We have partnered with new contractor liability, auto and workers’ compensation companies who offer amazing coverage at lower rates. For example, we just saved an upstate contractor $19,000!
If we can fit you into one of these programs, we can package your general liability, auto and workers’ compensation coverage’s and get you package discounts that most other companies don’t offer.
A lot of contractors have their liability thru Excess and Surplus Lines Carriers. These policies have many exclusions, restrictions and warranties too. We can try to get you into one of our “Main Street Company Programs” which eliminate many of the above restrictions.
Our organization, BGES Group, are “Construction Insurance Experts.” We cover the tri-state area however we are based in New York and represent almost every conceivable program, the best of the best, for New York contractors.
Everyone’s prices are going up. To add to the pain, agencies charge fees from $500 to $5,000 per policy. That’s on top of the commissions they get paid from companies.
We on the other hand are old timers, looking to be frugal with your money. We are aligned with some of the best construction programs offering BROAD coverage at competitive rates. We don’t charge ridiculous fees and our service is very, very, very personal. You will be treated like a V.I.P and never have to wait for anything!
Unhappy with your Workers’ Compensation company? Want to get away from invasive audits? Never have to wait for certificates. Looking for better rates? Being non renewed by your company? We represent just about every program for New York contractors! Get immediate help!
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.
We can help you review insurance provisions in contracts
We can help you screen subcontractors insurance
You can always get us on the phone in seconds
We have 42 years of knowledge and are great problem solvers
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What Coverages Do We Offer:
Property
Builders Risk
Contractor Equipment and Tools
Commercial General Liability
Commercial Umbrella Liability
Business Auto
Bid & Performance Bonds
Workers’ Compensation
Workers Compensation Premium Recovery – We can get you back tens, hundreds of thousands from your past 7 year carriers. Everyone of you should let us do this for you because unless we get you back money our service costs you nothing!
N.Y.S. Disability
Group Health
Personal Insurance Coverages Too
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What Our Customers Say About Us:
V Jakupi
Best Insurance Broker you can get period! In the middle of the busy season we received a letter from our old carrier that they no longer service NY, only NJ. We had only 60 days to find a new company. We got in touch with Gary who is very knowledgeable, friendly and experienced, assured us that he will take care of our insurance and he did. It has been now more than 5 years without an issue. Glad we found them and looking forward continuing working with Gary and the group.
E Ezhova
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!
R Lodato
Gary was very Helpful and Fast. He listened to my complicated insurance problem tried to solve it from different approaches before finding the best course of action for me. He selflessly spent a lot of time making sure that leaving the State Insurance Fund was definitely necessary before using his services. I am 100% happy with his services. I can’t recommend him highly enough.
E. Zaretsky
We have used BGES Group for our insurances for over 20 years and had an amazing relationship with Gary Wallach. Gary is always looking for the lowest cost insurance, the highest quality, and his speed at providing certificates cannot be matched by anyone.
WP Blue
We have been using Gary and his services for over 10 years now. He is absolutely amazing. Always right on top of things. Answers you back quickly and helps you through all your issues! Gets you certificates of insurances within the hour. We can’t recommend him 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, 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 help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
For 42 years we’ve watched clients go from having clean workers compensation claim records to having hundreds of thousands, millions of dollars in claims that make it near impossible to get them affordable coverage.
About Some of The Claims:
1. A lot of the larger claims happened soon after the person came to work.
2. Some happened where no one saw the employee get injured.
3. Some were filed directly with the Workers Compensation Board months after the supposed incident. Then the WCB notified the employer who of course knew nothing about the injury because they were never notified.
4. For all these claims, the injured employee used an attorney.
Below we have listed several articles we feel can be helpful to your business. If you need help implementing any of the ideas, feel free to call Gary Wallach at 914-806-5853.
SMART STRATEGY TO COMBAT B.S. CLAIMS: If you would like to use a private investigator to protect against questionable claims, we have a great service for you. One of our clients use them and they are excellent. Call Gary Wallach at 914-806-5853 for contact information.
We Offer the Best Liability and Workers’ Compensation Policies for New York Contractors (We Can Help any Business Owner)! Best Part, You Always Deal With a GREAT, HELPFUL Human Being! For Help Feel Free To Call Gary Wallach at 914-806-5853.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, 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 help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
The federal Centers for Disease Control and Prevention has estimated that between 1.8 and 5.7 million people in the U.S. contracted the H1N1 virus between April and July 2009. While many of them may have picked up the virus from contact with family and friends, it is very likely that many became infected at their workplaces. Infected workers may not have realized they had the virus, or they went to work despite feeling sick. Exposure to communicable illnesses is a common occurrence at the workplace. If an employee becomes ill, misses work, and requires medical treatment, does the employer have to provide her with workers’ compensation benefits?
Workers’ compensation laws require employers to pay benefits to workers who suffer injuries or illnesses that arise out of their employment. It may be relatively easy to determine that a particular injury arose from someone’s employment. For example, a carpenter who slips and falls off a ladder while installing walls in a new home is clearly on the job; Workers’ compensation should cover the costs resulting from the injury. Illnesses, especially viral illnesses like influenza, can be more difficult for investigators to trace. A worker who gets sick may have contracted the virus at work, at the gym, on the subway, or any number of places.
According to the International Risk Management Institute, insurance investigators and physicians must answer several questions about an individual’s illness to determine whether it is work-related.
Is the relationship of the illness to the exposure at work logical and plausible?
Was the dose of the viral agent to which the person was exposed large enough to cause the illness?
Are the person’s signs, symptoms, and test results characteristic of what a person with the illness would have?
Where exactly did the person come into contact with the viral agent?
Could the person possibly have been exposed to the viral agent outside of the workplace?
Does all the evidence establish that the person’s exposure to a viral agent at work caused his illness?
People may be exposed to H1N1 and other flu strains in dozens of places, only some of which are work-related. Employers must evaluate the facts of a particular case when deciding whether or not to contest a workers’ compensation claim for work-related illness. If the employee’s duties kept him solely within the office and no other employees showed any flu-like symptoms, the employer may successfully contest the claim. However, if other employees gave signs of having the flu or the worker regularly has physical contact with vendors or customers who might have exposed him, the worker’s claim may be successful.
Unhappy with Your Workers’ Compensation Company, Pricing or Service? Want to Get Away From Invasive Audits? We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice! You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening! Forget Dealing With Big, Factory Companies or Computer Systems! We Have Special Programs for the: Auto, Construction, Limousine Service, Manufacturer and Transportation Industries. Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!
To reduce the chances of a successful occupational illness claim, employers should:
Encourage employees to get vaccinations each year as the flu season approaches.
Foster a work environment where employees who feel ill can stay home from work without fear of negative consequences.
Where practical, allow telecommuting for employees with flu-like symptoms but who still want to work.
Provide hand sanitizers for employees and visitors to use.
Provide employees with educational material about H1N1 and other flu strains.
If an employee becomes ill while at work, segregate him from the other employees until he can go home. Require him to take precautions, such as covering his nose and mouth, if he must visit common areas of the workplace.
Businesses should also consider creating a plan for dealing with a pandemic, should it occur. Visit www.flu.gov to find information on how to write the plan and for other resources on managing flu risks. People spend much of their waking hours in the workplace. Businesses therefore play an important role in keeping them healthy and safe. With planning and common sense precautions, businesses can stay productive and healthy during flu season.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, 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 help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
Injuries sustained in the workplace present problematic issues for both the employer as well as the injured employee. Of the many types of work-related injuries, back injuries are the most commonly reported malady to workers’ compensation carriers.
A back injury can cost a company thousands of dollars due to such incidents. Missed work for doctor appointments and recovery time account for a large majority of financial losses that may occur.
The most common type of back injury complaint is that of the lower back. Nearly 1,000,000 employees per year in the United States alone have reported lost work days due to lower back injury. Spine ailments such as strains or sprained muscles account for a great number of disability claims, especially in the field of construction and manual labor. The greater the physical demand of the work, the higher the rate of back injuries.
While the pain and suffering of the worker who experiences a back injury may seem obvious, the employer must be left to deal with the pains of financial loss due to the absence of the employee as well as the workers’ compensation costs. Neither party benefits in any way from an injury of such magnitude. In short, both sides are faced with long-term issues related to the back injury. Companies feel the financial aftershocks of workforce injuries in the amount of 13.4 billion dollars per year.
Unhappy with Your Workers’ Compensation Company, Pricing or Service? Want to Get Away From Invasive Audits? We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice! You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening! Forget Dealing With Big, Factory Companies or Computer Systems! We Have Special Programs for the: Auto, Construction, Limousine Service, Manufacturer and Transportation Industries. Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!
While the effects of job-related back injuries are readily known, the causes and how to prevent such injuries should take center stage for both employers and employees. Many companies offer in-house training and courses to help educate management and workers on how to avoid back injuries. A common program found in many companies is an injury prevention course that promotes safe work habits such as:
Proper lifting procedures
Maximum weight guidelines
Training on lifting equipment such as dollies and carts
Proper access to storage equipment to promote easier lifting
Another preventative measure that may facilitate back injury prevention is a company incentive program for workers. Through these types of programs, the worker is offered a bonus for safety and injury-free work. Not only do programs such as these benefit the worker, the employer will ultimately deal less with the problems related to back injuries by implementing such programs.
Aside from the ill effects and prevention ideas presented, employers would do well to also avoid taking a disbelieving stance in response to an employee who may have sustained a back injury. While it is possible to feign such an injury, most workers who claim to have acquired an injury are not attempting to deceive their employer. Proper steps must continue to be taken to ensure the health and welfare of both the company and its workers.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, 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 help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
You’ve heard the old adage about people not learning from history being doomed to repeat it? This is certainly applicable to the safety programs of businesses. If accidents are to be avoided, the business must learn how and why they happen in the first place. It’s only through this knowledge that businesses can prevent alike accidents from reoccurring.
An accident investigation should be devised in a manner that will thoroughly and objectively gather information, not assign blame and carelessly point fingers. Accidents are rarely the result of one solitary causative agent. In fact, they generally involve a multitude of direct and indirect factors that result in human failure, mechanical failure, and/or poor work environment. Once a thorough investigation is completed, the business should effectively be able to develop new training and safety protocols to prevent the same incident from happening again. Here are ten tips to assist you in thoroughly conducting an investigation into an accident:
Always make sure any injured individuals receive appropriate first aid treatment and medical care.
Don’t disturb the area where the accident took place.
Secure the accident area.
Ensure the site is safe before beginning an investigation, but begin the investigation as soon as it is safe to do so to make sure that evidence hasn’t been disturbed and the incident is fresh on the minds of witnesses.
The safety program should define employee protocol for dealing with an accident site.
The safety program should also have an investigation guideline and checklist to ensure proper protocol adherence.
Materials needed to conduct an investigation should be readily available – camera, video recorder, personal protective equipment, notepads, pens and markers, accident and incident forms, checklists, measuring tape, evidence containers, and so forth. These should be used to thoroughly document the site of the accident, gather and record information, and preserve evidence.
All witnesses should be documented immediately and interviewed as soon after the accident as possible.
Anyone that used the equipment involved or that was near the accident scene just before or after the accident should also be documented immediately and interviewed as soon as possible.
Objective questions should be asked in a manner that will give a comprehensive snapshot of the accident, events leading up to the accident, and the conditions of the environment surrounding the accident. This should include supervisory instruction, equipment condition, work protocol, weather conditions, and such.
Unhappy with Your Workers’ Compensation Company, Pricing or Service? Want to Get Away From Invasive Audits? We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice! You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening! Forget Dealing With Big, Factory Companies or Computer Systems! We Have Special Programs for the: Auto, Construction, Limousine Service, Manufacturer and Transportation Industries. Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!
From the above, the business should be able to analyze the collected information and evidence and determine how and why the accident occurred. From there, the business will be able to create or adjust safety and training protocols to prevent future accidents.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s 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 help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
Employers should always make it a top priority to provide workers with a safe working environment. That said, accidents can still happen, even when employers strictly enforce safety practices and employees strictly adhere to them. Incidents happen due to a breakdown, departure, or failure in the acceptable method of performance. When an accident does unfortunately occur, the incident investigation report will serve in several important objectives. So, it’s vital that a timely and thorough incident investigation takes place.
The main purpose of an incident investigation is for the employer to learn why the breakdown happened and determine procedures that could be put into place to prevent it from reoccurring. The employer should gather and examine the data they collect to figure out where and why the departure from acceptable behavior happened. Employers can learn from errors and increase future productivity from knowing if there was any indication of the breakdown prior to it occurring, or if there was any possible point that the breakdown could have been interrupted and stopped.
Legal liability is another purpose of investigating the incident. During the investigation, the employer will gather information that could be paramount in mounting a possible defense against any resulting lawsuit(s). The defense team in such lawsuits will build their strategy based on the what, when, who, where, why, and how of the incident, data that’s often revealed during the incident investigation.
How Should The Investigative Process Take Place?
The investigative process will begin as the scene of the incident is reviewed and examined. This can provide an exact reason, or possible scenarios, as to why the incident happened. Pictures should be taken of the incident scene. The pictures can later be compared to blueprints, diagrams, or drawings of the area to help determine what chain of events led up to the incident occurring.
Now, it’s time to question all witnesses that may have information leading up to, during, or just after the incident. You can use forms created by regulatory agencies or internally created forms to guide the questioning process. Either way, using the completion of the form as a format for the questions asked will help to maintain objective questioning of witnesses, no matter who is asking or being asked the questions. It’s human nature for most people to immediately form assumptions and theories following the incident. Keep in mind that this type of non-factual information is useless and adds nothing to the validity of the investigation.
Unhappy with Your Workers’ Compensation Company, Pricing or Service? Want to Get Away From Invasive Audits? We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice! You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening! Forget Dealing With Big, Factory Companies or Computer Systems! We Have Special Programs for the: Auto, Construction, Limousine Service, Manufacturer and Transportation Industries. Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!
All the gathered information will be carefully analyzed by the investigator to determine what elements are explainable and what elements still need an explanation. The chronology of the chain of events will be explored. Then, the actions of those involved are looked at along side concurrently occurring actions to see if any of the concurrently occurring actions had any bearing on the incident.
Following the analysis, the investigator will make a written report that contains a description of the incident, the circumstances and elements that led to the incident occurring, why the incident occurred, and any recommendations to prevent it from reoccurring. The report should accompany the physical documentation collected by the investigator.
While an incident investigation is initially about investigating, it makes little sense to know the what, how, and such of the incident if nothing is done to prevent it from reoccurring. So, the last stage of the incident investigation is about implementing the recommended changes suggested in the final report. For optimal success during the implementation stage, the employer should assign a task force to ensure that the recommendations are put into place, supported from the top down, and are subsequently followed by everyone.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, 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 help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
Business owners from all industries know that they have controllable costs and fixed costs. Owners hold on to their financial books with clasped hands and hope for the best outcome when it comes to fixed costs. However, owners can proactively work on getting control over their controllable costs, but it does take an effort. One such controllable cost that business owners can work on is workers’ compensation.
You’ll need to start by understanding that managing your worker compensation expenses won’t involve a one-step solution, but rather a multi-faceted approach to the overall issue.
Begin before the claim is filed. You might have heard that an ounce of prevention is worth a pound of cure or a stitch in time saves nine, meaning that it’s easier to forestall a problem now than fix the results once it happens. Nothing is truer when it comes to managing and containing controllable costs. If you want to control your workers’ compensation costs, then you must develop a systematic procedure for reporting, monitoring, and correcting workplace behaviors that are considered unsafe. It’s important that these procedures are a priority for all your employees, not just a responsibility held by your management team.
An analysis should be done to determine the potential risks of a given job, such as musculoskeletal issues created by a workstation design being ergonomically incorrect or injuries caused by repetitive stress or movements. Of course, the workers actually performing the job are ideal choices to be directly involved in such an analysis. Do keep in mind that this analysis will only be as effective as the method used to collect the findings. The analysis should be done in a structured setting and at a designated time. It should include your senior management, first-line supervisors, and a set number of representatives from the department staff. The participants should be presented with a problem and given sufficient time to brainstorm for potential solutions to the problem. At the conclusion of the meeting, the staff should be told when they will be notified of what and when the chosen solution(s) will be implemented. In the meantime, you can use feasibility studies to help you determine which solutions will be most workable and practical for your business. In order to ensure that quality improvements are continuous and have the greatest impact on your workers’ compensation numbers, these brainstorming meetings will need to be a regularly ongoing practice.
Unhappy with Your Workers’ Compensation Company, Pricing or Service? Want to Get Away From Invasive Audits? We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice! You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening! Forget Dealing With Big, Factory Companies or Computer Systems! We Have Special Programs for the: Auto, Construction, Limousine Service, Manufacturer and Transportation Industries. Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!
New employees should undergo safety training and existing employees should undergo refresher safety training. Some employers tend to skimp on refresher training, but just keep in mind that it’s often the seasoned workers that have performed the same job over and over for an extended period of time that feel most comfortable taking the shortcuts that create safety hazards. During your safety training, you might also consider adding some of the most common unsafe practices seen in your industry and actually hold a demonstration as to why they should never be part of an employee’s work practices.
A return-to-work program should also be in place so that employees with a claim can stay connected to their workplace; be apprised of the employee memos, newsletters, and bulletins; and return to work ready to go.
In closing, part of your multi-faceted approach to controlling workers’ compensation should also include an annual assessment of your workers’ compensation package and the carrier. You should know what the fees paid are for the benefits provided and what the cost to operate is in comparison. Research what various carriers are currently offering and do a comparison against what you already have in place to see if there are any cost savings available from changing carriers.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, 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 insurance, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
According to the U.S. Bureau of Labor Statistics, around a third of all workers’ compensation claims are filed by employees only on the job for a year or less, with 13% being filed by an employee in their first three months of employment.
You can evaluate the statistics as they relate to your own company’s claims by sorting your employees into two categories – those employed longer than one year and those employed less than a year. Once all your employees have been sorted into the two groups, you can determine the frequency of claims per 100 employees from each group. If a large section of your workforce is aging and working physically demanding jobs, then you may find that your long-term employee group may have more claims. However, most employees will find that it’s their shorter-term employees that have the higher claim frequency.
It’s the lack of experience and training that’s one of the main culprits behind shorter-term employees having a higher claim frequency. The good news is that as they get more work hours under their belt and receive additional classroom and/or on-the-job training, they will gain experience and knowledge about safety hazards and become more safety conscious as they perform their job tasks.
Another factor causing new hires to be more prone to accidents is their personality traits and habits. Some workers may have a personality that leaves them with a tendency to ignore the rules. Other workers may simply believe that they should be left to their own devices if they get their work done on time. There are also certain employees that are prone to using short cuts. Maybe it’s in their nature, or maybe from habit, but either way they do it without regard to the risks involved.
As far as personality factors go, one of the best solutions will be to pre-screen applicants so that you can help avoid hiring someone that doesn’t demonstrate habits and personality traits conducive to your ideal working environment. The two types of pre-screening tests are: behavioral assessments and personality measures.
Behavioral assessments will ask an applicant extremely direct questions, such as about personal drug use and theft. It’s easy to mistakenly assume that the applicant would just lie and answer the question as it should be answered. However, behavioral assessment questions are so blunt that the applicant is often caught not paying attention and will automatically answer the questions honestly without even thinking about it or realizing they’re admitting to a bad behavior. The behavioral assessment will allow you to know the exact nature of the risk the applicant poses.
Unhappy with Your Workers’ Compensation Company, Pricing or Service? Want to Get Away From Invasive Audits? We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice! You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening! Forget Dealing With Big, Factory Companies or Computer Systems! We Have Special Programs for the: Auto, Construction, Limousine Service, Manufacturer and Transportation Industries. Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!
Personality tests will examine an applicant’s personal characteristics, attitude, and opinions. The questions are much more indirect than a behavioral assessment. The responses can help you evaluate and rank various job applicants based on the possible risks they pose.
In closing, using both tests together can be a very potent risk control tool. Employers that utilize such pre-screening tests also find that they can save significantly from both better avoiding hiring an applicant that’s not very likely to stick with the job -and- from potentially reducing their number of workers’ compensation claims.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, 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 insurance, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
Is everything possible being done to protect your company from the costly impacts of workers’ compensation claims? As an employer, you know that injuries will happen. However, this doesn’t mean you shouldn’t try to prevent them by knowing the dynamics and some of the solutions recommended by the experts.
Minor Injury, Major Claim
It’s the small injuries that often result in big claims. Some statistics show that 80% of workplace injuries are inconsequential, meaning they just require first aid or a trip to a physician. Eight percent of such claims are sprains and strains to the neck, back and various joints. However, these types of injuries account for an estimated 80%-90% of the system’s costs. Major claims are likely to follow if the frequency of such seemingly inconsequential injuries isn’t addressed.
Falsified/Exaggerated Claims
Claims that didn’t actually occur or that occurred outside the workplace are only representative of a small fraction of claims. However, employers can implement tip lines, video surveillance, drug screenings both before employment and after accidents, and so forth to reduce false claims:
The larger problem is from exaggerated injuries. Employers can take these steps to address exaggerated claims:
* Get injured employees immediate and appropriate treatment.
* Even if duties need to be temporarily modified, get injured employees back to work as quick as possible.
* Ensure supervisors communicate with injured employees and convey their concern and support.
* Do as much as possible to reduce the disruption employees may face post-injury.
* Assess and address behavioral issues that could be driving an injured employee’s disability.
Observing Patterns
Experts have recognized that there are patterns of reoccurring claims within groups, such as among certain industries or particular groups of employees. For example, more injuries may be seen in equipment operators that don’t receive proper eye screenings.
Overweight employees tend to have more injuries than those of an average weight. The healing of injuries may be longer and more difficult among diabetic employees.
Overexertion, meaning doing too much; too fast; and/or too frequently, is one of the primary causes of sprain and strain injuries. This often comes from an employee demanding more of their body than it’s capable of doing. The challenge is that this is a human behavior. Studies have shown that the majority of workplace injuries are from unsafe acts, not unsafe conditions. In other words, even in the absence of workplace hazards, injuries will happen.
Additionally, there are also patterns of reoccurring fraudulent and exaggerated claims, such as an employee that seems to repeatedly have accidents.
Unhappy with Your Workers’ Compensation Company, Pricing or Service? Want to Get Away From Invasive Audits? We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice! You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening! Forget Dealing With Big, Factory Companies or Computer Systems! We Have Special Programs for the: Auto, Construction, Limousine Service, Manufacturer and Transportation Industries. Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!
Begin at the hiring process, ensuring that potential employees are capable of doing the physical and mental demands you’ve listed in the applicable job description. It’s important to understand that injury prevention must be embraced at the leadership level to be effective. Statistics show employees are most likely to have injuries when they feel their management doesn’t care. You may also consider:
* Excellent workplace safety programs.
* Efficient communication programs that allow you, injured employees, and insurance adjusters to easily communicate.
* A post-injury protocol, specifying the immediate reporting of an injury to appropriate personnel.
* Routing injured employees to seek medical care from a provider specializing in occupational injuries.
* Staying in touch with both the injured employee and their medical provider, making sure that you communicate your concern and care to the employee as they recover and accommodate any physical restriction recommended by the provider upon their return.
Cost Mitigation
Employers can take several routes to reduce the financial impact of claims. Transitional duty programs that enable an injured employee to continue some capacity of working as they recover would be one example. Research shows that around 40% of employers don’t currently have a transitional duty program.
Another example would be referencing treatment guidelines to determine typical recovery times for various injuries. This information can be used to approximate how long it should take an injured employee to be treated and recover.
Employers may consider having an on-site clinic for employees to go for both acute injuries and everyday health issues.
Partnering with a physical therapy network may be a consideration. Research has shown that companies affiliated with physical therapy networks see injured employees returning to full-duty work 30% faster.
Wellness, Don’t Be Afraid
Lastly, some employers are apprehensive about implementing wellness programs because they’re concerned that participation itself may cause injuries. However, the risk of such is far outweighed by the many benefits of a wellness program, including claim-related benefits like healing faster and being able to resume work sooner. Remember, the success of any program comes from it being accepted from the top down.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, 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 help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
The first step is to file the claim right away. To this end, have claim forms available to all supervisors. Some companies keep forms near the first aid kit alongside the OSHA log. Management must acknowledge the problem to correct it, so keep good records.
Keep any information regarding preferred doctors networks or nearest emergency care facility with the first aid kit. Maps to these facilities help in crisis management.
Because of the privacy laws, keeping records of employee health concerns (hypertension, diabetes, allergies to medicines) at the ready is tricky at best. Without making the records readily accessible by anyone, they need to be available to supervisors in an emergency.
The insurance company has a depth of claims experience that no insured can have. If not treated properly, some injuries worsen over time. The company has a right to investigate and guide treatment and rehabilitation. A delay in reporting that causes the situation to worsen may create coverage problems. Dutifully report all claims immediately.
Allow the insurance company to investigate the claim. Usually, if the claim results in only medical bills and no lost time, the company will not spend time finding causation; but your company management needs to understand the progression of events that leads to any loss.
Uncover the cause. Were safety appliances, equipment, and personal protection in place and used properly? When the employee was drug tested after the claim, was that an issue?
Use any claim as an opportunity to discuss safety at your next scheduled safety meeting. Discuss the following topics as collateral to the claim:
Assure employees the injury is covered by workers’ compensation and the injured will be cared for properly. If the injured is at work, have them report on the level of care. Discuss the results of the investigation regarding the cause of the loss in neutral terms, but no personal information about the employee. This discussion is about future avoidance, not humiliation. Remind employees of the drug testing policy and explain the policy aims to protect everyone.
Unhappy with Your Workers’ Compensation Company, Pricing or Service? Want to Get Away From Invasive Audits? We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice! You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening! Forget Dealing With Big, Factory Companies or Computer Systems! We Have Special Programs for the: Auto, Construction, Limousine Service, Manufacturer and Transportation Industries. Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!
If the insurance company investigation implies fraud, fake injury, review safety rules or regulations in a more generic form. Perhaps discuss slips, trips, and falls prevention as opposed to that specific incident.
Risk avoidance is your best measure against workers’ compensation injuries. Maintaining a safety culture with training, meetings, and management leadership keeps a workplace safer. Having proper paperwork and first aid readily available reduces the lost production effect of injuries.
The more prepared you are to handle an injury professionally, the more you protect your workforce. Manage ahead of the crisis with proper planning.
If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.
BGES Group’soffice, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, 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 help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, 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 up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
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
