Large construction projects involving multiple contractors are ripe for claims and if your company is involved in such an enterprise, one of your top priorities needs to be risk mitigation.

With the specter of property damage, material losses and workplace injuries looming large, especially when there is more than one employer on a site, it is imperative that all parties hash out responsibilities and insurance issues prior to the project starting

All the parties need to discuss openly risk-transfer strategies in their contracts to limit their liability for claims and adopt procedures for handling the anticipated risks. You should cover contractor waivers of subrogation and reciprocal insurance requirements.

Insurance requirements

If you’re concerned about the insurance implications, discuss the matter with us or your broker.

Start by brainstorming about possible claims that may arise during the project. After you’ve come up with that list, it will be easy to identify the types of insurance you’ll need.

A short list would likely include:

• Builder’s risk insurance
• Commercial general liability insurance
• Workers’ compensation coverage
• Professional liability insurance
• Property insurance.

Depending on the project, though, specialized types of insurance may also be required.

Once you’ve finalized the list, the parties can negotiate who can get the best rate for coverage that is available to more than one party.

In the event of catastrophic liability claims, commercial umbrella insurance provides a broader level of coverage beyond the scope of the coverage provided by underlying commercial property and liability insurance policies.

When losses exceed the coverage limits of standard business auto, business property or commercial general liability (CGL) policies, commercial umbrella policies take effect to cover the balance (subject to policy limits and other conditions).

Property owners have filed countless lawsuits against contractors, subcontractors and suppliers, alleging damages arising out of construction defects. These contractors have often tendered claims under their CGL policies.

These insurance claims have been litigated ad nauseum and the emerging consensus appears to be that construction-defect claims are generally not covered under CGL policies.

Waivers of subrogation

A waiver of subrogation provision transfers liability for a claim to another party’s insurance.

These waivers are intended to reduce litigation that might otherwise arise when an insurer feels another party was fully or partially responsible for the claim.

With a waiver, an insurer only has rights against its policyholder. If the policyholder has contractually waived subrogation to a subcontractor, the insurer generally cannot use subrogation to recover its payment for a loss from the contractor.

Waivers of subrogation promote economic efficiency because only one party needs to insure a particular risk. Addressing these issues upfront in your contract is the first step to controlling the financial impact to all parties involved.

Wrap-ups

Large construction projects are becoming more difficult to finance because of increasing costs, lack of control and rising litigation. In recent years, wrap-up insurance programs have been used to help decrease the cost of construction while making the project economically safer.

In a wrap-up, the project owner furnishes a single insurance program for all parties involved in the project for the duration of the project. This insurance relates to the exposures of the project and protects the project owner, contractor and all tiers of subcontractors.

Most wrap-ups include workers’ comp, general and excess liability, and builder’s risk coverages (auto liability and contractors equipment are not included). Wrap-ups can include project architects/engineers errors and omissions coverage and other optional coverages.

Wrap-ups on large construction projects can be either owner-controlled or contractor-controlled. Owner-controlled wrap-ups account for about 90% of the wrap-up programs currently being performed in the U.S.

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.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

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

Architect inspects construction from the inside

New York State disability insurance provides essential financial protection for employees who become disabled off the job. However, the statutory limit of $170 a week might not be sufficient for many individuals to meet their financial obligations during periods of disability. Fortunately, some companies offer higher limits to their employees, ensuring better coverage. In this article, we will explore the current landscape of New York State disability, the challenges posed by the statutory limit, and how the Paid Family Leave Act works. Additionally, we will delve into the ways in which BGES Group can help New York business owners improve their NYS disability coverage.

New York State Disability: An Overview

New York State disability insurance is designed to provide financial assistance to employees who suffer non-work-related injuries or illnesses that prevent them from working. As per the statutory limit, eligible individuals can receive up to $170 a week, which might not be enough to cover their living expenses, especially in a city as expensive as New York.

The Struggle with Statutory Limit

Living in New York comes with a high cost of living, and the $170 weekly cap on NYS disability benefits can be a significant challenge for employees facing disabilities. For many, this amount may not be enough to cover essential expenses like rent, utilities, groceries, and medical bills. Consequently, some individuals may face financial hardships during their recovery period.

Paid Family Leave Act: A Step in the Right Direction

Recognizing the limitations of NYS disability coverage, New York State introduced the Paid Family Leave Act (PFLA) in 2018. The PFLA provides eligible employees with up to 12 weeks of job-protected, paid leave to care for a new child, address a family member’s serious health condition, or assist with family matters arising from a family member’s military service.

PFLA offers a progressive approach to supporting employees during significant life events, but it may not address all the needs of disabled workers who are not taking care of a family member. Thus, there remains a gap in comprehensive disability coverage for such individuals.

BGES Group: Bridging the Gap for New York Business Owners

BGES Group recognizes the importance of providing adequate disability coverage for employees. They specialize in assisting New York business owners in obtaining better NYS disability coverage beyond the statutory limit. Here’s how BGES Group can help:

1. Tailored Disability Insurance Plans: BGES Group works closely with businesses to develop customized disability insurance plans that suit their unique requirements and budget. This ensures that employees receive more comprehensive coverage during disability periods.

2. Enhanced Employee Benefits: Offering better disability coverage can improve employee satisfaction, retention, and overall company morale. BGES Group can help businesses enhance their employee benefits package, which includes disability insurance, attracting and retaining top talent.

3. Expert Guidance and Support: Navigating the complex world of insurance can be daunting. BGES Group’s experienced professionals can provide expert guidance, answering any questions business owners may have regarding disability insurance and related matters.

4. Compliance and Cost-Effectiveness: BGES Group ensures that businesses remain compliant with all relevant laws and regulations while providing cost-effective disability coverage solutions. They strive to strike a balance between comprehensive coverage and affordability.

Conclusion

New York State disability insurance is a vital safety net for employees facing disabilities outside of work. However, the current statutory limit of $170 a week might not be sufficient for many individuals to sustain their living expenses in the high-cost state. The Paid Family Leave Act is a step in the right direction but doesn’t entirely address the needs of non-family caregiver employees.

To bridge this gap, businesses can partner with BGES Group, benefiting from their expertise in crafting tailored disability insurance plans, enhancing employee benefits packages, and ensuring compliance and cost-effectiveness. By taking proactive steps to improve NYS disability coverage, businesses can support their employees during challenging times and foster a positive work environment.

In conclusion, it is essential for New York businesses to consider the importance of better disability coverage, both for the welfare of their employees and the success of their organizations. By working with BGES Group, they can navigate the intricacies of NYS disability insurance and provide the support their workforce needs when facing unexpected challenges.

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.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

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

Young Asian man with a broken leg sitting on the sofa. Close up of the crutch.

For New York contractors, securing group health insurance can be a complex and challenging task. With the ever-increasing costs of healthcare, finding comprehensive coverage at affordable rates has become crucial. Fortunately, joining a buying group can offer numerous benefits, and one of the leading options in the market is the BGES group. In this article, we will explore what New York contractors should look for in group health insurance, examine various cost-reducing options available, and highlight how BGES group provides expert advice to help contractors secure the best plans for their needs.

1. Understanding Group Health Insurance for Contractors:

Group health insurance provides coverage to a group of individuals, such as employees of a company or members of an association. For New York contractors, opting for group insurance can offer significant advantages, including lower premiums, comprehensive coverage, and potential tax benefits.

When considering group health insurance, contractors should evaluate the size of their workforce, the budget they can allocate for insurance, and the specific needs of their employees. It is essential to consider factors such as age demographics, medical history, and the types of coverage required, such as preventive care, prescription drugs, and mental health services.

2. What to Look for in Group Health Insurance:

a. Comprehensive Coverage: Contractors should seek plans that offer a wide range of medical services, including hospitalization, outpatient care, emergency services, and specialist consultations. Comprehensive coverage ensures that employees receive the medical attention they need without incurring excessive out-of-pocket expenses.

b. Network of Providers: Access to a broad network of healthcare providers, hospitals, and specialists is crucial. Contractors should choose plans that include preferred providers in their area to ensure convenient and high-quality care for their employees.

c. Cost-Effective Premiums: Premiums vary across different plans, so contractors should explore multiple options to find the most cost-effective solution that meets their coverage requirements.

d. Deductibles and Co-pays: Balancing premiums with deductibles and co-pays is essential. Lower premiums may come with higher out-of-pocket expenses, so contractors should weigh these factors when selecting a plan.

e. Prescription Drug Coverage: Adequate coverage for prescription drugs is vital to help employees manage their healthcare costs effectively.

3. Options for Reducing Health Insurance Costs:

a. Health Savings Accounts (HSAs): HSAs allow employees to set aside pre-tax funds to cover qualified medical expenses. This reduces taxable income and can provide significant savings for both contractors and employees.

b. Flexible Spending Accounts (FSAs): FSAs are similar to HSAs but are funded with pre-tax dollars deducted from employees’ paychecks. Contractors can offer FSAs to help employees cover medical expenses not covered by insurance.

c. Wellness Programs: Implementing wellness programs can promote healthier lifestyles among employees, leading to potential cost savings through reduced medical claims and increased productivity.

d. Cost-Sharing Plans: Contractors can explore options like High Deductible Health Plans (HDHPs) with Health Reimbursement Arrangements (HRAs) or Health Savings Accounts (HSAs) to lower premiums while still providing comprehensive coverage.

4. BGES Group: A Trusted Choice for New York Contractors:

BGES group stands out as a prominent option for New York contractors seeking group health insurance. With a wealth of experience in the industry, BGES offers expert advice to guide contractors through the complex world of insurance options.

BGES collaborates with one of the best group health experts in the industry, providing contractors with personalized guidance to select the most suitable plans for their specific needs. Moreover, their expert team is available to assist with day-to-day questions and concerns, ensuring that contractors and their employees receive ongoing support for their health insurance needs.

5. The Best Approach for Purchasing Coverage:

The following steps outline the contractors’ best approach for purchasing group health insurance coverage:

a. Research and Compare: Conduct thorough research to understand the available group health insurance options in the market, considering coverage, network of providers, and pricing.

b. Engage with an Expert: Seek guidance from experts like those at BGES group to receive personalized advice and gain insights into the intricacies of group health insurance.

c. Assess Employee Needs: Analyze the healthcare needs of employees and select a plan that aligns with their requirements while staying within the budget.

d. Negotiate and Customize: Negotiate with insurers and explore customization options to tailor the plan to the contractors’ unique needs.

e. Monitor and Review: Continuously monitor the plan’s performance and make adjustments as needed to ensure it continues to meet the evolving needs of the workforce.

Conclusion:

Group health insurance is a valuable asset for New York contractors, providing comprehensive coverage and cost savings for both the company and its employees. By choosing the right plan with essential features, evaluating cost-reducing options, and seeking expert advice from BGES group, contractors can secure optimal coverage that meets their budget and provides peace of mind for their employees’ health and well-being.

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.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

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

Group Health Insurance – New York

Group Health Insurance for New York Contractors

Worker Accident Insurance Disability Compensation And Social Benefits

Contractors in New York face unique challenges and risks in their day-to-day operations. To protect themselves and their employees, it is crucial for contractors to have the right insurance coverage. Two essential types of insurance that contractors in New York must consider are contractors insurance and workers’ compensation insurance. In this comprehensive guide, we will explore the importance of these insurance policies, their key differences, and how contractors can navigate the complexities of workers’ compensation insurance in the state of New York.

I. Contractors Insurance: Safeguarding Your Business

Contractors insurance, also known as general liability insurance, is a vital coverage that protects contractors against financial losses resulting from property damage, bodily injury, or personal injury claims. As a contractor in New York, your business faces various risks, such as damage to client property, accidents on job sites, or claims of negligence.

Contractors insurance typically covers legal fees, medical expenses, and damages associated with lawsuits filed against your business. It provides a safety net in case of accidents, helping contractors maintain financial stability and preserve their reputation.

Some key components of contractors insurance may include:

1. General Liability Coverage: This protects against third-party claims for bodily injury, property damage, or personal injury caused by your business operations.

2. Property Coverage: This covers damage to your own property, such as tools, equipment, or buildings.

3. Completed Operations Coverage: This safeguards contractors against claims arising from completed projects or services.

4. Advertising Injury Coverage: This protects against claims of slander, libel, or copyright infringement related to your advertising activities.

II. Workers’ Compensation Insurance: Protecting Your Employees

Workers’ compensation insurance is mandatory for most employers in New York, including contractors. This insurance provides benefits to employees who suffer work-related injuries or illnesses. It is designed to cover medical expenses, wage replacement, disability benefits, and rehabilitation costs.

Key points regarding workers’ compensation insurance for contractors in New York include:

1. Legal Requirement: Contractors are obligated by law to carry workers’ compensation insurance, regardless of the number of employees they have. Failure to comply can result in severe penalties and legal consequences.

2. Coverage Details: Workers’ compensation insurance typically covers medical treatment costs, disability benefits, vocational rehabilitation, and death benefits. It ensures that injured workers receive necessary medical care and wage replacement during their recovery.

3. Cost Considerations: The cost of workers’ compensation insurance for contractors in New York is influenced by various factors, including the nature of the business, the number of employees, and the contractor’s claims history.

4. Independent Contractors: While independent contractors are generally not eligible for workers’ compensation coverage, misclassification can lead to legal disputes. It’s important to properly classify workers to ensure compliance with state regulations.

III. Navigating Workers’ Compensation Insurance in New York

To navigate the complexities of workers’ compensation insurance in New York, contractors should follow these essential steps:

1. Understand Legal Requirements: Familiarize yourself with the specific workers’ compensation requirements for contractors in New York, including deadlines for reporting injuries and filing claims.

2. Choose the Right Insurance Provider: Select an insurance provider with experience in workers’ compensation for contractors. Consider their reputation, financial stability, and customer service track record.

3. Evaluate Coverage Options: Work closely with your insurance provider to tailor coverage that meets your specific needs. Ensure your policy adequately covers your employees and aligns with the risks associated with your business operations.

4. Maintain a Safe Work Environment: Implement robust safety protocols to reduce workplace accidents and injuries. Regularly train employees on best practices and provide necessary safety equipment.

Conclusion

Contractors insurance and workers’ compensation insurance are vital components of risk management for contractors in New York. By securing comprehensive coverage, contractors protect their businesses, employees, and clients from unforeseen accidents and liabilities. To navigate the complexities of workers’ compensation insurance, contractors should stay informed about legal requirements, choose a reputable insurance provider, and prioritize workplace safety. By doing so, contractors can focus on their projects with peace of mind, knowing they have the necessary insurance coverage in place.

BGES Group, one of the leading workers compensation specialists in the tri-state area, is set to revolutionize the insurance industry by partnering with accountants to offer their clients comprehensive workers compensation insurance. By extending their services to a wider audience, BGES Group aims to provide specialized coverage and support to businesses in need, while also creating a secondary source of ongoing residual income for their partnering accountants.

Workers Compensation Insurance: Protecting Businesses and Employees

Workers compensation insurance plays a vital role in safeguarding businesses and their employees from the financial burden of workplace injuries and illnesses. It ensures that workers receive proper medical care and compensation for lost wages, while providing employers with protection against potential lawsuits. Recognizing the importance of this coverage, BGES Group has positioned itself as a trusted provider, offering tailored workers compensation insurance solutions to businesses of all sizes and industries.

Workers Compensation Premium Recovery: Optimizing Business Finances

In addition to providing workers compensation insurance, BGES Group also specializes in workers compensation premium recovery. Many businesses are often overcharged for their workers compensation premiums due to various factors such as incorrect classifications, inaccurate claims history, or outdated payroll information. BGES Group utilizes their expertise to analyze and audit insurance policies, identify errors, and assist businesses in recovering overpaid premiums. This unique service not only benefits businesses by optimizing their financial resources but also adds value to the accountant-client relationship.

Creating a Secondary Source of Ongoing Residual Income

By partnering with accountants, BGES Group offers a remarkable opportunity to create a secondary source of ongoing residual income. Accountants possess valuable insights into their clients’ financial situations and are trusted advisors in matters of business management. By incorporating workers compensation insurance into their service offerings, accountants can now extend their expertise to help clients navigate the complex insurance landscape. Through this partnership, accountants can earn referral fees or commissions on policies sold and renewals, while also strengthening their role as a comprehensive financial resource for their clients.

BGES Group: The Tri-State’s Leading Workers Compensation Specialists

BGES Group has earned a stellar reputation as one of the tri-state area’s foremost experts in workers compensation insurance. With a diverse range of programs covering various industries, BGES Group can cater to the unique needs of different businesses. Whether a client is facing cancellation, non-renewal, or has a poor loss experience, BGES Group’s experienced team can step in to provide personalized solutions and support. Their deep understanding of the insurance market and access to multiple carriers allows them to secure the best coverage options for clients, even in challenging circumstances.

A Collaborative Approach for Optimal Results

The partnership between BGES Group and accountants is built on the principles of collaboration and mutual benefit. Accountants, armed with their clients’ financial information and risk profiles, can provide valuable insights to BGES Group, enabling them to develop tailored insurance solutions that align with each client’s unique requirements. On the other hand, BGES Group’s specialized knowledge in workers compensation insurance equips accountants with a powerful tool to enhance their services and address the evolving needs of their clients.

Conclusion

BGES Group’s strategic partnership with accountants marks an exciting development in the world of workers compensation insurance. By extending their expertise to a broader audience, BGES Group aims to protect businesses, optimize their finances through premium recovery, and establish a reliable source of ongoing residual income for partnering accountants. With their commitment to excellence and a wide range of specialized programs, BGES Group has solidified its position as a trusted workers compensation insurance provider in the tri-state area. Whether a client is in need of coverage, premium recovery, or expert advice, BGES Group is ready to assist, ensuring that businesses and their employees receive the protection they deserve.

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

Business partnership meeting in office

Introduction

BGES Group is a trusted insurance agency committed to meeting the unique insurance needs of Tri-State roofing contractors. With a focus on general liability, umbrella, and workers’ compensation coverage, BGES Group offers specialized insurance programs tailored to the roofing industry. This article explores how BGES Group can assist Tri-State roofing contractors in securing the right insurance coverage for their businesses.

Understanding the Importance of Insurance for Roofing Contractors

Roofing contractors face a multitude of risks and liabilities associated with their trade. From potential property damage claims to workplace accidents, it is crucial for roofing businesses to have comprehensive insurance coverage. General liability insurance safeguards against third-party property damage or bodily injury claims, while workers’ compensation provides financial protection in case of employee injuries. Additionally, umbrella insurance offers an added layer of protection by extending coverage limits beyond what is provided by underlying policies. Partnering with an experienced insurance agency like BGES Group can help roofing contractors navigate these complexities and ensure adequate coverage.

BGES Group’s Specialized Insurance Programs

BGES Group understands the unique challenges faced by Tri-State roofing contractors and has developed specialized insurance programs to address their specific needs. These tailored programs take into account the risks inherent in the roofing industry and provide comprehensive coverage options. With a deep understanding of local regulations and industry best practices, BGES Group can help roofing contractors obtain insurance policies that align with their business requirements.

General Liability Insurance

BGES Group offers robust general liability insurance solutions to protect roofing contractors against potential property damage or bodily injury claims. This coverage extends to accidents that may occur at job sites, as well as any damage caused by the roofing operations. By customizing policies to suit individual contractor needs, BGES Group ensures that Tri-State roofing contractors have appropriate coverage in place to mitigate potential financial risks.

Workers’ Compensation Insurance

BGES Group recognizes the importance of workers’ compensation insurance for roofing contractors, given the physical nature of the job. In the event of employee injuries, this insurance coverage provides medical benefits and wage replacement, helping to alleviate the financial burden on the business. BGES Group’s expertise in the roofing industry enables them to tailor workers’ compensation policies to meet the specific requirements of Tri-State roofing contractors, ensuring compliance with state regulations and providing comprehensive protection.

Umbrella Insurance for Added Protection

BGES Group’s umbrella insurance policies offer Tri-State roofing contractors additional peace of mind by extending the coverage limits of their existing general liability and workers’ compensation insurance. This extra layer of protection can be crucial in situations where claims exceed the limits of the underlying policies. BGES Group’s insurance specialists work closely with roofing contractors to assess their coverage needs and determine appropriate umbrella coverage, providing an added safety net for potential liability risks.

Conclusion

Tri-State roofing contractors can rely on BGES Group to address their insurance needs with specialized programs designed specifically for their industry. Whether it’s general liability, umbrella, or workers’ compensation insurance, BGES Group’s tailored solutions and deep industry expertise ensure that roofing contractors have the right coverage in place to protect their businesses and employees. Contact BGES Group today to secure the comprehensive insurance coverage your roofing business deserves.

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.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

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

Roofer builder worker dismantling roof shingles

Introduction

When it comes to asbestos abatement contractors in New York, having the right insurance coverage is crucial. The BGES Group understands the unique challenges these contractors face and offers comprehensive insurance solutions. From general liability to workers’ compensation, BGES Group is your trusted partner, providing reliable coverage and peace of mind.

Catering to Asbestos Abatement Contractors  

Asbestos abatement contractors play a vital role in ensuring the safety of buildings and occupants. However, they also face specific risks that require specialized insurance coverage. BGES Group understands these challenges and offers tailored insurance programs designed to meet the needs of asbestos abatement contractors in New York.

Comprehensive General Liability Coverage

BGES Group takes pride in representing the best general liability insurance companies in the industry. Our expertise allows us to provide asbestos abatement contractors with comprehensive coverage that protects them against liability claims arising from property damage, bodily injury, or personal injury. We understand the complexities of the industry and can customize coverage to address the specific risks faced by asbestos abatement contractors.

Flexible Workers’ Compensation Programs

In addition to state workers’ compensation programs, BGES Group offers alternative workers’ compensation options. We recognize that asbestos abatement contractors may have unique requirements, and our team works closely with contractors to provide flexible solutions tailored to their needs. By partnering with top-rated insurance carriers, we offer competitive rates and comprehensive coverage for workers’ compensation, ensuring contractors have the protection they require.

Addressing Contractor Challenges

Asbestos abatement contractors often face various challenges that can affect their operations and financial stability. BGES Group is dedicated to assisting contractors in overcoming these obstacles by providing customized insurance solutions. Whether it’s dealing with regulatory compliance, managing risk, or protecting against potential lawsuits, our knowledgeable team is here to help.

Conclusion

For New York asbestos abatement contractors, BGES Group is the trusted insurance partner that understands the unique needs of the industry. With our expertise in general liability, workers’ compensation, and personalized insurance programs, we offer comprehensive coverage to safeguard contractors and their businesses. Let us be your go-to resource for all your insurance needs, providing peace of mind and support every step of the way.

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.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

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

Benevento, Campania, Italy – February 23, 2016: Two skilled workers with protective suits during the remediation of a site by asbestos pipes. The tubes before being removed were treated with protective paints and sealed in approved plastic bags and labeled before being transported to landfill.

When it comes to operating as a contractor in New York, having a comprehensive general liability insurance policy is crucial. Such coverage provides protection against various risks and potential liabilities. BGES Group, a trusted insurance agency, specializes in assisting New York contractors in obtaining the best general liability policies tailored to their specific needs. This article explores how BGES Group can help contractors navigate the complex world of insurance and obtain the most suitable policy, whether including or excluding labor law coverage.

Understanding General Liability Insurance

Before delving into BGES Group’s services, it’s essential to understand the basics of general liability insurance. This type of policy safeguards contractors against third-party claims arising from property damage, bodily injury, or personal injury. Accidents can occur on construction sites, and if contractors are held responsible, general liability insurance can cover legal expenses, medical costs, property damage, and settlements.

BGES Group: Tailoring Policies for New York Contractors

BGES Group is a reputable insurance agency with extensive experience in the New York construction industry. They possess in-depth knowledge of the specific insurance requirements and challenges faced by contractors in the state. BGES Group works closely with contractors to understand their unique circumstances, project types, and risk profiles, enabling them to tailor policies accordingly.

Inclusion of Labor Law Coverage

Labor law coverage is a crucial consideration for New York contractors due to the state’s strict regulations. Labor Law 240 and 241 impose substantial liability on contractors in cases of worksite accidents and injuries. Contractors seeking general liability policies that include labor law coverage can rely on BGES Group to help them navigate this specialized area. By working with multiple insurance carriers, BGES Group can provide contractors with policies that offer the appropriate level of protection against labor law-related claims.

Exclusion of Labor Law Coverage

While labor law coverage is essential for some contractors, others may prefer to exclude it from their general liability policies. Excluding labor law coverage can potentially reduce insurance costs. BGES Group understands that each contractor has unique risk tolerances and operational considerations. They can help contractors explore policies that exclude labor law coverage while ensuring they maintain adequate protection against other general liability risks.

Conclusion

BGES Group stands out as a valuable partner for New York contractors seeking the best general liability insurance policies. With their expertise in the construction industry and understanding of the state’s unique insurance requirements, they can guide contractors through the complexities of insurance selection. Whether contractors require policies that include or exclude labor law coverage, BGES Group is well-equipped to provide tailored solutions. By securing a comprehensive general liability policy, contractors can protect their businesses, projects, and reputation, allowing them to focus on what they do best—delivering exceptional construction services.

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.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

A young African woman mine worker wearing protective wear is looking at the camera with coal mine equipment in the background

Introduction:

For contractors operating in New York, understanding the intricacies of liability insurance and legal requirements is crucial for protecting their businesses and managing potential risks. In particular, two key aspects to consider are labor law coverage and contractual liability. In this article, we will delve into these topics, explaining their significance and highlighting the role of BGES Group in assisting contractors with their business insurance needs.

I. Labor Law Coverage:

New York State labor laws, particularly Sections 240 and 241 of the New York Labor Law, impose strict liability on contractors for workplace accidents involving certain types of hazardous activities. As a result, contractors are legally responsible for providing a safe working environment and can be held liable for injuries suffered by their employees or other workers on a construction site.

1. Understanding Labor Law 240 (the “Scaffold Law”):

Labor Law 240, commonly known as the Scaffold Law, imposes liability on contractors for gravity-related accidents, such as falls from heights or falling objects. This law places a significant burden on contractors, as they are held strictly liable for injuries resulting from inadequate safety equipment or failure to adhere to safety protocols.

2. Labor Law 241:

Under Labor Law 241, contractors are responsible for ensuring compliance with specific safety standards and regulations outlined by the New York State Industrial Code. Failure to meet these requirements can result in liability for accidents and injuries occurring on construction sites.

II. Contractual Liability:

In addition to labor law coverage, contractors must also consider contractual liability when procuring insurance coverage. This type of liability arises from contractual agreements between contractors, property owners, and other parties involved in a construction project.

1. Understanding Contractual Liability:

Contractual liability refers to the legal obligation imposed by a contract. Contractors often enter into agreements that outline their responsibilities, including indemnification clauses, hold-harmless agreements, and requirements for additional insured status. These contractual obligations can expose contractors to significant liability if they fail to fulfill their contractual duties.

III. BGES Group: Assisting Contractors with Business Insurance Needs:

BGES Group is a specialized insurance agency that understands the unique risks faced by contractors and provides tailored insurance solutions to meet their specific needs. Here’s how BGES Group can help:

1. Comprehensive Coverage:

BGES Group offers a wide range of insurance products, including general liability insurance, workers’ compensation insurance, commercial auto insurance, and professional liability insurance. These coverages are designed to protect contractors from the financial consequences of accidents, injuries, property damage, and lawsuits.

2. Expert Guidance:

With extensive knowledge of the New York construction industry and its insurance requirements, BGES Group provides expert guidance to contractors. They can assist in assessing risks, determining appropriate coverage limits, and ensuring compliance with relevant laws and regulations.

3. Customized Solutions:

BGES Group understands that each contractor’s insurance needs are unique. They work closely with contractors to develop customized insurance programs that address specific risks and concerns, providing peace of mind and financial protection.

4. Claims Support:

In the unfortunate event of a claim, BGES Group provides dedicated claims support to help contractors navigate the process effectively. They act as advocates for their clients, ensuring timely resolution and fair outcomes.

Conclusion:

Contractors in New York face significant liability risks due to labor laws and contractual obligations. Understanding the nuances of labor law coverage and contractual liability is essential for protecting businesses and minimizing financial exposure. BGES Group serves as a valuable partner for contractors, offering specialized insurance solutions and expert guidance to meet their unique business insurance needs. By partnering with a trusted insurance agency like BGES Group, contractors can focus on their work with the confidence that their insurance requirements are being met efficiently and effectively.

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.

 

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

 

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

 

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

 

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

Architect inspects construction from the inside

Labor Law Coverage for New York Contractors

Contractual liability for New York Contractors

Introduction

The efficient functioning of a logistics company relies heavily on a dedicated workforce. However, with a physically demanding industry comes the inherent risk of workplace injuries. Workers’ compensation insurance plays a crucial role in safeguarding both employees and employers, providing financial protection and medical support in case of accidents or illnesses related to work. One notable partner in the realm of workers’ compensation insurance for logistics companies is the BGES Group. In this article, we will explore how the BGES Group assists logistic companies in navigating the complexities of workers’ compensation insurance and ensures the well-being of their employees.

Section 1: Understanding Workers’ Compensation Insurance

Workers’ compensation insurance for logistic companies is a specialized form of coverage that protects employees in the event of work-related injuries or illnesses. It offers medical benefits, wage replacement, and rehabilitation services to workers who suffer from job-related accidents or occupational diseases. This insurance is designed to provide financial assistance and support to employees during their recovery while also protecting employers from potential lawsuits.

Section 2: The Role of BGES Group in Workers’ Compensation Insurance

The BGES Group is an insurance brokerage firm that specializes in assisting logistic companies with their workers’ compensation insurance needs. Their team of experts understands the unique challenges faced by this industry and works diligently to provide tailored solutions. Here’s how the BGES Group supports logistic companies:

1. Risk Assessment and Analysis:

The BGES Group begins by conducting a thorough analysis of a logistics company’s operations, identifying potential risks and hazards within the workplace. This assessment helps determine the appropriate coverage needed to address these risks adequately.

2. Customized Insurance Programs:

Based on the risk assessment, the BGES Group designs customized insurance programs specifically tailored to meet the needs of the logistics industry. These programs provide comprehensive coverage, ensuring that both common and industry-specific risks are adequately addressed.

3. Carrier Selection and Negotiation:

The BGES Group has established strong relationships with reputable insurance carriers. They leverage these connections to negotiate competitive rates and favorable terms on behalf of their clients. By analyzing carriers and their track records, they ensure that the selected insurance carriers have a solid reputation for prompt claims handling and reliable customer service.

Section 3: Claims Management and Support

In the unfortunate event of a workplace accident or injury, the BGES Group remains committed to providing ongoing support throughout the claims process. Their services include:

1. Claims Advocacy:

The BGES Group acts as an advocate for the logistic company, assisting in the filing of claims and representing their best interests. They navigate the complex paperwork, ensuring accuracy and timeliness while facilitating effective communication between the injured employee, the employer, and the insurance carrier.

2. Return-to-Work Programs:

BGES Group understands the importance of helping injured employees return to work promptly. They collaborate with logistic companies to develop return-to-work programs that accommodate modified duties or assist in the transition back to full duties. These programs aim to minimize downtime and facilitate the employee’s recovery process.

Section 4: Continuous Monitoring and Risk Mitigation

Beyond initial policy implementation, the BGES Group offers ongoing monitoring and risk mitigation services to ensure the long-term success of logistic companies. This includes:

1. Claims Review and Analysis:

The BGES Group conducts periodic reviews of claims to identify trends and potential areas for improvement. By analyzing claim data, they provide valuable insights to help logistic companies proactively address safety concerns and implement measures to prevent future incidents.

2. Safety and Loss Control Programs:

BGES Group assists in developing and implementing safety programs to mitigate risks within the logistics company’s operations. These programs focus on training employees, identifying and eliminating hazards, and promoting a culture of safety.

Conclusion

The BGES Group plays a vital role in supporting logistic companies with their workers’ compensation insurance needs. By providing comprehensive coverage, personalized insurance programs, claims management assistance, and ongoing risk mitigation services, they help ensure the well-being of employees while safeguarding the financial stability of logistic companies. Through their expertise and commitment to excellent service, the BGES Group assists in mitigating risks, reducing downtime, and promoting a safe work environment. By partnering with the BGES Group, logistic companies can navigate the complexities of workers’ compensation insurance with confidence, knowing that they have a dedicated team working in their best interests.

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 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, Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help any tri-state employer.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, they offer long-term coverage stability and can cover multi-state operations.

We offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

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 for Truckers

Workers Comp for Truckers

semi tractor trailer driving on the highway in the evening