Americans are working longer hours and facing more demands for productivity, leading to stress and burnout, which in turn can affect workplace safety, according to risk management experts. Understaffing plays a part in this, they found.

When workers are stressed or required to work quickly, they are more prone to making mistakes that can injure themselves or co-workers.

On top of that, there’s been an increase in mental health issues, while outside factors like household finances can also add to an employee’s stress, making them less mindful at work.

Fed-OSHA has also noted a correlation between worker stress and industrial injuries. In May 2023, it launched a web portal for employers to understand and recognize the workplace safety implications of stressed workers and what they can do to help.

Poll findings

A recent poll of 2,515 workers by the American Psychological Association (APA) found that 77% of respondents said they had experienced work-related stress in the last month and 57% said they were experiencing negative effects of work-related stress driven by burnout, including:

• 31% reported feeling emotionally exhausted,
• 26% said they don’t feel motivated to do their best,
• 25% had a desire to keep to themselves,
• 23% wanted to quit,
• 20% reported lower productivity,
• 19% said they felt irritability or anger with co-workers or customers, and
• 18% said they felt ineffective.

Stress is especially prevalent in production environments, where the safety stakes are the highest. This includes construction, manufacturing, warehousing, health care and transportation. In these industries, the risks can range from amputations and crushing injuries to falls and muscle sprains. Inattention while working in these sectors can be deadly.

While OSHA cannot cite an employer for workplace stress, it can cite them for injuries that may have been influenced by stress.

Workplace stressors

According to the APA, workplace stress is caused by a multitude of factors, including:

• Toxic workplaces.
• Verbally abusive superiors, co-workers or customers.
• Difficult-to-meet deadlines or quotas.
• Too much or too little work.
• Poor work relationships.
• Poor communication from management, or management that does not provide leadership.
• Insufficient compensation.
• Uncomfortable workplace environment.

Some of the main risks of stressed or burned-out workers are:

• Workers in understaffed environments or who are under pressure to meet difficult quotas are more prone to make mistakes or cut corners, leading to injuries or costly mistakes.
• Lapses in concentration that can lead to injuries and mistakes.
• Stress can lead to substance use disorders.
• Reduced engagement with colleagues and supervisors.
• Increased sick days and absences.
• Reduced productivity.

What employers can do

Recognizing that workers may be under stress, employers can take steps to help their workforce. OSHA and the APA recommend the following:

• Be aware and acknowledge that people can carry an emotional load that is unique to their own circumstances. They may be experiencing heightened levels of loneliness, isolation, uncertainty, grief and stress; and some may face additional demands, such as parents caring for children or elderly household members.
• Identify factors making it harder for workers to get their jobs done and determine if adjustments can be made.
• Show empathy. Employers can reassure employees they are open and receptive to discussions about their work stress by creating a safe and trustworthy space.
• Offer health insurance with coverage for mental health and substance use disorders.
• Encourage workers to take their breaks.
• Offer an employee assistance program.
• Offer paid time off and sick leave. (The APA suggests 50% of employees find that a lack of paid time off or sick leave has a negative impact on stress levels at work.)
• Offer paid mental health days off.
• Train supervisors and managers to avoid being verbally abusive and to treat employees with respect.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

workers compensation insurance

One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities.

Let’s say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you still have the same insurance coverage as you did a decade ago, or even three years ago, the chances are high that you are underinsured.

To make sure you have all of your assets covered, you should review your business insurance program annually. Circumstances change, and without a yearly review, you could be faced with substantial expenses if you suffer a loss.

It’s common for small businesses to start out with basic insurances, such as commercial property and general liability policies. However, as they grow, most owners need other types of insurance, such as:

• Excess liability or umbrella – This covers claims exceeding your standard policy’s limits.
• Workers’ compensation – After your business hires its first employee, this type of insurance will be required in most states to provide payments for an employee’s lost wages and medical expenses following a workplace injury.
• Professional liability – This form of insurance covers your service-provided mistakes, and usually your attorney fees.
• Auto, hired and non-owned – This protects your business should an employee cause a vehicle accident in their personal or rented auto.
• Commercial auto – This provides coverage not under personal auto policies, such as to your business and for employees unloading and loading.
• Employment practices liability – Coverage for HR issues, such as those related to termination, harassment and discrimination laws.
• Directors and officers liability – Financial protection for directors and officers should they be sued for wrongful acts stemming from performance of their duties.
• Employee benefits liability – This insurance covers liability issues from an omission or error in the administration of an employee’s benefits that results in the employee incurring a cost, such as a terminated worker losing benefits after not being provided with COBRA information.

Depending on your business, many of these coverages may be essential to adequately protect your firm. An annual insurance review is an ideal time to discuss your needs with us.

Ensure the following elements are considered as you begin the review:

• Revenue – More business is good, but it also means a greater potential for liability. Have your annual sales changed?
• Property – Have you added equipment, computers and such that would create a need to increase your commercial property policy’s limits?
• Location – Your business owner’s or general liability policy could be affected if you’ve added, closed or moved locations.
• Travel – A hired and non-owned auto policy may be needed if your employees are frequently driving rented vehicles.
• Employees – Have you had an increase in your workforce, turnover rate, or use of contractors? Consider employment practices liability insurance for high turnover rates. The more employees you add, the more you’ll pay for your workers’ comp coverage.
• Services – Are you offering additional services? For certain types of work, you may need additional endorsements to your general liability policy.
• Customers – Are you serving new clients or industries? This may cause problems with your professional liability policy if you’re servicing high concentrations of high-risk clients/industries.

The takeaway

The answers for each of the above won’t remain the same over a business’s life, and that’s why insurance isn’t a one-size-fits-all, unchangeable product.

Annually review your business for exposures and insurance needs. Insurance may not cover everything, but it can certainly mitigate your risks.

Start your annual business insurance review today by setting up a meeting with us to discuss the above issues and how they relate to your current insurance needs.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

When it comes to securing reliable and affordable Workers’ Compensation Insurance Programs in the Tri-State area, one name stands out above the rest – BGES Group. With a track record of excellence, BGES Group has earned its reputation as the go-to choice for businesses in various industries, including Auto Services, Contractors (especially in New York), Limousine Services, Moving & Storage Agents, and Local and Long Haul Truckers.

Lets explore why BGES Group is the best choice for your Workers’ Compensation insurance needs, as well as some success stories that highlight their exceptional service.

### Comprehensive Coverage at Great Rates

One of the key reasons why BGES Group is a preferred choice for Tri-State employers is their commitment to providing comprehensive coverage at competitive rates. They understand that every business is unique and faces its own set of risks and challenges. BGES Group has tailored insurance programs for specific industries, ensuring that you get coverage that meets your business’s needs while keeping costs manageable.

#### Industries Served:

1. **Auto Services**: From auto repair shops to car dealerships, BGES Group offers specialized Workers’ Compensation insurance programs to protect businesses in the auto service industry.

2. **Contractors (especially New York)**: Contractors face unique risks, especially in the dynamic New York construction market. BGES Group’s expertise in this area ensures that contractors have the coverage they need to safeguard their workers and operations.

3. **Limousine Services**: The limousine industry relies heavily on its drivers and vehicles. BGES Group understands the importance of protecting both employees and assets, offering tailored insurance programs for limousine service providers.

4. **Moving & Storage Agents**: Businesses in the moving and storage industry require specialized coverage due to the nature of their operations. BGES Group provides insurance solutions that address the specific risks associated with this field.

5. **Local and Long Haul Truckers**: Trucking companies, whether local or long haul, depend on the safety of their drivers and cargo. BGES Group’s insurance programs are designed to support trucking businesses in managing risks effectively.

### Problems BGES Group Can Solve

BGES Group is not just about great rates and coverage; they are also dedicated to solving the common challenges that businesses face in securing Workers’ Compensation insurance. Here are some of the problems they can help you address:

1. **Lower rates**: BGES Group’s expertise allows them to negotiate lower insurance rates for your business, potentially saving you significant costs.

2. **Being non-renewed**: If your current insurer is non-renewing your policy, BGES Group can find alternative solutions to keep your coverage intact.

3. **Audit Disputes**: BGES Group can help you avoid invasive audits and disputes related to payroll records, making the renewal process smoother and less stressful.

4. **Lapse in coverage**: They ensure that your coverage remains uninterrupted, preventing lapses that could leave your business vulnerable.

5. **Poor loss experience**: If you’ve had a history of high claims, BGES Group can assist in obtaining affordable coverage, even when traditional carriers may be hesitant.

6. **Payroll misclassification**: BGES Group ensures that your payrolls are correctly classified, preventing potential issues with your insurance company.

7. **Out-of-state coverage**: They can help expand your coverage to out-of-state operations, ensuring your business is protected wherever it operates.

8. **Large deposit requirements**: BGES Group can work to minimize or eliminate the need for large annual deposits, easing your financial burden.

9. **Exorbitant fees**: If your current broker charges high policy or service fees, BGES Group offers cost-effective alternatives.

10. **Timely certificates of insurance**: BGES Group prioritizes timely delivery of certificates of insurance, helping you meet client and regulatory requirements.

11. **Accessible support**: Their team is readily available when you need them, ensuring you have the support and guidance necessary to navigate the complex world of Workers’ Compensation insurance.

### Success Stories to Share

• Helped a Long Island contractor who was having audit issues with his company get new coverage using proper codes and payroll.  Note his premium ended up being almost half what his incumbent carrier wanted him to pay.                                     

• Helped another contractor get out of an audit problem obtained coverage with a great carrier and saved him a lot of headaches.                                                                    
• Helped an interior demolition company who was being non renewed by his company due to a run of bad luck (in our opinion some of the losses were fraudulent) get new coverage for rates that were less than he was previously paying.                                                                                                                                                   
• Helped a Brooklyn contractor who was being non renewed by his carrier due to a run of bad luck (in our opinion some of the losses were fraudulent) get new coverage for rates that were lower than he was previously paying.                                               
• Helped a limousine service who cannot get workers’ compensation coverage for months get coverage.

### Contact BGES Group Today

For Tri-State employers seeking the best Workers’ Compensation insurance programs, BGES Group is the answer. Contact Gary Wallach by calling 914-806-5853 or emailing bgesgroup@gmail.com anytime for expert guidance and solutions tailored to your business’s unique needs. With BGES Group, you’ll not only find great rates and coverage but also a dedicated partner committed to your success and peace of mind.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Are you tired of navigating the complex world of workers’ compensation plans, especially in the bustling industries of construction, limousine services, moving and storage agents, and trucking, particularly in the demanding environment of New York? Look no further than BGES Group, your trusted partner in securing comprehensive and cost-effective workers’ compensation solutions tailored to your needs.

With over four decades of expertise, BGES Group stands out as one of the Tri-State area’s premier experts in workers’ compensation. We understand that finding the right coverage can be a daunting task, but we are here to make it easy for you. Our commitment is to simplify the process, provide exceptional service, and ensure that you get the best value for your investment.

Here’s a closer look at our range of workers’ compensation plans, designed to meet the unique needs of your business:

**1. Stand-Alone Workers’ Compensation Policy**

Are you looking for a straightforward and affordable solution? Our Stand-Alone Workers’ Compensation Policy is the answer. With BGES Group, you can start with as little as $200. Then, each month, you simply report your past month’s payroll online and pay precisely what you owe—nothing more, nothing less. Or, you have the flexibility to pay your premium over 10 even 12 manageable installments, with no reporting.

**2. Payroll/Workers’ Compensation Program**

Designed with auto service, contractors, limousine services, and local truckers in mind, our Payroll/Workers’ Compensation Program offers several key advantages:

– Exceptional Service: Our team is dedicated to providing unparalleled service to our clients, ensuring that your needs are met promptly and efficiently.

– Competitive Rates: We understand the importance of controlling costs. Our program offers great rates that can help you save on your workers’ compensation expenses.

– Multi-State Coverage: For businesses operating in multiple states, we’ve got you covered. Our program can extend coverage to various locations, simplifying your insurance management.

– Coverage Stability: We provide you with the peace of mind that comes with stable and reliable coverage, allowing you to focus on growing your business.

**3. Professional Employer Organization (PEO)**

Our PEO services are a perfect fit for contractors, limousine services, moving and storage agents, and local and long-haul truckers. Here’s what you can expect:

– Competitive Rates: We offer favorable rates that can help you optimize your insurance budget.

– Coverage Stability: Just like our other plans, PEO provides dependable coverage, allowing you to plan for your business’s future with confidence.

– Tailored Solutions: Whether you have a challenging loss history or operate a high-risk business, we have plans to accommodate your unique circumstances.

– Group Health Coverage: Take advantage of our PEO plans that include group health coverage. PEO partners with a well-known health insurance provider, offering you up to 13 different options. Say goodbye to a 2024 renewal rate increase and hello to better coverage at lower rates.

**4. State Workers Compensation Plans**

We understand that sometimes you may have no other option but to turn to state plans. At BGES Group, we use state plans, ensuring that you receive timely service and that we handle all the intricacies on your behalf. Let us be your buffer in dealing with the complexities that may arise.

At BGES Group, our commitment is to make your experience as seamless as possible. We issue certificates of insurance promptly, and you’ll never find yourself waiting on hold when you call us. Our 42 years of expertise are at your disposal, ready to help you secure great rates and navigate challenging issues like billing. In the event of a claim, rest assured that our team has your back, and we even have an investigator available to assist with questionable employee claims.

Your journey to simplified, cost-effective workers’ compensation starts here. Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com for assistance. We’re available anytime you need us, ready to provide the support and expertise your business deserves.

Don’t let workers’ compensation be a headache for your business. Choose BGES Group, your trusted partner in workers’ compensation solutions. Your success is our priority, and we’re here to help you thrive.

Fleet operators face an increased risk of potential liability if they are not diligent about checking their drivers’ moving violation records with the state Department of Motor Vehicles in addition to the Federal Motor Carrier Safety Administration’s Drug and Alcohol Clearinghouse.

To ensure the safety of our roadways, as of 2020, it became mandatory that all registered motor carriers sign up their drivers in the Clearinghouse and run their driver rosters through the system to clear them for duty. But many companies are skipping this step and only checking their drivers’ records with the DMV, which may not reflect any suspensions issued by the Clearinghouse.

Clearinghouse rules require that drivers be tested for drugs prior to being hired and randomly throughout the year. This helps employers weed out drivers who may be at higher risk of both moving violations and accidents.

The Clearinghouse

The Clearinghouse was created to keep commercial drivers who have violated federal drug and alcohol rules from lying about those results and getting a job with another motor carrier.

This electronic database tracks commercial drivers’ license holders who have tested positive for prohibited drug or alcohol use, as well as refusals to take required drug tests, and other drug and alcohol violations.

The Clearinghouse tracks a driver’s drug and alcohol tests and bars them from operating commercial vehicles after they fail a test. If they want to return to driving, they must successfully pass a return-to-duty process that includes substance abuse treatment and a test to evaluate their readiness.

The Clearinghouse restriction can be lifted should the driver sign up for a Clearinghouse program that will test them 14 times in two years, with the first 12 tests having to occur in the first year. This cost all comes out of the driver’s pocket.

This system is an important check on drivers and helps employers reduce their exposure.

State Departments of Motor Vehicles are required to check the Clearinghouse before issuing a new or renewing a commercial driver’s license.

The takeaway

While it is the law that employers follow Clearinghouse procedures, because it’s a new system, many companies are failing to follow the rules, and possibly allowing suspended drivers to operate their vehicles.

If you are relying only on pulling a driver’s moving violation record and not the Clearinghouse, you are in breach of regulations and you could leave your organization exposed.

If you employ a driver who is under suspension from driving by the Clearinghouse and they are involved in an accident, the victims could build a case that your organization was negligent in letting the individual drive and not checking the Clearinghouse first.

If they can prove negligence on a fleet operator’s part, the business could be in for a hefty court judgment.

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

Checking on an employees drivers license

Every employer, no matter how small, faces the specter of being sued by a past, present or prospective employee at some time.

In fact, such employment practices claims are widespread – so much so that most businesses are much more likely to have an employment practices liability claim than a general liability or property loss claim.

Nearly three-quarters of all litigation against corporations today involves employment disputes, which can be extremely costly. The cost associated with an employment practices claim can be significant.

In 2022, the Equal Employment Opportunity Commission 73,485 new discrimination charges, which represents an increase of almost 20% when compared to the previous fiscal year. In addition, the EEOC collected more than $513 million in monetary penalties for victims of discrimination and sexual harassment.

The large jump in sexual harassment claims and recoveries is a direct result of a surge in lawsuits since the start of the MeToo# movement, which has emboldened many victims to come forward and file complaints.

Keep in mind, the above are just penalties and do not include defense costs, which can exceed $100,000 per claim for employers.

For these reasons and more, employment practices liability insurance is crucial for any employer. The risks of being sued by an employee for discrimination or harassment have increased substantially, particularly now in the MeToo# era.

Employers need EPLI coverage because comprehensive general liability policies and workers’ comp policies exclude employment-related claims. 

EPLI coverage

Policies cover:

• Defense costs (court fees, attorney fees and related costs).
• Payment of settlements and/or judgments up to the policy’s limits.
• Any fines or penalties levied by government agencies.

EPLI policies cover business owners as well as directors, officers and managers. Some policies also cover employees. Additionally, you can buy third-party policies to cover claims brought by non-employees, such as clients.

Types of action covered include:

• Discrimination based on gender, race, national origin, religion, disability or sexual orientation
• Sexual harassment or other unlawful harassment in the workplace
• Wrongful termination
• Failure to employ or promote
• Retaliation
• Employment-related misrepresentation
• Failure to adopt adequate workplace or employment policies and procedures
• Employment-related defamation or invasion of privacy
• Negligent evaluation of an employee
• Wrongful discipline of an employee
• Employment-related infliction of emotional distress.

NOTE: Wage and hour claims, or disputes regarding overtime pay for non-exempt employees, have become more expensive in recent years, so most EPLI policies exclude this coverage. Business owners may be able to find endorsements to add wage and hour coverage.

Costs

EPLI claims can be extremely expensive. The average cost of a discrimination claim is $125,000, and 25% of judgments exceed $500,000.

Most businesses are wise to have at least $1 million in coverage. However, higher coverage limits increase your premium cost, so you want to balance your coverage needs and your budgetary concerns.

Call us if you want further information or need help in gauging your EPLI coverage needs.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

In the bustling world of New York construction, liability insurance is a lifeline for contractors. It provides financial protection in the face of accidents, property damage, or lawsuits. However, for New York contractors, there’s more to this story than meets the eye. General and umbrella liability policies come with restrictions when it comes to the coverage and limits required of their subcontractors. Failure to comply with these requirements can lead to the declination of claims, leaving contractors exposed to significant risks.

## The Subcontractor Insurance Conundrum

For New York contractors, subcontractors play a vital role in the construction process. They bring specialized skills and expertise to the table. However, when it comes to liability insurance, things can get tricky. Many subcontractors operate as independent entities, and their insurance coverage may not align with the contractor’s policies.

This discrepancy has led insurance companies to impose strict requirements on subcontractors’ insurance coverage. The goal is to ensure that subcontractors have the necessary protection and liability limits in place. While these requirements are essential, they can sometimes pose challenges for contractors and subcontractors alike.

## Few Exceptions to the Rule

Not all insurance companies have the same stringent requirements for subcontractor insurance. Some take a different approach. These companies recognize the importance of subcontractor compliance and, before insuring a contractor, conduct thorough underwriting to assess their subcontractors’ insurance and hold harmless agreements. They collect executed certificates of insurance from subcontractors to verify that the correct coverage and limits are in place.

These select insurance companies aim to simplify the process for contractors, allowing them to focus on their projects rather than navigating complex insurance requirements. However, such companies are the exception rather than the rule in the New York construction insurance landscape.

## The Soft Hammer Clauses

To ensure subcontractor compliance, some insurance companies include what are known as “soft hammer clauses” in their policies. These clauses act as a gentle nudge, encouraging subcontractors to maintain the proper coverage and limits. If subcontractors fail to do so, the insurance company may respond by charging them higher rates or imposing a substantial deductible.

While soft hammer clauses offer some flexibility, they are still a reminder of the importance of adhering to insurance requirements. Contractors must carefully evaluate the impact of these clauses on their projects and subcontractor relationships.

## The Hard Hammer Clause

In contrast to soft hammer clauses, the “hard hammer clause” takes a more uncompromising stance. When a subcontractor fails to carry the required coverage and limits under the insurance policy contract, there is no coverage in the event the subcontractor causes an accident, and the general contractor is sued. This puts the contractor in a precarious position, as they may find themselves personally liable for damages and legal costs.

The presence of a hard hammer clause serves as a stark reminder of the critical nature of subcontractor compliance. Contractors must rigorously assess their subcontractors’ insurance and ensure they meet the necessary criteria to avoid such dire consequences.

## The Solution: BGES Group

Navigating the complex landscape of subcontractor insurance requirements in New York can be a daunting task for contractors. This is where the BGES Group steps in as New York construction insurance experts. With access to a network of 50 contractor insurance companies, they are uniquely positioned to assist contractors in finding the right insurance solutions.

One of the standout features of BGES Group is their ability to help contractors screen their subcontractors effectively. They understand the importance of subcontractor compliance and have aligned themselves with companies that offer specialized services in this area. BGES Group provides boutique-type services, such as quick responses to emails and texts, quick issuance of certificates, and, perhaps most importantly, answering the phone when contractors need their assistance.

In a world where subcontractor insurance requirements can make or break a construction project, having a knowledgeable partner like BGES Group can make all the difference. They empower contractors to navigate the insurance landscape with confidence, ensuring that their projects are not only successful but also adequately protected.

In conclusion, the world of liability insurance for New York contractors is a complex one, especially when it comes to subcontractor compliance. While some insurance companies offer more flexibility, others employ soft and hard hammer clauses to enforce compliance. Contractors must be diligent in their efforts to ensure subcontractors meet the required coverage and limits. The BGES Group stands as a beacon of support in this challenging landscape, providing expert guidance and personalized services to help contractors secure the protection they need. In the high-stakes world of New York construction, having the right insurance partner can make all the difference.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

In the bustling world of business, there are few challenges more daunting than managing workers’ compensation policies. Tri-state employers, particularly those in industries like auto services, construction (especially in New York), limousine services, moving and storage agents, and trucking, often find themselves grappling with issues ranging from high rates to poor loss experience, coverage cancellations, and elusive customer service. This is where BGES Group steps in as the ultimate solution for those looking to secure a new workers’ compensation policy or improve their existing one.

### Tailored Programs for Diverse Industries

BGES Group recognizes the unique needs of various industries. That’s why they offer specialized programs designed to cater to businesses operating in:

1. **Auto Services:** Whether you run a repair shop or a car dealership, BGES Group understands the complexities of the auto service industry.

2. **Construction (Especially in New York):** The construction sector faces specific challenges, especially in a complex regulatory environment like New York. BGES Group has the expertise to navigate this terrain.

3. **Limousine Services:** Limousine companies require tailored insurance solutions to address the unique risks associated with luxury transportation. BGES Group has you covered.

4. **Moving and Storage Agents:** Businesses in the moving and storage industry often need comprehensive coverage due to the potential for property damage and injury. BGES Group can help you find the right policy.

5. **Truckers:** Long-haul trucking companies require specialized workers’ compensation solutions due to the nature of their operations. BGES Group understands the intricacies of this industry.

### Resolving Common Issues

BGES Group isn’t just about offering industry-specific solutions; they’re here to help you address common pain points you may be facing:

1. **High Rates:** If you’re burdened with exorbitant workers’ compensation rates, BGES Group can assist in finding more cost-effective options.

2. **Poor Loss Experience:** Managing claims can be challenging. BGES Group can help you improve your loss experience.

3. **Coverage Cancellations:** Facing policy cancellations? BGES Group can help you secure reliable coverage.

4. **Audit Hassles:** Dealing with difficult audits from your insurance company? BGES Group can assist in making the process smoother.

5. **No Coverage:** If you find yourself without coverage, BGES Group can swiftly help you rectify this situation.

6. **Flexible Payment Plans:** BGES Group can provide payment plans that align with your business’s cash flow, allowing you to pay less during slow periods and more when business is booming.

7. **Multi-State Coverage:** For companies operating in multiple states, navigating workers’ compensation regulations can be challenging. BGES Group simplifies this process.

8. **Prompt Certificate Issuance:** BGES Group ensures that you receive certificates promptly to meet your business needs.

9. **Responsive Customer Service:** Tired of dealing with automated systems and long wait times? BGES Group offers the personal touch you crave, with quick responses to emails, texts, and phone calls.

10. **Confidence in Expertise:** If you lack confidence in your current agency’s expertise, BGES Group’s specialists can provide the knowledge and guidance you need.

### The BGES Group Difference

What sets BGES Group apart is its commitment to providing exceptional service in the tri-state region. Unlike large, impersonal insurance conglomerates, BGES Group operates like a mom-and-pop boutique agency, offering personalized attention and guidance. When you choose BGES Group, you’re not just a policy number; you’re a valued client.

If you’re ready to take control of your workers’ compensation insurance policy and experience the difference that a dedicated, customer-centric agency can make, contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. BGES Group is your trusted partner in navigating the complexities of workers’ comp, ensuring that you receive the coverage you need at rates that make sense for your business.

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

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

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

**Access to the Best Contractor Insurance Programs**

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

**Savings on Policy and Service Fees**

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

**22 Years of Specializing in Insuring Contractors**

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

**Tailored Insurance Programs Designed for Contractors**

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

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

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

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

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

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

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

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

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

### Specialized Programs Tailored for You

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

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

### A Network of the Best Insurance Companies

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

### A Boutique Agency That Puts You First

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

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

### Transparent Pricing with No Excessive Fees

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

### Comprehensive Services Beyond Insurance

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

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

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

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

### A Reputation Backed by Rave Reviews

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

### Contact BGES Group Today

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

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group