Ever
wonder why it’s so great to own an alarm company, an insurance agency, a real
estate company? So long as you have a customer, every month you get paid!
Now
you can save your commercial and residential customers up to 40% on their
essential services and get paid every month for doing so! This
business can also get you new customers!
Some
of your customers are paying thousands, tens of thousands, hundreds of
thousands of dollars (i.e building owners) each month for services. Our company
not only can save them money but pay YOU up to 10% of their bill every month
for as long as they remain your customer!
This
business is GREAT for contractors! Actually, anyone can do this business!
Do
you know someone looking for other ways to make money? Maybe your spouse, business associates,
friends, relatives or children age 18 and older?
This
business is available throughout the United States. Actually it’s in 26 countries!
Did
you ever want to own a franchise but didn’t have hundreds of thousands of
dollars to do so? Now you can own this
business for practically nothing! There’s
no rent, payroll, you don’t have to collect money, you have no aggravation and
it is recession proof and you can make skies the limit! It’s very easy to do it’s just most people do
not know about it!
Get in on something that can change your life forever! This opportunity really can! Throw away your skepticism, we were skeptical
too! This business makes sense, is
aggravation free, you can make a lot of money, every month, and not have to
wake up every morning worrying about at least money!
We can only work with a few people so it’s critical if you’re
interested, you contact us immediately!
Want to learn more? Contact Gary by phone or text at 914-806-5853 or click here to go to business opportunity.
Business owners who form a corporation or a limited liability company (LLC) may question the need for the business to carry insurance. A major benefit of these forms of business organization is that they shield the owners’ personal assets. Because of this, they may believe insurance is unnecessary.
A corporation is a legal entity separate from its owners. It acts as an artificial legal person. It can do the things that individuals may do, such as:
Enter into contracts
Incur debts
Earn income
Make investments
Sue others, and be the target of lawsuits.
It gives its owners a legal shield against many of its obligations. In other words, an individual owner of a corporation (called a “stockholder”) does not have to pay for the business’s debts out of his or her own funds.
An LLC also shields its owners (known as “members”). However, tax laws apply differently to LLCs than they do to corporations. If a corporation earns $10,000 in income, it must pay tax on that $10,000. If an LLC earns $10,000, the money is distributed to the members and they individually pay taxes on it.
Corporations and LLCs shield their owners and members from liability for the entity’s debts.
Suppose someone sues the business, claiming that its product injured them. A court orders the business to pay the injured individual $1,000,000. The business must pay that amount out of its assets. But, the individual owners or members do not have to cash in their bank accounts or homes to pay it. The most they stand to lose is the amounts of their investments in the business.
Legal shield only goes so far
The shield is not absolute. A court may hold individual stockholders and members liable in some situations. If they personally and directly injure someone, the shield does not protect them.
The court may also decide that the corporation is a sham entity. It could do this if the business has not conducted the normal activities of a corporation, such as:
Holding regular stockholder meetings.
Keeping business records separate from those of the owners.
Investing adequate capital in the business.
Regardless of the shield, the business should carry insurance. The shield cannot protect the time and effort that goes into building a business. An uninsured accident can wipe out all of the business’s assets. Without large additional investments, it might not survive. The stockholders’ investments in money, time and work will have been wasted.
Also, an individual acting on the business’s behalf may incur personal liability. For example, while driving on company business, a member may injure someone in a car accident. Business liability and auto insurance policies usually insure individual stockholders and members for acts they perform in their roles with the business. Without this coverage, the individual would have to hire their own lawyers and pay judgments out of pocket.
For these reasons, wise business owners buy insurance. They should insure the business’s buildings, property and liability risks. The personal liability shield is no substitute for insurance protection.
BGES
Group’soffice, located in Larchmont, NY is a full service insurance
agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid
& Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s
Compensation, New York State Disability, Group Health, Life insurance and
Personal lines.
BGES Group are Worker’s Compensation
Specialists for the States of New York, New Jersey and Connecticut –
Issues we address: 1) Lowering pricing – we have specialty programs that can
save you up to 40%; 2) Finding a new company; 3) Being cancelled or non
renewed; 4) Audit disputes; 5) Company creating fictitious payroll at
audit time; 6) Lowering high experience modifications factors; 7)
Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without
for a few months; 10) Covering multiple states under one policy; 11)
Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13)
Always being able to get someone on the phone or by email when you need
to.
Special Contractor Insurance
Programs (NY, NJ, CT) – We we have 50 insurance
companies to market your general liability, umbrella liability, business
auto, workers compensation, bid & performance bonds and group health
coverages. We help contractors set up proper risk transfer
mechanisms. If you’re a contractor we
offer extensive information about insurance markets, coverages, risk transfer
mechanisms, subcontractor screening, ways to lower your insurance costs that
lower them.
New Jersey and Connecticut
Contractors: We have a fiercely competitively priced (savings up to 50%) General Liability, Umbrella Liability,
Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
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
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 from 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’soffice, located in Larchmont, NY is a full service insurance
agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid
& Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s
Compensation, New York State Disability, Group Health, Life insurance and
Personal lines.
BGES Group are Worker’s Compensation
Specialists for the States of New York, New Jersey and Connecticut –
Issues we address: 1) Lowering pricing – we have specialty programs that can
save you up to 40%; 2) Finding a new company; 3) Being cancelled or non
renewed; 4) Audit disputes; 5) Company creating fictitious payroll at
audit time; 6) Lowering high experience modifications factors; 7)
Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without
for a few months; 10) Covering multiple states under one policy; 11)
Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13)
Always being able to get someone on the phone or by email when you need
to.
Special Contractor Insurance
Programs (NY, NJ, CT) – We we have 50 insurance
companies to market your general liability, umbrella liability, business
auto, workers compensation, bid & performance bonds and group health
coverages. We help contractors set up proper risk transfer
mechanisms. If you’re a contractor we
offer extensive information about insurance markets, coverages, risk transfer
mechanisms, subcontractor screening, ways to lower your insurance costs that
lower them.
New Jersey and Connecticut
Contractors: We have a fiercely competitively priced (savings up to 50%) General Liability, Umbrella Liability,
Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
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
1.Pricing – Rates can be up to 40% less than what you now pay. Paying a 10% service fee? We DO NOT charge any service fee.
2. Coverage – Better protection built into our program. For example, if you operate weeks at a time out of state, we can cover you according to that state’s workers compensation laws. State plans usually do not cover if you work out of state weeks at a time and if claim is filed out of state.For example, let’s say medical costs are $55,000 for a particular injury in New York. In New Jersey, for the same injury, medical costs are $125,000. Under our program you will be fully protected.
3. Long Term Coverage Stability – Our program has been providing Workers Compensation for contractors for 23 years. You can have coverage stability being in it!
4. Who Can We Cover – We can cover almost any contractor except asbestos or those that work at heights (exterior) in excess of 3 stories unless work is 5% or less of what you do. We love roofers, exterior contractors that work up to 3 stories, interior demolition contractors too!
5. Pay as You Go – Your premium payment is based on your last month’s payrolls. During slow times when cash flow is slow you will pay less. 6. Audits – Our auditors are friendly, accommodating and very helpful. They are usually in and out in 30 minutes. In those states that do not mandate audits, you may not be audited for years.
7. Deposit Premium – 10% needed to bind coverage. No renewal deposits required.
8. Payroll Caps – We will keep track of all payroll caps so you pay no more than you should.
9. Proper Payroll Classifications – Upfront your payrolls will be classified correctly. We give you back control over this. Every week, so you don’t overpay, your payrolls will be assigned to the proper workers comp codes and you will pay what you should, no more. 10. NYCPAP Credit – Every year we will apply for credit on your behalf. 11. Claims – Our claims department is one of the best in the country. If you tell us a claim is suspicious we will investigate and fight back. This is an area we excel in. We want to protect your claims history so we can give you excellent pricing. 12. Customer Service – You will always be able to get us on the phone within seconds. You can do your own certificates or we can do them for you. Either way certificate turnaround is usually minutes. Whatever you need you never have to wait for help! 13. Payroll Processing – We can process your payroll including:
File NYS-45’s File 941’s Pay your payroll taxes Direct deposit Issue certified payroll reports Do employee background checks Comply with all OSHA paperwork requirements Help you with employee drug screening Our program was designed for contractors
To Speak With Us Call 914-806-5853, click here to email or click here to visit our website.
Contractor Liability Programs
How We Can Help You:
1) Make sure you have “The Right Coverage” by analyzing your needs then coverage. There are a lot of exclusions in policies. DO NOT wait for a claim before learning you have the wrong coverage. For FREE, have your needs analyzed by a team of “TOP NOTCH EXPERTS!” 2) There are a lot of insurance companies on “Black Lists.” Typically these companies have exclusions that are not acceptable and prevent you from working with new customers. Our companies are NOT blacklisted. 3) We have a network of fifty (50), quality, N.Y., N.J., C.T. construction insurance companies. Depending on what you do, we will market your account to these companies and get you “The Right or Better Coverage” at “The Best Rates” these companies offer. We can help you better your situation.
4) Help screen customer contracts so you are in compliance with their insurance requirements. A lot of your customers have risk advisers that screen their contractor insurance policies. We can help you deal with them. 5) Have a written safety manual? We can help put one together for you.
6) Are you screening your subcontractor’s coverage? A lot of liability policies have strict subcontractor insurance requirements. If there’s a claim, and your subs have the wrong insurance, you will have NO coverage. We can help you screen your subs insurance. 7) Using a good subcontractor hold harmless and insurance agreement? This is very important because when marketing your account insurance companies want to see proper risk transfer mechanisms in place. We can help you put one together.
8) We can help you with OSHA compliance, employee background screening, stewardship reports, coordinated loss control survey and inspections, claims management services and disaster recovery.
9) Deal with a broker who has 38 years experience. Who when you call answers their phone. Who when you email emails you right back. Who when you text texts you right back. Who when you have a problem is within seconds there to help you. We are old school. Offer boutique service. Every day we deal with contractors, their issues, solving their issues. We represent “The Top” construction insurance programs in the tri-state area. Have a great reputation. We are NOT insurance generalists. We are construction EXPERTS. If you are unhappy with what have contact us today! 914-806-5853 Email: Click here.
BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s Compensation, N.Y.S. Disability, Group Health, Life insurance and Personal lines.
BGES Group are Worker’s Compensation Specialists (NY, NJ, CT) helping contractors, limousine services, auto service, local truckers, manufacturers, real estate companies and staffing agencies (we can help any business). Workers Compensation issues we address: 1) Lowering rates – our specialty programs have been able to save businesses up to 40%; 2) Unhappy with your company’s service, are they difficult to work with? 3) Being non-renewed? 4) Audit disputes; 5) Lowering high experience modifications factors; 6) Misclassification of payrolls; 7) Lowering or eliminating renewal deposits; 8) Getting coverage when you’ve been without for months; 9) Covering multiple states under one policy; 10) Eliminating 10% service or policy fees; 11) Timely issuance of certificates; 12) Always being able to get someone on the phone or by email when you need to.
Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50 insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverage’s. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverage’s, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.
New Jersey and Connecticut Contractors: We have a fiercely competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
To Speak With Us Call 914-806-5853, click here to email or click here to visit our website.
http://www.bgesgroup.com or http://www.workerscomp.storeCompany: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538e-mail: bgesgroup@gmail.com (C) – Copyright – BGES Group
1. Rates too high? We have a program for contractors whose rates are fiercely competitive,program offers THE RIGHT PROTECTION (state plans do not) if you operate out of state for weeks at a time. If you are a New York, New Jersey, Connecticut contractor and work in different states, this plan is THE ONE YOU NEED!
2. In the middle of an audit dispute? Being told pay or be cancelled? Company charging you for uninsured subcontractors when they shouldn’t? We can help you with an audit dispute as well as give you a back-up plan just in case you need one.
3. Now without coverage? We can help you get worker’s compensation even if you’ve been without coverage for months.
4. Classified Incorrectly? – In a higher rated class code and your company wont budge? There are some companies that if your i’s are not dotted and t’s crossed will take all your payroll and throw it into the highest rated category. They have no interest in showing you what to do. They want you to pay as much as possible. With us, our program from the start, lets you classify payrolls, so you don’t overpay.
5. Working in multiple states? If you’ are with a company that can only cover your home state (usually state or assigned risks plans) yet you work in other states, you may have a big uncovered financial exposure. Our programs can cover you in multiple states.
6. Poor loss experience? – Had some bad luck lately? We’ve helped client’s with two claims totaling $500,000 obtain coverage. These days we are seeing more questionable claims. If you need help, give us a call.
7. Is your agency’s service poor? Can you get someone on the phone when you need to? Do you speak to a different person every time you call? When you send an email does it take days before you hear back? Is your agency charging you a 10% service fee yet doing nothing? With us you’ll speak to one person who will immediately answer your call. We do not charge service fees.
8. Looking for a Plan That Offers Long Term Coverage Stability – Ours is designed for contractors. Ours can do so.
9. High Experience Modification Factor? – Let us do an analysis and try to lower it. Won’t cost you anything. Maybe we can get you money back, thousands, tens of thousands.
10. Whatever your issue we can help. Even though we have not mentioned the issue of concern know we can help. For 38 years we have specialized at Worker’s Compensation. Helping you is our #1 priority. We are frugal when it comes to YOUR money. We do not charge service fees (unless the insurance company we use does not pay us a commission). We want to understand your needs, your issues, and work together to help.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s Compensation, New York State Disability, Group Health, Life insurance and Personal lines.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50 insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.
New Jersey and Connecticut Contractors: We have a fiercely competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
1) Helping your customers reduce their gas and electric bill by up to 40%? There are actually six (6) essential services you can offer customers and make money!
2) Your customer is still billed and keeps their SAMEUTILITY COMPANY.
3) Discounted rates have already been set.
4) Every time your customer pays their bill you get paid up to 10% of bill.
5) Your customer(s) win by saving hundreds, thousands, tens of thousands of dollars a month.
6) You win by being paid a monthly, residual income, every time they pay their bill.
7) We will hold your hand and show you how to do this business every step of the way.
8) Funny thought! New income profit center hopefully will get rid of work related, worrying about making a living stress disorders.
Interested in learning more? Contact Gary at 914-806-5853 by calling or text. You can also click here and watch video on 6 different ways you can make money. Our email address is bgesgroup@gmail.com
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
A recent appeals decision denied coverage to a company on its
directors and officers (D&O) liability insurance policies for taking too
long to file the claim.
In this case, the 5thU.S. Circuit Court of Appeals in New Orleans sided with an
insurer that had denied a claim a company had made after being sued for failing
to pay overtime wages to nonexempt employees.
The insurance company had denied the claim because the first
employees’ claim was made in August 2014, but the company failed to inform the
insurer of that and subsequent claims until September 2015.
This case illustrates the importance of filing claims in a timely
manner.
When the employer actually got around to filing the claim it had
an in-force D&O policy with the insurer, although there was an earlier
policy in force when it had received the first claim of failing to pay
overtime.
Under the policy in force at the time of the first claim, the
insurer would have been obligated to pay all claims made against the company
under the policy.
“That earlier policy would have provided coverage except that
the insured failed to comply in 2014 with a notice provision. We conclude the
district court was correct to rely on this difference,” the three-judge
panel in the appellate court wrote in an opinion that upheld a lower court’s
ruling.
Timeliness
One of the critical obligations of an insured is the duty to
timely report claims or circumstances that may give rise to a claim. Failure to
report a claim in accordance with the policy requirements can result in a claim
being denied, or worse, having the entire policy voided.
D&O policies are “claims made” policies, meaning
that coverage exists only for claims made during the time period the policy is
in effect. Claims made while no policy or extended reporting period are in
effect are not covered.
Claims-made policies also have retroactive dates. Ideally, the
retroactive date is the day the insured started business, but it can also be
the day that it first purchased professional liability coverage.
Assuming the retroactive date has not been advanced, the policy in
force when a claim is made is the policy that will respond, regardless of when
the negligent act, error or omission took place.
However, there is one important qualifier. This insurance applies
to claims that took place after the retroactive date, but prior to the end of
the policy period, provided that the insured had no knowledge of the claims
prior to the effective date shown in the declarations.
In other words, if you knew of a claim prior to the time you
renewed your claims-made policy but did not report it, and if a claim is
subsequently made, the insurance company can deny coverage. It doesn’t matter
whether or not it’s been continuously renewed by one insurance company, the
policy excludes it.
This underscores the importance of timely reporting of all claims
prior to renewal each year.
BGES
Group’soffice, located in Larchmont, NY is a full service insurance
agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid
& Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s
Compensation, New York State Disability, Group Health, Life insurance and
Personal lines.
BGES Group are Worker’s Compensation
Specialists for the States of New York, New Jersey and Connecticut –
Issues we address: 1) Lowering pricing – we have specialty programs that can
save you up to 40%; 2) Finding a new company; 3) Being cancelled or non
renewed; 4) Audit disputes; 5) Company creating fictitious payroll at
audit time; 6) Lowering high experience modifications factors; 7)
Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without
for a few months; 10) Covering multiple states under one policy; 11)
Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13)
Always being able to get someone on the phone or by email when you need
to.
Special Contractor Insurance
Programs (NY, NJ, CT) – We we have 50 insurance
companies to market your general liability, umbrella liability, business
auto, workers compensation, bid & performance bonds and group health
coverages. We help contractors set up proper risk transfer
mechanisms. If you’re a contractor we
offer extensive information about insurance markets, coverages, risk transfer
mechanisms, subcontractor screening, ways to lower your insurance costs that
lower them.
New Jersey and Connecticut
Contractors: We have a fiercely competitively priced (savings up to 50%) General Liability, Umbrella Liability,
Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
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.
If you operate out of state 3 or more days at a time, we can offer you the RIGHT coverage (state and assigned risk plans provide coverage based on states workers comp benefit laws. If a worker gets injured out of state, you can be stuck paying claim which could be tens, hundreds of thousands of dollars.)
Our program requires a one-time 10% deposit. No renewal deposits are required.
Our auditors are pleasant, flexible and easy to get along with. We offer simplified audits so our auditors can be in and out within 15-30 minutes. Some states may not require an annual audit.
Our service is FIRST CLASS. When you call you’ll get us on the phone. When you email or text you’ll receive a reply within minutes. You can issue your own acord certificates or we can do them for you. C105.2s usually done within 5-10 minutes.
You will be dealing with one, very experienced person. He has 38 years experience, is friendly, easy to get along and gets the job done.
We DO NOT charge a policy or service fee. Some programs charge up to 10%.
When you have a claim, if it’s questionable and you let us know, we will investigate very thoroughly. We have a special fraud department. We want to keep your claims experience low so we can offer you best pricing.
Problems we can help you with:
1) Rates too high? Our program rates can be up to 40% less than what you now pay.
2. In the middle of an audit dispute? Being told pay or we will cancel you? Company charging you for uninsured subs that have workers comp? We can help you with audit disputes as well as give you a plan just in case you need one.
3. Now without coverage? We can help you get worker’s compensation even if you’ve been without coverage for months.
4. Classified incorrectly? – In a higher rated class code and your company wont budge? There are some companies that if your i’s are not dotted and t’s crossed will take all your payroll and throw it into the highest rated category. They have no interest in showing you what to do. They want you to pay as much as possible. With us, we know the rules and will help you properly classify payrolls so you don’t overpay.
5. Working in multiple states? If you’ are with a company that can only cover your home state (usually state or assigned risks plans) yet you work in other states, you may have a big uncovered financial exposure. Our programs can cover you in multiple states.
6. Poor loss experience? – Had some bad luck lately? We’ve helped accounts with claims totaling $500,000, $1,300,000 and over $2,000,000 obtain coverage. These days we are seeing more questionable claims. If you need help, give us a call.
7. Is your Agency’s service poor? Can you get someone on the phone when you need to? Do you speak to a different person every time you call? When you send an email does it take days before you hear back? Is your agency charging you a 10% service fee yet doing nothing? With us you’ll speak to one person who will immediately answer your call. We do not charge service fees.
8. Have your Worker’s Compensation with a payroll service who is NOT transparent with their rates? This should not be the case. Some companies charge you for everything so if you’re not scrutinizing your bills you could be paying a lot more than you think. Let us help figure what you are paying so you’re not overpaying.
9. High Experience Modification Factor? – Let us do an analysis and try to lower it. Won’t cost you anything. Maybe we can get you money back, thousands, tens of thousands.
10. Whatever your issue we can help. Even though we have not mentioned the issue of concern know we can help. For 37 years we have specialized at Worker’s Compensation. Helping you is our #1 priority. We are frugal when it comes to YOUR money. We do not charge service fees (unless the insurance company we use does not pay us a commission). We want to understand your needs, your issues, and work together to help.
BGES Group’s office is a full service agency offering property, liability, umbrella liability, auto, bid & performance bonds, inland marine, workers’ compensation, New York State Disability and group health insurance coverages.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50 insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages to.
New Jersey and Connecticut Contractors: We have an extremely competitively priced General /Excess Liability program. You want to lower these costs, get a quote today! Call Gary Wallach at 914-806-5853 or click here.
If you would like to speak with us call Gary at 914-806-5853 or click here to email or click here to visit our website.
Two construction workers died on the job every day in 2013, according to the U.S. Occupational Safety and Health Administration. One out of every 25 construction workers got hurt on the job that year. Workers in this industry need the protection of Workers’ Compensation benefits more than most.
Most states require employers to carry Workers’ Compensation insurance, but not in all cases. Many states exempt one-person operations from the requirement, for example. Regardless, it is a good practice for project owners and general contractors who hire subcontractors to require the subs to carry this insurance, whether the law requires it or not.
A typical construction project involves three types of entities: The owner who is paying to have the project done; a general contractor or independent contractor whom the owner hires to do the work; and subcontractors whom the GC hires to do portions of the work. The relationships between these entities and their employees differ.
While most states require employers to provide Workers’ Compensation benefits to employees, their laws also define who exactly is an employee. If someone is working on my property, but the law does not consider that person to be my employee, then I do not owe that person Workers’ Compensation benefits. States use several criteria to determine whether two parties are in an employer-employee relationship. These are similar to the criteria the Internal Revenue Service uses, such as control over when and how work is performed.
Typically, state regulators do not find a construction worker to be an employee of a project owner. The same cannot be said about independent contractors and employees of subs, however. Some sole proprietor subcontractors who suffer worksite injuries claim Workers’ Compensation benefits under the policies of the contractors who hired them. Often, state Workers’ Compensation law judges rule that these individuals were acting as employees of the hiring contractors, not independent contractors.
In addition, many state laws require an independent contractor who hires a sub to provide Workers’ Compensation benefits to the sub’s employees if the sub fails to obtain insurance. The injured subs or their employees end up collecting benefits even though that was never the intention of the hiring contractors. Consequently, insurance companies can and do charge independent contractors additional premiums when they find that uninsured subs have worked for them.
In a worse case scenario, both the independent contractor and the sub may fail to buy Workers’ Compensation insurance. Leaving aside the legal problems that will result for the employers, this leaves injured workers without sources of the benefits to which they are entitled. Their logical recourse is to sue the project owner. They may seek damages for an alleged failure to maintain a safe worksite or for negligence in the hiring and supervision of contractors. Since the project owners are not the employers of these injured workers, their own Workers’ Compensation policies will not help. Rather, they will have to seek legal defense and the payment of any awards from their liability insurance companies.
For these reasons, project owners should insist and verify that all contractors working on the job, including subs, carry their own Workers’ Compensation insurance. Independent contractors should do likewise with the subs they hire. Project owners may want to supplement their protection by making the independent contractors responsible for verifying that the subs have insurance, and by requiring the independents to hold the owners harmless from any lawsuits resulting from workplace injuries.
Construction is dangerous work. Every contractor setting foot on a job site should carry its own Workers’ Compensation coverage, whether the law requires it to or not.
BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s Compensation, New York State Disability, Group Health, Life insurance and Personal lines.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
Special Contractor Insurance Programs (NY, NJ, CT) – We we have 40 insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.
ALERT NEW JERSEY & CONNECTICUT CONTRACTORS: We have an extremely competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
For Help Contact Gary Wallach Call 914-806-5853 or click here to email or click here to visit our website.
(Please Note this program is designed for contractors and is not a State or Assigned Risk plan.)
Workers Compensation Program:
Savings up to 40%.
Our program was created to provide worker’s compensation coverage to contractors in NY, NJ, CT.
Our program offers long-term coverage stability. It is NOT a state or assigned risk plan
We have one of the best claims services in the industry. If a claim is questionable we know how to fight it and we will. We want to keep your experience mod low and rates too.
We cover you with THE RIGHT coverage while operating outside of your home state. For example, if you are a NY contractor and take a job in NJ that will last 1 ½ months, the NY state plan will not cover a claim arising from that job. Did you know New Jersey’s medical benefits are substantially higher than New York’s? Not having the right coverage can knock you out of business.
To bind we require a low up front deposit. On renewals, NO deposit is required.
Proper payroll assignments. Payrolls will be assigned to the right class codes. You are given control over this.
Proper payroll caps – Our program caps payrolls as required by your state’s worker’s compensation rules.
Simplified audits – Our auditors just want to make sure you classified workers correctly. They also want to make sure your subs have coverage. They can be in and out in 15 minutes.
You can issue your own certificates on-line. C105.2’s for DOB and DOT done by our organization in less than 10 minutes.
FIRST CLASS service. You will work with one person who has 37 years experience and when you call or email responds immediately. This person is very responsible, picks up the phone when you call even on weekends and is a pleasure to deal with. He is knowledgeable, street smart and gets the job done.
We DO NOT charge $500 to $5,000 policy or 10% service fees. We provide V.I.P. service to every client we work that’s in program.
BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s Compensation, New York State Disability, Group Health, Life insurance and Personal lines.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.
New Jersey and Connecticut Contractors: We have a fiercely competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
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.
