The BGES Group is here to offer a lifeline to New York and New Jersey contractors who may have lost significant funds through workers’ compensation premiums. With the specialized service of Workers Compensation Premium Recovery, contractors can reclaim up to $500,000 from past workers compensation companies. In this writing, we will explore five compelling reasons why contractors should consider letting BGES Group conduct a review on their behalf, along with emphasizing the no up-front fee policy and how the service can benefit contractors regardless of their policy carrier.

1. No Up-Front Fees – Performance-Based Payment

BGES Group stands apart from other recovery services by offering its Workers Compensation Premium Recovery with no up-front fees. Contractors can rest assured that they won’t be charged for the review process. The only time they need to pay is if BGES Group successfully recovers their overpaid premiums. This performance-based payment system ensures that the contractor’s best interests are aligned with the service provider, motivating BGES Group to work diligently on each case.

2. Comprehensive Coverage – State or Regular Carriers

One of the major advantages of BGES Group’s Workers Compensation Premium Recovery is that it covers both state and regular carriers. It doesn’t matter which insurance provider the contractor was associated with; BGES Group has the expertise to navigate through both policies. This comprehensive approach ensures that all contractors, regardless of their carrier, have the opportunity to reclaim any overpayments they might have made.

3. Mistakes Happen – No Fault of Anyone

Workers compensation policies can be complex and intricate, and mistakes can happen inadvertently. Often, these mistakes result in overpayments made by contractors. BGES Group understands that these errors may not be anyone’s fault specifically but can significantly impact the contractor’s financial stability. By offering their expertise and services, BGES Group takes on the responsibility of rectifying these mistakes, giving contractors a fair chance to recover their hard-earned money.

4. Efficient and Hassle-Free Process

BGES Group shoulders all the work involved in the Workers Compensation Premium Recovery process. From gathering the necessary documentation to navigating through the intricate legalities, contractors can rely on BGES Group’s expert team to handle everything with utmost efficiency. This hassle-free process allows contractors to focus on their core business while BGES Group works diligently to recover any overpaid premiums on their behalf.

5. High Likelihood of Overpayments

By going back up to 7 years in the review process, BGES Group significantly increases the likelihood of finding overpayments. With the ever-changing workers’ compensation regulations and policies, contractors may not be aware of the potential discrepancies in their premium payments. BGES Group’s in-depth review process can unearth these overpayments, providing contractors with a valuable opportunity to reclaim substantial amounts of money.

Conclusion

In conclusion, BGES Group’s Workers Compensation Premium Recovery service offers New York and New Jersey contractors an unparalleled opportunity to recover up to $500,000 from past workers compensation companies. The five compelling reasons mentioned in this article highlight the advantages of letting BGES Group conduct a review on the contractor’s behalf. The no up-front fees policy, coverage of both state and regular carriers, acknowledgment of inadvertent mistakes, efficient process, and the high likelihood of overpayments make this service an invaluable resource for contractors. With nothing to lose and the potential to gain significant financial benefits, contractors can trust BGES Group to help them navigate through the intricacies of workers’ compensation and reclaim what is rightfully theirs.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

Cranes on the construction site surrounded by new real estates. Scenic aerial photo of growing city districts

© – Copyright – 2023 – BGES Group

For New York contractors, navigating the complex landscape of business auto insurance coverage can be overwhelming. The risks associated with running a construction business demand a robust insurance policy that safeguards not only the contractor’s vehicles but also their employees, assets, and financial interests. This is where BGES Group comes to the rescue. As New York construction experts, BGES Group represents a multitude of reputable insurance companies, offering tailor-made solutions for contractor auto insurance needs. In this writing, we will delve into the various coverages that BGES Group provides to protect contractors and their businesses effectively.

1. Liability Coverage

Liability coverage is the foundation of any business auto insurance policy. It protects contractors from financial losses resulting from bodily injury or property damage caused by their company vehicles. When accidents happen, the cost of medical expenses and property repairs can escalate quickly. With BGES Group’s liability coverage, New York contractors can rest assured that they have a strong financial safety net.

2. Employers Auto Non-Owned and Hired Car Coverage

In the construction industry, contractors often rely on employees using their personal vehicles for work-related tasks or rent vehicles for specific projects. Employers Auto Non-Owned and Hired Car Coverage from BGES Group provides protection when these non-owned or rented vehicles are involved in accidents during business operations.

3. Medical Payments Coverage

Accidents can result in injuries to drivers and passengers alike. Medical Payments Coverage from BGES Group covers the necessary medical expenses for injuries sustained by those inside the contractor’s company vehicles, regardless of fault. This essential coverage ensures that everyone involved receives timely medical attention without causing a financial burden to the business.

4. No-Fault Coverage

New York is a no-fault insurance state, which means that personal injury protection is required for all vehicles. BGES Group offers No-Fault Coverage that pays for medical expenses, lost wages, and other necessary services, regardless of fault, in the event of an accident involving a company vehicle. This coverage minimizes the potential for lengthy and costly legal battles.

5. Uninsured and Underinsured Motorist Coverage

Despite the legal requirement for auto insurance, there are still uninsured and underinsured drivers on the roads. BGES Group’s Uninsured and Underinsured Motorist Coverage protects contractors if they are involved in an accident with a driver who lacks sufficient insurance coverage or has none at all. This coverage ensures that contractors are not left to bear the financial burden in such unfortunate circumstances.

6. Comprehensive Fire and Theft Coverage

In the event of vehicle damage or loss due to fire or theft, Comprehensive Fire and Theft Coverage from BGES Group offers much-needed financial support. This coverage extends beyond accidents and safeguards contractors’ vehicles from various unforeseen perils.

7. Collision Coverage

Collisions are a common risk faced by contractors on the road. BGES Group’s Collision Coverage pays for repairs or replacement of company vehicles involved in accidents with other vehicles or objects. With this coverage in place, contractors can focus on their work without worrying about expensive repair bills.

8. Rental Reimbursement Coverage

When a contractor’s vehicle is being repaired due to an accident, Rental Reimbursement Coverage from BGES Group provides the necessary funds to rent a temporary replacement vehicle. This ensures that contractors can continue their operations without any major disruptions, minimizing downtime and potential loss of income.

9. Towing Coverage

Breakdowns and accidents can happen unexpectedly, leaving contractors stranded on the road. BGES Group’s Towing Coverage ensures that assistance is just a phone call away, covering the costs of towing and related services to get vehicles back on track swiftly.

Conclusion

For New York contractors, securing comprehensive business auto insurance coverage is vital to protect their assets, employees, and financial stability. BGES Group’s expertise in the construction industry, coupled with its representation of numerous reputable insurance companies, makes them the ideal partner to address contractor auto insurance needs. From liability and medical payments to collision and towing coverage, BGES Group offers a wide array of solutions to suit every contractor’s requirements. With BGES Group by their side, New York contractors can confidently focus on their core business, knowing they have a reliable and robust insurance policy to back them up in times of need.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Auto Insurance for contractors

Auto Insurance for New York Contractors

Smiling Caucasian Contractor Worker in his 40s Loading His Tool Boxes To His Commercial Van. Business Vehicles Theme.

In the bustling world of construction in New York, contractors face numerous risks and liabilities. Protecting their businesses and employees with comprehensive insurance coverage is crucial. However, acquiring contractor insurance can often be a daunting and costly task. That’s where BGES Group comes to the rescue! As New York construction insurance experts, BGES Group is dedicated to helping contractors secure better contractor insurance for less money. In this article, we will explore the array of coverage options BGES Group offers, ensuring contractors can confidently build their projects without unnecessary financial burdens.

Builders Risk Insurance:

Builders Risk Insurance is a vital coverage for contractors, safeguarding their ongoing construction projects from potential damages. BGES Group provides tailored policies that protect contractors against property damage, theft, and vandalism during construction. By collaborating with top insurance companies, BGES Group ensures contractors get the best possible coverage at competitive rates, tailored to their specific project requirements.

Contractor Liability Insurance:

Operating in a highly litigious environment, contractors need protection against third-party claims for bodily injury and property damage. BGES Group’s Commercial General Liability Insurance safeguards contractors against potential lawsuits, covering legal expenses and settlement costs. With the guidance of BGES Group, contractors can rest assured knowing their businesses are shielded from unpredictable liabilities.

Contractor Umbrella Liability Insurance:

While Commercial General Liability Insurance provides primary coverage, it might not be sufficient in certain circumstances. BGES Group offers Umbrella Liability Insurance, extending coverage limits and providing an additional layer of protection. This excess liability coverage proves invaluable in safeguarding contractors’ assets when faced with substantial claims that surpass their primary coverage limits.

Business Auto Insurance:

Contractors rely heavily on vehicles for transporting equipment and materials to job sites. BGES Group offers comprehensive Business Auto Insurance, protecting contractors against potential accidents, property damage, or bodily injury. With customized policies, contractors can have peace of mind while their fleet is on the move.

Workers’ Compensation Insurance:

The construction industry carries inherent risks for workers, making Workers’ Compensation Insurance mandatory in New York. BGES Group works with contractors to find suitable policies that cover medical expenses and lost wages in the event of work-related injuries or illnesses. By partnering with BGES Group, contractors can ensure compliance with state regulations while caring for their valuable workforce.

NYS Disability Insurance:

New York State Disability Insurance provides essential coverage for contractors and their employees during non-work-related accidents or illnesses. BGES Group assists contractors in navigating the complexities of this coverage, ensuring compliance and seamless claims processing.

Bid and Performance Bonds:

Contractors often require Bid and Performance Bonds to secure contracts and assure project owners that they can complete the work as agreed. BGES Group’s expertise in bonding enables contractors to access competitive rates and secure the necessary bonds promptly. This gives contractors a competitive edge in the industry, enhancing their reputation and business prospects.

Group Health Insurance:

In an industry where skilled labor is crucial, offering Group Health Insurance is a powerful tool to attract and retain top talent. BGES Group collaborates with contractors to design comprehensive Group Health Insurance plans that cater to their employees’ needs. By providing valuable benefits, contractors can create a more loyal and motivated workforce.

Market Access and Expertise:

One of BGES Group’s most significant advantages is its network of 50 insurance companies, including industry giants. With access to these leading insurers, BGES Group can efficiently market accounts, ensuring contractors receive competitive quotes and comprehensive coverage options. The deep knowledge and experience of BGES Group in the New York construction insurance market ensure contractors make informed decisions, maximizing their insurance investments.

Conclusion:

BGES Group stands as a beacon of support for New York contractors, providing them with better contractor insurance for less money. With a diverse range of coverage options, including Builders Risk, Commercial General Liability, Umbrella Liability, Business Auto, Workers’ Compensation, NYS Disability, Bid and Performance Bonds, and Group Health Insurance, BGES Group ensures contractors are fully protected against potential risks and liabilities.

By leveraging their expertise and vast network of insurance companies, BGES Group empowers contractors to navigate the complexities of the insurance landscape with ease. As New York construction insurance experts, BGES Group is committed to helping contractors thrive and grow their businesses while securing the comprehensive insurance coverage they deserve. With BGES Group by their side, New York contractors can confidently build a brighter and more secure future.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Architect inspects construction from the inside

In the bustling world of logistics, workers’ safety is paramount, and the possibility of workplace accidents cannot be ignored. Workers’ compensation insurance provides essential coverage for employees in the event of work-related injuries or illnesses. For businesses in the logistics industry, such as moving and storage agents and truckers, having a specialized workers’ compensation program is crucial to safeguard their workforce and operations. This writing explores the advantages of a tailored workers’ compensation insurance program for logistics professionals, highlighting its ability to cover businesses across multiple states, streamline audits, offer expert advice, and maintain financial stability.

I. Specialized Program for Moving and Storage Agents and Truckers

The logistics industry, comprising moving and storage agents and trucking companies, has unique requirements when it comes to workers’ compensation insurance. A specialized program caters to the specific risks faced by these businesses and ensures comprehensive coverage for their employees. Such a program takes into account the physically demanding nature of their work and the challenges associated with transporting goods over long distances.

II. Multi-State Coverage

In the logistics industry, businesses often operate across multiple states, making compliance with varying workers’ compensation laws a complex task. A specially designed workers’ compensation program for moving and storage agents and truckers offers the advantage of multi-state coverage. This streamlines the insurance process, ensuring that employees are protected regardless of where they are working, eliminating the need for separate policies in different states.

III. Streamlined Audits and Proper Payroll Classification

Conventional workers’ compensation policies can involve extensive audits to determine the proper premium based on payroll records. However, specialized programs for the logistics industry simplify this process. Audits become less time-consuming, allowing businesses to focus on their core operations. Moreover, such programs ensure that payrolls are properly classified, preventing potential discrepancies that could lead to increased insurance costs.

IV. Pay-as-You-Go System

A unique feature of workers’ compensation insurance for logistics professionals is the pay-as-you-go system. This flexible payment method allows businesses to pay insurance premiums in tandem with their payroll cycles. It eliminates the burden of upfront premium payments, making cash flow management smoother and more predictable.

V. Inclusive Payroll Services

Many specialized workers’ compensation programs for the logistics industry offer additional services, such as comprehensive payroll management. By integrating payroll services with insurance coverage, businesses can streamline their administrative processes, reduce paperwork, and ensure accurate records.

VI. No Renewal Deposits

Traditional workers’ compensation policies often require renewal deposits, causing financial strain on businesses during the renewal process. In contrast, specialized programs for logistics professionals typically waive renewal deposits, providing financial relief and enabling businesses to allocate resources more efficiently.

VII. Responsive Customer Support

Customer support is a critical factor in any insurance policy. Specialized workers’ compensation programs for the logistics industry prioritize excellent customer service, ensuring that businesses receive timely assistance whenever they have questions or need support.

VIII. Expert Advice and Claims Service

Navigating the intricacies of workers’ compensation can be challenging, but with specialized programs, businesses gain access to expert advice from insurance professionals who understand the unique risks associated with the logistics industry. Additionally, such programs often offer great claims services, streamlining the process of filing and managing claims, providing a sense of security to both employers and employees.

IX. Competitive Rates and Long-Term Coverage Stability

The logistics industry is competitive, and businesses are always looking for cost-effective solutions without compromising on coverage. Specialized workers’ compensation programs for moving and storage agents and truckers typically offer competitive rates, tailored to the specific needs of the industry. Furthermore, these programs prioritize long-term coverage stability, providing businesses with consistent protection against potential liabilities for years to come.

Conclusion

Workers’ compensation insurance is a critical aspect of the logistics industry, protecting both employers and employees from the unforeseen consequences of workplace accidents. For moving and storage agents and truckers, a specialized workers’ compensation program offers a host of benefits, including multi-state coverage, simplified audits, pay-as-you-go options, inclusive payroll services, expert advice, and exceptional customer support. By embracing a tailored insurance solution, logistics businesses can ensure the safety and well-being of their workforce, maintain financial stability, and focus on achieving long-term success in a highly competitive market.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors, Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help any tri-state employer.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, they offer long-term coverage stability and can cover multi-state operations.

We offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Workers Compensation insurance for truckers

workers comp for truckers

semi tractor trailer driving on the highway in the evening

As New York’s bustling business landscape continues to evolve, one critical aspect that demands attention is employee well-being. Business owners must navigate the complex world of group health insurance to provide comprehensive coverage for their employees. Amidst this challenge, BGES Group emerges as a beacon of expertise and reliability. With an unwavering commitment to serving New York’s business community, BGES Group offers a host of benefits and unparalleled assistance, ensuring business owners and their employees receive the best possible insurance coverage. In this article, we explore how BGES Group can aid New York business owners with their group health insurance needs.

Unraveling the Experience:

BGES Group prides itself on having one of the most experienced teams in the industry. Their professionals possess an extensive background in group health insurance, honing their expertise over the years to become leading authorities in the field. This wealth of experience translates into an unrivaled level of understanding and guidance for business owners seeking comprehensive insurance solutions.

Knowledgeable and Supportive Professionals:

One of BGES Group’s key strengths lies in its team of helpful and knowledgeable professionals. Their experts possess a profound understanding of the insurance landscape, enabling them to navigate complexities with ease. Not only are they well-versed in the intricacies of group health insurance, but they are also adept at communicating and connecting with people. This unique blend of expertise and interpersonal skills fosters a warm and approachable atmosphere, allowing business owners to feel comfortable discussing their insurance needs.

Diverse Insurance Offerings:

BGES Group offers a diverse range of insurance benefits, designed to cater to the specific needs of New York business owners and their employees. Apart from group health insurance, the company provides dental, disability, drug, vision, and group life benefits. This comprehensive suite of offerings ensures that all facets of employee well-being are adequately addressed, promoting a healthier and happier workforce.

Streamlined Communication:

Communication is at the heart of BGES Group’s commitment to exceptional service. When business owners reach out to BGES, they are connected with a single point of contact, a knowledgeable professional who serves as their dedicated guide throughout the process. This streamlined communication approach enhances efficiency and eliminates confusion, providing business owners with clarity and confidence in their insurance decisions.

Reimagining Your Insurance Situation:

For business owners unsatisfied with their current insurance setup, BGES Group offers a unique opportunity to improve their situation. By conducting a thorough review of their existing coverage, the experienced professionals at BGES Group identify potential gaps or inefficiencies. Armed with this insight, they work diligently to propose customized solutions that better suit the needs of each business and its employees.

Putting Business Owners First:

BGES Group’s dedication to serving New York business owners goes beyond simple assistance; it embodies a commitment to helping them thrive. Through their vast experience, the team understands the challenges business owners face when navigating the complexities of group health insurance. As a result, BGES Group crafts personalized insurance plans that align with each company’s unique goals and values, ensuring optimal coverage and maximum peace of mind.

As New York business owners endeavor to provide the best possible group health insurance for their employees, they need a partner they can trust. BGES Group, with its seasoned professionals and diverse insurance offerings, stands ready to elevate the insurance experience for businesses of all sizes. By nurturing a culture of knowledge, support, and understanding, BGES Group delivers on its promise to assist business owners and their employees, securing their well-being and fostering a brighter future for the entire New York business community.

As New York contractors navigate the challenging landscape of business operations, managing insurance costs while maintaining comprehensive coverage becomes a priority. In this regard, the BGES Group emerges as a reliable partner, offering innovative solutions tailored to the specific needs of contractors in the tri-state area, encompassing New York, New Jersey, and Connecticut. With a diverse portfolio of specialized programs and partnerships with over 50 insurance companies, BGES Group empowers contractors to lower insurance premiums while ensuring top-tier protection across various aspects of their business.

1. Specialized Programs and Extensive Market Access

BGES Group’s distinction lies in its up to 10 specialized programs that cater to various contractor segments, making their insurance offerings highly customizable. This ensures that contractors receive coverage precisely tailored to their industry’s unique risks and requirements. Moreover, BGES Group’s extensive network of over 50 insurance companies allows them to market each contractor’s account to multiple providers, fostering competition and providing the best possible rates.

2. Comprehensive Coverage Options

BGES Group offers a comprehensive suite of insurance coverage options, guaranteeing New York contractors have the protection they need to operate confidently. Some of the key insurance lines offered by BGES Group include:

a. General Liability Insurance: Protecting contractors from third-party claims of bodily injury, property damage, or advertising injury arising during the course of their business operations.

b. Umbrella Liability Insurance: An additional layer of coverage that extends beyond the limits of primary liability policies, safeguarding contractors against catastrophic claims.

c. Business Auto Insurance: Tailored to meet the specific needs of contractor fleets, this insurance covers vehicles used for business purposes, shielding contractors from potential financial burdens resulting from accidents or damages.

d. Workers’ Compensation Insurance: Mandatory in New York, this insurance covers medical expenses and lost wages for employees injured on the job, mitigating legal risks for contractors.

e. NYS Disability Insurance: Protecting contractors and their employees from the financial impact of temporary disability, ensuring continued income during recovery periods.

f. Group Health Insurance: Attracting and retaining skilled employees is vital for any contractor, and BGES Group’s group health insurance options provide competitive benefits packages.

3. Workers’ Comp Premium Recovery

One of the unique offerings from BGES Group is their Workers’ Comp Premium Recovery program. This initiative helps contractors identify overpayments in workers’ compensation premiums for up to seven years. By conducting thorough audits and working with relevant authorities, BGES Group ensures that contractors receive the money they are owed, providing a significant financial boost to their businesses.  Amounts obtained on behalf of contractors have ranged from $20,000 to over $300,000.  This is a win win situation for a contractor and everyone should let us do this review for them.

4. Tri-State Coverage Expertise

With an intimate understanding of the tri-state area’s regulations and business environment, BGES Group is well-equipped to handle the insurance needs of contractors across New York, New Jersey, and Connecticut. This localized knowledge allows them to identify the most suitable coverage options and negotiate competitive premiums on behalf of their clients.

Conclusion

Navigating the complex insurance landscape is a challenging task for New York contractors, especially when striving to strike a balance between coverage adequacy and cost-effectiveness. The BGES Group, with its extensive market access, specialized programs, and deep understanding of the tri-state area, emerges as a prominent ally in this pursuit. By offering a wide array of insurance lines, including General Liability, Umbrella Liability, Business Auto, Workers’ Compensation, NYS Disability, Group Health, and Workers’ Comp Premium Recovery, BGES Group empowers contractors to secure robust protection while potentially lowering insurance premiums. As a dependable partner, BGES Group continues to support New York contractors in their growth and success within the tri-state area.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Tradesmen carrying lumber at construction site

Roofing can be a hazardous profession, with workers exposed to various risks on a daily basis. As such, having a comprehensive workers’ compensation program is essential for both employers and employees. The BGES Group, renowned for its commitment to providing tailored insurance solutions, has emerged as a trusted partner in offering an outstanding workers’ compensation program specifically designed to meet the needs of roofers. This article explores the key features that make the BGES Group’s workers’ compensation program stand out, including competitive pricing, coverage stability, payroll-based premium adjustments, easy audits, proper payroll classifications, multi-state coverage, immediate certificate issuance, and the convenience of a single point of contact.

1. Competitive Pricing:

One of the primary advantages of the BGES Group’s workers’ compensation program is its competitive pricing. Roofing businesses often face budgetary constraints, and the BGES Group understands the importance of affordability without compromising on coverage. By providing cost-effective solutions, the BGES Group empowers roofers to focus on their core operations with peace of mind.

2. Coverage Stability:

The stability of insurance coverage is crucial for roofing companies, as it ensures uninterrupted protection for employees in the event of accidents or injuries. The BGES Group’s workers’ compensation program offers robust and dependable coverage, safeguarding both employers and workers from unforeseen circumstances.

3. Premium Increases and Decreases Based on Monthly Payrolls:

BGES Group’s workers’ compensation program features a unique premium adjustment system, which fluctuates based on monthly payrolls. This flexible approach allows roofing businesses to adjust their premiums as per their financial situation, preventing overpaying during lean months and ensuring adequate coverage during peak seasons.

4. Easy Audits:

Keeping track of payroll records and undergoing audits can be time-consuming for roofers. However, the BGES Group streamlines this process with its easy-to-manage audits, reducing paperwork and administrative burden for roofing businesses.

5. Proper Payroll Classifications:

Accurate payroll classifications are essential for determining the appropriate workers’ compensation rates. The BGES Group’s program ensures that roofers’ payrolls are classified correctly, preventing potential errors that could lead to under- or over-payment of premiums.

6. No Renewal Deposits:

In traditional insurance programs, renewal deposits can be an added financial burden for roofing companies. With the BGES Group’s workers’ compensation program, roofers can benefit from the absence of renewal deposits, further enhancing affordability and easing cash flow management.

7. Coverage Across Multiple States:

For roofing businesses operating across state lines, navigating varying workers’ compensation regulations can be challenging. The BGES Group’s program offers coverage that extends to multiple states, simplifying compliance and ensuring seamless protection, regardless of geographical boundaries.

8. Immediate Issuance of Certificates:

BGES Group prioritizes efficiency and customer service, and this is evident in its immediate issuance of certificates. This quick turnaround time allows roofers to start their projects promptly, eliminating delays caused by insurance paperwork.

9. Single Point of Contact:

Dealing with a single point of contact is a significant convenience offered by the BGES Group. Roofing companies can rely on a dedicated representative who understands their unique needs and can provide personalized assistance throughout the policy term.

Roofing businesses face inherent risks that require comprehensive workers’ compensation coverage. The BGES Group stands out as an industry leader in offering roofers a top-tier program that boasts competitive pricing, coverage stability, flexible premium adjustments, easy audits, accurate payroll classifications, and multi-state coverage. Furthermore, the BGES Group’s commitment to efficiency and customer service, such as immediate certificate issuance and a single point of contact, ensures a seamless experience for roofing companies seeking the best protection for their workforce. With the BGES Group by their side, roofers can focus on their projects with the confidence that they are backed by a reliable and dedicated insurance partner.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Roofer builder worker dismantling roof shingles

Large construction projects involving multiple contractors are ripe for claims and if your company is involved in such an enterprise, one of your top priorities needs to be risk mitigation.

With the specter of property damage, material losses and workplace injuries looming large, especially when there is more than one employer on a site, it is imperative that all parties hash out responsibilities and insurance issues prior to the project starting

All the parties need to discuss openly risk-transfer strategies in their contracts to limit their liability for claims and adopt procedures for handling the anticipated risks. You should cover contractor waivers of subrogation and reciprocal insurance requirements.

Insurance requirements

If you’re concerned about the insurance implications, discuss the matter with us or your broker.

Start by brainstorming about possible claims that may arise during the project. After you’ve come up with that list, it will be easy to identify the types of insurance you’ll need.

A short list would likely include:

• Builder’s risk insurance
• Commercial general liability insurance
• Workers’ compensation coverage
• Professional liability insurance
• Property insurance.

Depending on the project, though, specialized types of insurance may also be required.

Once you’ve finalized the list, the parties can negotiate who can get the best rate for coverage that is available to more than one party.

In the event of catastrophic liability claims, commercial umbrella insurance provides a broader level of coverage beyond the scope of the coverage provided by underlying commercial property and liability insurance policies.

When losses exceed the coverage limits of standard business auto, business property or commercial general liability (CGL) policies, commercial umbrella policies take effect to cover the balance (subject to policy limits and other conditions).

Property owners have filed countless lawsuits against contractors, subcontractors and suppliers, alleging damages arising out of construction defects. These contractors have often tendered claims under their CGL policies.

These insurance claims have been litigated ad nauseum and the emerging consensus appears to be that construction-defect claims are generally not covered under CGL policies.

Waivers of subrogation

A waiver of subrogation provision transfers liability for a claim to another party’s insurance.

These waivers are intended to reduce litigation that might otherwise arise when an insurer feels another party was fully or partially responsible for the claim.

With a waiver, an insurer only has rights against its policyholder. If the policyholder has contractually waived subrogation to a subcontractor, the insurer generally cannot use subrogation to recover its payment for a loss from the contractor.

Waivers of subrogation promote economic efficiency because only one party needs to insure a particular risk. Addressing these issues upfront in your contract is the first step to controlling the financial impact to all parties involved.

Wrap-ups

Large construction projects are becoming more difficult to finance because of increasing costs, lack of control and rising litigation. In recent years, wrap-up insurance programs have been used to help decrease the cost of construction while making the project economically safer.

In a wrap-up, the project owner furnishes a single insurance program for all parties involved in the project for the duration of the project. This insurance relates to the exposures of the project and protects the project owner, contractor and all tiers of subcontractors.

Most wrap-ups include workers’ comp, general and excess liability, and builder’s risk coverages (auto liability and contractors equipment are not included). Wrap-ups can include project architects/engineers errors and omissions coverage and other optional coverages.

Wrap-ups on large construction projects can be either owner-controlled or contractor-controlled. Owner-controlled wrap-ups account for about 90% of the wrap-up programs currently being performed in the U.S.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Architect inspects construction from the inside

New York State disability insurance provides essential financial protection for employees who become disabled off the job. However, the statutory limit of $170 a week might not be sufficient for many individuals to meet their financial obligations during periods of disability. Fortunately, some companies offer higher limits to their employees, ensuring better coverage. In this article, we will explore the current landscape of New York State disability, the challenges posed by the statutory limit, and how the Paid Family Leave Act works. Additionally, we will delve into the ways in which BGES Group can help New York business owners improve their NYS disability coverage.

New York State Disability: An Overview

New York State disability insurance is designed to provide financial assistance to employees who suffer non-work-related injuries or illnesses that prevent them from working. As per the statutory limit, eligible individuals can receive up to $170 a week, which might not be enough to cover their living expenses, especially in a city as expensive as New York.

The Struggle with Statutory Limit

Living in New York comes with a high cost of living, and the $170 weekly cap on NYS disability benefits can be a significant challenge for employees facing disabilities. For many, this amount may not be enough to cover essential expenses like rent, utilities, groceries, and medical bills. Consequently, some individuals may face financial hardships during their recovery period.

Paid Family Leave Act: A Step in the Right Direction

Recognizing the limitations of NYS disability coverage, New York State introduced the Paid Family Leave Act (PFLA) in 2018. The PFLA provides eligible employees with up to 12 weeks of job-protected, paid leave to care for a new child, address a family member’s serious health condition, or assist with family matters arising from a family member’s military service.

PFLA offers a progressive approach to supporting employees during significant life events, but it may not address all the needs of disabled workers who are not taking care of a family member. Thus, there remains a gap in comprehensive disability coverage for such individuals.

BGES Group: Bridging the Gap for New York Business Owners

BGES Group recognizes the importance of providing adequate disability coverage for employees. They specialize in assisting New York business owners in obtaining better NYS disability coverage beyond the statutory limit. Here’s how BGES Group can help:

1. Tailored Disability Insurance Plans: BGES Group works closely with businesses to develop customized disability insurance plans that suit their unique requirements and budget. This ensures that employees receive more comprehensive coverage during disability periods.

2. Enhanced Employee Benefits: Offering better disability coverage can improve employee satisfaction, retention, and overall company morale. BGES Group can help businesses enhance their employee benefits package, which includes disability insurance, attracting and retaining top talent.

3. Expert Guidance and Support: Navigating the complex world of insurance can be daunting. BGES Group’s experienced professionals can provide expert guidance, answering any questions business owners may have regarding disability insurance and related matters.

4. Compliance and Cost-Effectiveness: BGES Group ensures that businesses remain compliant with all relevant laws and regulations while providing cost-effective disability coverage solutions. They strive to strike a balance between comprehensive coverage and affordability.

Conclusion

New York State disability insurance is a vital safety net for employees facing disabilities outside of work. However, the current statutory limit of $170 a week might not be sufficient for many individuals to sustain their living expenses in the high-cost state. The Paid Family Leave Act is a step in the right direction but doesn’t entirely address the needs of non-family caregiver employees.

To bridge this gap, businesses can partner with BGES Group, benefiting from their expertise in crafting tailored disability insurance plans, enhancing employee benefits packages, and ensuring compliance and cost-effectiveness. By taking proactive steps to improve NYS disability coverage, businesses can support their employees during challenging times and foster a positive work environment.

In conclusion, it is essential for New York businesses to consider the importance of better disability coverage, both for the welfare of their employees and the success of their organizations. By working with BGES Group, they can navigate the intricacies of NYS disability insurance and provide the support their workforce needs when facing unexpected challenges.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Young Asian man with a broken leg sitting on the sofa. Close up of the crutch.

For New York contractors, securing group health insurance can be a complex and challenging task. With the ever-increasing costs of healthcare, finding comprehensive coverage at affordable rates has become crucial. Fortunately, joining a buying group can offer numerous benefits, and one of the leading options in the market is the BGES group. In this article, we will explore what New York contractors should look for in group health insurance, examine various cost-reducing options available, and highlight how BGES group provides expert advice to help contractors secure the best plans for their needs.

1. Understanding Group Health Insurance for Contractors:

Group health insurance provides coverage to a group of individuals, such as employees of a company or members of an association. For New York contractors, opting for group insurance can offer significant advantages, including lower premiums, comprehensive coverage, and potential tax benefits.

When considering group health insurance, contractors should evaluate the size of their workforce, the budget they can allocate for insurance, and the specific needs of their employees. It is essential to consider factors such as age demographics, medical history, and the types of coverage required, such as preventive care, prescription drugs, and mental health services.

2. What to Look for in Group Health Insurance:

a. Comprehensive Coverage: Contractors should seek plans that offer a wide range of medical services, including hospitalization, outpatient care, emergency services, and specialist consultations. Comprehensive coverage ensures that employees receive the medical attention they need without incurring excessive out-of-pocket expenses.

b. Network of Providers: Access to a broad network of healthcare providers, hospitals, and specialists is crucial. Contractors should choose plans that include preferred providers in their area to ensure convenient and high-quality care for their employees.

c. Cost-Effective Premiums: Premiums vary across different plans, so contractors should explore multiple options to find the most cost-effective solution that meets their coverage requirements.

d. Deductibles and Co-pays: Balancing premiums with deductibles and co-pays is essential. Lower premiums may come with higher out-of-pocket expenses, so contractors should weigh these factors when selecting a plan.

e. Prescription Drug Coverage: Adequate coverage for prescription drugs is vital to help employees manage their healthcare costs effectively.

3. Options for Reducing Health Insurance Costs:

a. Health Savings Accounts (HSAs): HSAs allow employees to set aside pre-tax funds to cover qualified medical expenses. This reduces taxable income and can provide significant savings for both contractors and employees.

b. Flexible Spending Accounts (FSAs): FSAs are similar to HSAs but are funded with pre-tax dollars deducted from employees’ paychecks. Contractors can offer FSAs to help employees cover medical expenses not covered by insurance.

c. Wellness Programs: Implementing wellness programs can promote healthier lifestyles among employees, leading to potential cost savings through reduced medical claims and increased productivity.

d. Cost-Sharing Plans: Contractors can explore options like High Deductible Health Plans (HDHPs) with Health Reimbursement Arrangements (HRAs) or Health Savings Accounts (HSAs) to lower premiums while still providing comprehensive coverage.

4. BGES Group: A Trusted Choice for New York Contractors:

BGES group stands out as a prominent option for New York contractors seeking group health insurance. With a wealth of experience in the industry, BGES offers expert advice to guide contractors through the complex world of insurance options.

BGES collaborates with one of the best group health experts in the industry, providing contractors with personalized guidance to select the most suitable plans for their specific needs. Moreover, their expert team is available to assist with day-to-day questions and concerns, ensuring that contractors and their employees receive ongoing support for their health insurance needs.

5. The Best Approach for Purchasing Coverage:

The following steps outline the contractors’ best approach for purchasing group health insurance coverage:

a. Research and Compare: Conduct thorough research to understand the available group health insurance options in the market, considering coverage, network of providers, and pricing.

b. Engage with an Expert: Seek guidance from experts like those at BGES group to receive personalized advice and gain insights into the intricacies of group health insurance.

c. Assess Employee Needs: Analyze the healthcare needs of employees and select a plan that aligns with their requirements while staying within the budget.

d. Negotiate and Customize: Negotiate with insurers and explore customization options to tailor the plan to the contractors’ unique needs.

e. Monitor and Review: Continuously monitor the plan’s performance and make adjustments as needed to ensure it continues to meet the evolving needs of the workforce.

Conclusion:

Group health insurance is a valuable asset for New York contractors, providing comprehensive coverage and cost savings for both the company and its employees. By choosing the right plan with essential features, evaluating cost-reducing options, and seeking expert advice from BGES group, contractors can secure optimal coverage that meets their budget and provides peace of mind for their employees’ health and well-being.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

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