COVID-19 Drives Surge in Employment Practices Claims

New:

1. Have high value property located along the shore line or on islands like Fire Island, Block Island, Long Beach Island, etc?  We have a property/liability/flood program that can give you the coverage needed.  Call 914-806-5853 for help today!

2. Check out our new Construction News website which will tell you what’s going on in the construction industry throughout the country.  Click here.

Article:

Employers are being hit with a wave of COVID-19-related employment lawsuits, which is starting to have an effect on employment practices liability insurance (EPLI) rates and coverages.

A tally by the law firm of Fisher Phillips found that as of August 2021 there had been 2,950 COVID-19-related employment lawsuits filed in the U.S. Most of the complaints concern remote work arrangements, workplace safety and discrimination.

Lawyers predict a new wave building as employers get pushback from some employees about their vaccine policies and continuing safety measures.

The most common COVID-19-related complaints are:

• Remote work and leave issues (28% of total)
• Employment discrimination (26%)
• Retaliation/whistleblower (24%)
• Wage and hour (7%)
• Unsafe workplace (3%)
• Wrongful discharge (3%)
• Negligence/wrongful death (3%)

Fisher Phillips in a recent blog post warned that a few signs point to a continued surge in litigation:

No summer case slowdown — Usually there is a slowdown in new employment litigation during the summer months, according to Jay Glunt, a Fisher Phillips partner. “But the fact that we didn’t see much of a lull in employment-related COVID litigation – and in fact saw an uptick — sends a clear signal that we could be in for a rough couple of months ahead.”

In fact, the number of COVID-19 workplace lawsuits jumped 61% during June through August 2021 to 715 cases, compared to 444 such lawsuits filed in the same period of 2020, according to the law firm.

During the first eight months of 2021, there was an average of 253 new COVID-19-related employment claims filed per month, up 59% from the average 159 new lawsuits filed in the final eight months of 2020.

Furthermore, according to Fisher Phillips COVID-19 Tracker, the busiest litigation months follow periods when coronavirus cases have been surging, such as in January to March 2021, when 826 cases were filed (an average of 275 a month).

Vaccine mandates — Employment lawyers also predict that as more employers devise ways to get their staff vaccinated, many will get pushback from workers. Some employees may just quit and find work with a company with a more relaxed approach, but others may seek out legal counsel and sue their employers.

This is the biggest concern for businesses who are requiring that all their staff be vaccinated at risk of losing their jobs. While there seems to be cover for such employers from the Equal Opportunity Employment Commission, that is unlikely to deter some people from mounting claims anyway.

Even if an employer manages to win the case or settle, that usually won’t happen until tens of thousands of dollars have been spent on legal fees and discovery.

To date, vaccination-related employment practices claims account for less than 5% of COVID-19 suits, but that is expected to rise as mandates and other “sticks” become more commonplace.

The backstop

In light of this growing exposure, employers would be wise to consider purchasing an EPLI policy. These policies are triggered for employment-related claims, which include COVID-19-related claims and cover legal defense costs, settlements and compensation awards.

However, many insurers have increased their rates as well as the deductibles that policyholders have to bear. Some are also capping policy limits. Rate hikes have been averaging more than 10% on EPLI policies as litigation has skyrocketed during the pandemic.

If you have an EPLI policy, it can be tapped if you are sued, but policies won’t cover all types of claims, including the following:

• A returning employee alleges he or she contracted COVID-19 at the office as a result of the employer’s inadequate safety policies and practices. Many EPLI policies exclude losses resulting from OSHA violations and for workers’ compensation claims.
• An employee alleges that an employer had failed to provide legally required protective equipment, resulting in enhanced risk of exposure to COVID-19. Many EPLI policy forms exclude coverage for costs incurred to comply with injunctions and equitable relief, such as claims demanding accommodations for disabled persons under the Americans with Disabilities Act or to repair unsafe workplace conditions.

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 – 2021 – BGES Group

FEMA Recovery Centers Open in Westchester

Major Disaster Declared – Federal Aid Available for Residents & Small Businesses

Today, we are sharing news received from Westchester Legislators …

Westchester residents who suffered property damage from the remnants of Hurricane Ida may be eligible for assistance from the Federal Emergency Management Agency, following President Joe Biden’s Major Disaster Declaration for our area on Monday.

FEMA and New York State have been on the ground evaluating damages for about 3 days.

FEMA will be able to offer financial assistance to residents through ‘individual assistance’ programs.

Please make sure you are carefully documenting all damage in writing and with photographs, receipts and other documentation.

FEMA will set up Disaster Recovery Centers (DRCs) where people can file claims for assistance in communities which are particularly damaged. The County is working with FEMA to organize DRCs throughout the county as well as mobile DRCs where residents can file online or remotely.

Those eligible for assistance are impacted residents with eligible disaster related losses.

• Damage must have occurred during the incident period of the declaration and be a direct result of the incident.
• Eligible losses include non-insured damage/loss to primary residence, damage/loss to eligible personal property.

For more information, and to view the FEMA individual assistance application and required application information please visit https://www.disasterassistance.gov/.

If you need further information or assistance, you may also call the FEMA Helpline at 1-800-621-3362. This number is also for users of 711 or Video Relay Service (VRS). TTY users can call 1-800-462-7585. Helpline services are available 7 days a week from 7 a.m. to 1 a.m. ET.

Small businesses recovering from Ida damage may also qualify for disaster loan assistance from the Small Business Administration.  For information please visit https://disasterloanassistance.sba.gov/ela/s/ or call 1-800-659-2955 (TTY/TDD: 1-800-877-8339)

Residents who need housing assistance should reach out to the County Department of Social Services.  If you have a housing emergency you may call 914-995-2099.

More information about aid is also available from Governor Kathy Hochul’s office.  Please visit https://www.governor.ny.gov/programs/governors-relief-and-response-resources to learn more.

As we get additional information, we will let you know.

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 – 2021 – BGES Group

Businesses and Insurers Are Fighting Over Coverage for COVID-Caused Shutdowns

New:

1. Have high value property located along the shore line or on islands like Fire Island, Block Island, Long Beach Island, etc?  We have a property/liability/flood program that can give you the coverage needed.  Call 914-806-5853 for help today!

2. Check out our new Construction News website which will tell you what’s going on in the construction industry throughout the country.  Click here.

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 – 2021 – BGES Group

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 – 2021 – BGES Group

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 – 2021 – BGES Group

While the U.S. has escaped a major terrorist attack for a few years now, the threat is always present as there are many organizations and lone wolves that would like to do harm to people and property.

Besides the risk of loss of life and injuries, an act of terrorism can sink a small or mid-sized business. That’s because the standard business property insurance policy typically excludes coverage for terrorism.

There are usually two categories of effects from terrorism on enterprises:

• Businesses that suffer direct damage to their property and assets from a terrorist attack.
• Businesses that suffer indirect damage, such as business interruption as a result of being forced to shut down due to their proximity to an attack or an attack affects part of a supply chain the business relies on.

Meanwhile, payouts are also dependent up on how the government classifies an attack. Businesses with terrorism coverage have to wait for the U.S. Treasury Department defining an attack as either terrorism, civil disturbance or political violence.

All of these can cause businesses to shut down. One-third of insured losses resulting from the September 11 attacks in 2001 were from business interruption, more than any other coverage.

Terrorism insurance

Fortunately, the cost of terrorism coverage is relatively low compared to other lines of insurance.

Companies with a total insured value of less than $100 million paid a median of $62 per million in coverage in 2018, according to the “2019 Terrorism Risk Insurance Report” by risk-management research company Marsh. Prices differ depending on the industry and location, with construction paying some of the highest rates.

Some issues to consider:

• Is terrorism coverage worth it for your business? It’s up to you to decide if it’s worth it. There is a wide range of factors that you’ll use to determine whether this coverage is wise. First, consider your location. If you’re in a small town, then your need for this coverage is likely much lower than a company located in New York City.If you are concerned, you can start by analyzing your current insurance coverage and determine if you are protected in the event of a terrorist attack. Many businesses don’t know they have gaps in their coverage for terrorism.

• Consider the cost. Cost is another issue, though it will be tied to your location. In a small town you might pay as little as $25 for an entire year’s worth of coverage, but in larger metropolitan areas the rates are typically higher, although not by much.
• What’s covered by terrorism coverage? A commercial terrorism policy covers damaged or destroyed property — including buildings, equipment, furnishings and inventory. It may also cover losses associated with the interruption of your business. Terrorism insurance may also cover liability claims against your business associated with a terrorist attack.

The takeaway

As with any type of coverage, the key to deciding if you need to add terrorism insurance comes down to a simple risk assessment. What do you stand to gain if you have the coverage and you need it, and what you stand to lose if you need it and don’t have it?

You can start by reviewing your exposures with us to determine the best way to handle this issue. We can help you make a decision that’s right for your company.

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 – 2021 – BGES Group

Over the past years we’ve had hundreds of New York (We can help contractors who work in the tri-state area) contractors turn to us for help getting new Worker’s Compensation insurance because they were being cancelled for whatever reason.

The #1 cause for cancellation was poor loss experience. They had a few rotten apple employees that filed phony comp claims and drove their employer loss runs into the hundreds of thousands, millions in losses.  Not only did it impact their workers compensation coverage but it also had a devastating affect on their general liability (New York Labor Law claims).

We had a restoration contractor with great ownership have in excess of 1.4 million in claims. Three to four claims were B.S. All with lawyers.  Please note we go them coverage and at a better rate. 

We had another demolition contractor with 650,000 in claims. This contractor hired a private investigator who would investigate each claim hours after it happened.  One employee who was claiming he had back problems and loss of hearing had no issues when the private eye sent a woman to flirt with him on the street. He could hear perfectly and walk fine too.  Please note we go them coverage and at a better rate.

The next reason is they were having audit issues with their company who created “phantom income” because their sales/payroll ratio was out of whack. Some had their payrolls moved to higher rated class codes. Some got charged for uninsured subs that had insurance. Fighting their company was like fighting “City Hall” and their company was sticking them for tens, hundreds of thousands of dollars when actually they were owed money.

We actually sat in on an audit with this company, had our client describe in detail what they did and their head auditor could care less, was an a__hole and charged them a $50+ rate. In the end we got help from the NYCIRB (who this company had to listen to) and the rate ended up being $13+.

Finally contractors are being non-renewed because they no longer fit their company’s underwriting guidelines. They sub out too much work. They operate at heights in excess of 2 stories.

Let us now introduce ourselves. Our company is called BGES Group and we specialize at getting contractors Worker’s Compensation insurance. Our owner has been working in the insurance industry since 1981 and can get the job done when others can’t! He is a walking encyclopedia of coverage and “street smart” too. He’s old school and he’s available to help Monday thru Sunday anytime you call. By the way when you call he answers his phone and doesn’t charge ridiculous service fees or policy fees. If you do a “Google Review” you will see that 51 people rave about him. Most important he is extremely trustworthy and interesting to talk to.

BGES Group represents all the best construction Worker’s Compensation programs including stand-a-lone workers compensation policies, payroll/wc policies, Professional Employer Organization (PEO) policies, state and assigned risk policies and we have a few other tricks in our bag to get you coverage when others can’t.

Take a minute now to watch our video. It will explain how we can help you and all the issues we can help solve for you.

We ask if you have a problem that you pick up the phone and call us right now. Doesn’t matter what time of the day or what day. We are here to help and WILL help…all it takes is for you to call. 914-806-5853.

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 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 – 2021 – BGES Group

Are you a New York contractor who is sick and tired of paying through the nose for your contractor insurance?  Looking for some how, some way of paying less but getting the right coverage?  Do you feel your insurance broker is competent, his agency represents the right programs, ever hear from him?

Well that is about to change.  But before we show you how we want to discuss issues within our industry that you never hear about.  It’s our dirty little secrets.

Starting in 2001, we watched insurance company’s raise your rates 25% to 100% or more annually.  One account we worked on had their General Liability premium go from $79,000 to $400,000.  It was an insane!

More recently though we’ve seen companies raise rates 5% to 10%+ annually.  This seems to be the trend.  Where do they expect YOU to keep getting the money to pay?  Think the corporate executives care?  What they do care about is their bottom line, keeping their jobs and getting bonuses.

Are you dealing direct with an insurance company?  They offer you the promise of saving money but do you really think they want to save you money long-term?  They sucker you in with low prices and then raise your rates year in, year out.  These companies are public companies, run by “White Shirts” and are about increasing their bottom lines so their stock prices go up.  Their people are not the best trained (if they were why would they be working for an insurance company) and if you think they got you covered the truth is they got themselves covered.

Now switching over to the insurance agency side, here’s something to know.  There are agencies that handle hundreds, thousands of accounts.  Their customer service personnel are nice but overwhelmed with work and can’t think straight.  They never look at your account unless you call.  Never make coverage recommendations.  Rarely shop your account.   They are so inundated by daily problems, phone calls, paper work, renewals, you’ll be lucky to hear from them once a year.

How long does it take to get needed certificates, hours, days?  Ever see your broker?  Ever go through a “What You Need in Coverage List?”  Can you get someone on the phone when needed or are people away from their desk, in meetings, out to lunch, on vacation?  Are you constantly leaving messages and playing phone tag?

More agencies than you think have “Customer Service Representatives” (CSR’s) that are very inexperienced.  They lack knowledge of construction insurance, your account and identifying potential loss exposures. Some have poor people skills and bad attitudes.  Truth is these people are “Dangerous to Your Wealth” and you are relying on them for the right advice.

Some of you deal with very large agencies that keep growing through acquisition.  Their interest is in volume and bottom line.   They are constantly reorganizing so you never know who is servicing your account.  It’s hard to form close working relationships.   Ask yourself how one person can be on top of your needs if they are servicing 150-200+ sizeable accounts?  They can’t, we know they can’t and you can end up with uncovered exposures which if there’s a claim can knock you out of business!

Now that we bashed are own industry we would like to tell you about where to turn.

1. How would you like to receive “First Class Service” at rock bottom pricing?
2. To deal with a 40 year insurance veteran who is an encyclopedia of knowledge?
3. A person who is one heck of a “Street Fighter?”
4. Like your account checked regularly and shopped to make sure you’re getting the right coverage at competitive rates?
5. How would you like to deal with a person who doesn’t charge ridiculous service fees (or any service fees) and is frugal when it comes to spending YOUR money?
6. Like to pick up the phone day or evening and speak to the same person without playing phone tag?
7. How would you like to feel confident and trust the person you’re dealing with?

We are old school.  When we grew up there were milkmen, doctors making house calls, butchers, bakers, you had personal relationships and they knew your name and cared about you.

Now you can get this back!  You can get that kind of service.  You no longer have to be one in three thousand accounts and have inexperienced, paper pushing, brain exhausted people caring for your insurance needs.

Want a whole different experience?  What no longer exists in our industry except though and handful of agencies?  Want out of a factory and have back the doctor that makes house calls and has YOUR best interests at heart always and forever?

Call or text Gary Wallach at 914-806-5853 or email info@bgesgroup.com and get it back TODAY!

P.S. By the way we have “51 Five Star Google Reviews” and all of them rave about our service.  Try us you’ll love us!

Coverages Offered:

1. Property
2. Inland Marine
3. General Liability
4. Umbrella Liability
5. Business Auto
6. Bonds
7. Workers Compensation – Not only do we have special programs for contractors but we can insure any industry for Workers Compensation.
8. N.Y.S. Disability
9. Group Health
10. Personal Insurance

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 – 2021 – BGES Group

New:

1. Have high value property located along the shore line or on islands like Fire Island, Block Island, Long Beach Island, etc?  We have a property/liability/flood program that can give you the coverage needed.  Call 914-806-5853 for help today!

2. Check out our new Construction News website which will tell you what’s going on in the construction industry throughout the country.  Click here.

Here Are Issues We Can Help You With:

1. Your Worker’s Compensation policy is being cancelled or non-renewed due to poor loss experience.
2. Your rates are exorbitant due to poor loss experience.
3. You deal with robot like people who can’t think out of the box.
4. You’re with a company who uses a composite rate for taxes and payroll service fees and you have no idea what you are really paying.
5. You have a high experience modification which is causing you trouble getting jobs and coverage.
6. You are with a Professional Employer Program (PEO) and can’t get needed reports, payrolls are not delivered on time, you have to wait 10 – 30+ minutes before you get someone on the phone.  You have no one representative to deal with.
7. Audits are such a hassle to do with company.  Feels like you are going through an interrogation.
8. You are in a state or assigned risk program yet you work in multiple states.  BUYER BEWARE!  You can be exposed to a large uncovered loss.
9. You have to wait hours, days for certificates of insurance.
10. Your insurance broker is never around when you need them.  They never answer their phone.  Are always away from their desk, in a meeting, out to lunch, takes days to hear back from them.
11. The Insurance agency you deal with has limited choices.  The customer service representatives are inexperienced and usually can’t think out of the box.

Here’s what we can offer you:

1. You will deal with one person who has 40 years experience.
2. This person is a great problem solver and can think out of the box.
3. This person is an encyclopedia of knowledge.
4. This person knows the ins and outs of the system.
5. They have connections and can get the job done for you.
6. They are street fighters yet know how to talk to people.
7. They will always be there when you have an issue.
8. You can trust this person because he always does what he says he’s going to do.

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 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

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