Workers’ compensation insurance is a vital part of protecting your business and employees. Whether you operate in New York, New Jersey, or Connecticut, having the right coverage ensures compliance with state laws and financial security in the event of workplace injuries. However, many business owners find themselves frustrated with their current insurance provider due to high premiums, poor service, or claim mishandling.

If you’re unhappy with your current workers’ compensation provider, BGES Group is here to help. As a trusted insurance expert in the Tri-State area, we specialize in securing the best coverage for businesses of all sizes, ensuring competitive pricing and superior service. Below, we outline 10 ways BGES Group can assist you in finding better workers’ compensation coverage.

10 Ways BGES Group Can Help You

1. Lower Your Workers’ Compensation Costs

Many business owners overpay for their workers’ compensation insurance without realizing it. BGES Group has access to specialized programs and multiple carriers, allowing us to find you the most cost-effective policy without compromising on coverage.

2. Provide Access to Exclusive Programs

BGES Group offers unique programs tailored to high-risk industries, such as construction, trucking, and manufacturing. If you’ve been denied coverage or hit with high premiums, we can find a specialized program that suits your needs.

3. Assist in Resolving Claims More Efficiently

If your current provider is slow to process claims or disputes them unfairly, it can put your business at risk. BGES Group works closely with insurers that handle claims efficiently, minimizing disruptions and ensuring injured employees receive the care they need.

4. Ensure You’re Properly Classified

Incorrect classification of employees can lead to higher premiums. Many insurance companies use broad classifications that don’t accurately reflect your business operations. BGES Group will review your classifications to ensure you’re not overpaying due to misclassification.

5. Help You Avoid Audits and Penalties

Insurance audits can be stressful, especially if your provider frequently finds errors that lead to penalties or higher premiums. We help business owners stay prepared for audits and ensure all documentation is accurate, preventing costly surprises.

6. Offer Pay-As-You-Go Workers’ Compensation

Many businesses struggle with large upfront premium payments. BGES Group offers pay-as-you-go workers’ compensation solutions that align with your payroll, making cash flow management easier and reducing the risk of audit adjustments.

7. Provide Personalized Customer Service

Unlike large, impersonal insurance agencies, BGES Group provides a boutique-like experience. You’ll work with knowledgeable experts who understand your industry and are available to answer your questions whenever you need assistance.

8. Help You Comply with State Laws

Each Tri-State state has unique workers’ compensation regulations. Failing to comply can result in hefty fines or legal action. BGES Group ensures your business meets all regulatory requirements, keeping you compliant and protected.

9. Offer Bundled Solutions with Payroll and Group Health Insurance

If you’re looking for a more streamlined approach to managing business expenses, BGES Group can bundle your workers’ compensation insurance with payroll services and group health insurance. This not only simplifies administration but can also lead to cost savings.

10. Secure Coverage for Higher-Risk Businesses

If your business operates in a high-risk industry like construction, asbestos removal, or trucking, you may struggle to find affordable workers’ compensation insurance. BGES Group specializes in securing coverage for businesses that other providers turn away.

Don’t Stay Stuck with the Wrong Insurance Provider!

If you’re unhappy with your current workers’ compensation insurance provider, it’s time to explore better options. BGES Group is committed to helping Tri-State business owners find the right coverage at the best price. Our expert team understands the challenges you face and works diligently to ensure you get the protection and service your business deserves.

Contact BGES Group Today!

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Let BGES Group take the frustration out of workers’ compensation insurance. Contact us today for a free consultation and see how we can improve your coverage and save you money!

When it comes to running a business in New York, New Jersey, or Connecticut, ensuring proper workers’ compensation coverage is crucial. Many business owners, especially contractors, often believe the only option available is a state or assigned risk plan. However, BGES Group is here to reveal the wide range of options that can better suit your needs while saving you money and hassle.

Traditional Workers’ Compensation Policies: The Standard Route

Most business owners are familiar with standard workers’ compensation policies offered by insurance companies. These “stand-alone” policies provide guaranteed rates for one year, with fixed monthly premiums. To secure coverage, companies typically require a deposit of up to 25%, with another deposit due upon renewal.

Some insurers also offer pay-as-you-go plans, where premiums are based on actual payroll. This flexibility benefits businesses with fluctuating payrolls, ensuring they only pay for the coverage they need. While this route works for many, it’s far from the only option—especially if your business falls into a higher-risk category.

Payroll and Workers’ Compensation Plans: A Hidden Gem

One lesser-known yet highly effective option is a payroll-integrated workers’ compensation plan. BGES Group partners with a company that has successfully offered this program for over 24 years. What makes this plan unique?

1. Long-Term Stability: With more than two decades of proven success, this plan offers reliable, stable coverage—an essential factor for contractors and other high-risk businesses.
2. Coverage for Riskier Industries: Unlike many insurers, this program can cover demolition contractors, roofers, auto services, limousine services, and truckers.
3. Simplified Payments: Premiums are deducted from payroll, making budgeting easier and eliminating large deposits.

Other payroll companies also offer workers’ compensation, but they often work with conservative insurers that avoid high-risk businesses. Additionally, some add hidden fees, inflating the overall cost. That’s why it’s essential to work with experts like BGES Group to find the right fit.

Professional Employer Organizations (PEOs): A Lifeline for Challenged Businesses

If your business has poor loss experience, high experience modification rates, or past coverage cancellations, Professional Employer Organizations (PEOs) can be a game-changer. PEOs combine payroll services with workers’ compensation coverage, operating as co-employers. This structure allows them to offer competitive rates and extensive provider networks.

PEOs can also bundle health insurance, providing an affordable option for businesses seeking comprehensive employee benefits. For those struggling to secure coverage through traditional means, PEOs offer a practical, often cost-effective solution.

Solving Common Workers’ Compensation Challenges

Business owners often encounter obstacles when seeking or maintaining workers’ compensation coverage. BGES Group specializes in addressing these challenges head-on. Here’s how they can help:

1. High-Risk Business Categories: From asbestos abatement to roofing, BGES Group works with up to 25 companies to secure coverage for high-risk industries outside state plans.
2. Poor Loss Experience: For businesses with significant claims, BGES Group has access to specialty programs that provide coverage despite past losses.
3. Audit Disputes: When audits result in unfair premium increases, BGES Group helps correct mistakes and find new coverage if necessary.
4. Avoiding Annual Audits: Depending on your state and plan, they can find programs with minimal audit requirements.
5. Misclassified Payroll: If your payroll has been incorrectly classified, BGES Group ensures proper class codes and rates—even securing refunds for past overpayments.

Real-World Success Stories

BGES Group has a proven track record of helping businesses overcome significant hurdles. Two cases involved contractors with over $1 million in losses. These contractors faced astronomical premiums and limited coverage options. Thanks to BGES Group’s specialized programs, both secured new policies with better rates.

In another case, a contractor faced cancellation due to an audit dispute. The insurer demanded $41,000—an amount the contractor didn’t actually owe. BGES Group stepped in, resolved the dispute, and secured new coverage, preventing a costly lapse.

Navigating Multi-State Coverage

For businesses operating across state lines, ensuring proper coverage in each state is critical. BGES Group recently assisted a New York-based contractor who performed all their work in Connecticut. Despite their out-of-state operations, their existing policy didn’t cover Connecticut claims—a potential financial disaster waiting to happen. BGES Group swiftly corrected the coverage, protecting the business from significant liability.

Similarly, New York contractors working in New Jersey often face gaps in coverage. If an employee is injured in New Jersey, a New York policy typically won’t cover the claim. BGES Group ensures comprehensive, multi-state coverage, eliminating this costly oversight.

Why Choose BGES Group?

What sets BGES Group apart? It’s not just their expertise—it’s their commitment to exceptional service. When you call, you get Gary Wallach directly—no automated systems, no delays. Emails and texts receive prompt responses, and certificates of insurance are issued within minutes.

Unlike many competitors, BGES Group avoids excessive fees. While some brokers charge up to $10,000 in policy fees or 10% service fees, BGES Group prioritizes affordability, ensuring clients keep more of their hard-earned money.

Comprehensive Services Beyond Workers’ Compensation

While workers’ compensation is a specialty, BGES Group offers a full suite of insurance services, including:

• Property and Liability Insurance
• Umbrella Liability Coverage
• Business Auto Insurance
• Bid & Performance Bonds
• Inland Marine Coverage
• New York State Disability Insurance
• Group Health and Life Insurance
• Identity Theft Protection

Contractors benefit from tailored risk management programs, subcontractor screening, and strategies to lower insurance costs. With access to over 50 insurance companies, BGES Group ensures every client receives the best possible coverage.

Get the Right Coverage Today

Don’t let workers’ compensation challenges jeopardize your business. Whether you’re facing high-risk classifications, audit disputes, or multi-state coverage gaps, BGES Group has the expertise and resources to find the right solution.

Call Gary Wallach at 914-806-5853 today—day or evening, Monday through Sunday—and discover why BGES Group is the trusted partner for businesses throughout New York, New Jersey, and Connecticut. Protect your business, your employees, and your bottom line with the best workers’ compensation solutions available.

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Independent contractors often face high insurance costs, which can be a significant burden on their business finances. This FAQ blog explores how risk assessment can play a crucial role in potentially reducing these costs. Through careful evaluation and strategic planning, contractors may find effective ways to lower their insurance premiums.

Why is Risk Assessment Important for Insurance Costs?

Risk assessment is critical as it helps identify potential hazards and the likelihood of their occurrence. By understanding these risks, independent contractors can take proactive measures to mitigate them, which is often looked upon favorably by insurance providers.

By conducting a proactive risk assessment, contractors not only enhance their operational safety but also present themselves as lower-risk clients to insurers. This portrayal can lead to reduced insurance premiums, as providers often offer better rates to policies that include well-documented risk management strategies.

Understanding how different types of risks—such as physical, financial, or legal—affect your operations is fundamental. This insight enables contractors to implement targeted interventions that reduce the frequency and severity of potential claims, further influencing insurance costs positively.

How to Conduct an Effective Risk Assessment?

Start by reviewing all aspects of your work environment and procedures. Identify potential risks, evaluate their impact, and develop strategies to minimize them. This approach not only protects your operations but may also lead to lower insurance costs.

Engaging with professional insurance advisors can provide valuable insights into effective risk assessment techniques. These professionals can guide you in evaluating liability exposures and developing loss prevention methods that may ultimately lower insurance costs.

Regularly updating your risk assessment process to include new technologies and industry best practices can significantly reduce risks. By adopting modern safety equipment and innovative processes, independent contractors demonstrate a commitment to safety, which can positively impact their insurance dealings.

What Steps Can Be Taken to Minimize Risks?

Implement safety measures such as staff training, using quality equipment, and adhering to industry standards. By reducing the potential for accidents or claims, you can position your business as lower risk in the eyes of insurers.

Consider investing in ongoing safety education programs for your team. These programs can play a pivotal role in risk reduction by ensuring that everyone is up-to-date on the latest safety protocols and emergency procedures.

Establishing a safety-first culture is not only about compliance but about creating a resilient work environment. Encourage employees to report hazards and participate in safety committees to foster a collective approach to minimizing operational risks.

How Does Accurate Documentation Influence Insurance Costs?

Maintaining detailed records of safety protocols, training sessions, and incident reports can demonstrate a commitment to risk management. This transparency can lead to better negotiations with insurance providers for lower premiums.

Accurate documentation shows insurers that you have control over your business processes and a strong focus on minimizing risks. Insurers often provide discounts to businesses that can substantiate their risk management efforts with documented evidence.

Utilize digital tools to enhance the accuracy of your documentation. Digital systems help in maintaining precise records and ensure easy retrieval, which is especially crucial during insurance audits or policy renewals.

When to Review and Update Your Insurance Policy?

Regularly reviewing your insurance policies and risk assessments ensures they reflect current operations and risks. Doing this annually or after significant business changes can help maintain optimal insurance coverage at the best price.

Significant changes in your business, such as expanding services or relocating your operations, warrant an immediate review of your insurance policies. These changes might alter your risk profile, necessitating updates in coverage to remain fully protected.

Reviewing your insurance annually not only helps in aligning your policies with current needs but also offers a chance to compare quotes from different providers. This practice keeps your rates competitive, leading to potential savings on existing policies.

Strategize Your Way to Lower Insurance Costs

In conclusion, implementing a comprehensive risk assessment process can be an effective strategy for independent contractors aiming to reduce their insurance costs. By identifying risks, enhancing safety measures, accurately documenting processes, and regularly reviewing policies, contractors can work towards more affordable insurance premiums while safeguarding their business operations.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges. 

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2025 – BGES Group
 

In the construction world, efficiency and cost control are everything. To stay competitive, many contractors turn to independent contractors, also known as “1099 workers,” to meet their project needs. But while hiring 1099 workers may seem like an easy solution, it comes with legal, financial, and insurance implications that contractors can’t afford to ignore. This article breaks down the pros, cons, and potential pitfalls of relying on independent contractors.

What Is a 1099 Worker?

A 1099 worker is an independent contractor, not an employee. The term “1099” refers to IRS Form 1099-NEC, which businesses use to report payments made to independent contractors. Unlike W-2 employees, 1099 workers are responsible for their own taxes, benefits, and insurance.

According to the IRS and Department of Labor, independent contractors typically:

• Control their work: They decide how, when, and where they perform their tasks.
• Use their own tools: Independent contractors usually supply their own equipment and materials.
• Work for multiple clients: They aren’t exclusive to one company.
• Operate as a business: Many independent contractors have their own business entity.

If a worker doesn’t meet these conditions, they might be classified as an employee—even if they’re labeled as a 1099 worker.

What Isn’t Considered a 1099 Worker?

Misclassification happens when a worker is labeled as an independent contractor but legally qualifies as an employee. Here’s when a worker is not a 1099 contractor:

• Employer Control: If the contractor dictates the worker’s schedule, training, and specific work methods.
• Provided Tools: If the company supplies the worker’s tools, vehicles, or uniforms.
• Long-Term Relationship: If the worker works exclusively for one contractor for an extended period.
• No Business Entity: If the worker does not operate as an independent business.

Misclassification can lead to hefty fines and legal trouble, making it crucial for contractors to classify workers correctly.

Insurance Challenges When Hiring 1099 Workers

Insurance companies view 1099 workers differently from employees, and this can complicate a contractor’s insurance policy. Here’s why insurers may raise concerns:

1. Increased Risk: Independent contractors may not carry their own insurance, increasing risk exposure for the hiring contractor.
2. Workers’ Compensation Gaps: If a 1099 worker gets injured and lacks workers’ compensation insurance, they might seek coverage under the contractor’s policy.
3. Audit Surprises: During annual audits, insurance carriers may include uninsured 1099 workers in payroll calculations, raising premium costs.

Penalties for Misclassification

Misclassifying workers as 1099 contractors when they should be employees can lead to severe penalties:

1. IRS Penalties: Employers may face fines for unpaid employment taxes, including Social Security, Medicare, and unemployment.
2. State Penalties: Many states impose additional fines, sometimes exceeding $25,000 per violation.
3. Wage Claims: Misclassified workers can sue for unpaid wages, overtime, and benefits.
4. Insurance Penalties: Workers’ compensation carriers may retroactively adjust premiums and impose penalties for uninsured 1099 workers.

Workers’ Compensation and 1099 Workers

One common question contractors face is: If a 1099 worker gets injured, are they covered under the contractor’s workers’ compensation policy?

The answer depends on the worker’s classification and insurance status:

• If the 1099 worker has their own insurance: They are responsible for their own coverage.
• If the 1099 worker lacks insurance: The contractor’s workers’ compensation carrier might cover the claim, treating the worker as an employee. This can lead to premium increases and potential penalties.

To protect against this risk, contractors should:

1. Require all independent contractors to provide a valid Certificate of Insurance (COI).
2. Ensure the COI includes workers’ compensation coverage.
3. Keep detailed records of contracts and insurance documentation.

How BGES Group Can Help

Navigating workers’ compensation insurance with 1099 workers can be complex and costly if mishandled. That’s where BGES Group comes in. As specialists in workers’ compensation insurance, BGES Group helps contractors:

1. Secure Proper Coverage: Find affordable policies that protect against claims from uninsured 1099 workers.
2. Avoid Misclassification Pitfalls: Ensure proper worker classification to prevent fines and audits.
3. Manage Risk: Implement policies and procedures to protect your business from insurance gaps.

Contact BGES Group Today

Don’t let confusion around 1099 workers put your business at risk. Contact BGES Group today for expert guidance and a customized workers’ compensation solution.

📞 Phone: (914) 806-5853 – Gary wallach
✉️ Email: bgesgroup@bgesgroup.com
🌐 Website: www.bgesgroup.com

Protect your business, stay compliant, and focus on what you do best—building success!

New York’s Labor Laws 240 and 241, often called the “Scaffold Law,” impose strict liability on general contractors and property owners for elevation-related injuries suffered by workers. This means that if a worker falls from a height or is struck by a falling object due to inadequate safety measures, the general contractor and property owner can be held liable—even if they were not directly negligent.

For New York contractors, this law makes obtaining the right liability insurance crucial. Without proper coverage and contractual protections in place, a single claim can lead to devastating financial consequences. Let’s examine two scenarios involving a subcontractor’s employee falling off a ladder on a job site and how the presence (or absence) of an insurance and hold harmless agreement impacts the lawsuit and liability.

Scenario 1: The General Contractor Had a Signed Insurance and Hold Harmless Agreement

A homeowner hires a general contractor (GC) to remodel their home. The GC, in turn, hires a subcontractor (SC) to handle electrical work. The SC’s employee, while working on the project, falls from a ladder and sustains serious injuries.

Who Can the Injured Worker Sue?

Since this is a work-related injury, the subcontractor’s workers’ compensation insurance will cover the employee’s medical bills and lost wages. However, under Labor Law 240, the worker can sue the general contractor and the homeowner because they are legally responsible for providing a safe work environment.

How Does the Insurance and Hold Harmless Agreement Protect the GC?

If the GC required the SC to sign a hold harmless and insurance agreement, the subcontractor is contractually obligated to:

1. List the GC as an Additional Insured on their General Liability policy.

2. Defend and Indemnify the GC in case of a claim resulting from their work.

3. Provide Primary and Non-Contributory Coverage, meaning the SC’s insurance policy pays first before the GC’s policy is triggered.

When the injured worker sues the GC and homeowner, the GC can tender the claim to the SC’s insurance company, shifting the financial responsibility to them. This helps the GC avoid out-of-pocket costs, higher insurance premiums, or being stuck with liability.

Scenario 2: The General Contractor Did NOT Have a Signed Insurance and Hold Harmless Agreement

Now, let’s assume the GC failed to obtain a hold harmless and insurance agreement from the SC. The same worker falls off the ladder and files a lawsuit under Labor Law 240 against the GC and the homeowner.

Who Can the Injured Worker Sue?

Just like in the first scenario, the injured worker can sue both the GC and homeowner, regardless of fault. Since Labor Law 240 imposes strict liability, they don’t have to prove negligence—only that the injury resulted from an elevation-related risk.

What Happens Without a Hold Harmless Agreement?

1. The GC Cannot Shift Liability to the SC – Without a signed agreement, the GC cannot force the SC’s insurance company to cover the claim. The GC’s own General Liability and Umbrella Liability policies will have to respond, leading to potential premium increases or even policy cancellation.

2. The GC May Have to Pay Out of Pocket – If the insurance coverage is insufficient, the GC might have to cover legal fees and settlements personally.

3. The GC’s Insurer May Sue the SC – If the GC’s insurer ends up paying, they may attempt to recover costs from the SC through subrogation, but this is often a long and uncertain process.

Without a contractual agreement, the GC is at much higher risk financially. This is why it is critical for GCs to require all subcontractors to sign hold harmless and insurance agreements before starting work.

How BGES Group Can Help New York Contractors Obtain the Right Coverage

Navigating New York’s strict labor laws and complex insurance landscape can be challenging. This is where BGES Group comes in. As a specialist in New York construction insurance, we help contractors secure the right coverage to protect themselves from costly Labor Law 240 and 241 claims.

Why Contractors Turn to BGES Group

1. Access to Top-Tier Insurance Carriers – Many insurers are leaving the New York construction market due to the high risk. BGES Group works with specialty carriers that still provide coverage for GCs and subcontractors.

2. Customized Liability Insurance Solutions – We ensure our clients have:

• General Liability with Labor Law Coverage

• Umbrella/Excess Liability for additional protection

• Workers’ Compensation coverage that meets New York State requirements

3. Hold Harmless and Insurance Agreement Guidance – We help contractors draft and implement strong contractual agreements with their subcontractors to reduce liability exposure.

4. Competitive Pricing and Expert Advice – With years of experience in the industry, we negotiate the best coverage at the most competitive rates.

5. Fast, Responsive Service – When an issue arises, you need an insurance broker who acts fast. We pride ourselves on providing boutique-style service with personalized attention.

Protect Your Business Today—Contact BGES Group

Don’t wait until a lawsuit threatens your business. Make sure you have the right coverage and risk management strategies in place today.

Contact BGES Group for a Free Consultation

• Gary Wallach, Construction Insurance Expert

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

BGES Group is the go-to insurance specialist for New York contractors. We ensure you have the best liability protection available, so you can focus on growing your business with peace of mind. Call us today!

In the world of construction, unforeseen challenges can arise at any moment, making it essential for business owners and contractors to have the right protections in place. General contractor insurance provides a safety net that shields your company from unexpected incidents, ensuring a stable and secure future. This blog explores the importance of general contractor insurance and how it can safeguard your business operations.

Understanding General Contractor Insurance

General contractor insurance is a multifaceted coverage that provides protection against various risks inherent in the construction industry. It is designed to cover property damage, third-party injury claims, and even financial loss due to litigation involving the projects your business undertakes. This type of insurance not only protects the contractor but also the client and subcontractors involved in the construction process. The complexity of construction projects often introduces unforeseen challenges, and without appropriate insurance, contractors could face dire financial consequences. For a deeper dive into the specifics of this insurance, consider exploring general contractor insurance coverage.

Another essential aspect of general contractor insurance is its flexibility and adaptability to the unique needs of different projects and geographical locations. For instance, a construction site in New York may have different insurance requirements compared to one in a rural setting. Understanding these geographic differences can ensure that your coverage is well-suited to local regulations and risks. Discussing your needs with an experienced insurance provider who specializes in general contractor insurance requirements can help in crafting a policy that fulfills all necessary criteria.

Key Components of Coverage

The cornerstone of any robust insurance policy for general contractors is general liability insurance. This coverage protects against common risks such as third-party bodily injury or property damage, which are frequent occurrences in construction projects. In addition, workers’ compensation insurance is mandatory in most states to cover medical expenses and lost wages for injured employees. Legal mandates make it crucial for contractors to ensure compliance with these insurance requirements to avoid severe penalties or legal issues.

Beyond these basics, contractors might consider additional coverages such as professional liability insurance, which protects against claims related to errors and omissions during the planning and execution phase. Another critical component is property insurance, which protects against damage to construction materials and equipment due to theft, vandalism, or natural disasters. Implementing a comprehensive policy covering these areas is vital for safeguarding both financial investments and reputation. For more insight on the specifics of general contractor insurance cost, exploring resources like Progressive Commercial’s options can be beneficial.

Benefits of General Contractor Insurance

One of the primary benefits of securing general contractor insurance is the ability to shield your business from potential financial ruin due to lawsuits or accidents. This insurance acts as a financial safeguard, allowing businesses to operate with peace of mind knowing that they are protected against the unforeseen. Additionally, having comprehensive insurance can significantly enhance your company’s reputation and credibility in the competitive construction market.

Insurance not only protects but also opens up opportunities. Many clients require proof of insurance before signing on a contract, viewing it as a mark of professionalism and reliability. Moreover, certain government contracts specifically mandate that contractors carry sufficient insurance coverage, making it a crucial factor in the bidding process. This necessity is reiterated in local mandates and is a key point for discussion with a specialized insurance provider who can tailor a policy that’s effective and comprehensive.

Furthermore, general contractor insurance facilitates smoother business operations by allowing contractors to focus on the job at hand without being bogged down by potential liabilities. In the event of an accident or a lawsuit, the contractor can rely on the insurance policy to cover legal fees, settlements, and any other associated costs. This agility in addressing risks ensures business continuity and stability.

Choosing the Right Insurance Policy

Choosing an insurance policy requires careful consideration of various factors, including the nature of your projects, their geographical location, and the specific risks involved. It is advisable to begin with a detailed risk assessment that outlines potential liabilities and exposures. With this information, engaging with an insurance broker or agent can help narrow down the list of suitable policies. An efficient tactic is to leverage the insights from seasoned professionals who understand the nuances of construction insurance.

When comparing policies, pay attention to the coverage limits, deductibles, and the specifics of what is covered. Determine any potential gaps in coverage, especially if you work with a lot of subcontractors. As many insurance providers do not automatically cover subcontractors under a general liability policy, it is crucial to ensure that these gaps are addressed either by requiring subcontractors to carry their own insurance or by extending your policy. Consequently, understanding general contractor insurance requirements in your area is essential.

Additionally, the cost of premiums and the reputation of the insurance company are significant factors to consider. A lower premium might not always be indicative of the best policy, as it could mean lower coverage or a higher deductible. A well-regarded insurance company with a track record of fair and efficient claims handling can make all the difference during critical times. Seek out trusted insurance partners who have extensive experience with construction businesses to guide you through the policy selection process.

Common Myths about General Contractor Insurance

A pervasive myth is that general contractor insurance is only necessary for large firms. In reality, even small contractors are susceptible to lawsuits and accidents that can lead to substantial financial losses. Many entrepreneurs mistakenly believe that minimal insurance coverage is sufficient, only to realize too late that their policy does not cover certain liabilities or lawsuits in full.

Another common misconception is that individual liability insurance is enough to cover all potential risks. While individual policies might provide coverage to some extent, they often do not protect against the multitude of issues a contractor might face on the job. This is particularly true in urban settings where projects are complex, and regulations are stringent.

Some believe that insurance only benefits during a claim, underestimating its role in enhancing client trust and securing new projects. Clients are more likely to choose contractors who showcase professionalism with appropriate coverage. Dispel these myths to make informed decisions and secure the best possible protections for your business.

Securing Your Business’s Future

General contractor insurance is not merely an option—it’s a necessity for any construction business aiming to secure its projects and reputation. By investing in the right coverage, you protect your company from financial losses and enhance your credibility with clients and stakeholders. As the industry continues to evolve, staying informed about insurance options ensures that your business is prepared for whatever challenges lie ahead. To explore more about insurance options, visit our homepage.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges. 

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

If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
 
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2025 – BGES Group
 

As a business owner, you could be held liable for the actions of other people’s employees.

U.S. employment law has long recognized that workers may have an employment relationship with multiple entities at the same time. That means your company could get stung with OSHA fines, Title VII discrimination claims, and other actions that arise from the conduct of an employee you thought was a subcontractor.

Here’s Why:

In Secretary of Labor vs. Summit Contractors, the 8th Circuit ruled that companies exercising overall control of a job site can be held liable for workplace infractions—even when the individual or individuals directly responsible for the infraction were employees of another firm and no employees of the controlling employer were directly involved.

Furthermore, even if your company doesn’t exercise direct supervisory control of subcontractors, courts have held that a de facto employment situation exists if the controlling employer simply reserves the right to exercise control.

Protecting Yourself

Here are some ways to safeguard yourself from joint employer liability:

• Ensure that all subcontractors have employee liability insurance and general liability insurance of their own.
• Check the vendor or subcontractor’s track record with safety and OSHA-related claims.
• Research the subcontractor’s bonding history.
• Ensure your employer’s liability insurance covers claims that may arise from contractors and vendors working on your property or on worksites your company controls.
• Negotiate for an indemnification clause in any vendor contracts or subcontracting arrangements.
• Don’t rely on verbal assurances: Put the subcontractor’s responsibility for complying with OSHA standards and labor laws in writing as part of the contract.
• Hold regular safety meetings with representatives from the subcontractor’s firm and document them.
• Don’t sign a contract with a manpower or employee leasing firm unless you have reviewed it for liability exposure.
• Ensure the vendor or subcontractor provides job site supervision. At a minimum, ensure their management is checking on the site regularly. If all supervision is left to you, federal regulators may deem these workers to be your employees.
• Don’t discipline the subcontractor’s workers directly. Work through the subcontracting entity wherever possible. If your supervisors attempt to discipline their employees or direct their work too closely, courts may find that a de facto employment relationship exists with your firm, exposing you to liability.
• Train your middle managers and foremen not to act as supervisors to subcontractors’ employees and onsite vendors.
• Don’t lend heavy equipment, power tools, or vehicles to subcontractors unless you also send a designated operator. Contractors are expected to maintain their own equipment. When you send your own operator with equipment, you can help ensure the subcontractor doesn’t expose you to liability from an unqualified operator.

About BGES Group

BGES Group specializes in helping businesses protect themselves from liability exposure and risk management challenges. With extensive experience in employee liability insurance, OSHA compliance, and workplace safety solutions, BGES Group provides expert guidance tailored to your unique business needs.

Contact Information: Gary Wallach
BGES Group
Phone: 914-806-5853
Email: bgesgroup@gmail.com
Website: www.bgesgroup.com

For more information or to schedule an insurance and risk exposure review, call us today!

For many business owners, securing affordable and comprehensive workers’ compensation and group health insurance can be a challenge. Traditional insurance markets may be costly, particularly for small and mid-sized businesses. One alternative that has gained popularity is partnering with a Professional Employer Organization (PEO).

A PEO is a company that provides human resources services, payroll processing, compliance assistance, and employee benefits—most notably, workers’ compensation and group health insurance. By pooling employees from multiple companies into one large group, a PEO can often negotiate better rates and offer more robust benefits than a business could secure on its own.

But is a PEO the right choice for your company? Below, we explore the benefits and drawbacks of partnering with a PEO and introduce an alternative option: BGES Group, specialists in workers’ compensation insurance.

10 Benefits of Partnering with a PEO

1. Lower Workers’ Compensation Costs

Because a PEO pools employees from multiple businesses, it can negotiate lower workers’ compensation insurance rates. Businesses that may struggle to secure coverage due to industry risk factors can often find affordable options through a PEO.

2. Access to Group Health Insurance Plans

Small businesses often face high premiums when purchasing health insurance. A PEO allows companies to participate in large-group health insurance plans, giving them access to better benefits at lower costs.

3. Simplified Payroll Processing

PEOs handle payroll processing, tax filings, and compliance, ensuring that employee wages, withholdings, and tax payments are handled accurately and on time.

4. HR Compliance Assistance

Employment laws and regulations are constantly changing. A PEO provides guidance on HR compliance, helping businesses avoid costly legal mistakes related to hiring, terminations, workplace safety, and employee benefits.

5. Reduced Administrative Burden

By outsourcing HR, payroll, and benefits administration to a PEO, business owners can focus on growing their company instead of managing time-consuming paperwork.

6. Workplace Safety Programs

PEOs provide workplace safety training, risk management services, and claims management to help reduce workplace injuries and improve safety compliance.

7. Employee Benefits and Retirement Plans

PEOs can offer 401(k) plans, dental and vision insurance, and other benefits that small businesses might not be able to afford independently. These benefits help attract and retain top talent.

8. Faster Claims Management

In the event of a workplace injury, PEOs handle workers’ compensation claims efficiently, ensuring employees receive benefits quickly while minimizing disruptions to the business.

9. Better Hiring and Onboarding Processes

PEOs provide hiring and onboarding support, including background checks, job descriptions, and compliance with labor laws. This helps businesses make better hiring decisions.

10. Scalability for Growth

A PEO makes it easier for businesses to scale, whether by hiring across multiple states, expanding benefits, or adjusting HR policies as the company grows.

5 Drawbacks of Being in a PEO

While there are many benefits to joining a PEO, there are also some potential downsides to consider.

1. Loss of Control Over HR and Benefits

When a company partners with a PEO, it co-employs its workforce with the PEO. This means that while business owners still have managerial control, certain HR decisions—such as benefit offerings—are influenced by the PEO.

2. Potential for Higher Costs Over Time

While PEOs can offer cost savings, service fees and administrative costs can add up, especially if a company has low workers’ compensation claims or access to affordable standalone insurance options.

3. One-Size-Fits-All Approach

PEOs provide standardized benefits packages, which may not always fit a company’s unique needs. Customization can be limited, particularly for businesses looking for specialized coverage.

4. Difficulty Leaving the PEO

Exiting a PEO arrangement can be complicated. Companies must transition payroll, benefits, and workers’ compensation policies back in-house or to another provider, which can be time-consuming and costly.

5. Limited Carrier Choices

Most PEOs work with a select group of insurance carriers. If a business prefers a specific insurance provider or has an existing relationship with one, it may not have the flexibility to keep that provider under a PEO model.

BGES Group: An Alternative for Workers’ Compensation & Group Health Coverage

If your business is considering a PEO but wants to explore other options for workers’ compensation and group health insurance, BGES Group can help.

Why Work with BGES Group?

BGES Group specializes in workers’ compensation insurance, serving businesses in New York, New Jersey, and Connecticut. Unlike a PEO, which requires businesses to co-employ their workforce, BGES Group works directly with business owners to secure customized insurance solutions.

Here’s why businesses turn to BGES Group:

✔ Specialized Expertise – BGES Group focuses solely on insurance, meaning you get personalized service from a team that understands your industry’s risks and challenges.

✔ More Carrier Options – Unlike PEOs, which limit you to their provider network, BGES Group shops the market to find the best coverage at the most competitive rates.

✔ Flexibility & Control – With BGES Group, you maintain full control over your business, including HR decisions, payroll, and employee benefits.

✔ No Hidden Fees – PEOs often charge administrative fees that can add up over time. BGES Group does not charge separate fees, you get transparent pricing with no surprises.

✔ Dedicated Support – When you work with BGES Group, you get direct access to experienced insurance professionals, including Gary Wallach, who can help you navigate workers’ comp and group health coverage options.

Need Workers’ Compensation or Group Health Insurance? Contact BGES Group Today!

If you’re a business owner looking for affordable and customized workers’ compensation or group health coverage, BGES Group is here to help.

📞 Call Gary Wallach at: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: www.bgesgroup.com

Let BGES Group help you find the right insurance solution for your business—without the complications of a PEO.

The world of contractors—whether in construction, home renovation, or large-scale infrastructure projects—is filled with challenges, triumphs, and sometimes, a little bit of drama. Hollywood has captured the grit and determination of contractors in various ways, from intense dramas to action-packed thrillers. If you’re in the industry or just love a good story about hardworking professionals overcoming the odds, here are ten must-watch movies about contractors.

1. The Money Pit (1986)

If you’ve ever tackled a home renovation, The Money Pit will hit close to home. This classic comedy stars Tom Hanks and Shelley Long as a couple who buy what seems like a dream home—only to discover it’s a complete disaster. From collapsing staircases to plumbing nightmares, the film is a hilarious take on the trials and tribulations of home renovation. Contractors will appreciate the chaotic (yet all too familiar) job site scenes and the importance of hiring the right professionals.

2. Pacific Heights (1990)

Michael Keaton plays one of the worst tenants imaginable in this psychological thriller about a couple (Melanie Griffith and Matthew Modine) who renovate a house in San Francisco to rent out. Unfortunately, they unknowingly lease a unit to a manipulative and dangerous squatter. While the film is more about landlord nightmares than construction, it serves as a cautionary tale for contractors who take on rental property renovations.

3. The Fountainhead (1949)

A thought-provoking film based on Ayn Rand’s novel, The Fountainhead follows Howard Roark (Gary Cooper), an uncompromising architect who refuses to conform to traditional construction and design standards. His battle against societal expectations and corporate greed will resonate with contractors and builders who take pride in their craftsmanship and creativity.

4. Life as a House (2001)

Starring Kevin Kline, Life as a House is a deeply emotional drama about a dying architect who decides to rebuild his home while reconnecting with his estranged son. The film beautifully portrays how construction can be more than just a profession—it can be a way to heal and build relationships. The story showcases the dedication and personal passion that many contractors bring to their projects.

5. The Builder (2010)

This lesser-known independent film follows an Irish immigrant carpenter struggling to build a new life in America. The Builder is a slow burn, focusing on the difficulties of starting a contracting business, dealing with financial struggles, and navigating personal conflicts. If you appreciate realistic, character-driven stories, this one is worth a watch.

Attention Contractors: Protect Your Business with BGES Group!

At BGES Group, we understand the unique risks that contractors face. From workplace injuries to liability concerns, having the right workers’ compensation insurance can mean the difference between business success and financial disaster.

We proudly serve New York, New Jersey, and Connecticut, ensuring contractors get the best coverage at competitive rates. If you’re located outside the Tri-State area, don’t worry—we have an associate who services contractors nationwide.

Don’t leave your business unprotected! Call Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to discuss your workers’ comp, payroll, and liability insurance needs. You work hard—let us help protect what you’ve built!

6. Jerry and Marge Go Large (2022)

This feel-good comedy-drama starring Bryan Cranston and Annette Bening tells the true story of a retired contractor who uses his math skills to legally game the lottery. While the movie isn’t strictly about contracting, it highlights the intelligence and problem-solving mindset that many successful contractors share. Plus, it’s just a great, heartwarming story.

7. Towering Inferno (1974)

One of the greatest disaster films of all time, Towering Inferno follows a massive high-rise fire caused by subpar construction materials. Paul Newman plays the dedicated architect trying to save lives, while Steve McQueen is the heroic firefighter battling the blaze. The film serves as a powerful reminder of why quality craftsmanship and adherence to building codes are essential in the construction industry.

8. The Big Short (2015)

While The Big Short primarily focuses on the financial crisis of 2008, contractors will find its insights into the housing market crash fascinating. Many construction businesses suffered during the collapse, and the film explores the behind-the-scenes corruption and poor planning that led to the crisis. It’s a must-watch for contractors looking to understand the economic forces that impact their industry.

9. The Contractor (2022)

Chris Pine stars as a discharged special forces soldier who becomes a private contractor for a shadowy organization. While this action-packed thriller deals with military contracting rather than construction, it offers a look at the risks and ethical dilemmas of contract-based work in high-stakes environments.

10. The Lego Movie (2014)

Okay, this one is a bit unconventional, but hear us out. The Lego Movie is essentially about construction—on a massive scale. The film’s protagonist, Emmet, is a construction worker (or builder, in Lego terms) who discovers that his skills are more important than he ever realized. It’s a fun, family-friendly take on teamwork, creativity, and problem-solving—qualities every contractor needs.

Why Contractors Trust BGES Group for Their Insurance Needs

If you’re a contractor in New York, New Jersey, or Connecticut, you know how tough the industry is. From dealing with subcontractors to managing safety on job sites, the risks are everywhere. That’s why you need an insurance partner who understands your business inside and out.

At BGES Group, we specialize in providing workers’ compensation, liability insurance, and payroll solutions for contractors of all sizes. We know the industry, we know the challenges, and we have solutions that work for you.

Contact Us Today!

• Gary Wallach – Your go-to expert for contractor insurance

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Your business is your livelihood—protect it with BGES Group!

These ten films offer something for everyone, whether you’re looking for a laugh, a thrill, or an inside look at the challenges of being a contractor. And if you’re a contractor yourself, make sure your business is protected—because in real life, the right insurance can mean the difference between a setback and a catastrophe.

Choosing the right workers’ compensation insurance is a crucial step in safeguarding your business and ensuring the well-being of your employees. With numerous options available, making the right choice can seem daunting. This guide outlines indispensable tips that will simplify the process and help you select the best policy for your company.

1. Understanding Your State’s Requirements

Every state has its own regulations for workers’ compensation insurance, making it vital to stay informed. These statutes are designed to protect both the employee and employer, but can vary significantly in terms of mandatory coverage levels, exemptions, and premium rates. For instance, some states require businesses to cover certain independent contractors, while others do not. To effectively wade through these complexities, it’s wise to consult resources such as the United States Department of Labor for overarching federal advice or your state’s specific workers’ compensation agency for local guidelines. Adhering to these rules not only avoids legal complications but ensures that your employees receive the protection they deserve in case of workplace injuries. Compliance is the foundation upon which further selection of policies should be built, ensuring no stone is left unturned in understanding the mandatory requirements of your jurisdiction.

Apart from legal compliance, understanding state-specific nuances can also influence how you tailor your company’s policy. For example, some states offer credits or incentives for businesses that implement robust safety programs, which not only enhances workplace safety but may also reduce your overall insurance costs. Familiarizing yourself with these incentives can lead to cost savings and a safer working environment, which is a win-win for everyone involved.

2. Evaluating Coverage Options

The scope of coverage you select for your workers’ compensation insurance can have far-reaching implications on both your employees’ welfare and your financial stability. At a baseline, ensure that the policy includes core elements such as medical benefits and wage replacement. However, consider additional provisions that might be necessary depending on your industry. For example, if operating in a sector prone to high-risk activities, comprehensive coverage against workplace-related accidents becomes crucial. Think beyond the obvious: include protection against potential rehabilitative needs or long-term disability care that an employee might require after an onsite injury. You might find that some policies even extend to protecting your business from litigation initiated by an injured worker, a feature known as ‘Part B employer’s liability’; it’s an aspect that is vital for safeguarding against unforeseen legal challenges.

Industry-specific risks should not be underestimated. For instance, construction companies could benefit from policies that offer elaborate coverage plans including options for injuries offsite or those involving heavy machinery mishaps. Furthermore, evaluate whether the policy facilitates return-to-work programs, which assist employees in transitioning back to employment post-recovery. Such measures not only reduce insurance costs in the long term but also reflect a commitment to employee welfare, enhancing job satisfaction and loyalty.

3. Assessing the Provider’s Reputation

The reputation of the insurance provider you choose largely determines the quality of service you receive. Start by examining customer reviews and ratings on independent platforms. A provider with consistently high marks in these areas is more likely to offer reliable customer service and effective claims handling, essential attributes for any insurance policy. Moreover, a reputable insurer often boasts a robust financial backbone, ensuring that they can meet their obligations even amid widespread claims resulting from natural disasters or economic downturns. Scrutinize the provider’s history—how long have they been in business, and what is their track record in terms of client satisfaction? An enduring presence in the industry often signals stability, reliability, and a wealth of experience that can be invaluable in managing complex claims.

The significance of a seasoned insurance provider extends further than just stability; it also encompasses their ability to adapt to the evolving needs of businesses. Look for insurers that have evolved with industry trends, introducing innovative offerings such as online claim processing or teleconsultations for injured employees. In an era that values fast, efficient service, an insurer’s readiness to incorporate technology into their services can be a decisive factor, ensuring you and your employees can easily navigate through the claims process without unnecessary delays.

4. Comparing Premium Costs

When assessing the premium costs for workers’ compensation insurance, finding balance is important. While it’s tempting to gravitate towards the cheapest option, it’s essential to consider what each policy’s premium truly covers. Examine how the premium rates are calculated: factors such as industry-specific risks, payroll size, and claims history greatly impact these costs. For example, businesses with a history of frequent claims may incur higher premiums, while those with commendable safety records could benefit from lower rates. Implementing a proactive safety program not only garners lower premiums in the future but also underpins the long-term health and productivity of your workforce.

In addition to comparing raw numbers, take note of how the premiums align with the services provided by the insurer. A slightly higher premium might offer more comprehensive care, faster claim processing, or additional support such as on-site safety assessments. Weigh the potential benefits each policy could bring to your specific operation. As you navigate through the premium assessments, consider whether the provider offers any financial flexibility, such as installment plans or pay-as-you-go options, which can ease the monetary burden on your cash flow and offer peace of mind that expenses are manageable.

5. Identifying Hidden Fees

Hidden fees in workers’ compensation policies can be an unpleasant surprise, significantly affecting your budget. It is crucial to conduct a meticulous review of the policy details. These fees might include administrative costs or charges for services that you thought were bundled with the original plan. For instance, some providers charge for additional reports or audits, which are common in industries managing large, fluctuating workforces. Ensure every detail of the fee structure is clear and that you can accurately project the financial commitment involved. Transparency in this area not only helps in budgeting but also fosters trust with your chosen provider.

6. Checking for Flexibility in Policy Terms

As businesses evolve, so do their insurance needs. Check whether the workers’ compensation policies you’re considering offer the flexibility to adapt as your business grows or transitions. Some insurers may provide adjustable coverage options or the ability to scale benefits according to changes in the workforce or operational scope. This flexibility can be crucial for startups or businesses facing rapid changes due to industry trends. Moreover, verify if the provider allows you to customize your policy inclusions; such creativity in policy design allows for protecting specific elements crucial for your unique operational circumstances.

7. Reviewing Claim Handling Process

The claims process can often be the truest test of an insurer’s effectiveness. An inefficient process not only delays compensation but can also add stress to both employees and business owners alike. Delve into the specifics of how each provider handles claims. Look for insurers that offer dedicated claim support services and transparent claims tracking from submission to resolution. Ideally, the provider should have a clear protocol for communication, ensuring that essential updates are communicated promptly. A provider offering advanced technology for online claim filing or dedicated mobile apps for transparency can significantly streamline the process. It’s also wise to inquire about the average claim processing time for the provider; faster processing can make a world of difference for employees relying on timely support for their recovery journey.

8. Understanding Exclusions in Coverage

Exclusions in a workers’ compensation policy can lead to unforeseen liabilities, making it essential to understand them thoroughly before committing. Typical exclusions might involve specific injuries not covered, such as those resulting from drug and alcohol use, acts of self-harm, or injuries incurred during off-duty hours. Recognize how these exclusions align with your business needs, and whether there are any applicable exceptions. Know what to expect—this awareness prevents unpleasant surprises later on when filing a claim and helps in preparing any supplemental coverage you might need to fill these gaps. By examining these exclusions, you safeguard both your financial interests and the welfare of your workforce.

9. Seeking Professional Guidance

Consulting an experienced workers’ compensation insurance advisor can transform the daunting process of policy selection into a manageable task. These professionals offer insights that align insurance products with your industry-specific needs, often identifying optimal coverage options and potential pitfalls that might not be immediately obvious. As with any strategic business decision, expert guidance can illuminate the path to the most suitable policy, ensuring comprehensive coverage and optimal rates. Especially for businesses with complex operational dynamics, professional consultants offer the dual benefit of saving time and possibly preventing costly errors in the insurance selection process.

In light of the intricacies involved, consider engaging these professionals early in the process. They can help demystify technical jargon and intricacies, provide comparisons across different insurance providers, and may even negotiate better terms on your behalf—a strategy that ensures you are equipped to make informed decisions, rather than navigating through a labyrinth of options alone. This partnership can make a marked difference in both the immediate and long-term financial impact of your workers’ compensation policy.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges. 

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

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