Insurers are increasingly using social media to track down workers who are perpetrating workers’ comp and other liability fraud by faking injuries or staying on the dole after they have healed. 

Investigators are increasingly making use of Facebook, Instagram, LinkedIn and other online social media sites to nab claimants who are fraudulently trying to collect payments. But while social media can be a goldmine of information on claimants, investigators have to act ethically and should do so quickly, experts say. 

If an injured worker posts pics of themselves being active on Facebook, it gives investigators quick, actionable evidence for their probes. But that’s only if the images are shared publicly and not just with their friends. 

Workers claiming disability payments gift investigators evidence when they post photos of themselves being fit and active on Facebook, for example, but only if the images are shared publicly, experts say.

While insurers are doing their part, employers are also getting in on the action. According to a report in the trade publication Business Insurance, one large grocery chain conducts social media research for auto and general liability claims and other employers research the social media profiles of all injured workers who have workers’ comp lost-time claims.

Many firms have started using social media investigation software that can quickly help them find an individual’s address, phone number and their relatives or associates by indexing sites such as Facebook, Twitter, Instagram and YouTube.

And while many people share their personal information and posts with friends, some post everything publicly. But, by researching the profiles of a claimant’s family and friends, investigators usually can find pictures and other information that has been publicly shared about the claimant on other people’s pages.

While this takes some time, they can usually find recent pictures or videos of anyone using this method, investigators say. 

Investigators are also using something called “geofencing.” The practice involves using GPS or radio frequency identification to search for public social media posts that were uploaded within a certain distance of an incident, like a car accident.

Sometimes they are able to locate photos of videos taken by bystanders who have 
publicly shared posts. And since most posts on Facebook, for example, use GPS to show location, this can be extremely useful to investigators. 

Often, they can even find potential witnesses to an incident. 

Use with caution
While social media can provide valuable information to prove insurance fraud or abuse, the key is to use this technique ethically. For example, investigators should not dupe someone into accepting them as a “friend” so they can then start rooting through their social media posts. 

At the same time, investigators should not try the same tactic with the individual’s friends or family members to gain insight. 

That said, if you are looking to control workers’ comp and litigation claim costs, you should add social media investigation into your tool kit if you suspect fraud. 

Experts advise employers to index information on claimants’ social media profiles as soon as possible after a claim is filed – and before they can edit their profile. 

Also, be aware that many applicant attorneys are warning their injured worker clients to not post on Facebook during their claims. 

Thomas Domer of the Domer Law firm in Wisconsin writes: “Use of a Facebook page poses real dangers for injured workers pursuing workers’ compensation benefits.

“Since Facebook is a public site, anything posted can be used by respondent insurance companies in claims denial. Even the most benign postings (birthday parties, family gatherings, etc.) can pose problems. For example, a grandparent lifting a 30 pound grandchild when doctors have imposed a 10 pound lifting limit could damage a claim.”

Social media busts
Here are two examples of social media investigations bearing fruit in regard to uncovering workers’ comp claims fraud.

The wayward nurse
A nurse in Ohio had filed for workers’ compensation after injuring herself on the job as an in-home care provider. But her employer smelled something fishy and did some research on her LinkedIn page, which showed she was performing the same kind of duties at three other employers as those that had caused her injury. 
So, while she was collecting workers’ comp benefits from one employer, she was still actively employed with others. After pleading guilty, she was ordered to pay back the $12,938 that had been paid to her in indemnity benefits – and was also sentenced to a year in jail. 

‘Disabled’ worker back on the job
A worker who was collecting workers’ comp benefits from an injury sustained on the job in Ohio was found to be working as a rescue technician for a company in Arizona, thanks to the pictures he had posted of himself on Facebook doing rapelling work. 
He pleaded guilty to fraud.

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 due for a workers’ compensation premium audit? Audits are how insurance rates are determined, and it’s possible that an audit will uncover information that can actually save you money. In any case, it pays to be prepared. These five tips can help you get ready.

1. Let your broker know when there are changes in your staffing, payroll or areas of operation. This is important not just at audit time but all the time. Your rates are based on variable rating information, including the number of employees, job classifications, the states in which you operate, etc. Updated information results in more accurate premium assessments.
2. Get your records ready. Your auditor will need to see records such as federal and state tax returns, ledgers, checkbooks, contracts and employee or contractor tax documents. If you prepare your records in advance, you’ll speed up the audit process.
3. Make sure you break out various types of compensation in your records. For example, to set your premium, your broker considers pay but not contributions to employee benefits packages and other perks, so it’s important to make sure your records are clear on the various types of compensation. Also make sure overtime pay is clearly defined since it’s classified as regular pay for workers’ compensation insurance purposes.
4. Ensure that contractors have their own insurance. This is important not only from an audit standpoint but from a liability prospective as well. If an uninsured contractor has an accident while performing work on your behalf, you can be held liable. If an audit identifies contractors for whom you don’t have certificates of coverage, you can be charged for their premiums.
5. Remain on hand to answer questions. As your auditor reviews your material, he or she may have questions or need additional data. If you are available to provide answers, your audit will be completed more quickly.

By following these tips, you’ll be more prepared for your workers’ compensation premium audit. A fast, efficient audit process can save time for both you and your auditor, so it pays to be prepared.

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 insurance provides coverage for medical benefits and wage replacement when an employee is injured or killed on the job. When an injured employee accepts workers’ compensation payments, he or she legally gives up the right to sue the employer later for damages or negligence. This is commonly known as the compensation bargain, and it is meant to provide a compromise between the two sides. One of the problems solved by this bargain is employer insolvency. If employers did not have workers’ compensation insurance, they could lose their entire company to pay for damages awarded to an injured worker by the court. For this collective liability system to work, individual immunity is a necessity. It ensures the adequate compensation of injured parties.

Compensation plans may vary from one jurisdiction to another based on several factors. However, payments to injured claimants may be made on a weekly basis. In this instance, workers’ compensation is similar to disability insurance. It provides compensation to replace lost wages at the same rate or almost the same rate. Also, claimants receive compensation for their medical expenses. This insurance works similar to traditional health insurance when covering medical costs. If a worker is killed on the job due to unsafe conditions or negligence of the employer, the dependents of the deceased worker may collect benefits. When this happens, the insurance is structured similar to life insurance. It pays for funeral costs and other final expenses. 

It is important to note that workers’ compensation insurance is not similar to a judgment from a lawsuit. If an injured worker or the survivor of an individual who was killed on the job filed a lawsuit, other damages may be awarded. For example, compensation may be made for pain, suffering and punitive damages. With workers’ compensation insurance, these extra damages are not recognized. The coverage only pays for expenses directly related to the incident. Today, injuries may be verified by more than one medical professional. This is because workers’ compensation fraud has been on the rise in recent years. Dishonest doctors and other professionals have worked with people to fake injuries and create false documentation. The cost of fraud is then distributed to everyone who pays for workers’ compensation insurance. An agent can help by giving tips to prevent workers’ compensation fraud and tips for identifying it. To learn more about workers’ compensation coverage, discuss with an agent.

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

A recent study has found that injured workers are often left feeling frustrated and fending for themselves after they file a workers’ compensation claim.

The survey of injured workers by researchers at the University of Waterloo in Ontario, Canada found that workers reacted in a number of ways when experiencing “procedural” unfairness, frustration in how their claim is being handled, or poor communications from their claims adjuster or employer. Some give up, some react confrontationally, others quit.

The study confirms what other studies have shown: Employers need to be actively involved in helping workers navigate the workers’ comp system, keep in touch with them to lend assistance and provide support, including a feasible return-to-work program.

Otherwise, they risk having a disgruntled injured worker who may take longer to recover or secure the services of a lawyer. And once lawyers enter the picture, the more likely it is that their injury will drag out and the cost of the claim will increase substantially.  

The claims process can be confusing and unfair to injured workers. The amount of money they receive when they are not working and on the mend is less than their paycheck, and poor communications often leave them languishing and wondering when they can return to work.

Negative feelings

Many claimants have a number of negative emotions when embroiled in the workers’ comp claims process, including feeling:

• Confused,
• Angry,
• Frustrated,
• Unsupported,
• Abandoned
• Disappointed, and
• Wary.

Others did report some positive emotions, including determination and optimism.

Issues that caused negative feelings include:

• Uncertainty about how to access workers’ compensation programs.
• Reluctance to speak up about their claim for fear of losing their jobs.
• Not receiving adequate modified work so they can return to work early.
• Receiving inadequate medical care.
• Their employer trying to suppress the claim.
• Unresponsive claims adjusters.

What you can do

Throughout the recovery process, communication is the key. Maintaining contact with your employee and keeping in touch with the attending physician about available work will help reduce anxiety about returning to work.

For many workers that may mean modified work with restriction to avoid reinjury. You may also consider having them work from home, if feasible.

Encourage an injured employee to follow through with recommended care to avoid long-term complications whenever possible.

If your worker is not getting a response from their claims adjuster, offer to assist them.

Check in with your worker regularly and let them know their colleagues miss them and are hoping they’ll soon be back on the job.

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

As the cost of commercial auto insurance continues climbing at unprecedented rates, any business with vehicles has to make sure that it has procedures and policies in place to reduce the chances of its drivers causing accidents.

When a business entrusts a vehicle to an employee, it is literally putting its assets on the line. 

You should set these no-exception rules for drivers:

• Always wear seat belts.
• No driving while under the influence of alcohol or drugs.
• No mobile phone use while driving.

You should also set guidelines for employees to follow when they use company vehicles, such as:

Limit their non-business use of vehicles – If employees take company cars home with them, you should set reasonable limits on personal use.

Allow plenty of time between meetings and assignments – This will make it less necessary for employees to speed.

Park vehicles wisely – Instruct workers to park vehicles in well-lit areas, and to lock them.

Weeding out trouble

You should also try to make sure that you don’t put people in driving positions that are risky.  You can:

• Check prospective employees’ driving records before hiring them.
• Not let staff with poor records drive.
• Annually check driving employees’ records.
• Require employees to report accidents they have when they are off the job.
• Be on the lookout for employees with short tempers, as they may be prone to road rage.
• Provide occasional driver training for employees who drive, especially drivers of large commercial vehicles.

But, even with all the preventive measures in the world, an accident will occasionally happen. You should prepare your drivers for that event.

Develop procedures for what a worker should do after an accident. Keep copies of the procedures handy in vehicle glove boxes.

Post-accident procedures

• Remain at the scene.
• Call the police if there are injuries.
• Gather information from the other driver (name, address, insurance information, license plate number) and any witnesses.
• Report the accident to a designated person within the company.

If one of your employees is involved in an accident, report the accident to us or your insurance company as soon as possible.

Follow the conditions listed in the insurance policy. Check with us if you do not know what they are.  Follow the insurer’s instructions for getting repair estimates and communicating with physicians.

Your insurance company may be able to help. Many insurers offer loss-prevention guidance for their customers. 

Businesses can reduce their risks and control their costs by working with their insurers and following the simple steps set out above.

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

New York State has long been a proponent of ensuring that its residents are well-protected in times of disability or the need to care for a loved one. The New York State Disability Benefits Law (DBL) and the Paid Family Leave Act (PFL) Insurance are two significant components of the state’s commitment to social security. These programs provide financial support when individuals face disability, whether due to illness or injuries, as well as when they need to care for a family member. This article explores the intricacies of the New York State Disability and Paid Family Leave Act Insurance, including the weekly benefit amount, differences between coverage options, and the role of organizations like BGES Group in providing ancillary coverages.

Weekly Benefit Amounts

One of the key aspects of the New York State Disability and Paid Family Leave Act Insurance is the weekly benefit amount provided to eligible individuals. Under the DBL, employees who are covered can receive a maximum benefit of $170 per week. However, this amount can be increased depending on the insurance company providing the coverage. Many insurance providers offer coverage options that allow individuals to increase their weekly benefit, often up to $340, $510, or even more. The ability to customize the coverage is a significant advantage for those seeking higher levels of financial protection.

Differences Between DBL and PFL Coverage

It is essential to distinguish between New York State Disability Benefits Law (DBL) and Paid Family Leave Act (PFL) Insurance, as they serve different purposes and have distinct eligibility criteria.

1. DBL Coverage: DBL insurance primarily provides wage replacement for employees who are unable to work due to a non-work-related injury or illness. This coverage is available to most employees in New York State, with a few exceptions. DBL benefits can last up to 26 weeks, with the weekly benefit amount mentioned earlier, which can be enhanced by choosing the right insurance provider.

2. PFL Coverage: Paid Family Leave (PFL) insurance is designed to offer job-protected, paid time off to employees who need to care for a family member with a serious health condition or to bond with a new child. PFL benefits are also available to most employees and can be taken in full or in part, up to a certain limit. While the benefit amount under PFL is not as high as some DBL enhancements, it provides a crucial safety net for families during significant life events.

Ancillary Coverages Through BGES Group

The BGES Group plays a crucial role in ensuring that New York contractors and employees have access to essential ancillary coverages beyond the standard DBL and PFL insurance. These additional coverages can provide comprehensive protection and peace of mind.

1. In-Hospital Daily Benefit: This coverage provides a daily benefit for hospital stays, helping individuals offset the expenses associated with medical treatment. It can be particularly useful for covering co-pays, deductibles, and other healthcare-related costs.

2. Accident Insurance: Accident insurance offers financial support in the event of an accidental injury. This coverage can help cover medical bills, rehabilitation expenses, and other costs resulting from accidents.

3. Group Life Insurance: Group life insurance provides a financial safety net for an employee’s family in the unfortunate event of their passing. It can help cover funeral expenses and provide financial support to beneficiaries.

4. Critical Life Insurance: Critical life insurance is designed to offer coverage in the event of a critical illness diagnosis, such as cancer or a heart attack. It provides a lump sum payment to the insured, helping them cope with medical bills and other associated costs.

BGES Group: A Trusted Provider

For decades, BGES Group has been a trusted provider of New York State DBL coverage, offering the best companies and quick issuance of certificates. Their commitment to facilitating the insurance process for New York contractors is crucial, as contractors often have unique needs when it comes to insurance coverage. The ability to access customized DBL and PFL insurance through BGES Group can be a game-changer for those in the construction industry, providing them with the financial protection they need in case of disability.

Conclusion

The New York State Disability and Paid Family Leave Act Insurance programs are vital components of New York’s social safety net, offering financial support to employees during times of disability and when they need to care for family members. While the standard weekly benefit for DBL is $170, this can be increased through the selection of the right insurance provider. Moreover, organizations like BGES Group go the extra mile to provide ancillary coverages that can further protect employees and contractors. In-hospital daily benefit, accident insurance, group life insurance, and critical life insurance are all additional options that can be tailored to meet individual needs. BGES Group’s expertise in the field and quick certificate issuance make them a valuable partner for New York contractors seeking comprehensive insurance coverage. Ultimately, the combination of DBL, PFL, and ancillary coverages ensures that New Yorkers have access to the financial protection they need when it matters most.

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 2023, New York contractors are facing unprecedented challenges when it comes to securing workers compensation insurance. Several insurance companies have chosen to halt the sale of new policies in the state, while also non-renewing existing accounts. This worrisome trend appears to be escalating due to decreasing insurance rates and a surge in claims, many of which involve fraudulent activities. However, amidst this challenging landscape, there is a ray of hope for contractors – the BGES Group.

With a commitment to offering alternative options, BGES Group represents 15 insurance companies, making them well-equipped to tailor the right policy to meet the unique needs of contractors in New York. Here are some of the innovative solutions they offer:

1. **Pay-As-You-Go Option**: BGES Group’s Pay-As-You-Go plan requires just a $200 upfront payment, followed by monthly payments based on your past months payrolls. This flexible approach empowers contractors to manage their insurance costs more effectively.

2. **Combined Payroll and Workers Compensation Plan**: For the past 22 years, BGES Group has provided a comprehensive solution that combines payroll services with workers compensation insurance. What sets this plan apart is that the payroll company also owns the workers compensation company. This synergy allows for competitive pricing, as one rate can offset others. This plan is particularly beneficial for contractors in challenging fields such as interior demolition and roofing. This plan has been around for 24 years.

3. **Assisting High-Risk Contractors**: BGES Group specializes in helping contractors who may have experienced a run of bad luck, with significant losses on their record. They have successfully assisted contractors with substantial claims, ensuring that they can obtain coverage at rates comparable to their previous premiums. Whether you’re a general contractor or a specialist in a high-risk field, BGES Group knows how to navigate the complexities to your advantage.

BGES Group has been a trusted partner for New York contractors for decades, and they understand the intricacies of the system. What sets them apart is their commitment to exceptional service. They’re known for answering the phone promptly, issuing certificates within minutes, and responding to emails and texts without delay. Their expertise and dedication are unmatched, making them the go-to organization for contractors facing issues like policy cancellations, audit disputes, unfair policy fees from brokers, or misclassified payrolls.

For contractors in New York, dealing with the evolving landscape of workers compensation insurance has become a complex task. However, the BGES Group stands as a beacon of support, offering innovative solutions, expert guidance, and unmatched customer service. If you’re a contractor looking for a reliable partner to navigate the challenges of workers compensation insurance, BGES Group should be your first choice.

To learn more about how BGES Group can assist you, contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. They’re ready to help you find the right insurance solution for your contracting business.

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

No company owner wants to undergo a workers’ compensation audit, but they are a fact of life if you run a business and have employees.

Unfortunately, many audits don’t go smoothly and sometimes your insurer may make mistakes. Missouri-based Workers’ Compensation Consultants, which helps employers through the workers’ comp audit process, recently listed the 10 most common audit mistakes that insurance companies make.

The list highlights a common problem and how you can detect the mistakes to avoid being stuck with a massive audit bill. Insurance companies allow you to review the audit with your broker. If you notice that you have received an audit bill that is obviously overstated, you should contact us.

Here are the things to look for when reviewing an audit by your insurance company:

Wrong class code – Misapplication of job classifications occurs in many workers’ comp audits. With hundreds of job classes to choose from, mistakes can happen. Talk to us and review your old policies to see if any of your class codes have changed.

X-Mod is changed – After your insurer finishes the audit, it will use the information to calculate your premium. When that happens, it has to include your X-Mod to get the right rate. But sometimes the insurer may use an incorrect X-Mod. Check carefully.

Subcontractors are counted – Sometimes insurers will include subcontractors as employees, which results in a new audit bill to account for the additional “employees.” But if they are genuine subcontractors, they should not be counted. Often, uninsured contractors will be included as employees. Make sure to use insured contractors only.

Disappearing credits – Most policies will have some sort of premium credits or other modifiers. Sometimes during audits, the insurer will remove them when recalculating the premium they think you owe. Watch out for missing credits and other modifiers if you get an audit bill, like:

• Premium discount
• Schedule credits
• Deductible credits
• State-specific credits

Audit worksheets missing – If the auditor fails to provide you with audit worksheets, which are used to compile your payroll and other audit information, you should ask to check their work. They will provide you with the information you need to carry out such a check.

Your rates changed – The rates you are charged at the beginning of your policy period must remain the same for the entire policy period. If your base rates have changed, the insurer may have made a mistake.

Separation of payroll – Depending on your industry, you may or may not be able to split your employees’ payroll between job classifications (like cabinet installers and sheetrock hangers). This is a pinch point when errors can occur. If the auditor says you are not allowed to split job classifications even though you have in the past, your audit may be in error.

Unexpected large premium due – If you get a significant bill for your insurance company after your audit, the auditor may have made mistakes, particularly if you know that your employment has remained relatively stable and you’ve had no significant claims, if any. If it seems out of whack, call us. 

Payroll data doesn’t match – If there is a discrepancy between your payroll data and what you see on the audit, a mistake may have been made. Try to match the payroll on the audit with that generated by your accountant. If the insurer made a mistake, you could end up paying for phantom payroll numbers.

No physical audit – There are three types of audits:

• Mail audit
• Phone audit, and
• Physical audit

The mail and phone audits are prone to errors since neither you nor your staff likely have any experience in premium auditing. If you have a big bill after a mail or phone audit, mistakes could have been 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 insurance, 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

With the widespread availability of ride services, such as Lyft and Uber, there is no reason to drive to your holiday party, especially if you drink. 

The cost of driving under the influence can be well over $10,000, and it can also cost you your career. Worse yet, if you seriously injure or kill someone, you can spend time in jail. It’s just not worth it — the cost of a ride or taxi service is a drop in the bucket compared to what an alcohol-related conviction can cost you.

Ride sharing services are easy to use if you have a smartphone. All you need to do is download the apps for Lyft or Uber or an app that dispatches to taxi companies.

You need to enter your credit card information, which makes the system efficient, as no money changes hands and your credit card is billed. You then program in your home or location address and your destination address, and with a push of a button, the first nearby driver to respond will pick you up.

The apps typically will tell you about how many minutes it will take for the driver to arrive, and you should get a text message when your driver is approaching. The systems are transparent; they provide you with your route map and total cost. It also will be difficult for a driver to manipulate the system to charge more. You are also prompted to rate your driver; drivers with low ratings will, in most cases, lose their contract.

There are additional benefits: there is no need to park your car, pay for parking, or park at a distance; these services take you to the front door.

In some cases, you can choose to upgrade to a black car or an SUV, such as with Uber; these services typically cost more, but if you want to go in style or have a number of people in your party and need a bigger vehicle, this may be an option.

In some locations, these apps offer a carpool system where you share the ride with another party. These are typically limited to two people per party and two parties per car; they use the service to match parties who are picked up nearby and are going to nearby destinations. Those who choose this carpool option pay a fraction of what the actual ride cost due to sharing the vehicle.

With the availability of these services, it is unwise to even think of drinking and driving. At some point, drinking and driving will catch up with you. You already purchased your smartphone; you can now use it to your advantage to safely enjoy yourself, stay out of serious trouble, and easily get around. 

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

Some 22 million Americans are exposed to hazardous noise levels at work each year, and occupational hearing loss is one of the most common work-related illnesses and is permanent, according to the National Institute for Occupational Safety and Health.

Hearing loss can have substantial adverse impacts on workers, including their interpersonal relationships and general quality of life. Besides often causing permanent damage to workers, hearing damage is costly as these cumulative injuries are covered by workers’ compensation.

And OSHA also requires that employers protect workers if their workplace noise levels exceed 85 decibels.

For an idea of the scope of the problem, private industry workers suffered 14,500 hearing loss cases in 2019, according to the Bureau of Labor Statistics.

Dangers from hearing loss include:

• Workers with hearing loss often have trouble localizing sounds or hearing warning signals, which puts them at risk of accidents.
• Hearing loss impedes communication and can lead to isolation in social situations, impediments in career progression, reduced autonomy, poor self-image, fatigue, frustration and depression.
• Tinnitus can disrupt sleep and concentration. That in turn increases fatigue, reduces alertness, degrades performance, and potentially increases risks for accidents on and off the job.

There are a number of steps you can take to protect your employees.

Prevention programs

Noises over 85 decibels (dB) warrant the use of protection. For reference, normal talking is 60 dB, city traffic is 85 dB and a rock concert or a tractor are about 100-115 dB. Without proper protection, prolonged noise exposure in a factory setting can compound the hearing loss incurred from everyday noises.

OSHA requires employers to protect workers in work areas where the probable exposure to noise equals or exceeds an eight-hour time-weighted average sound level of 85 dB.

An effective hearing conservation program should include:

Regular, ongoing sound monitoring — Employers can use sound-level meters to measure sound intensity at a specific moment, and dosimeters to measure employees’ average exposure to noise over a period of a time. By monitoring and recording sound levels throughout a workplace, employers can help their workers understand which areas pose the greatest risk of hearing damage.

Audiograms — Employers can use audiograms to check their employees’ hearing to identify any changes. This starts by taking a baseline audiogram 14 hours or more after the worker was last exposed to occupational noise.
After that, the employer can conduct annual audiograms to identify changes by comparing the results to prior tests. If there is a notable change, employers can assess hearing protection methods and make changes as needed.

Employee training — This is a fundamental step helping employees understand the danger of hearing loss and the steps needed to prevent it. Conduct noise training sessions at least annually, and remind them periodically throughout the year about prevention and other issues, like the areas of the workplace that are the noisiest.

Protective equipment — OSHA requires employers to furnish their workers with protective equipment like ear plugs and earmuffs when the noise level exceeds 85 dB. Make sure you have different styles and shapes as one size does not always fit all.

The takeaway

Hearing damage is a serious matter and can drastically reduce a person’s quality of life as well as the ability to be alerted to dangers. Besides the physical damage of hearing loss, employees can file workers’ comp claims for treatment that can last for years.

And if that’s not enough, OSHA takes this type of injury seriously and failing to protect your employees can result in fines.

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