Every organization has risks; and while they vary for each business and industry, risks are unavoidable. Therefore, every organization, whether it realizes it or not, practices risk management. Those who do it well reduce their costs, particularly for insurance premiums and any deductible outlays they may incur.

Step one

Start by identifying your organization’s loss exposures. They could be any buildings or property you own, such as furniture or goods held for sale.

They could be cars, trucks, machinery or heavy equipment used in the business. They could also be activities you perform, such as consulting, printing or software design. Finally, they could be products the firm makes or sells, or its finished work.

The next step is deciding how to control the exposures your business faces.

Risk avoidance: Deciding not to take on that exposure. An organization decides not to take on a new project to avoid future liability for defective work.

Loss prevention: Taking on the exposure and trying to keep losses from happening. A hardware store bars customers from entering the lumber area where there are forklifts and other dangers.

Loss reduction: Taking steps to make losses that do happen less severe. A printing plant places fire extinguishers in all areas where fires may start in the facility, like paper storage areas, ink storage areas and near large printing presses.

Contractual transfer of risk: Signing a contract with someone else who agrees to take on the risk. A building owner rents its building with a lease that requires the tenant to obtain insurance on it.

Risk retention: Bearing the cost of some losses without outside help. A jewelry store decides to absorb up to $5,000 in theft losses.

Insurance: Buying insurance to cover the cost of losses the organization does not want to retain. A manufacturer purchases business interruption coverage to pay for lost revenues due to supply-chain disruptions or natural disasters that keep it from operating.

Implementation

Once you have selected one or more risk management techniques, you must put them into action. This can take the form of protective gear for employees; regular maintenance for vehicles; first aid kits; good housekeeping to prevent slips and falls; advance planning for weather emergencies; reserve funds for retained losses; and purchase of insurance, among other things.

The last step is to monitor the risk management program’s effectiveness and make adjustments as needed. This will take time as you will need to collect data and record events that may trigger claims.

Organizations that practice good risk management can realize several benefits.

One of the foremost is reduced insurance premiums. A business that actively controls its risks is very attractive to insurers. It will find itself the object of competition from several companies, each of whom will try to offer the lowest premiums.

Also, the more losses the insured retains in the form of higher deductibles, the less the insurer has to pay. The insurer will lower the premium to reflect its own reduced risk.

Risk management has other benefits. Some losses, such as disruption of work schedules and time spent on post-accident paperwork, are not insurable.

Also, safe workplaces attract good workers. Companies with poor safety records may have trouble winning bids on projects. For the good of its operations, reputation and bottom line, every organization should make risk management a priority.

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

Are you a contractor in New York with your General Liability, Umbrella Liability, or Workers’ Compensation coverages coming up for renewal soon? If you’re facing challenges like poor loss experience, restrictive coverage, exorbitant rates, last-minute quotes, policy fees, or difficulty covering independent contractors, the BGES Group specialists in construction insurance are here to provide a straightforward solution. Our goal is simple: to help contractors like you find better coverage and better rates without the hassle.

**1. Overcoming Poor Loss Experience:**

Struggling with a history of losses that’s impacting your ability to secure affordable coverage? At BGES Group, we understand the challenges you face. Our team specializes in navigating these situations, connecting you with insurance options tailored to your needs, even if you’ve had a rocky loss history.

**2. Liberating You from Restrictive Coverage:**

Are you feeling trapped by insurance coverage that’s riddled with restrictions, leaving you less protected than you’d like? Our experts will work with you to understand your specific requirements and provide access to policies that offer comprehensive coverage, freeing you from unnecessary limitations.

**3. Easing the Burden of Exorbitant Rates:**

High insurance rates can cripple your finances. If you’re grappling with exorbitant premiums, BGES Group is here to help. Leveraging our wide network of insurance providers, we’ll shop around for the most competitive rates that align with your budget, ensuring you’re not paying more than necessary.

**4. Say Goodbye to Last-Minute Quotes:**

Tired of your insurance broker springing renewal quotes on you at the last minute? With BGES Group, you won’t have to endure the stress of rushed decisions. We prioritize transparency and timely communication, ensuring you have ample time to review your options before your renewal date.

**5. Eliminating Surprise Policy Fees:**

Hidden policy fees can quickly add up, leaving you frustrated and financially strained. Our commitment to simplicity means you won’t encounter unexpected fees when working with BGES Group. We believe in transparency and will present you with straightforward, honest quotes that don’t hide any surprise charges.

**6. Simplifying Independent Contractor Coverage:**

Navigating the complexities of independent contractor coverage can be challenging, but it’s a challenge we’re well-equipped to tackle. Our experts understand the evolving landscape of contractor relationships and will guide you toward policies that offer clear, effective coverage for your independent contractors.

At BGES Group, we don’t just promise results – we deliver them. With access to a vast array of the best construction programs and partnerships with up to 50 insurance companies, we have the resources and expertise to help you better your insurance situation. We understand that the construction industry is fast-paced and demanding, and your insurance coverage shouldn’t be a source of stress. That’s why we offer a simplified approach, focusing on practical solutions that work for you.

Don’t let the renewal process bog you down. Whether you’re struggling with past losses, coverage limitations, excessive rates, or frustrating brokers, BGES Group is here to provide the relief you need. Our track record speaks for itself – we’ve helped countless contractors like you secure improved coverage and rates that don’t break the bank.

When you partner with BGES Group, you’re choosing a team that values your time, your budget, and your peace of mind. Our straightforward approach to construction insurance means you can focus on what you do best – building and growing your business.

Ready to take control of your insurance renewal? Reach out to BGES Group today and experience the difference of working with specialists who truly understand your needs. Your better coverage and better rates are just a phone call away.

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 contractor insurance 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 dynamic world of construction contracting, managing various aspects of business operations efficiently is crucial. One company that stands out in this regard is the BGES Group, which has been assisting contractors for an impressive 42 years. Their innovative program offers a streamlined solution that encompasses payroll, workers’ compensation, and group health coverage, all within one comprehensive package.

One of the most compelling benefits of the BGES Group’s program is the potential for substantial cost savings. By consolidating essential business functions under a single program, contractors can experience a reduction in insurance costs by up to 25 percent or more. This remarkable saving is not only a testament to the efficiency of their approach but also a boon for contractors aiming to optimize their budgets.

The hallmark of BGES Group’s service lies in their commitment to providing first-class assistance. For contractors, navigating the intricacies of insurance, payroll, and workers’ compensation can be overwhelming. BGES Group’s program simplifies this process by offering seamless integration and a user-friendly interface. Moreover, their experienced professionals are readily available to address any concerns or queries. The promise of immediate assistance sets them apart in an industry where timely support can make all the difference.

One aspect that truly distinguishes BGES Group from its competitors is its service-oriented approach. When you reach out to them, you won’t find yourself caught in an endless loop of automated messages. Instead, a real person will answer your call, ready to provide personalized solutions. This level of attentiveness ensures that contractors’ needs are addressed promptly and effectively.

Moreover, BGES Group’s commitment to customer satisfaction goes beyond mere responsiveness. In a business landscape where complications can arise unexpectedly, having a dedicated team at your disposal can prove invaluable. Should any issues arise, you can rest assured that BGES Group will be there to assist you, providing the necessary support to keep your operations running smoothly.

Another noteworthy aspect is their transparent and fair fee structure. While some insurance agencies tack on hefty policy fees, BGES Group operates differently. They understand that contractors deserve transparency and fairness when it comes to costs. Unlike those who charge thousands in additional fees, BGES Group follows a “no charge unless unpaid by your insurance company” policy. This demonstrates their dedication to aligning their interests with those of their clients, fostering a trusting and collaborative partnership.

If you’re currently unsatisfied with your current insurance, payroll, or workers’ compensation setup, it’s worth considering the BGES Group’s program. Taking the step to request a quote could reveal significant opportunities for improvement. With their decades of experience and proven track record, BGES Group has the expertise to assess your needs accurately and tailor a solution that fits your requirements perfectly.

In conclusion, the BGES Group’s program offers an integrated solution that streamlines contractor payroll, workers’ compensation, and group health coverage. With the potential to reduce insurance costs by up to 25 percent or more, the program presents an appealing prospect for contractors seeking efficiency and cost savings. The commitment to first-class service, immediate assistance, and transparent fees further solidify BGES Group’s reputation as a trusted partner in the contracting industry. For those looking to enhance their operational efficiency and financial viability, exploring BGES Group’s comprehensive program is undoubtedly a step in the right direction.

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 construction, bidding out jobs to contractors is a practice that has become the norm. It allows owners to secure competitive prices and ensures quality work on their projects. However, amidst the complexities of this process, contractors face the need for comprehensive insurance coverage to safeguard their operations, workers, and projects. This is where BGES Group steps in, specializing in insuring tri-state contractors, with a particular focus on the New York construction industry.

**Understanding the Bidding Process:**

Bidding is an essential component of the construction industry. Owners solicit bids from contractors for their projects, and contractors must present their best offer, considering both cost and quality. This competitive process allows owners to choose the contractor that not only provides a reasonable price but also demonstrates the ability to deliver exceptional work.

**The Role of BGES Group:**

BGES Group is a distinguished insurance agency that specializes in serving the unique needs of tri-state contractors, with a keen emphasis on New York’s bustling construction sector. With an impressive network of 50 insurance companies and the best specialized New York construction programs , BGES Group is well-equipped to market contractors’ accounts and find the most suitable insurance solutions. The agency has built a reputation for representing the best New York construction insurance programs, ensuring that contractors have access to tailored coverage that addresses their specific needs.

**Comprehensive Coverage Offered:**

BGES Group offers a wide array of coverage options to cater to the diverse requirements of contractors. Some of the key coverages include:

– **Builders Risk:** Protection against damage or loss to a construction project during its development.

– **Contractor General Liability:** Coverage for bodily injury, property damage, and related legal costs.

– **Umbrella Liability:** Additional liability coverage that goes beyond the limits of underlying policies.

– **Business Auto:** Insurance for vehicles used in the course of business operations.

– **Workers Compensation:** Coverage for workplace injuries, including medical expenses and lost wages.

– **New York State Disability:** Compliance with state requirements for disability insurance.

– **Bid and Performance Bonds:** Ensuring contractors meet their contractual obligations and complete projects as agreed.

– **Group Health Insurance:** Offering health coverage options for employees.

**Value-Added Services:**

Apart from its comprehensive insurance offerings, BGES Group goes the extra mile to provide invaluable services that support contractors throughout their projects:

– **Contract Review:** Ensuring that insurance provisions in contracts align with the contractor’s coverage.

– **Subcontractor Review:** Verifying that subcontractors carry adequate coverage to mitigate potential risks.

– **Certificates of Insurance:** Issuing certificates in a timely manner to meet project requirements.

– **Risk Transfer:** Facilitating the transfer of risk through properly constructed insurance and hold harmless agreements.

– **Safety Manual Preparation:** Assisting in the creation of safety manuals to enhance on-site safety measures.

**Unmatched Customer Service:**

One of BGES Group’s standout features is its commitment to exceptional customer service. When you choose BGES Group, you’re not just dealing with an agency – you’re collaborating with a dedicated partner. Each call is answered promptly by the same experienced professional with over 42 years of industry knowledge. Emails and texts receive immediate responses, ensuring that your concerns are addressed swiftly. Additionally, BGES Group stands out by not charging extra policy and service fees that some agencies impose. These fees charged by others can amount to thousands, tens of thousands of dollars. Unless BGES Group does not get paid by a carrier, they do not make such charges. This transparent approach reflects the agency’s dedication to putting clients’ interests first.

**Contact BGES Group Today:**

If you’re a tri-state contractor, especially in the vibrant New York construction industry, BGES Group is your trusted ally in securing the right insurance coverage. With a comprehensive range of coverages, personalized services, and unmatched customer support, BGES Group ensures that your projects are safeguarded, your workers are protected, and your business is poised for success. For a complimentary insurance review and consultation, reach out to Gary Wallach at 914-806-5853. Whether it’s a weekday or weekend, BGES Group is there to assist whenever you have the time.

In conclusion, BGES Group’s specialization in insuring tri-state contractors, particularly in New York, fills a crucial gap in the construction industry. By providing tailored coverage, comprehensive services, and unmatched customer support, BGES Group ensures that contractors can focus on delivering exceptional work while their insurance needs are expertly managed.

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

Labor laws play a crucial role in safeguarding the rights and safety of workers in various industries. In New York, two prominent labor laws, namely Labor Law 240 and Labor Law 241, have significant implications for contractors and their liability insurance. These laws aim to ensure the well-being of construction workers and provide them with necessary protections against accidents and injuries that may occur on the job.

**Understanding Labor Laws 240 and 241**

**Labor Law 240**, often referred to as the “Scaffold Law,” places strict liability on contractors and property owners for injuries sustained by workers who fall from elevated heights or due to falling objects. This law holds them accountable for providing proper safety equipment, training, and measures to prevent such accidents. The goal of this law is to ensure that workers are protected from the risks associated with working at elevated heights, where the potential for serious injuries is high.

**Labor Law 241**, on the other hand, sets specific safety standards for construction, excavation, and demolition work. It outlines the responsibilities of contractors and property owners to maintain a safe work environment that complies with established safety codes and regulations. Unlike Labor Law 240, which focuses on injuries resulting from falls and falling objects, Labor Law 241 encompasses a wider range of potential hazards at construction sites.

**Application to New York Contractors’ Liability Insurance**

For contractors in New York, understanding and complying with Labor Laws 240 and 241 are essential not only to ensure the safety of their workers but also to protect themselves from potential liability. Liability insurance is a critical aspect of risk management for contractors, as it helps cover the costs associated with legal claims, medical expenses, and property damage resulting from accidents on the job.

When it comes to Labor Laws 240 and 241, liability insurance becomes even more crucial. Contractors must ensure that their insurance policies adequately cover the potential risks and liabilities associated with accidents covered by these laws. Inadequate coverage could lead to significant financial setbacks in the event of a claim.

**Examples of Labor Law Claims**

To better understand the impact of Labor Laws 240 and 241 on contractors and their liability insurance, let’s explore three hypothetical examples of labor law claims:

1. **Falling Object Injury (Labor Law 240):** A construction worker is injured when a heavy tool falls from a higher floor and strikes him. Under Labor Law 240, the contractor and property owner could be held liable for failing to provide proper safeguards to prevent such accidents. The injured worker could file a claim seeking compensation for medical expenses, lost wages, and pain and suffering.

2. **Unsafe Worksite (Labor Law 241):** In another scenario, a construction worker is injured when a trench collapses due to inadequate shoring. According to Labor Law 241, contractors and property owners are responsible for maintaining a safe worksite and adhering to established safety standards. The injured worker might file a claim based on the violation of Labor Law 241, seeking compensation for injuries sustained due to the unsafe worksite conditions.

3. **Fall from Height (Labor Law 240):** A construction laborer falls from a scaffold due to lack of proper safety equipment and training. Labor Law 240 imposes strict liability on contractors and property owners for injuries resulting from falls at elevated heights. The injured worker could pursue a claim against both the contractor and property owner, holding them accountable for the accident and seeking compensation for damages.

**How BGES Group Assists New York Contractors**

Navigating the complexities of Labor Laws 240 and 241 and securing appropriate liability insurance can be daunting for New York contractors. This is where the BGES Group comes into play. The BGES Group specializes in providing tailored insurance solutions for contractors, ensuring that they have the coverage they need to comply with labor laws and protect their businesses.

With a deep understanding of the construction industry and New York labor laws, the BGES Group assists contractors in purchasing quality liability insurance that aligns with their specific needs. They work closely with contractors to assess their risks, identify potential gaps in coverage, and create comprehensive insurance packages that address the requirements of Labor Laws 240 and 241.

In conclusion, Labor Laws 240 and 241 are critical components of New York’s labor regulations, aiming to provide a safe working environment for construction workers. These laws have a significant impact on contractors’ liability insurance, as they can lead to claims that require proper coverage to mitigate financial risks. Contractors need to be well-informed about these laws, and partnering with experts like the BGES Group can help ensure compliance and adequate protection in the face of potential liabilities.

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

contractors liability insurance – NY

contractors liability insurance

In the bustling world of New York contractors, insurance plays a vital role in ensuring protection against unforeseen risks and liabilities. Over the years, the insurance landscape has evolved, with many agencies catering to the unique needs of these contractors. However, a concerning trend has emerged – some of the largest insurance agencies that serve New York contractors have grown so big that they struggle to provide efficient service, leaving contractors exposed to potential risks.

**The Downside of Size: Neglecting the Contractor’s Needs**

As these insurance agencies expanded, their focus shifted towards growth and profits, often at the expense of personalized service. This shift has led to a lack of attention to the specific needs of New York contractors. With their extensive client bases, these agencies find it increasingly challenging to effectively manage and address individual concerns.

**High Turnover and Inexperienced Employees**

One of the most glaring issues within these massive insurance agencies is the high turnover rate among their employees. The rapid growth of these agencies has led to a constant influx of new staff, many of whom lack the necessary experience to provide comprehensive assistance. Consequently, contractors seeking guidance and understanding of complex insurance policies are left feeling frustrated and underserved.

**Lack of Expertise in Policy Coverage**

A significant concern arising from this situation is the lack of expertise among these agencies’ personnel regarding policy coverage, exclusions, restrictions, and warranties. New York contractor liability policies are intricate and nuanced, demanding a deep understanding of the construction industry’s intricacies. Unfortunately, many employees at these agencies seem unaware of the policy details they are offering, potentially leaving contractors exposed to risks they believe are covered.

**Factory-Like Approach: Quantity Over Quality**

The factory-like approach adopted by some of these agencies has further exacerbated the problem. With customer service personnel handling well over 120 accounts each, the quality of service inevitably suffers. Contractors find themselves lost in the shuffle, struggling to receive the individualized attention and guidance they need to make informed insurance decisions.

**Unreasonable Policy and Service Fees**

To add insult to injury, many of these agencies have started tacking on additional policy and service fees. Ranging from $1,000 to $5,000 per policy, these fees raise eyebrows and question the agencies’ priorities. It’s evident that such fees reflect a focus on generating revenue rather than genuinely prioritizing the contractors’ best interests.

**The Alternative: BGES Group’s Tailored Approach**

Amidst this disheartening trend, BGES Group emerges as a beacon of hope for New York contractors seeking exceptional insurance service. In stark contrast to the factory-like approach, BGES Group maintains a personalized touch that larger agencies have lost.

**Unparalleled Experience and Dedication**

BGES Group’s standout feature is its team, with one individual boasting an impressive 42 years of experience. This extensive knowledge directly benefits contractors, as it ensures they receive expert guidance tailored to their unique situations. With a manageable workload of 50 or fewer accounts, the focus remains squarely on quality over quantity.

**No Extra Fees: A Refreshing Change**

Unlike the practices of larger agencies, BGES Group prides itself on not charging extra policy fees or additional costs for customer service. This commitment reflects their genuine dedication to helping contractors secure appropriate coverage without hidden fees eating into their budgets.

**The Ultimate Choice for New York Contractors**

BGES Group represents a refreshing departure from the norm – a small, family-like establishment that leverages its extensive experience and network of 50 companies to cater to New York contractors. The agency’s personalized approach ensures that every contractor’s needs are understood and met with precision, minimizing potential gaps in coverage.

In a market rife with oversized agencies that have lost sight of their clients’ interests, BGES Group stands tall as a testament to the value of personalized service and industry expertise. For New York contractors seeking comprehensive coverage without compromising on individualized attention, BGES Group is an insurance partner that remains unrivaled.

In conclusion, the landscape of insurance for New York contractors has seen a shift towards massive agencies that struggle to provide adequate service due to their size. High employee turnover, lack of expertise, excessive fees, and a factory-like approach have left contractors seeking better alternatives. BGES Group’s commitment to personalized service, extensive experience, and fee transparency sets a new standard for insurance agencies. As a small, dedicated team, BGES Group truly understands the intricacies of New York contractor insurance, making them the ideal partner for any contractor’s insurance needs.

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 today’s dynamic business landscape, specialized industries such as limousine services, moving and storage agents, and trucking companies require insurance solutions that go beyond the conventional. This is where the BGES Group steps in, offering unique workers’ compensation programs that cater specifically to the needs of these sectors. With a commitment to competitive pricing, coverage stability, proper payroll classification, and exceptional service, BGES Group stands as a reliable partner for businesses seeking comprehensive and tailored insurance solutions.

**Competitive Pricing and Coverage Stability**

One of the cornerstones of BGES Group’s offerings is its dedication to providing competitive pricing without compromising on coverage quality. Recognizing the financial challenges that businesses in limousine services, moving and storage, and trucking often face, BGES Group works diligently to structure insurance programs that align with the industry’s demands. By offering cost-effective options, BGES Group ensures that businesses can access the protection they need while maintaining their bottom line.

Moreover, BGES Group prioritizes coverage stability, recognizing the importance of consistent and reliable protection in these industries. Fluctuations in business conditions and economic factors can affect insurance needs, but BGES Group’s programs are designed to provide a stable foundation that businesses can rely on. This stability offers peace of mind to business owners, allowing them to focus on their operations with confidence.

**Proper Classification of Payrolls**

One key challenge that many specialized industries face when it comes to workers’ compensation insurance is the accurate classification of payrolls. Different roles within these industries might have unique risk profiles, making it crucial to classify payrolls accurately to ensure appropriate coverage. BGES Group’s expertise shines through in this aspect, as they possess a deep understanding of the intricacies involved in classifying payroll within limousine services, moving and storage, and trucking companies. This precise classification ensures that each worker is adequately covered, contributing to a comprehensive insurance solution.

**Streamlined Audits and Assistance**

Traditionally, annual audits have been a cumbersome process for businesses seeking workers’ compensation coverage. BGES Group aims to alleviate this burden by offering programs that may not require invasive annual audits. This feature not only saves businesses valuable time and resources but also reflects BGES Group’s commitment to streamlining insurance processes for its clients. By providing a smoother audit experience, BGES Group empowers businesses to stay focused on their core operations.

**Rescuing Companies from Past Loss Experience and Lack of Coverage**

BGES Group’s remarkable track record extends to aiding companies that have encountered challenges in the past. Businesses with a history of poor loss experience often struggle to secure insurance coverage. However, BGES Group’s expertise in risk management and tailored insurance solutions has helped many such companies regain their footing. Additionally, for businesses that have struggled to find an insurance company willing to cover them, BGES Group has emerged as a reliable partner, offering much-needed coverage solutions tailored to their unique needs.

**Unparalleled Service: Always Accessible**

What truly sets BGES Group apart is its commitment to delivering first-class service to its clients. In an era where accessibility and responsiveness matter greatly, BGES Group excels. When contacting BGES Group, clients never find themselves waiting endlessly for a response. Calls, emails, and texts are promptly attended to, ensuring that clients receive the support they need in a timely manner. This commitment to immediate assistance demonstrates BGES Group’s dedication to prioritizing its clients’ concerns and inquiries.

In conclusion, the BGES Group has emerged as a beacon of reliability and tailored insurance solutions for specialized industries such as limousine services, moving and storage agents, and trucking companies. With competitive pricing, coverage stability, accurate payroll classification, streamlined audit processes, and unparalleled service, BGES Group stands as a trusted partner for businesses seeking comprehensive workers’ compensation programs. Their track record of assisting companies with poor past loss experience or those struggling to find coverage showcases their deep expertise and commitment to solving complex insurance challenges. For businesses in these specialized sectors, BGES Group’s offerings provide not only protection but also the assurance of a partner that understands their unique needs and can adapt to their evolving requirements.

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 for limousine services

workers compensation for moving and storage agents

workers compensation for truckers

In the course of doing business, you may sometimes find yourself entering into contracts requiring that your business be named as an additional insured on another party’s insurance policies.

This is often done to make sure that your own insurance is not depleted by defense and indemnification costs for losses for which you may be legally liable as a result of the business relationship you have with the other party, and that are not due to your own firm’s direct negligence.

An additional insured is defined as an individual or entity that is not automatically included as an insured under the policy of another, but for whom the named insured’s policy provides a certain degree of protection.

When to opt for additional insured statusThere are many instances when you may want your firm included as an additional insured on another’s policy. Here are just a few examples:

• If you are a building owner, you want to be an additional insured on the property and general liability insurance of your tenants in case one of them damages your building or in the event that a visitor to the property is injured.
• If you are the owner or a contractor on a construction project, you want to be an additional insured on the general liability insurance of your contractors and subcontractors in case there is an injury to one of their employees.
• If you are a distributor or a retailer, you may want to be an additional insured on the insurance programs of the manufacturers of the products that you sell.
• If a contractor comes onto your property to perform work of any type, including erecting displays or other maintenance or structural work, you will want to be named as an additional insured on their policy in case the display falls on someone, or someone is injured due to the work they are performing. You don’t want to be held responsible for any dangers or injuries created by the contractor’s work.

If you are to become an additional insured on another company’s policy, you need to confirm that the other party has indeed named your company as an additional insured with its insurance company. Their word alone is not good enough.

You should demand a copy of the policy that explicitly lists your company as such. You want to see a copy of the policy and not the certificate of insurance, which is not sufficient proof that your company has been added.

Additional insured status is effectively conferred through an additional insured endorsement to the other party’s original insurance policy. An endorsement essentially serves as an amendment to the terms of an insurance policy that is incorporated into the relevant insurance policy.

These amendments can take the form of an endorsement that specifically names a particular additional insured, or a general endorsement that identifies some class of parties as additional insureds.

But, if there is ever a dispute about your company’s status as an additional insured, you will want to have in hand not only the other party’s certificate of insurance, but also a copy of the policy itself and the endorsement that makes your company an additional insured.

Ensuring your status is properly secured

There are a few best practices that you can implement to help make certain your firm’s status as an additional insured has been properly secured:

• At a minimum, always insist on receiving a copy of the relevant additional insured endorsement, as this is the instrument that establishes additional insured status;
• An additional insured endorsement does not, however, state an insurance policy’s terms and conditions. In order to avoid being surprised by unexpected policy terms (such as strict notice requirement or unfavorable notice of cancellation provisions), you should ask for and receive a copy of the entire insurance policy under which you are an additional insured, and be sure to read it; and
• Retain additional insured endorsements and the relevant insurance policies for as long as there is any potential that claims triggering those policies might be made.

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 New York construction industry, contractors face numerous challenges and risks on a daily basis. Ensuring comprehensive insurance coverage is one of the most crucial aspects of protecting their business interests. That’s where BGES Group comes in, offering a unique and invaluable service that sets them apart from the competition. In this writing, we’ll explore why contractors operating in the New York area should consider allowing BGES Group to conduct a free comprehensive review of their insurance coverage and get a second opinion to ensure they’re getting the best value for their money.

**Tailored Coverage for New York Contractors: General and Umbrella Liability Insurance**

BGES Group is well-acquainted with the nuances of the New York construction landscape. With their network of 50 contractor specific insurance companies, they offer contractors access to general and umbrella liability insurance companies specifically tailored to the needs of New York contractors. This specialized focus can result in significant savings, with some contractors enjoying savings of up to 50 percent or more on their insurance premiums.

**Tailored Premium Structures**

The rising costs of materials are a constant concern for contractors. Having liability premiums based solely on gross receipts can exacerbate this financial strain. BGES Group offers insurance policies with premiums calculated based on payroll and subcontracted costs. This tailored approach provides a fairer and more sustainable premium structure, particularly in times of economic volatility.

**Uncovering Exclusions and Restrictions**

One of the most valuable services BGES Group provides is their ability to pinpoint exclusions or restrictions that contractors’ agents might overlook. Often, insurance agents fail to mention or contractors forget critical details that could prove detrimental at the time of a claim. BGES Group’s comprehensive review process brings these potential pitfalls to light, giving contractors the opportunity to address them before they become an issue.

**Forewarned is Forearmed**

Imagine discovering a Labor Law exclusion buried within your insurance policy after a claim has been filed. This scenario is not uncommon, and BGES Group has encountered it several times. By availing their free review, contractors can rest assured that they are fully informed about the content of their policies and can avoid unpleasant surprises during claims.

**Navigating Customized Insurance Forms**

Modern insurance policies often feature customized forms and wordings. Without a clear understanding of these nuances, contractors may face challenges when submitting claims. BGES Group’s specialization in insuring New York contractors allows them to provide clarity and guidance on policy wordings, ensuring that contractors are fully informed about their coverage.

**Specialized Expertise in Contractor Programs**

Many insurance agents are generalists who may not possess the specialized knowledge required to represent the best insurance programs for contractors. BGES Group, on the other hand, has cultivated a network of 50 companies specifically designed to market insurance programs tailored to contractors. This specialization ensures contractors have access to the most advantageous insurance options available.

**Subcontractor Coverage: A Crucial Consideration**

In the complex world of contractors’ insurance, the importance of ensuring that subcontractors carry proper insurance cannot be overstated. BGES Group recognizes the significance of this aspect and can guide contractors in ensuring that subcontractors’ coverage aligns with their needs. Failure to do so could lead to a claim being declined due to the wording of liability policies.

**Adapting to Changes in Workers Compensation**

The landscape of workers’ compensation insurance for contractors is constantly evolving. As carriers withdraw from the market, contractors may find themselves facing coverage gaps. BGES Group is uniquely positioned to offer programs that most agents lack access to, ensuring contractors have coverage even when faced with cancellations due to changes in the market or other reasons.

**Unparalleled Service and Support**

Beyond their expertise and comprehensive insurance offerings, BGES Group prides itself on its exceptional service. When contractors reach out for assistance, they can count on timely and knowledgeable responses. This level of commitment ensures that contractors have the support they need, precisely when they need it.

In conclusion, BGES Group’s services go far beyond typical insurance agency offerings. Their focus on New York contractors and their specialized expertise within the industry make them an invaluable partner for any contractor looking to optimize their insurance coverage and protect their business interests. With the potential for substantial savings, comprehensive coverage, and a deep understanding of the complexities of contractor insurance, BGES Group is the partner contractors can trust to secure their future success.

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

contractor liability

construction insurance

contractor liability insurance – NY

In the bustling business landscapes of New York and New Jersey, entrepreneurs and business owners are constantly looking for ways to optimize their operations and financial gains. One often overlooked avenue for potential savings lies within workers’ compensation policies. The BGES Group offers an exceptional opportunity for these business owners to have their policies reviewed for calculation errors over the past seven years, potentially leading to substantial refunds. Here are the top five reasons why business owners should seriously consider allowing BGES Group to conduct these comprehensive policy reviews:

1. **Expertise and Experience:**

The BGES Group are professionals with extensive expertise in insurance policies, specifically workers’ compensation. With years of experience navigating the intricacies of insurance calculations, regulations, and compliance, BGES Group is well-equipped to identify potential errors that could have led to business owners overpaying for their premiums. Partnering with a specialized group ensures that no stone is left unturned when it comes to policy evaluations.

2. **Minimized Effort, Maximum Returns:**

Business owners have their plates full with various responsibilities, making it challenging to allocate time for intricate policy reviews. BGES Group takes this burden off their shoulders by conducting all or almost all the work involved in the review process. From gathering historical data to analyzing policy documents, BGES Group’s team of experts handles the heavy lifting. This leaves business owners free to focus on what they do best—growing their businesses.

3. **Potential for Substantial Refunds:**

The prospect of recovering funds is an attractive one for any business owner. BGES Group’s track record speaks for itself, with numerous success stories of helping business owners recover substantial amounts based on previously unnoticed errors. Imagine being able to recoup up to $500,000 that may have been erroneously paid out over the years. These funds could be redirected toward expansion, innovation, or simply bolstering the company’s financial health.

4. **Mitigating Future Losses:**

Identifying calculation mistakes within workers’ compensation policies isn’t just about recovering past losses; it’s also about preventing future financial leaks. By collaborating with BGES Group to conduct a comprehensive review, business owners can ensure that their policies are accurate moving forward. This proactive approach safeguards against potential overpayments and minimizes the risk of repeated errors in the future.

5. **Risk-Free Opportunity:**

Perhaps one of the most compelling reasons to consider partnering with BGES Group is the risk-free nature of the opportunity. Business owners have nothing to lose and everything to gain by allowing the experts at BGES Group to review their workers’ compensation policies. If no errors are identified, the business owner is in the same position as before—no harm done. However, if miscalculations are discovered, the potential for significant refunds could be a game-changer for the business’s financial landscape.

Here’s Some Examples of Refunds:

Large kitchen manufacture in NJ $500,000

Elevator company in NY $230,000

Structural steel in NY $150,000

Electrical contractor in NY $190,000

HVAC contractor in NJ $40,000

Plumbing contractor in NY $50,000

General contractor in NJ $300,000

Painter in NY $15,000

Logistics Company in NJ – $20,000

In conclusion, New York and New Jersey business owners are presented with a unique opportunity to optimize their financial well-being by partnering with BGES Group for workers’ compensation policy reviews. With experienced professionals handling the intricate details, the potential for substantial refunds, and the promise of mitigating future losses, the benefits are clear. By taking advantage of this risk-free opportunity, business owners can secure a brighter financial future for their ventures. So, why wait? Allow BGES Group to conduct a comprehensive review of your workers’ compensation policies and unlock the hidden potential for financial recovery. Your business has nothing to lose and everything to gain.

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 premium recovery