Insurers are increasingly using social media to track down workers who are perpetrating workers’ compensation fraud by faking injuries or staying on the dole after they have healed up.
Category Archives: Uncategorized
Training Your Non-English-Speaking Employees in Safety
Language barriers can present real threats to worker safety, particularly in certain industries that employ a larger share of non-native English speakers.
Only 57% of U.S. agricultural workers in 2019 were born in this country, including Puerto Rico, according to U.S. Census Bureau data. One-quarter of construction workers in 2020 were foreign-born.
Occupations in these industries can be among the most dangerous. Language barriers that prevent effective communication about safe work practices present a significant problem for achieving workplace safety.
OSHA requires employers to train their workers on:
-
Injury prevention by performing tasks safely.
-
Injury protection by wearing protective clothing and gear.
-
Necessary steps after an injury occurs.
Unfortunately, language barriers make effective training on these topics difficult. OSHA requires employers to provide training to employees in “a language and vocabulary” they can understand.
However, simply providing signs and written instructions in non-English languages is not enough.
What employers can do
Here are some measures you can consider taking to overcome language barriers to workplace safety:
Training programs — Depending on how proficient workers are in English, you can modify safety training by:
-
Providing training interpreters for workers with low proficiency.
-
Speaking more slowly and clearly enunciating words for those who are more proficient.
-
Providing visual aids and demonstrations.
Pairing — Have low English-proficiency workers pair with experienced workers who can demonstrate safe practices and supervise their progress.
If resources are limited, this can be done for the first days or weeks of the person’s employment. The more dangerous the work, the longer the pairing arrangement should ideally last.
Interpreters — If a large percentage of the workforce does not speak English, consider hiring interpreters to be on-site. Interpreters can relay instructions and warnings from supervisors to workers in words they understand, while also responding to supervisors in English with worker questions and concerns.
Written content translation — Provide written instructions in multiple languages, appropriate to the specific workforce, for workers who are literate. Keep in mind, however, the possible differences in dialects.
Pay to have employees learn English — If it is within your budget, consider paying for English classes for workers who need them. This may make communication easier and improve employee loyalty.
Hire multilingual employees — Look for employees who, for example, speak both English and Spanish. This puts less of the burden on the non-English speaker and may make the workplace feel more inclusive.
The takeaway
Ideally, language differences should not prevent employers from giving opportunities to earn a living to those who do not speak English.
Providing a workplace that is safe for all employees will reduce workers’ compensation benefit costs and help you hire and retain desirable employees.
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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
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 can help contractors set up proper risk transfer. We offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening and numerous ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan. We represent many and know who offers excellent service.
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 – 2022 – BGES Group
Proposed Rule Could Turn Independent Contractors into Employees
The Biden administration has proposed a new federal rule that will make it more difficult for employers to classify workers as independent contractors.
If the new rule takes effect, companies that use independent contractors will have to reevaluate their relationships with these outside workers. Companies who hire contractors that work exclusively for them will have the hardest time trying to continue classifying them as independent.
The debate about classifying workers has been brewing for decades. Under the federal Fair Labor Standards Act (FLSA), employees have rights to benefits that elude independent contractors, including the rights to a minimum wage, overtime pay, unemployment insurance, health insurance, sick time and employer contributions to Social Security taxes. Their employers also purchase workers’ compensation insurance to cover them if they are injured on the job.
Companies that misclassify workers as independent contractors can face significant fines and back taxes, as well as their workers’ compensation insurer clawing back premiums the employer should have paid. Misclassifying workers also gives companies that do this an unfair advantage over their competitors that don’t.
The proposed rule
The proposal would allow an employer to classify someone as an independent contractor if, “as a matter of economic reality,” that person is in business for themselves.
What “economic reality” is depends on the answers to the following questions taken together. Note: One answer by itself does not make a person an independent contractor.
Can the worker increase their pay only by working more hours or producing more?
If so, this might make the person an employee. Conversely, can he or she do so by negotiating pay, selecting projects, marketing their service, or cutting expenses? That would tend to make them an independent contractor.
Does the employer purchase most of the worker’s tools and equipment?
This might make the person an employee. On the other hand, if their investments are for purposes like expanding the types and amounts of work they can do or cutting expenses, that might tend to make them an independent contractor.
The proposed rules do not provide a specific dollar threshold for this.
Does the employment relationship have a definite end date?
If so, this implies that they’re an independent contractor. Otherwise, they might be an employee.
How does the employer control the worker, and how much?
The worker may be an employee if the employer:
-
Sets their schedule
-
Supervises the work
-
Explicitly limits their ability to work for others
-
Can discipline the individual
-
Monitors their activity.
The less control the employer has, the more likely the worker is an independent contractor.
Is the person’s work integral to the employer’s business?
The more integral the work is, the more likely the person is to be an employee. The less integral it is, the more likely they are to be an independent contractor.
Does the worker use specialized skills developed outside the employment?
If the worker doesn’t use specialized skills or depends on the employer for training, they are more likely to be an employee. If the person brings those skills to work and does not rely on the employer for training, they are more likely an independent contractor.
The current rule
The U.S. Supreme Court has on a number of occasions indicated that there is no single rule or test for determining whether an individual is an independent contractor or an employee for purposes of the FLSA. Still, among the factors which the Court has considered significant are:
-
The extent to which the services rendered are an integral part of the principal’s business.
-
The permanency of the relationship.
-
The amount of the alleged contractor’s investment in facilities and equipment.
-
The nature and degree of control by the principal.
-
The alleged contractor’s opportunities for profit and loss.
The takeaway
The proposal must go through a mandatory public comment period ending in late November 2022, followed by the publication of a final regulation that may differ from the proposal. This process will take several months.
We’ll keep you posted about the new rules and provide further guidance in the future.
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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
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 can help contractors set up proper risk transfer. We offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening and numerous ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan. We represent many and know who offers excellent service.
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 – 2022 – BGES Group
Why You Can’t Afford to Not Have Professional Liability Insurance
Architects, engineering firms, graphic design businesses and other service providers are increasingly being sued for alleged poor work quality, contract breach or missing deadlines — and jury awards are rising.
The costs of defending against a lawsuit of that type could quickly mount, even if you come out victorious in the end.
But a commercial general liability policy won’t help pay for your defense. You’ll specifically need a professional liability insurance to help cover the costs of litigation, settlements or judgments. Without a policy, the costs can quickly sink a small firm.
The unfunded lawsuit
Here’s a scenario that could leave you scrambling for funds. You run an engineering firm and a manufacturer sues your business after one of the machine parts that you designed failed, causing one of the client’s machines to seize up, resulting in $58,000 in damage to the machine and production downtime.
The lawsuit accuses your firm of negligence. Your business could be facing serious financial hardship as the suit asks for the cost of repairs and the lost production.
Here’s what you’re looking at:
-
Attorneys’ fees — Depending on where you live, these can range from $150 to $400 an hour, or more if you go with a topflight law firm.
-
Court expenses — Fees for copying, filing and other miscellaneous tasks all add up.
-
Other legal fees — You may need to call expert witnesses, as well.
-
Damages or settlements — Even if you try to reach a settlement with your client, they may opt to take the case to trial in hope of winning the full amount of the damages they are claiming.
You can see how the costs can quickly mount and if it gets to a damages or settlements stage, the costs will increase significantly.
You should know too that even if the case was frivolous, you’d still have to pay attorneys to defend it and file motions to have it tossed out of court. That alone could run you at least $5,000 in legal fees — a lot of money to pay out of pocket.
In fact, the U.S. Small Business Administration estimated in a recent study that legal costs for litigation ranged from $3,000 to $150,000, and only one-third of small business owners reported spending less than $10,000.
And there can be other fallout, as well. Perhaps word has gotten out about the lawsuit, damaging your reputation and ability to attract new clients and retain existing ones.
And if one client has sued, others who may have held off and had similar experiences could also file suit.
Professional liability insurance
A professional liability policy could have saved you from these significant expenses. The coverage, which is relatively inexpensive, is what’s known as “claims-made” coverage.
That means your policy must be active when the alleged incident occurred and when the claim is filed, in order to receive your benefits.
Client allegations that your work caused them a financial loss are often covered by a professional liability policy.
This type of insurance can cover errors and oversights with your work, as well as legal fees and the cost of settlements or judgments.
Cost: The average yearly cost of professional liability insurance for a small firm, regardless of the limits chosen or the industry of the business, was $985 in 2015, according to the Insurance Information Institute. The median was $758.
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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
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 can help contractors set up proper risk transfer. We offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening and numerous ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan. We represent many and know who offers excellent service.
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 – 2022 – BGES Group
Litigation Grows Over Wire-Transfer Fraud Coverage
Businesses hit by wire transfer scams are increasingly finding it difficult to get their claims paid under their insurance policies unless they have either a crime or cyber insurance policy that covers “computer fraud.”
Wire fraud occurs when an employee is duped by someone posing in an e-mail as a company executive or trusted client into wiring funds into the fraudster’s account. Courts around the country have held that this type of fraud is covered under the computer fraud portion of policies, which is a big win for policyholders.
If you want to ensure that you are covered against this increasingly common crime, you should review your insurance policies, particularly if you have crime or cyber insurance. If you don’t have one these policies, you may be out of luck if your company has funds stolen in this manner.
How wire transfer fraud works
-
Criminals identify the individual in the company who can authorize a wire transfer, such as a senior manager or owner. They may also identify a person in one of the company’s trusted clients.
-
Once they know who can authorize a transfer, they will work to compromise their e-mail account through malware or other means so they can hijack it and send e-mails from it. Alternatively, they may set up an e-mail account with an address that closely resembles that of the authorized individual.
-
The scammers then use the e-mail account to send messages to employees and instruct them to wire funds to a designated account, and — poof — the money’s gone after the employee complies.
What the courts are saying
Courts have mostly found that computer fraud provisions under cyber and crime insurance policies cover this type of fraud, according to a recent blog by two partners at the law firm of Cohen Ziffer Frenchman & McKenna in New York. They noted that:
-
In 2018 and 2019, the Second, Sixth and 11thS. District Courts all found in three separate cases that an insurer’s computer fraud coverage must pay for the losses of policyholders who have been hit by this type of crime.
The courts rejected insurers’ arguments the computer fraud portion of their policy was negated when employees took specific action to initiate the wire transfers.
-
In 2022, the Ninth U.S. District Court found that a $200,000 loss suffered by a property management company was the result of computer fraud and was hence covered under two parts of their insurance policy: under the computer fraud and funds transfer fraud provisions.
-
Also in 2022, the U.S. District Court in Alaska found that the city of Unalaska’s crime insurance policy’s computer crime and “impersonation fraud” provisions would both cover a $638,000 million loss the city suffered in a wire-transfer fraud event.
The insurer had contended that only the impersonation fraud coverage (which had a limit of only $100,000) applied and not computer crime coverage, which had a $1 million limit. The court disagreed and ordered that the insurer pay the entire claim of $638,000, minus the $25,000 deductible.
Cohen Ziffer writes: “The Unalaska decision represents a significant win for policyholders who seek coverage for wire fraud losses beyond their policy’s “social engineering” or “impersonation” coverages and reaffirms the long-held rule that these types of losses fall squarely within the “computer fraud” coverage provided by many crime and cyber policies.”
What you can do
If you have cyber insurance, you should sit down with us so we can help you review your policy to see if and how it would cover this type of attack. A policy may specifically cover wire transfer fraud under separate social engineering or impersonation fraud coverage, which often will have lower liability limits than the computer fraud portion of the policy.
Also, premiums have been rising quickly for cyber insurance and some insurers may scale back coverage for wire transfer fraud as these crimes grow. It’s doubly important that you know what your policies will cover. For some companies a robust cyber-crime policy may be enough.
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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Workers Compensation Insurance, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
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 can help contractors set up proper risk transfer. We offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening and numerous ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or non renewed; 4) Workers Compensation 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan. We represent many and know who offers excellent service.
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 – 2022 – BGES Group
Costlier Reinsurance Is Feeding into Higher Commercial Policy Rates
Commercial insurance companies are raising rates in most of their lines to account for increasing claims as well as the cost of claims, but another factor is forcing them to increase their rates further: reinsurance.
When insurance companies underwrite policies, they will often not retain all of the risk. They will purchase reinsurance, which kicks in when claims reach what is considered a “catastrophic level.”
These global reinsurance giants have seen their profits erode substantially in the last few years due to the rising cost of natural catastrophes around the world, forcing them to increase what they charge insurance carriers.
These moves are trickling down into the primary insurance market in the form of further rate increases.
Property catastrophe reinsurance rates in the U.S. have risen by almost 15% in 2022 from the year prior, according to the Guy Carpenter U.S. Property Catastrophe Rate-on-Line Index.
Another report found that reinsurance rates for general and professional liability insurance has also been on the rise, averaging nearly 13% so far in 2022.
What’s happening
Reinsurance is a vital part of the insurance industry. It helps insurance companies pass on the cost of expensive claims by “ceding” — or paying — part of the premium you pay to the reinsurer. In exchange, the insurer agrees to take on the cost of claims. Insurance companies buy reinsurance for most lines of coverage including property, liability, workers’ comp and cyber insurance.
Reinsurers are taking steps to mitigate their exposure after being pummeled by a confluence of factors including:
-
Increasingly large natural catastrophe claims payouts,
-
Increasingly large jury awards in liability cases,
-
Geopolitical uncertainty from the war in Ukraine,
-
Liability payouts resulting from the COVID-19 pandemic,
-
Skyrocketing inflation around the world, and
-
Significant investment losses due to stock market volatility this year (reinsurers’ capital dropped by 11% in the first half of 2022 to $647 billion, hurt by financial market declines, according to broker Gallagher Re).
Reinsurers have responded in different ways:
Raising rates — A survey of insurance executives by Moody’s Investor Service predicts that reinsurance rates for property risks will increase between 7.5% and 10% at the Jan. 1, 2023 renewals.
Limiting capacity — Some reinsurers are pulling back and not taking on as much risk as they have in the past. They may limit exposure by capping the amount of policies or amount of coverage they are willing to underwrite. Some have pulled out of underwriting policies for properties in high-risk areas.
Increasing attachment points — Many reinsurers are raising the attachment point for coverage, which is essentially like your insurance company raising your deductible. That means the insurance company will be on the hook for a larger portion of claims costs. That in turn may prompt the insurer to raise its own rates.
What it means for you
When reinsurers raise both rates and their attachment points, it trickles down to primary policies such as yours.
This compounds the effects that higher claims costs are already having on commercial policies. There are signs that reinsurance rate hikes may accelerate in 2023. The insurance rating firm of A.M. Best Co. says that reinsurance rates have been lagging behind increases in primary insurance rates since 2018 and are now catching up.
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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
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 can help contractors set up proper risk transfer. We offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening and numerous ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan. We represent many and know who offers excellent service.
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 – 2022 – BGES Group
New York Contractors – Looking for Better Liability Rates and/or Coverage from a “Construction Insurance Specialist” Who Can Get the Job Done for YOU? For Help Call Gary Wallach at 914-806-5853.
Are you a New York contractor (we cover the tri-state area) who is sick and tired of getting hit with large rate increases every year?
We are “Construction Insurance Specialists,” started in 1981 and service the states of New York (Our Office is in Westchester County), New Jersey and Connecticut.
–> We just saved a New York contractor more than $50,000 on their Contractor Liability and Contractor Umbrella Liability policies. They were paying $72,000 for their general liability. We reduced it to $38,000. They were paying $64,000 for their umbrella liability. We reduced it to $23,000.
Here’s What We Can Offer You and We are All About Helping YOU:
-
Access to GREAT construction insurance programs
-
Premium savings of up to 40%+
-
Quality coverage
-
Expert advice from great construction insurance specialists
-
When you call, you’ll be treated like a $10 million dollar account…V.I.P.!
-
You’ll never having to wait on hold when you call
-
Quick turn around for certificates
-
Quick response to emails
-
Quick response to texts
-
We can help you screen subs insurance
-
We can help screen your client’s insurance requirements
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.
About Other Agencies:
-
A lot of agencies have become too big for their bridges
-
They have constant employee turnover
-
Most account executives rarely market client’s accounts
-
They wait till the last minute to give you your renewal quotes
-
Their employees work like “Sleppers” and take their time getting you what you need
-
It’s hard to get someone on the phone
-
You may have an account executive who has a bad attitude
-
A lot of account executives have so much work they can’t service your account properly. For example, does anyone ever make a coverage recommendation?
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.
About The BGES Group:
-
We offer boutique service
-
We have book smarts
-
We have street smarts
-
We have incredible marketing and pricing leverage with companies
-
We know which companies best fit your needs
-
We fight every renewal so you pay the least amount possible and get the best coverage for your money
-
We don’t sell crap
-
We are very trustworthy
-
We are very reliable
-
You want to work with someone whose always helpful and there for YOU? Whose one of the most reliable people you’ll ever want to deal with? Who when they say something they do what they say?
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.
These days it’s a good idea to be aligned with smart, reliable, non flaky, always pleasant, street fighters who are honest, decent people and who know what they’re doing and care about YOU the client.
Note: A lot of agencies have been acquired by others and have turned into factories with people revolving in and out their doors. In our opinion, they are “Hazardous to Your Wealth!”
CONTRACTOR ALERT! Looking for a Pay As You Go Workers’ Compensation Program with no annual audit? If you have experienced a terrible audit, try our market that will take away this headache! Call Gary at 914-806-5853 and get a quote today!
Here’s What People Have to Say About Us:
Sarah S.
Gary is a considerate and honest guy. I have nothing but respect for him and 5 stars isn’t enough.
Nick S.
Over 20 years of excellent relationship that has met all our insurance needs.
Steve S.
My previous Workers Comp insurer was always trying to reclassify employees to put them in higher risk groups to raise the premium (despite no claims in over 5 years). Broker at the time wasn’t helping. Gary was recommended by a friend and did a phenomenal job. Found new insurer for less money who then, a year later, further reduced premium after the audit! I’m now paying 40% less than I used to and only 1/4 of what my old insurer wanted to jack the rate to.
SANJA C.
Gary is a great, responsible, professional…someone you can rely on. I would highly recommend him.
George K.
Since I transferred my insurance policy to BGES Group I have saved a lot on the rates and service is a first class. Always get immediate response to all my needs. It’s a A Plus from me.
Elena E.
My broker, Gary Wallach, is the BEST! He’s professional and a pleasure to deal with. Always has the answers for me and is quick to respond to my emails and phone calls. This is one reason I remain a loyal BGES Group customer. Good Rates on all my insurance needs too!
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
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, Workers Compensation Insurance, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
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 can help contractors set up proper risk transfer. We offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening and numerous ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or non renewed; 4) Workers Compensation 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan. We represent many and know who offers excellent service.
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 – 2022 – BGES Group
Many Injured Workers Feel Unsupported, Frustrated by Claims Process
A recent study has found that injured workers are often left feeling frustrated and fending for themselves after they file a workers’ compensation claim.
The survey of injured workers by researchers at the University of Waterloo in Ontario, Canada found that workers reacted in a number of ways when experiencing “procedural” unfairness, frustration in how their claim is being handled, or poor communications from their claims adjuster or employer. Some give up, some react confrontationally, others quit.
The study confirms what other studies have shown: Employers need to be actively involved in helping workers navigate the workers’ comp system, keep in touch with them to lend assistance and provide support, including a feasible return-to-work program.
Otherwise, they risk having a disgruntled injured worker who may take longer to recover or secure the services of a lawyer. And once lawyers enter the picture, the more likely it is that their injury will drag out and the cost of the claim will increase substantially.
The claims process can be confusing and unfair to injured workers. The amount of money they receive when they are not working and on the mend is less than their paycheck, and poor communications often leave them languishing and wondering when they can return to work.
Negative feelings
Many claimants have a number of negative emotions when embroiled in the workers’ comp claims process, including feeling:
-
Confused,
-
Angry,
-
Frustrated,
-
Unsupported,
-
Abandoned
-
Disappointed, and
-
Wary.
Others did report some positive emotions, including determination and optimism.
Issues that caused negative feelings include:
-
Uncertainty about how to access work compensation programs.
-
Reluctance to speak up about their claim for fear of losing their jobs.
-
Not receiving adequate modified work so they can return to work early.
-
Receiving inadequate medical care.
-
Their employer trying to suppress the claim.
-
Unresponsive claims adjusters.
What you can do
Throughout the recovery process, communication is the key. Maintaining contact with your employee and keeping in touch with the attending physician about available work will help reduce anxiety about returning to work.
For many workers that may mean modified work with restriction to avoid reinjury. You may also consider having them work from home, if feasible.
Encourage an injured employee to follow through with recommended care to avoid long-term complications whenever possible.
If your worker is not getting a response from their claims adjuster, offer to assist them.
Check in with your worker regularly and let them know their colleagues miss them and are hoping they’ll soon be back on the job.
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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Workers Compensation Insurance, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation insurance, bid & performance bonds and group health coverages. We can help contractors set up proper risk transfer. We offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening and numerous ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or non renewed; 4) Workers Compensation 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan. We represent many and know who offers excellent service.
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 – 2022 – BGES Group
Contractors – If You Go Work In Florida To Help With Clean Up You Need To Know This About Your Workers’ Compensation Coverage.
As a result of the significant damage in Southwest Florida caused by Hurricane Ian, many tri-state contractors will be assisting with storm clean-up and repairs.
Please note the State of Florida does not recognize the “ All States Endorsement” on Workers’ Compensation policies, so to protect your interests, if you decide to work in Florida, YOUR Workers’ Compensation policy needs to be endorsed to specifically include the state of Florida.
If you have coverage through a state plan, coverage cannot be extended to cover Florida for weeks or months at a time. Therefore, you will need a policy that can cover both states or a new policy to cover just Florida. The only issue you may have is both Workers’ Compensation companies picking up the same payrolls. Check with your insurance companies as to what documents they need to avoid this from happening.
We have a Workers’ Compensation program to cover you in both states.
To ensure that you are adequately covered under your Workers’ Compensation policy, Florida will need to be added to section 3A of the policy.
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’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Workers Compensation Insurance, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
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 can help contractors set up proper risk transfer. We offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening and numerous ways to lower your insurance costs.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or non renewed; 4) Workers Compensation 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan. We represent many and know who offers excellent service.
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 – 2022 – BGES Group
Contractors – Looking for New General & Umbrella Liability Policies with Lower Rates, Better Coverage and First Class Service? How About a Workers’ Comp Pay As You Go Program With No Annual Audits?
—> We just saved an upstate demolition contractor $30,000+ on their General and Umbrella Liability coverage. They were paying $100,000+, our quote $61,000+ (with umbrella)!
—> We represent a new program that if we can get you into, can save you a lot of money and better your coverage too! Call 914-806-5853 and get a quote today!
–> Looking for a Pay As You Go Workers’ Compensation Program with no annual audit? If you have experienced a terrible audit, try our market that will take away this headache! Call Gary at 914-806-5853 and get a quote today!
Does Your General & Umbrella Liability Policies Have:
-
High rates
-
Coverage problems with customers
-
Height restrictions
-
Subcontractor restrictions
-
Labor Law and employee injury exclusions
-
Strict restrictions on type of work you can perform
-
Strict restrictions on residential or commercial work you can perform
-
Exterior work restrictions
Would you Like a Liability Policy That:
-
Coverage is accepted by most if not all customers
-
Has no height endorsement
-
Covers subcontractors without strict conditions
-
Covers “Contractual Liability” properly
-
Covers “Additional Insured’s” properly
-
Certificates are usually issued in an hour or less