In a world where the construction industry faces ever-increasing challenges and uncertainties, New York Contractors need more than just the right tools and skills to thrive. They need a partner who understands their unique insurance needs, one who can navigate the complex landscape of policies and regulations to ensure their business stays protected. That partner is BGES Group, and here’s why you should consider working with them on your next renewal policies.

**One-Stop Shopping for All Your Business Insurance Needs**

BGES Group offers New York Contractors something invaluable: one-stop shopping for all their business insurance needs. In an industry where time is money, the convenience of having all your insurance policies in one place can’t be overstated. Whether it’s general liability, umbrella liability, or workers’ compensation, BGES Group has you covered.

**Access to the Best Contractor Insurance Programs**

BGES Group represents all the best contractor insurance programs available for New York contractors. With a vast network of 50 insurance companies to market contractor accounts to, they can offer a range of options tailored to your specific needs. This extensive network ensures that you have access to the most competitive rates and policies in the market.

**Savings on Policy and Service Fees**

One of the most significant advantages of working with BGES Group is their ability to cut out unnecessary premium costs, policy and service fees. In an industry rife with hidden costs, this can save contractors thousands of dollars that they should never have to pay in the first place. It’s all about ensuring that every dollar spent on insurance goes towards actual coverage and protection.  BGES Group, because construction insurance is their specialty, knows the in and outs of getting you great coverage and competitive rates!

**22 Years of Specializing in Insuring Contractors**

When it comes to insuring contractors, experience matters. BGES Group has been the go-to choice for contractors for the past 22 years. The owner, Gary Wallach, has been servicing contractor’s insurance needs since 1981. This deep well of knowledge and expertise is what sets BGES Group apart in understanding the unique challenges and risks contractors face in their line of work.

**Tailored Insurance Programs Designed for Contractors**

As construction insurance specialists, BGES Group knows precisely what to look for when designing a contractor’s business insurance program. The three largest cost components for contractors – general liability, umbrella liability, and workers’ compensation – are areas where BGES Group excels. Their specialization allows them to secure excellent coverage at highly competitive prices, ensuring that contractors get the protection they need without breaking the bank.

**Personalized, Prompt, and Reliable Customer Service**

In an era where insurance agencies have grown too large to provide personalized service, BGES Group stands out. When you call BGES Group, you get the same person on the phone every time. Emails and texts are responded to immediately, and there’s no turnover in customer service personnel. You work with a dedicated expert who knows your account inside and out, ensuring a seamless and efficient experience. Plus, BGES Group’s commitment to efficiency means that certificates are typically issued in minutes, not days.

**Innovative Workers’ Comp Solutions for Tri-State Contractors**

If you’re a tri-state contractor unhappy with your workers’ comp company, rates, or audits, BGES Group has solutions. They can offer several new options, from policies that start at as little as $200 to comprehensive programs that provide payroll services, workers’ compensation, and group health coverages. BGES Group partners with 10 health insurance companies to give you access to options you wouldn’t typically have, ensuring that your workforce stays healthy and protected.

**Don’t Wait – Get a Backup Quote Today**

The future is uncertain, and the last thing New York Contractors need is uncertainty about their insurance coverage. Protect yourself against another round of general liability, umbrella liability, and workers’ comp rate increases for the 2023/2024 policy years. Contact BGES Group and Gary Wallach today by calling 914-806-5853 or emailing bgesgroup@gmail.com to get a backup quote for your upcoming renewals. Don’t leave your business’s future to chance – trust the experts at BGES Group to keep you covered.

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.

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

In the bustling world of New York construction, contractors face a myriad of challenges daily. One challenge that looms large is the need for comprehensive general and umbrella liability insurance. As these policies come up for renewal, contractors are often left wondering how they can secure better coverage and rates. That’s where BGES Group steps in. With a rich history of serving New York contractors, BGES Group offers a range of specialized contractor insurance programs and personalized service that sets them apart from the competition.

### Specialized Programs Tailored for You

One of the standout features of BGES Group offers several specialized construction insurance programs for contractor liability insurance quotes that most other agencies do not have access to. What sets these programs apart is that many of them their pricing and coverage are better than what most other insurance companies are offering. While other insurance agencies may provide general liability coverage, BGES Group goes the extra mile by offering tailored programs that cater specifically to the unique needs of New York contractors.

These specialized programs cover various aspects of contractor liability, ensuring that contractors have access to the most relevant and effective coverage options. Whether you specialize in construction, asbestos, restoration, roofing, plumbing, or any other trade, BGES Group’s specialized programs can provide you with the coverage you need to protect your business and assets.

### A Network of the Best Insurance Companies

BGES Group prides itself on its extensive network of insurance companies. With a network of over 50 insurance providers, they can tap into a wide range of options to find the best coverage and rates for New York contractors. This vast network ensures that contractors have access to the most competitive policies available in the market.

### A Boutique Agency That Puts You First

In a world where many insurance agencies have grown too large to provide personalized service, BGES Group operates as a boutique agency that prioritizes the needs of its clients. Unlike larger agencies that struggle with employee turnover and poorly trained staff, BGES Group offers a level of customer service that’s second to none.

When you reach out to BGES Group, you won’t encounter the frustration of automated phone systems or unresponsive emails. They answer your calls promptly, respond to your emails and texts without delay, and issue certificates of insurance within minutes. Whether it’s day or evening, BGES Group is there to provide the support and assistance that contractors need.

### Transparent Pricing with No Excessive Fees

One common complaint among contractors is the excessive policy and service fees charged by some insurance agencies. BGES Group stands apart by offering transparent pricing without crazy fees. While some agencies add on fees to each policy ranging from $1,000 to $5,000, BGES Group believes that such practices are driven by greed and do not serve the best interests of their clients. With BGES Group, you can trust that your insurance costs will be fair and reasonable.

### Comprehensive Services Beyond Insurance

BGES Group doesn’t stop at providing insurance coverage. They offer a range of additional services to support New York contractors in various aspects of their business:

– **Contract Review:** BGES Group can help you navigate complex insurance provisions in contracts, ensuring that you understand your liabilities and obligations. This can prevent costly legal disputes down the road.

– **Subcontractor Screening:** Managing subcontractors can be challenging, but BGES Group can assist you in verifying the insurance coverage of your subcontractors, reducing your exposure to risk.

– **Workers Compensation Assistance:** If you’re dissatisfied with your workers’ compensation insurance rates, company, or audit process, BGES Group can help you secure a better workers comp plans that meets your needs.

### A Reputation Backed by Rave Reviews

Like a trusted friend referring someone for business, BGES Group’s reputation speaks for itself. With an impressive 93 5-star Google Reviews, they are one of the most highly regarded insurance agencies in New York. These reviews attest to the exceptional service and value they provide to their clients.

### Contact BGES Group Today

When it comes to securing better coverage and rates for your general and umbrella liability insurance, BGES Group is the name to trust. Reach out to Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to discuss your insurance needs and experience the personalized service and expertise that sets BGES Group apart. Don’t settle for less when you can have the best in the business on your side.

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.

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

In the bustling world of New York’s construction industry, contractors face a multitude of challenges. From project deadlines to safety concerns, the last thing they need is the added complexity of navigating insurance. That’s where BGES Group comes in – a trusted partner dedicated to helping New York contractors secure the right coverage for their unique needs.

### Simplifying Insurance with BGES Group

At BGES Group, we understand the intricacies of the construction business, and our mission is to make insurance straightforward for contractors. Here’s how we can assist you with your business insurance needs:

### Builders Risk Insurance

Builders Risk Insurance is essential for protecting construction projects during their development. BGES Group has connections with 10 reputable insurance companies, allowing us to shop the market on your behalf. We’ll help you find the best coverage to safeguard your projects against unexpected events, ensuring your peace of mind.

### General Liability Insurance

General Liability Insurance is crucial to protect contractors from third-party claims of property damage or bodily injury. Our extensive network of 50 insurance companies gives us the advantage to find the most suitable coverage options for your business. As specialists in the construction field, we’re experts at securing better coverage than traditional agents because it’s our focus.

### Umbrella Liability Insurance

For an extra layer of protection, Umbrella Liability Insurance is a wise choice. BGES Group has access to 10 insurance companies, including unique markets not readily available elsewhere. If you’re unhappy with your current pricing or coverage, let us gather competitive quotes to improve your situation.

### Workers Compensation Insurance

Workers Compensation Insurance is essential for taking care of your employees and complying with New York regulations. BGES Group works with 15 insurance companies, enabling us to find better rates, address audit issues, and enhance your overall insurance experience.

### Business Auto Insurance

Don’t overlook the importance of insuring your company vehicles. BGES Group collaborates with 10 insurance companies to find the ideal business auto insurance for your needs, ensuring that your fleet stays protected.

### Beyond Insurance: BGES Group’s Additional Services

BGES Group offers more than just insurance solutions. We’re here to support your business in various ways:

1. **Contract Reviews**: Ensure that your contracts align with your insurance needs and protect your interests.

2. **Screening Subcontractors Insurance**: We’ll help you assess the insurance coverage of subcontractors to mitigate potential risks.

3. **Creating Formal Safety Manuals**: Safety is paramount in construction. We can assist in developing comprehensive safety manuals for your projects.

4. **Creating Insurance and Hold Harmless Agreements**: Drafting agreements that protect your business and partners.

### Personalized Service

We pride ourselves on providing a personal touch that’s often missing in the insurance industry. At BGES Group, we operate like a small, family-owned business. When you call, your phone call is answered, and we know you by your first name. Your account is important to us, and you won’t experience office turnover that leaves you dealing with different representatives every few months.

We respond to emails promptly, and certificate processing is immediate. Our commitment is to assist you whenever you contact us, and we adapt to your schedule, not the other way around. Whether you need help after 7 pm or during regular business hours, BGES Group is here for you.

### Contact BGES Group Today

When it comes to your business insurance needs as a New York contractor, BGES Group is your dedicated partner. Let us simplify the insurance process, find cost-effective solutions, and provide the personal service you deserve.

Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to get the assistance you need. We’re here to make your insurance experience hassle-free and effective, so you can focus on what you do best – building New York’s future.

While cyber threats grow and the cyber insurance market evolves, insurers are regularly adjusting their policy terms and conditions in response to new threats and exposure.

Carriers have amassed nearly a decade’s worth of data and are getting more stringent about underwriting and demanding that policyholders do their share by implementing best practices aimed at preventing cyber attacks and reducing their impacts.

They have also been adding more exclusions to policies, according to a new report by Delinea. The report is a sobering reminder that business owners need to carefully read their policies. The access-management software firm notes that:

• All respondents to its survey had at least one exclusion in their policy that would void coverage.
• All respondents had at least one attack-related expense that wouldn’t be paid for by cyber insurance.
• Businesses should create a “rainy day” fund to pay for situations that won’t be covered by their cyber insurance. The report notes that the average cost of a data breach in 2023 exceeds $4 million.

Exclusions to watch out for

Obviously, the crucial question is: What are the most common exclusions in cyber insurance policies?

Missing security protocols — Insurers require businesses to have certain security protocols in place, such as keeping software and systems updated with the latest versions and security patches, regularly training staff on cyber security and using certain security controls.

Internal threats — Acts by employees, like hacking, cyber extortion, data theft and other illegal or unauthorized activities, are typically excluded.

Human error — If an incident is caused or worsened by a mistake, like misconfiguring or failing to address known vulnerabilities, a cyber claim may be denied as the insurer could argue that the event could have been prevented or mitigated.

Act of war or terrorism — While many cyber insurance policies have these exclusions, courts have increasingly pushed back on them as a pretext for denying a claim after a cyber attack. Often it’s difficult for the carrier to prove it was an act of terrorism or war.

Out of compliance — Misrepresentations or nondisclosure of material information on a cyber insurance application may cause the insurer to deny coverage.

Failure to report an event in a timely fashion — If you fail to inform your cyber insurer of an event within the timeframe specified in the policy, or if you provide incomplete information, the company may deny the claim.

The takeaway

If your firm is hit by a cyber attack, you’ll be doing most of the heavy lifting and you’ll be dealt many expenses to get back to normal.

Respondents to the Delinea poll said that their cyber insurance policies were most likely to cover expenses related to data recovery, although insurers’ definition of that term vary depending on the circumstances.

“For example, say an attacker is holding your data for ransom. Some insurance companies may say they want to make the decision whether to pay the ransom to recover your data (regardless of your preference),” the report states.

The key is to understand your policy’s coverage and have protocols in place to reduce the chances of an excluded event taking place.

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.

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

We’ve often discussed the scourge of distracted driving in America, brought on in large part due to the use of smartphones and leading to a significant spike in vehicle accidents, injuries and deaths. That in turn has led to a jump in both commercial and personal auto insurance pricing.

The risk for businesses is even greater as a careless driving employee can result in a substantial liability claim, particularly if a third party is injured. If one of your drivers is found to have been engaged in distracted driving, any judgment or settlement for a personal injury could easily cost more than $1 million.

While you can hold meetings about the dangers of distracted driving and what your driving employees can do to reduce the chances of crashing, in the end it comes down to trusting that they will do the right thing.

So what can you do? We suggest a holistic approach to the issue.

1. Understand distracted driving

Just how bad is the distracted driving problem? In 2015 alone, 3,477 people were killed and 391,000 were injured in motor vehicle crashes involving distracted drivers. During daylight hours, an estimated 660,000 drivers are using cell phones while driving. That creates enormous potential for deaths and injuries on U.S. roads.

But smartphones are not the only source of distraction. Road safety experts say there are three types of distraction for drivers:

• Manual – This can include looking around for a lost object in the car, reaching under the seat or behind to the back seat.
• Cognitive – This can include a driver who is lost in thought and not paying full attention to driving.
• Visual – Anything that makes a driver takes their eyes off the road, like looking at the GPS or searching for a song on an iPod.

Some distractions actually are a combination of two or all the above, like texting or posting stuff on Facebook.

All of your training for your driving employees must emphasize the need to address all types of distracted driving, and should include scenarios to help them make proper decisions when behind the wheel.

2. Hire good drivers

When hiring personnel who drive, consider what their primary responsibility is. For example, if you own a plumbing operation, your drivers are not necessarily going to be professional drivers, since their primary duty is fixing plumbing issues.

But if you are hiring any workers who will be driving as part of their job, even if it’s not their primary responsibility, you should still make sure they are good drivers by checking their driving records.

Hiring safe drivers is one of the best ways for you to ensure you are putting safe drivers behind the wheel. After all, past driving behavior is the best indication of future performance.

If you think any prospect will be driving as part of their job, you should pull their DMV records. Look for anything serious like DUIs or frequent citations for moving violations. You should decide what your level of tolerance is for driving histories.

In addition, check their resumes to see whether they were driving as part of any of their prior jobs, and if they have experience driving the same type of vehicle they would be driving for you.

Also ask about any medications the applicant may be taking, as some can affect their driving.

Finally, consider requiring candidates that would be driving to take a road test as part of the recruitment process.

3. Coach current employees to be safe drivers

You should hold regular training for all of your current employees that may drive as part of their job, even if they are only running to the office supply store or on an occasional errand.

You should attack this in a three-pronged approach:

• Pull their DMV driving records annually.
• Subject them to road tests where they are graded on their safe driving.
• Hold an annual meeting to go over safe driving policies; reinforce the dangers of distracted driving and stress the need to always focus on the task at hand.

You should also have safe driving policies in writing that are enforceable. Your policies should list all the behaviors your workers are prohibited from engaging in while driving.

Some rules you can include:

• Never answer the phone while driving, even if you have a hands-free device.
• Bar programming a GPS while on the move and require that they pull over when safe to do so.
• Never hold your smartphone in your hand while driving.

Your policy should also specify the consequences and any disciplinary action for breaking the rules.

You should maintain records of these policies. This is of utmost importance if one of your employees is in an accident and accused of negligence. Your policy and proof of training can protect your organization.

4. Take advantage of technology

Many companies are installing GPS tracking devices in their vehicles so they can receive real-time information about a vehicle’s location and rate of speed. This gives you valuable insight into any dangerous habits your drivers may be engaging in.

You can also install technologies that will block cell phone signals while the vehicle is moving.

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.

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 programs are a vital safety net for both employees and employers, providing financial protection in the event of work-related injuries or illnesses. As a business owner in New York, New Jersey, or Connecticut, selecting the right workers’ compensation plan can be a challenging task. In this article, we’ll explore four types of workers’ compensation programs: Guaranteed Cost, Payroll/Workers Compensation, Professional Employer Organization (PEO), and State Type Plans. We’ll also introduce BGES Group, a reliable partner that simplifies the process and offers one-stop shopping for all your coverage needs.

1. Guaranteed Cost Workers’ Compensation Program

The Guaranteed Cost workers’ compensation program is a popular choice for many business owners. This plan provides predictable premium costs, allowing you to budget with confidence. With Guaranteed Cost, your premium is calculated based on your company’s payroll and industry risk factors. This stable model ensures that your costs won’t fluctuate due to claim frequency or severity.

2. Payroll/Workers Compensation Program

Payroll/Workers Compensation programs combine payroll services with workers’ compensation insurance, streamlining the administrative process. By integrating these services, business owners can save time and effort while maintaining compliance with state regulations. This type of plan is particularly beneficial for small to medium-sized enterprises that prefer a hassle-free approach to managing payroll and insurance.

3. Professional Employer Organization (PEO)

PEOs are a unique solution for business owners who want to outsource their HR and employee management functions. When you partner with a PEO, they become the employer of record for your staff, handling payroll, benefits, and workers’ compensation on your behalf. This arrangement not only simplifies administrative tasks but also grants access to cost-effective insurance plans, leveraging the PEO’s larger pool of employees.

4. State Plans

State Type Plans are government-operated workers’ compensation programs designed to ensure coverage for businesses that may have difficulty obtaining insurance through traditional channels. These plans vary by state, but they generally offer benefits similar to private insurance options. They can be a viable choice for business owners in specific industries or with unique risk profiles.

Why Choose BGES Group?

BGES Group is your trusted partner in navigating the complex world of workers’ compensation programs. With extensive experience in serving businesses in New York, New Jersey, and Connecticut, BGES Group understands the unique needs and challenges faced by local entrepreneurs.

One-Stop Shopping

One of the standout advantages of working with BGES Group is their commitment to providing comprehensive coverage solutions. Whether you’re a contractor, logistics company, auto service, limousine service, manufacturer, or any other type of business owner, BGES Group offers tailored plans to suit your specific requirements.

Representing the Best Plans

BGES Group has established relationships with leading insurance providers and represents the best workers’ compensation plans available. This means that when you work with BGES Group, you gain access to a diverse range of options, each designed to meet the needs of different industries and business sizes.

Expert Guidance

Choosing the right workers’ compensation program can be overwhelming, but BGES Group simplifies the process. Their team of knowledgeable professionals will guide you through the selection process, helping you understand the nuances of each plan and selecting the best fit for your business.

Workers’ compensation is a critical component of your business’s success and the well-being of your employees. Understanding the different types of workers’ compensation programs available – Guaranteed Cost, Payroll/Workers Compensation, Professional Employer Organization (PEO), and State Type Plans – is essential in making the right decision.

BGES Group stands out as a reliable partner for New York, New Jersey, and Connecticut business owners seeking the best workers’ compensation plan. Their commitment to one-stop shopping, representing the best plans, and providing expert guidance ensures that you can focus on what you do best – running your business – while knowing you and your employees are well protected.

So why wait? Reach out to BGES Group today (for immediate help call Gary Wallach at 914-806-5853 – he is available Monday thru Sunday 6:30am till 10PM) and secure the ideal workers’ compensation plan for your business. With their support, you can rest assured that you’re making a sound and informed decision for the future of your company and your valued employees.

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.

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

In the bustling construction industry of New York, where skyscrapers reach for the clouds and projects seem never-ending, contractors face numerous challenges. One essential aspect often overlooked is liability insurance. Understanding the ins and outs of New York contractors liability insurance, especially when it comes to coverage for subcontractors, can make or break your business’s financial security.

Coverage for Subcontractors:

Subcontractors are a vital part of most construction projects. However, relying on them without proper insurance coverage can expose your business to substantial risks. To safeguard against this, insurance liability companies often attach specific requirements to ensure subcontractors carry minimum liability limits and certain coverages. Failure of  subs to carry what your insurance company requires may cause denial of a claim.

The Consequences of Inadequate Coverage: In the construction world, accidents can happen despite the strictest safety measures. In the event of an incident due to a subcontractor’s negligence, having inadequate coverage can be devastating. This is where these insurance clauses come into play.

1. Standard Independent Coverage: Some liability policies offer standard independent coverage, which is the most lenient form of protection. This means that if a subcontractor fails to meet the minimum coverage requirements, the contractor is still covered, but there may be some financial repercussions.

2. Soft Hammer Independent Contractors Clauses: Others have what is known as soft hammer independent contractors clauses. In this scenario, if a subcontractor doesn’t meet the specified coverage and limits, the contractor is still covered, but they could be responsible for paying a sizable deductible and may face higher insurance premiums as a result.

3. Hard Hammer Independent Contractor Clause: The most restrictive of all is the hard hammer independent contractor clause. In this case, if a subcontractor fails to carry the minimum coverage requirements, there will be no coverage in the event of a claim. This can put a significant financial burden on the contractor and jeopardize the entire project.

Navigating the Complex World of Liability Insurance: With so much at stake, New York contractors need a trusted partner to navigate the intricate web of liability insurance. This is where the BGES Group steps in to provide essential support and guidance.

How BGES Group Can Help: The BGES Group specializes in assisting New York contractors in managing their insurance needs effectively. We offer programs designed to help screen subcontractor insurance to ensure they meet the necessary requirements, thereby minimizing risks for your business.

Our team of experts understands the unique challenges faced by contractors in the New York construction industry. We can help you decipher the complexities of liability insurance, ensuring that both you and your subcontractors are adequately protected.

In conclusion, New York contractors liability insurance is a crucial aspect of safeguarding your business in the construction industry. Understanding the varying degrees of coverage for subcontractors and the associated clauses is essential for making informed decisions. Whether your policy has a standard independent coverage clause (which almost none do), a soft hammer clause, or hard hammer clause, the key is to ensure that your subcontractors meet the minimum coverage requirements to avoid potential financial disasters. With the assistance of the BGES Group, you can confidently navigate the insurance landscape, protecting your business and securing its future in the dynamic world of New York construction.

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.

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

In the realm of business management, every step towards efficiency and cost-effectiveness counts. BGES Group, a pioneer in providing innovative business solutions, has unveiled a groundbreaking program designed to streamline and optimize your company’s health plans, workers’ compensation, and payroll management. This master program combines a diverse selection of 11 group health plans (that has a massive number of providers) unparalleled savings on workers’ compensation, and a user-friendly payroll system. Let’s delve into the details of how this program can revolutionize your business operations and save you substantial time and money.

**The Power of Choice: Tailored Group Health Plans**

One of the standout features of BGES Group’s program is its diverse offering of 11 group health plans. From low to high deductibles, HMO to PPO, these plans are designed to cater to various needs and preferences. This flexibility empowers businesses to select the plan that aligns perfectly with their workforce and budget. The variety of choices ensures that you don’t settle for a one-size-fits-all approach, allowing your employees to access healthcare that suits their unique requirements.

**Substantial Savings with Group Health Plans**

BGES Group’s group health plans aren’t just about options; they’re also about big savings. By leveraging the strength of a collective pool, businesses can tap into cost advantages that wouldn’t be possible through individual plans. The sheer volume of participants in the group health plans leads to reduced premiums, making quality healthcare accessible without straining your financial resources.

**National Network, Local Care: Extensive Healthcare Coverage**

The program’s group health plans come with a national network that features a vast array of local doctors and medical professionals. This expansive network ensures that your employees have access to top-tier medical facilities and services, no matter where they are located. This means peace of mind for both you and your employees, knowing that healthcare is easily accessible when needed.

**Seamless Claims Processing and Support**

Navigating insurance claims can often be a complex and time-consuming process. BGES Group has taken care of this by setting up a dedicated human resources department that specializes in assisting with claims. Their experts are skilled in ensuring swift and hassle-free claims processing, allowing you to focus on running your business while your employees receive the benefits they deserve.

**Revolutionizing Workers’ Compensation**

In addition to revolutionizing health plans, BGES Group’s program brings remarkable changes to workers compensation insurance. The program’s workers’ compensation offering is tailored to save businesses money while providing comprehensive coverage. Even if your accounts have a history of poor loss experiences, this program can cover them. Gone are the days of invasive audits; the pay-as-you-go structure eliminates unnecessary complexities and ensures that your business only pays for what it uses.

**Tailored Coverage Across Industries**

BGES Group’s program extends its benefits beyond traditional business boundaries. Whether you’re in the realm of contracting, limousine services, moving and storage, or trucking, the program has you covered. Its adaptability across various industries underscores its commitment to providing tailored solutions that meet specific industry needs.

**Reach Out for More Information**

Are you ready to take your business’s benefits and management to the next level? For more information and to explore how BGES Group’s program can transform your operations, get in touch with Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. The team is eager to guide you through the process and help you unlock a more streamlined and cost-effective approach to business management.

In conclusion, BGES Group’s innovative program offers a holistic approach to business benefits, combining a diverse range of group health plans, game-changing workers’ compensation, and an intuitive payroll system. The focus on choice, savings, and tailored coverage across industries sets this program apart. By simplifying complexities and reducing costs, BGES Group empowers businesses to thrive in their respective fields while ensuring the well-being of their employees.

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.

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

In the bustling construction industry of New York, contractors are no strangers to the challenges of managing payroll, workers’ compensation, and group health coverages. These intricacies not only demand meticulous attention but also substantial financial resources. Enter BGES Group, a pioneering solution that offers contractors the opportunity to streamline and optimize these vital aspects of their business operations.

The Challenges Faced by New York Contractors:

For contractors in New York, navigating the intricacies of payroll management, workers’ compensation, and group health insurance can be an overwhelming task. These responsibilities are not only time-consuming but can also result in exorbitant costs, causing a significant dent in a contractor’s bottom line. Moreover, the process can become even more complex due to varying rates, auditing requirements, and claims services.

The BGES Group Advantage:

BGES Group steps in as a game-changer, offering contractors a comprehensive master program that combines payroll, workers’ compensation, and group health coverages. The central premise of the program is to consolidate these critical elements under one roof, streamlining processes, minimizing administrative overhead, and maximizing savings.

1. **Substantial Cost Savings**: One of the most enticing benefits of the BGES Group program is the potential to save up to 30 percent on costs. For contractors dealing with significant payroll and coverage expenses, this reduction can translate to substantial financial relief. This saved capital can then be reinvested into the business for growth or used to enhance other operational areas.

2. **Efficiency and Simplicity**: With the master program, contractors no longer need to juggle multiple providers or navigate convoluted processes. BGES Group simplifies everything, providing a unified solution that ensures smoother operations. This newfound efficiency can free up valuable time and resources, allowing contractors to focus on what they do best—constructing exceptional projects.

3. **Enhanced Health Coverage**: Beyond cost savings, BGES Group also recognizes the importance of providing superior health coverage to contractors and their workforce. The program offers access to better group health insurance plans, ensuring that both the contractors and their employees receive comprehensive coverage for their medical needs. This dual advantage of cost savings and improved coverage is a remarkable incentive for contractors to consider BGES Group.

4. **Relief from Frustrations**: Contractors who have been grappling with issues related to workers’ compensation rates, insurance coverage, audits, or claims services finally have a solution to their woes. BGES Group acts as a beacon of relief, offering a way to alleviate these persistent concerns. By placing these responsibilities in the capable hands of BGES Group, contractors can experience a newfound sense of peace and security.

In conclusion, BGES Group presents a revolutionary opportunity for New York contractors to transform their business operations and financial outlook. The prospect of consolidating payroll, workers’ compensation, and group health coverages under a master program can save contractors a substantial amount—up to 30 percent in some cases. This level of savings has the potential to significantly impact a contractor’s profitability and longevity in the competitive construction industry.

Furthermore, the promise of enhanced health coverage and relief from the frustrations of managing various administrative aspects is a compelling incentive for contractors to explore what BGES Group has to offer. The simplified, efficient, and comprehensive approach provided by the program can enable contractors to refocus their efforts on delivering exceptional projects while leaving the intricacies of payroll and insurance in capable hands.

If you’re a contractor in New York seeking financial relief, efficiency, and improved coverage, it’s time to take action. Pick up the phone, give BGES Group a call, and unlock a future where your business thrives with streamlined operations and substantial savings. Your journey towards a brighter, more prosperous construction business begins with a single call to BGES Group.

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.

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

Unhappy with Your General and Umbrella Liability Rates or Coverage?  Let Us Market Your Account To Our Network of 50 Companies and Get You Better.  Call Gary Wallach at 914-806-5853 and Get Help Today!

In the bustling world of New York contractors (we service the tri-state area), finding the right insurance coverage can often feel like navigating a maze. With liability, auto, workers’ compensation, and group health needs at stake, it’s crucial to have an insurance agency that not only understands your requirements but also provides reliable, hassle-free service. That’s where BGES Group steps in, standing out amongst insurance agencies with its customer-centric approach and unmatched expertise.

**Unparalleled Access to Insurance Programs**

BGES Group has positioned itself as a one-stop solution for contractors’ insurance needs. What sets them apart is their representation of the best contractor insurance programs available in the market. With access to up to 50 insurance companies to market your account to, BGES Group ensures that you’re not limited to a narrow range of choices. This extensive network allows them to tailor insurance solutions that precisely match your needs, without compromising on coverage or cost-effectiveness.

**Experience Counts**

Unlike some agencies that may have inexperienced staff managing accounts, BGES Group prides itself on having a seasoned professional who understands the unique challenges faced by contractors. With years of industry experience, their expert possess both book smarts and street smarts, making them well-equipped to navigate the complexities of contractor insurance.

**Personalized Attention in a Factory World**

In an era where larger insurance agencies have turned into impersonal factories, acquiring smaller agencies and overwhelming account executives with hundreds of clients, BGES Group stands out for its personal touch. They prioritize each client, providing tailored advice and support that larger agencies often struggle to offer. With BGES Group, you’re not just another account number – you’re a valued partner.

**No Hidden Fees, No Worries**

A common concern among contractors seeking insurance is the addition of hidden fees that can catch them off guard. Unlike many agencies that tack on thousands of dollars in policy and service fees (which shows whose best interests they have in mind…theirs), BGES Group takes a refreshing approach. They understand that every dollar counts for contractors, and therefore, they don’t charge extra policy or service fees. This commitment to transparency ensures that you’re getting the coverage you need without any unpleasant surprises.

**Construction Insurance Experts at Your Service**

One of the key differentiators of BGES Group is their expertise in construction insurance. While many account executives at other agencies may have a general understanding of insurance, BGES Group’s specialist are true experts in the field. They comprehend the intricacies of contractor insurance, enabling them to provide insights and solutions that are tailored to the unique risks faced by contractors in New York.

**Accessible and Responsive**

Getting in touch with your insurance agency shouldn’t feel like a game of phone tag or an endless wait for email replies. BGES Group understands the importance of accessibility and responsiveness. With them, you’ll find it easy to connect with their expert, whether you need immediate assistance or have questions about your coverage. Their commitment to being available and responsive ensures that you’re never left in the dark when it comes to your insurance needs.

**Comprehensive Coverage**

BGES Group is more than just an insurance agency – they’re your partners in securing your business’s future. They offer a wide range of coverage options, including builders’ risk, general liability, umbrella liability, business auto, workers’ compensation, NYS disability, bonds, and group health. This comprehensive approach means that you can rely on BGES Group to handle all your insurance needs under one roof, saving you time and effort.

**Meet Your Expert: Gary Wallach**

For contractors seeking top-notch insurance solutions, BGES Group’s expert, Gary Wallach, is your go-to contact. With a deep understanding of the industry and a genuine commitment to helping contractors succeed, Gary is both knowledgeable and approachable. You can reach him at 914-806-5853 or via email at bgesgroup@gmail.com.

In the ever-changing landscape of contractor insurance, BGES Group stands as a beacon of reliability, expertise, and personalized service. With their extensive network of insurance providers, experienced team, transparent pricing, and dedication to meeting your needs, they’re the ideal partner for New York contractors looking for peace of mind and comprehensive coverage. Get in touch with BGES Group today and experience the difference for yourself.

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.

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