Things go wrong on a regular basis on construction projects. That’s why contractor’s liability insurance exists – to protect everyone involved.

The policy holder is assured that an honest mistake or oversight will not destroy a thriving business, and the client and other stakeholders are assured that no matter what foreseeable event might come to pass, there is enough liquidity on the table to compensate them for damages incurred.

Contracts contribute to damages

There is the occasional straight-ahead case, but in most cases, determining a single party to be at fault is extremely difficult. Often, the actions or oversights of multiple parties create the conditions for damage to occur.

Even then, these conditions must sometimes be combined with an act of God to create an actionable claim. In some cases, the drafters of the contract itself can unwittingly push contractors into a corner where they are financially incentivized to make unsound decisions.

For example, in one case, according to construction and business research firm Longwoods.com, a general contractor hired a roofer to put a roof on a building.

The overall arrangement was a design-build contract that provided the general contractor with a bonus schedule based on meeting a series of completion milestones. But the contractor had to forfeit damages if construction ran behind schedule.

Bad weather hampered progress on the roof, and the roofing contractor recommended holding off on work until weather improved.

The general contractor insisted that work move forward. Furthermore, the general contractor was providing many of the roofing materials in the project.

The roofing materials were not fitting together well, however, and while both the general contractor and the subcontractor knew of leak problems, they weren’t able to fix the issue prior to the owner taking delivery. The building occupant later reported that “moisture damage” was in excess of $1 million.

So what happens now?

Well, the general contractor has liability for leak damage, sure. But perhaps something else caused the moisture damage.

What could have caused the damage?

Moisture damage could have been caused simply by the overall humidity and climate in the area. It could also be moisture wicking upward through the concrete from the ground.

The goods the occupant claimed were damaged could have already had damage, or the packaging could already have had significant moisture that then led to the damage.

Furthermore, at first glance, a roofing company should be assigned primary responsibility for its own roofs. Its work on the roof would be a more proximate cause to any faults in the end product, but in reality, there are externalities that mitigate the roofing company’s liability; the general contractor provided the faulty materials and ignored the recommendation of the subcontractor to halt work until weather improved.

The case is still in litigation, but among the lessons learned:

• Document your recommendations to change the method, timetable or scope of work, as well as any other party’s refusal to accept your recommendations.
• Don’t needlessly micromanage the operations of subcontractors if you can avoid it. Had the general contractor left it to the subcontractor to select the roofing materials, the general contractor may be held to a lower degree of culpability. The assumption, of course, is that the subcontractor knows more about roofing than the general contractor.

Don’t roll over too soon

In another case involving accusations of contractor negligence, a California homeowner accused a contractor of leaving her bathroom in an “unsafe condition.”

According to the plaintiff, the contractor’s negligence caused her to trip and fall, and caused her to break her foot and ankle, resulting in the need for multiple surgeries. She sued, claiming total damages of over $700,000.

The contractor didn’t roll over, though, and their counsel and their insurance carrier’s counsel insisted on checking on her background and claims and medical history.

Through this discovery process, the defendants tore the plaintiff’s claims apart. They found that the plaintiff had already experienced a similar injury. They also found that the plaintiff was partially at fault for the slip and fall. The case was settled in mediation for just $37,500.

The moral of the story: Don’t buy everything the plaintiff tells you, and don’t be quick to admit fault before you have spoken with an attorney.

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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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 – 2022 – BGES Group

No employer wants to see an employee hurt on the job. And all certainly want the existing workers compensation system to take good care of workers who are legitimately injured on the job, get them rehabilitated and returned to work quickly. In the meantime, nobody wants injured workers’ families to be driven to bankruptcy. After all, that’s what businesses pay those workers compensation insurance premiums for.

Unfortunately, workers compensation benefits are coming under increasing pressure in many states – and injured workers may face significant unreimbursed damages, even when they are receiving workers compensation benefits.

Here’s why:

States are coming under intense competitive pressure to attract businesses and employers. For many employers, workers compensation premiums are a key factor in where they locate. Some states impose much higher premiums on employers than others – and in turn provide more generous benefits to injured workers. Others, however, have been slashing benefits to workers in order to cut premiums to employers.

As a result, workers in some states are exposed not just to substantial workplace safety hazards in the course of their jobs, but they and their families are more exposed to the financial costs as well.

For example, according to a recent report from ProPublica, Oklahoma recently slashed its maximum workers compensation benefit from $801 per week to $561 per week. This is not adequate to sustain a lifestyle or make workers whole when many skilled blue-collar workers, with overtime and bonuses, are making $1,000 to $2,000 per week and more.

But Oklahoma is not alone: Benefits have been slashed in California, West Virginia, North Dakota, restricting benefits to two years, regardless of the injured workers’ medical condition or whether more medical treatment is needed. Florida, New York and Tennessee have all slashed benefits for certain workers by 20 percent or more.

Under workers compensation, employees cannot sue their employers for damages. They essentially give up the right to sue their employers in exchange for the promise of quick claim settlements. Otherwise injured workers would have to wait years for their lawsuits to be litigated – a crushing burden for the vast majority of working families.

The Solution

The problem isn’t going to go away any time soon. The cost pressures employers face are real, and there will continue to be downward pressure on benefits for the foreseeable future.

Employers can, however, help protect workers and their families efficiently and affordably by ensuring workplace benefits are up to snuff. For example, as workers compensation benefits are eroded, you may consider beefing up your long-term disability insurance benefits. Long-term disability provides an income to replace what an injured worker can’t earn anymore – up to a specific percentage of the workers’ pre-disability income.

Some employers provide this insurance for workers. Others make it available as a voluntary benefit, which costs employers little or nothing out of pocket. Workers can purchase their own coverage, and employers simply deduct the premium and forward it to the carrier.

Insurance bought this way is portable. Any premiums paid by the employer are deductible as employee compensation.

You may not be able to prevent every tragic workplace injury. But by increasing the available disability protection available to employees, you’ll be doing your part to make sure that their family doesn’t face economic devastation on top of the injury.

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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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 – 2022 – BGES Group

Most business owners and executives understand the value of workers compensation insurance not just to protect the worker, but to protect the company as well. Fewer, however, are aware of the mechanics of how premiums are arrived at, and how their own company’s safety track record figures into their rating.  Understanding the process, however, may well enable you to qualify for lower premiums down the road, saving your business money and making you more competitive.

Industry underwriters set workers compensation premiums using a process similar to how most companies price group health insurance: They look at the actual claims experience for similar workers in your area, and if there is a history of claims, at your company specifically. Where there is insufficient local claims experience to look at, underwriters turn to the National Council on Compensation Insurance, a clearing house of workers injury and compensation data.

Generally, underwriters will take your payroll and multiply it by an average claim factor for that type of worker. This produces a baseline average of the total number of expected claims, which they subdivide as claims per $100,000 of payroll, claims per year, or claims per time unit. The frequency of claims is considered to be a close proxy for the safety culture of the individual business. They then account for the average severity of claims for that type of worker in your industry and combine the two to arrive at a baseline prediction for expected losses.

Underwriters must then try to assess your business and answer the following question: Given the policies and procedures in place at your business and your claims history, is your company likely to produce losses that are higher than the industry baseline or lower?

Over time, underwriters have discovered that the most likely future claims predictor is a past history of claims at your company. Therefore, to save money on workers compensation premiums, it behooves the company to invest aggressively in preserving the safety of the work environment, both in terms of resources and management focus.

Your workers compensation agent and underwriting team will assign your company an insurance rating, with 1 deemed equal to the average claims experience in your industry for the area.

Any rating higher than 1 indicates a worse-than-average risk for workers compensation claims. If your rating comes out higher than 1, you may be able to qualify for lower rates in future years by reviewing your safety program and the types of losses your company has incurred. Identify any patterns and recurring themes. You may benefit from bringing in a risk management consultant for an outside set of eyeballs. Some investment in equipment or improved training may be needed, or you may need to be more vigilant for workers compensation fraud in a few cases.

Best Practices

In the long run, your safety record is a reflection of your overall safety culture. That’s not something limited to the rank and file worker and shop foremen, though. The most important link in the safety culture chain is at the top.

• Invest in training your workers in all aspects of safety relevant for their jobs.
• Appoint a senior manager with clout to monitor your safety and OSHA compliance, and empower him or her to enforce it throughout the company.
• Empower any worker to halt work activities if he or she becomes aware of an unsafe work condition, until that condition can be corrected.

Everyone is part of your workplace safety culture – but senior management is the most important link in the chain, because management sets the tone throughout the organization.

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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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 – 2022 – BGES Group

Experience Modification Factor

Workers Compensation Experience Mods

The ISO Commercial General Liability Coverage Form can seem like a map that starts you out on a main road, takes you smack into a dead end, but offers you a right turn that you can take if you meet certain conditions. It begins with a broad promise and a hint that the promise isn’t quite that broad, then continues with a list of items that narrow that promise. However, some of those items contain a few words that actually make the promise a bit broader again. Somewhere in that twisting road lies the answer to whether the insurance will cover your business’s legal liability for an accident.

The form actually has three coverages, but the one most business owners are concerned with is Coverage A, Bodily Injury and Property Damage. The first part of Coverage A is the Insuring Agreement, which states that the insurance company will cover the insured person or organization’s legal liability for bodily injury or property damage to others. A key phrase, however, is that the company will pay amounts for occurrences “to which this insurance applies.” How do you know when the insurance applies? That’s where the list comes in.

Right after the Insuring Agreement comes a section labeled Exclusions. This section begins with the sentence, “This insurance does not apply to:…” and goes on to list 17 categories of occurrences. The insurance does not apply to any occurrences that fall within the meanings of those categories. The categories include things like pollution; injuries to the insured’s employees; ownership and use of motor vehicles, aircraft and watercraft; causing or contributing to a person’s intoxication; damage to property the insured owns or possesses; and loss of electronic data. While these items narrow the insurance coverage considerably, some of them contain clauses that add a little coverage back in. For example, while the insurance does not apply to property damage arising from a contractor’s completed work, the exclusion gives back coverage if the property damage arose from work a subcontractor performed on the contractor’s behalf.

In a claim situation, different burdens of proof apply to either the insurance company or the insured organization, depending on what each one is claiming. The insured has the burden of proving that an accident falls within the Insuring Agreement. To do this, the insured must show that an “occurrence” that took place during the policy term caused bodily injury or property damage to someone else. If the insured cannot prove any one of these elements, the policy will not cover the loss. The policy defines “occurrence” as “an accident, including continuous or repeated exposure to substantially the same general harmful conditions.” Therefore, the insured must prove that an accident (a piece of lumber falls and strikes another contractor’s employee on the back) occurred during the policy term and caused bodily injury or property damage.

Once the insured meets that burden, the insurance company now has the burden of proving that one of the exclusions applies. For example, it must prove that damage to an HVAC system the insured installed arose out of some defect in the system. If it cannot, then the insurance applies to the loss and the company must pay for the damage. If it can, then the burden shifts back to the insured to show that an exception to the exclusion applies. If the insured can show that a subcontractor installed the defective components that malfunctioned and damaged the HVAC system, then the exception to the exclusion applies and the insurance company must pay the claim.

Contractors should work with insurance agents who are knowledgeable about the CGL policy and can answer complex coverage questions. This policy can provide millions of dollars in protection for a business, so it is important for the business owner to understand it.

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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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 – 2022 – BGES Group

Acme Construction, a home building company, constructed 20 homes in 2003. It hired subcontractors to perform the concrete work, plumbing, wiring, and roofing. One year later, it received complaints from two of the homeowners about cracks in their foundations. Acme notified its liability insurance company. When the homeowners eventually sued Acme, the insurance company provided legal defense and set up reserves to pay for any resulting settlements.

Fast forward to 2005 when Acme built 35 homes to meet the demands of an active housing market. Other than the subcontractor who did the concrete work in 2003, Acme hired the same group of subs to work on these homes. When snow started melting after the winter of 2007, complaints started to come in about leaking roofs. Eventually, seven homeowners determined that they had to completely replace their roofs, and sued Acme for the faulty work. Acme again notified its insurance company. This time, however, the company denied the claims, saying that the insurance policy did not cover them. Acme had to pay for its own legal defense and liabilities.

What changed between 2005 and 2007? The insurance company added to the policy an endorsement that created a significant coverage gap: ISO form number CG 22 94 10 01, Exclusion-Damage To Work Performed By Subcontractors On Your Behalf.

This endorsement modifies an important exclusion contained in the ISO Commercial General Liability Coverage Form. Without this endorsement, the exclusion states that the insurance does not apply to damage to the insured’s work if the damage arises out of it or any part of it and if the damage occurs after the insured has finished the work. However, the provision gives coverage back if the damage arose out of work performed by a subcontractor working on the insured’s behalf. In the 2005 incident, Acme had hired a subcontractor to build the foundations for the new homes. Because the subcontractor had done the faulty work, Acme’s CGL policy covered the resulting defense costs and liability.

Endorsement CG 22 94 strips that coverage give-back from the policy. With it attached, the policy does not cover liability for damage to the insured’s work and arising out of it, even if another contractor actually performed the work. Accordingly, Acme’s policy did not cover its liability for the defective roofs. Without the attachment of this endorsement, Acme would have had coverage.

An insurance company might add this endorsement to a policy in the belief that faulty construction is a business risk, not an insurable one. Accidents such as slips and falls, unintentional fires, and injuries suffered while using a product are all examples of insurable risks. Performing work improperly, mismanaging cash flow, and making poor strategic business decisions are examples of business risks. Insurance companies feel they cannot insure business risks because to do so would remove an incentive to reduce those risks. If a carpenter knows he can collect insurance if he does a sloppy job building a house, he has less of an incentive to build it well. When a company attaches CG 22 94 to a policy, it is transferring the risk of a subcontractor’s poor performance back to the insured.

Almost all contractors subcontract at least some of their work, so this is an issue to take seriously. All contractors should review their liability insurance with their insurance agents to determine whether they have this endorsement. Since it can present a very significant coverage gap, they should discuss alternatives such as negotiating with the company to remove it or seeking another company that is willing to leave it off. Even if it means paying an additional premium, removing the endorsement may save a lot of expense in the long run.

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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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 – 2022 – BGES Group

Contractors Liability Insurance – New York

Many New York Contractors pay up to 40% of receipts for their Commercial General and Umbrella Liability Policies!

Many knowingly or unknowingly go without “Labor Law” coverage because it cuts their liability premium by up to 65%!

Larger contractors carry “Labor Law” coverage because if they don’t they won’t be able to bid on certain jobs and their client’s will stop doing business with them.

When you throw in Property, Inland Marine, Bonds, Business Auto, Worker’s Compensation, Professional Liability, Pollution Liability and Group Health coverages, contractors may pay over 50% of receipts to insurance companies!

So what can YOU do to pay less?

The first step is to get organized.   It is shocking how many contractors do not have a file with all their past liability policies.  We would say 75%+ of contractors can’t find past policies!

Use subcontractors?  If so, maintain updated certificates of insurance for each one?  Do you have signed “Hold Harmless and Insurance Agreements” for each subcontractor?  Are these documents current?  If we asked, can you provide this information to us, could you?

Do you obtain loss runs at least once a year?  Do you know what claims appear on them?  It’s shocking how many contractors are clueless about their claims or the reserves until they receive notice their company is non-renewing them.

Here’s information that can get us disliked by the insurance industry.  Most brokers and agency customer service representatives DO NOT know what they’re doing!  They will sell you policies with horrific exclusions.  All they care about is getting your account and making a commission.  The problem is when a claim strikes, it is YOU who gets stuck with the bill!   No legal defense, no coverage!  How would you like to be sued for $2 million dollars and your company denies coverage?

So How Can YOU Get Better Coverage and Lower Rates

1. You need to be organized. Set up folders within your computer and store ALL your insurance policies in them.
2. Set up another folder in your computer and store all your subcontractor’s certificates of insurance. Set up a follow up system so you maintain updated certificates for as long as you work with them.
3. Obtain loss runs on policies 90 days before they expire. Make sure to review and question amounts and reserves if they don’t make sense. Really mid year would be good for a review.  This way if there are mistakes you have time to get them off before insurance company coverage review starts.
4. It is VERY important to work with and insurance agency that specializes at insuring contractors.  We would like to recommend ourselves BGES Group because:
   1. We have 42+ years experience insuring New York contractors.  Note we can help New Jersey and Connecticut contractors too.
   2. We represent the TOP New York Construction Insurance Programs.  Our carrier network exceeds 60.  We have marketing muscle and can negotiate excellent pricing for YOU!
   3. We represent programs other agencies DO NOT have especially for New York City contractors.
   4. We have a program that can keep track of and screen subcontractors insurance for you.
   5. Every year we review your account. If we know of another program where you fit, we send your account to them for a quote.
   6. We can help you review client insurance agreements so you’re in compliance.
   7. We have our own unique “Bonding Agency.”
   8. We have a “Group Health Insurance” expert who really knows the industry and can help you with all sorts of health insurance issues.
   9. We are available by phone from 6:30am till 10PM. No more playing phone tag.  No more waiting for call backs.  No more dealing with people who don’t know what they’re talking about.  Immediate replies to your emails.  We provide “Very Important Person” service to EVERYONE because that’s who we are!  We are old school and our word is our bond.

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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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 – 2022 – BGES Group

How experienced are your Agency’s Customer Service Representatives (CSR’s)?  Do you feel they know what they’re doing or is a red flag going off in your head signaling something is wrong?

Is their a constant turnover of CSR’s?  Do you have different people servicing your account every few months or years?

When you call are you speaking to a telephone system?

Are you constantly leaving messages?  Does anyone ever answer their phone?  Are people always away from their desks?

How long does it take to get a call back?

Once your policy is issued do you ever hear from anyone?  Does your agency ever make coverage recommendations?

Does your Agency renew your policy year in, year out with the same insurance company?

Do they regularly market your account to make sure you’re getting the best coverage at a good price?

How long does it take to get certificates?  Hours?  Days?   Does your agency charge you for certificates?

Does your agency charge separate policy fees of $500, $1,000, $2,500+?  Does your Worker’s Compensation Agent charge up to a 10% service fee? By the way, agencies get paid insurance companies to sell their policies.

Here’s What You Get Working With Our Office:

• You’ll be dealing with one person who has 42+ years experience.
• This person operates like a doctor who makes house calls. A milkman that makes home deliveries. The old school barber who knew everything important about your life and cared.
• You’ll no longer have your insurance needs serviced by a large, factory like, robotic, impersonal insurance agency.  You’ll have your insurance needs serviced by a small “Hollywood Rodeo Drive” boutique agency who offers VIP personal service 7 days a week.
• Our agency represents THE BEST Construction Insurance Programs for New York contractors.
• Your call will be answered in 3 rings or less.
• Your emails will be answered within 5 minutes
• Certificates will be issued within timely.

Here is What Customers Think About Us:

In the middle of the busy season we received a letter from our old carrier that they no longer service NY, only NJ. We had only 60 days to find a new company. We got in touch with Gary who is very knowledgeable, friendly and experienced, assured us that he will take care of our insurance and he did.  It has been now more than 5 years without an issue.  Glad we found them and looking forward continuing working with Gary and the group.

We have used BGES Group for our insurances for over 20 years and had an amazing relationship with Gary Wallach. Gary is always looking for the lowest cost insurance, the highest quality, and his speed at providing certificates cannot be matched by anyone.

I’ve known Garry Wallach for many years and he’s always been very Professional each time we’ve worked together. He’s always willing to take that extra step to help me resolve any of the insurance issue’s that …More

Gary from BGES Group is by far the most responsive insurance broker i have ever met. He does an outstanding job with advising our small plumbing company on all the ins and outs of big insurance companies and he personally handles getting …More 

I’ve worked with Gary for a few years now for workers comp and I would recommend him to anyone needing a new agent. He is very easy to speak to, responsive and always provided great advice and customer service.

I have been working with Gary for over 10 years and find him to be one of the most professional, responsive, knowledgeable and hard working people in the business. You are making a mistake if you do not give BGES a shot at your business. You will not be disappointed!

Gary and his team are phenomenal, they care about every single client as if they would be the only client!

Gary Wallach is the best insurance broker out there. He has been in the business his entire life. I trust Gary completely. He is reliable knowledgeable courteous and responsive to any questions I have. I get my certificates of insurance within minutes after requesting them. Go with Gary and you will see how your business improves.

Gary was a tremendous help in provide information and explaining the details of the worker’s compensation and insurance options for my construction business. Gary is very knowledgeable, I highly recommend BGES Group Insurance. Give Gary a call, I’m confident he will take good care of you 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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

Copyright © 2022

We are Workers Compensation Specialists (brokers) who represent 20+ companies and offer Stand-a-Lone Policies, Payroll/WC plans, Professional Employer Organizations (PEO) and State and Assigned Risk Plans.

We eliminate all the hassle associated with finding better rates, coverage, service and are encyclopedias of knowledge whenever there is a problem.

Have The Following Issues…Let Us Help You Solve Them:
* Coverage lapse
* In the middle of an audit dispute and being told pay or be cancelled
* Poor loss experience causing rates to skyrocket
* High Experience Mod causing loss of business
* Company misclassifying payrolls
* Have to wait hours or days for certificates of insurance
* Work in multiple states but your state or assigned risk plan does not cover you
* Pay a fixed monthly installment but would like to pay a lower monthly premium when payrolls are lower
* Your broker charges up to a 10% service fee or up to a $2,500 policy fee but does nothing
* When you call you can’t get someone on the phone
* You would like to not have to pay a renewal deposit every year
* Use a payroll service that provides your Worker’s Compensation but their fees are high
* Whatever your problem we can help

Workers Compensation Premium Recovery:
Get up to $500,000 back from your past Worker’s Compensation companies!  It costs NOTHING upfront!  We work on a contingency fee basis and get p aid ONLY if you get money back!  The odds are in your favor!  This is 100% legal!  There are NO gimmicks!

At no up front cost to you where we do all the work, let us review your past Worker’s Compensation policies and if we find mistakes get you refunds!

Examples of Refunds:
NJ Kitchen Manufacturer $500,000
NY Elevator Contractor $230,000
NY Structural Steel Contractor $150,000
NY Electrical Contractor $190,000
NJ HVAC Contractor $40,000
NJ General Contractor $300,000
NY Painting Contractor $15,000

For help call Gary Wallach at 914-806-5853 or email: bgesgroup@gmail.com

http://www.bgesgroup.com

Many New York, New Jersey and Connecticut employers are overpaying their workers compensation insurance premiums due to incorrectly used classifications, payroll audits, calculated experience ratings, misapplied discounts, and errors in experience rating modification factors, often without fault of the insurance carrier or the insurance broker. If there were errors, the businesses are then entitled to and will receive a refund, but only if the errors are identified and the recovery is applied for.

At BGES Group we go back 7 years looking for mistakes and if we find them, get you YOUR money back!

Best part, USUALLY WE DO ALL THE WORK (we try not to bother you for anything)!

We DO NOT charge any up front fees (we work on a contingency fee basis)!

We ONLY get paid if YOU get paid so we work very hard to get you a refund!

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

Testimonials

Through your persistence and hard work you secured a refund on our policies that totaled over $150,000! The Workers Compensation manual rules are extremely complex. It is through your expertise and extensive knowledge of the rules, that we were able to recoup monies that were rightfully ours. As promised, your highly professional staff did most of the work and we reaped the benefits. This is a service that every business should sign up for.

I just wanted to take a moment to thank you and your staff on a job well done. You helped us get a significant refund of over $70,000 back from the State Insurance Fund. This refund would have fallen through the cracks if not for your involvement. The way your firm handled the matter, was in my opinion extremely professsional. You are obviously experts at what you do. I am very pleased with your company and would gladly recommend your services.

Thank you to you and your staff on a job well done! The process was simple, it did not require anything more than 3 documents signed on my behalf. The results were incredible! We received $34,355 in overpaid premiums, monies that would have never come back to us otherwise.

For help call Gary Wallach at 914-806-5853 or email: bgesgroup@gmail.com

Let’s start by saying whatever your issues are, we can help solve them!  We are one of tri-state’s “Workers Compensation Specialists” and can get the job done when others can’t!

About What We Can Offer You:

Our rates can be up to 30% lower than most other companies!

When you call you’ll get someone on the phone in less than 3 seconds?

We can cover YOU while operating in multiple states like New Jersey and Connecticut!  Please note most state and assigned risk plans pay only according to their state’s statutory workers compensation benefit laws.  This can leave you exposed to a large, uncovered, financial exposure.

Would you like to get away from invasive, annual audits?  Where the auditor can be in and out in 15 minutes?   If an audit is not required by state law, we have companies that won’t ask to do one every year.

Would you like to not have to worry about owing money at the end of your policy year?

Would you like payments lower when business is slow?

Would you like to get away from renewal deposits of up to 25%?

Would you like to get away from paying up to 10% service fees or $500, $1,000, $2,500+ policy fees? 

Want to be able to issue your own certificates on-line?  Takes less than 30 seconds with our system to do so!

Looking for a payroll/workers compensation program?  We have one that’s been around for 20+ years and offers low rates, background checks, tax filings, direct deposit and first class services.

Would you like to be able to issue certificates of insurance on-line anytime of the day?

Would you like to be able to speak to knowledgeable, experienced people who can resolve problems for you?  With our organization you get to deal with a true expert!

Here is what customers have to say about us:

In the middle of the busy season we received a letter from our old carrier that they no longer service NY, only NJ. We had only 60 days to find a new company. We got in touch with Gary who is very knowledgeable, friendly and experienced, assured us that he will take care of our insurance and he did.  It has been now more than 5 years without an issue.  Glad we found them and looking forward continuing working with Gary and the group.

We have used BGES Group for our insurances for over 20 years and had an amazing relationship with Gary Wallach. Gary is always looking for the lowest cost insurance, the highest quality, and his speed at providing certificates cannot be matched by anyone.

I’ve known Garry Wallach for many years and he’s always been very Professional each time we’ve worked together. He’s always willing to take that extra step to help me resolve any of the insurance issue’s that …More

Gary from BGES Group is by far the most responsive insurance broker i have ever met. He does an outstanding job with advising our small plumbing company on all the ins and outs of big insurance companies and he personally handles getting …More 

I’ve worked with Gary for a few years now for workers comp and I would recommend him to anyone needing a new agent. He is very easy to speak to, responsive and always provided great advice and customer service.

I have been working with Gary for over 10 years and find him to be one of the most professional, responsive, knowledgeable and hard working people in the business. You are making a mistake if you do not give BGES a shot at your business. You will not be disappointed!

Gary and his team are phenomenal, they care about every single client as if they would be the only client!

Gary Wallach is the best insurance broker out there. He has been in the business his entire life. I trust Gary completely. He is reliable knowledgeable courteous and responsive to any questions I have. I get my certificates of insurance within minutes after requesting them. Go with Gary and you will see how your business improves.

Gary was a tremendous help in provide information and explaining the details of the worker’s compensation and insurance options for my construction business. Gary is very knowledgeable, I highly recommend BGES Group Insurance. Give Gary a call, I’m confident he will take good care of you insurance needs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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 © – 2022