A seismic shift is about to hit the New York construction insurance market. A major insurance company has announced it will be non-renewing all of its contractor accounts starting April 1, 2025. This decision will leave countless contractors scrambling to find replacement coverage, potentially putting their businesses at risk. If you are a contractor affected by this decision, don’t panic—BGES Group, a leading expert in construction insurance, is here to help.

What Coverages Does BGES Group Offer?

At BGES Group, we understand the unique risks that contractors face daily. That’s why we offer comprehensive insurance solutions tailored to the construction industry, including:

1. Building & Contents Insurance – Protects your office, warehouse, and storage facilities from damage due to fire, theft, vandalism, and natural disasters.
2. Employer Equipment Coverage – Ensures that company-owned machinery and equipment remain covered against theft, damage, or breakdown.
3. Employee Tools Insurance – Covers employee-owned tools essential to job site productivity.
4. Commercial General Liability – Shields your business from liability claims related to bodily injury, property damage, and legal fees.
5. Excess Liability Insurance – Provides additional layers of coverage beyond standard policies to protect against high-cost claims.
6. Worker’s Compensation Insurance – Required coverage that ensures injured employees receive medical care and wage replacement.
7. NYS Disability Insurance – Provides benefits to employees who suffer off-the-job injuries or illnesses.
8. Business Auto Insurance – Protects company-owned vehicles used for business operations.
9. Bid & Performance Bonds – Guarantees job completion and adherence to contract terms, helping you win more projects.
10. Group Health Insurance – Provides cost-effective health coverage for employees, keeping them protected and satisfied.

Why Contractors Should Turn to BGES Group

When facing an unexpected insurance policy non-renewal, you need a provider that acts fast, understands your industry, and has a proven track record of delivering tailored coverage solutions. Here’s why BGES Group is the right choice for you:

1. Personalized, Boutique-Style Service

Unlike large, impersonal agencies, BGES Group operates like a mom-and-pop business. We provide boutique-style service where every client is treated like a priority.

2. Direct Access to Account Executives

You won’t be stuck navigating endless phone menus or speaking with multiple representatives. At BGES Group, you will deal directly with a knowledgeable account executive who understands your needs.

3. 24/7 Availability

Emergencies don’t wait for business hours, and neither do we. Our team is available day and night, Monday through Sunday, to assist you.

4. Expertise in Construction Insurance

With years of experience in insuring contractors, we know exactly what policies and coverages your business needs to remain protected and compliant.

5. Fast and Efficient Policy Replacement

We understand that losing coverage can disrupt business operations. That’s why we work quickly to replace your policy with minimal hassle, ensuring uninterrupted protection.

6. Competitive Rates

We work with multiple insurance carriers to find you the best possible coverage at the most competitive price.

7. Superior Claims Assistance

If you need to file a claim, we guide you through the process to ensure a quick and fair resolution.

8. Trusted by Contractors Statewide

Our reputation speaks for itself—contractors across the state trust BGES Group for their insurance needs.

9. Custom-Tailored Policies

We don’t believe in one-size-fits-all solutions. Our policies are customized to fit your specific risks and business model.

10. Peace of Mind

With BGES Group handling your insurance, you can focus on running your business instead of worrying about gaps in coverage.

Act Now Before It’s Too Late

The clock is ticking. With this major insurance company pulling out of the contractor market, many businesses will be left scrambling for coverage. Don’t wait until it’s too late—secure your business’s future by partnering with BGES Group today. Our team is standing by to provide you with the protection and peace of mind you deserve.

Call us anytime—day or night—Monday through Sunday. We are always available to help!

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

In the highly regulated and scrutinized world of New York construction, contractors often find themselves in difficult situations when their general liability and excess liability policies fail to meet the stringent insurance requirements imposed by general contractors (GCs) or building owners. These requirements are typically enforced through third-party screening services that scrutinize coverage details and exclusions, often rejecting policies that do not meet their standards.

This article explores what contractors can do when they face such challenges and how they can ensure compliance with screening company requirements.

Understanding the Common Insurance Gaps

Many contractors assume that having a general liability policy is enough to satisfy contractual obligations, only to discover that their policy contains exclusions or conditions that make it unacceptable to a building owner’s risk management team. Here are some of the most common issues that can cause rejection:

1. Independent Contractor Hard Hammer Clause – This clause can stipulate that if a contractor uses subcontractors (subs) who do not carry specified insurance limits and coverage, the primary contractor may have no coverage under their own policy.
2. Temporary or Leased Employee Exclusions – Many policies exclude coverage for injuries sustained by temporary or leased workers, creating a significant coverage gap for contractors who rely on labor staffing firms.
3. Action Over Exclusions – These exclusions bar coverage for claims made by injured workers who file third-party actions against building owners or GCs, making the policy non-compliant with many owner requirements.
4. Primary and Non-Contributory Wording – Some policies lack the specific language required to confirm that the insured’s coverage is primary and non-contributory, leading to rejection by screening services.
5. Waiver of Subrogation Issues – Building owners and GCs often require that a contractor’s policy includes a waiver of subrogation in favor of the project’s stakeholders, preventing the insurer from seeking recovery from them in the event of a claim.
6. Excess Liability Policy Compliance – Some screening services require that excess liability policies follow form, meaning they must provide coverage consistent with the underlying general liability policy.

Steps New York Contractors Can Take to Comply

If a contractor discovers that their policy does not meet the requirements imposed by a GC or building owner, they have several options to resolve the issue:

1. Work with an Experienced Insurance Broker

An insurance broker who specializes in New York construction insurance can identify gaps in coverage and help secure a policy that meets all necessary requirements. Brokers with experience in the industry, such as BGES Group, have relationships with carriers that offer policies specifically designed to address these compliance issues.

2. Request Policy Endorsements

In many cases, coverage gaps can be addressed by adding endorsements to an existing policy. For example:

• A hard hammer clause may be modified to provide more flexibility for contractors who do not hire subs.
• Temporary worker exclusions may be removed through negotiation with the insurer.
• Action-over exclusions may be eliminated or adjusted to provide the necessary coverage.

3. Explore Alternative Insurance Carriers

Some insurance carriers simply do not offer the flexibility that New York contractors need. If an insurer refuses to modify a policy to meet compliance requirements, switching to a different carrier that specializes in construction insurance may be the best solution.

4. Obtain a Standalone Excess Liability Policy

If an excess liability policy does not meet a building owner’s requirements, a contractor can consider purchasing a standalone excess policy that aligns with the underlying coverage. This can help ensure compliance with contractual obligations.

5. Obtain a Labor Law-Compliant Policy

New York’s Labor Laws place strict liability on contractors and property owners for worker injuries. Ensuring that a liability policy explicitly covers these risks—without broad exclusions—can help contractors avoid compliance issues.

6. Maintain Proper Documentation for Screening Services

Sometimes, screening service rejections result from documentation errors or misunderstandings rather than actual coverage deficiencies. Contractors should ensure they provide clear, accurate Certificates of Insurance (COIs) and additional insured endorsements that explicitly state compliance with contractual requirements.

7. Consider Purchasing a Wrap-Up Policy

If a contractor is working on a larger project, they may be able to participate in a Contractor Controlled Insurance Program (CCIP) or Owner Controlled Insurance Program (OCIP). These wrap-up policies provide coverage for all contractors and subcontractors on a project, ensuring compliance with insurance requirements.

The Role of BGES Group in Helping Contractors Secure the Right Coverage

BGES Group is one of New York’s leading construction insurance specialists, helping contractors navigate the complex world of liability insurance requirements. With a deep understanding of the industry’s challenges, BGES Group provides solutions tailored to each contractor’s unique needs.

• Custom Insurance Solutions: We work with multiple insurance carriers to find the right coverage that meets compliance standards while remaining cost-effective.
• Policy Review & Gap Analysis: Our experts review existing policies to identify exclusions and limitations that could cause compliance issues.
• Endorsement Negotiation: We negotiate with insurers to secure the necessary policy modifications.
• Expedited Compliance Assistance: We help contractors quickly obtain the proper documentation needed to satisfy screening service requirements.

Contact BGES Group Today

If you are a New York contractor struggling with insurance compliance issues, BGES Group can help. Contact us today to discuss your insurance needs and get a policy that meets your general contractor’s or building owner’s requirements.

BGES Group
Website: www.bgesgroup.com
Phone: (914) 806-5853 – Gary Wallach
Email: info@bgesgroup.com

Don’t let insurance gaps put your business at risk—partner with BGES Group to secure the right coverage and keep your projects moving forward!

Being a contractor is tough work. Long hours, heavy lifting, and dealing with clients who swear they can get the job done faster by watching a few YouTube videos. So, when contractors finally step through the door at home, they have a few simple wishes—nothing too extravagant, just enough to remind them why they endure the daily grind. Here are the ten things every contractor secretly hopes for when they get home from work.

1. A Meal That Didn’t Come in a Wrapper After a day of inhaling sawdust and grabbing lunch from the nearest gas station, a home-cooked meal feels like fine dining. It doesn’t have to be fancy—just something that didn’t require a microwave or a drive-thru. Bonus points if it’s hot and served on an actual plate instead of a takeout container.

2. Five Minutes Without a Question They’ve been fielding questions all day—”How long will this take?”, “Is that supposed to look like that?”, “Why is my cousin’s neighbor’s uncle saying you’re doing it wrong?” When they get home, all they ask for is five minutes of silence before the next round of inquiries begins.

3. A Shower That Doesn’t Feel Like a Second Job Washing off a day’s worth of sweat, dust, and who-knows-what-else should be refreshing, not another task. If the soap actually lathers and the water pressure doesn’t mimic a light drizzle, that’s a win. If they don’t have to share the shower with a collection of shampoo bottles, even better.

4. A “No Ladder” Policy After 6 PM The last thing they want to hear after climbing up and down ladders all day is, “While you’re up, can you change that lightbulb?” or “Can you grab that box from the attic?” They’ve already risked life and limb enough for one day—let’s keep both feet on the ground at home.

5. A Couch That Welcomes Them Like an Old Friend There’s no feeling quite like collapsing onto the couch after a long day. All they ask is for a few minutes of uninterrupted lounging before being asked to move over, adjust a pillow, or retrieve something from another room. Let them become one with the cushions for a little while.

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ATTENTION CONTRACTORS!

Are workers’ compensation audits giving you nightmares? BGES Group offers a workers’ compensation program for contractors in New York, New Jersey, and Connecticut that can minimize, and even eliminate, the need for annual audits. If your current program is causing you headaches, call Gary Wallach at BGES Group today at 914-806-5853.

We also have an associate who can help contractors in other states! Don’t let audits slow you down—get in touch today.

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6. A Remote That’s Theirs for the Evening After a day of power tools and loud machinery, contractors dream of flipping through channels without a debate. Whether it’s sports, a mindless sitcom, or a show about other people doing construction (but somehow getting it wrong), they just want control—just for one night.

7. No DIY Requests for 24 Hours Just because they build things for a living doesn’t mean they want to spend their free time doing it too. The moment they walk in, they don’t want to hear, “I was thinking we should knock down that wall.” Let them rest before springing a new home improvement project on them.

8. A Bed That Feels Like a Cloud (Without Any Surprise Pets) They’ve been on their feet all day, so their bed should feel like heaven. No surprise visits from the dog, cat, or kids kicking them in the ribs at 3 AM. Just a solid night’s sleep without feeling like they’re sharing the mattress with a zoo.

9. A “Thank You” Goes a Long Way They work hard, and sometimes all they want is a little appreciation. A simple “thanks for everything you do” or “I know you work really hard for us” can go a long way. It’s amazing how far a little gratitude can go in keeping a contractor happy.

10. A Reminder That Home is Their Safe Zone At the end of the day, what matters most is coming home to a place where they feel loved and appreciated. Work can be stressful, but home should be a place to unwind, recharge, and enjoy the company of family. That’s the best wish of all.

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About BGES Group

BGES Group is a team of workers’ compensation insurance specialists, dedicated to helping contractors and businesses find the best coverage at competitive rates. With extensive experience in the industry, we understand the unique challenges contractors face when it comes to workers’ compensation. Our specialized programs help minimize audits, reduce costs, and ensure compliance, so you can focus on what you do best—building and running your business.

If you’re looking for expert guidance and a hassle-free workers’ comp solution, we’re here to help!

Contact Information

• Contact: Gary Wallach
• Phone: 914-806-5853
• Email: bgesgroup@gmail.com
• Website: bgesgroup.com

Because when it comes to protecting your business, experience matters!

If you own a business in New York, understanding workers’ compensation insurance requirements is crucial. New York State has strict laws mandating that most employers carry workers’ comp coverage to protect employees in the event of a workplace injury. Failing to secure the proper insurance can result in significant financial penalties, legal consequences, and even criminal charges. This guide breaks down who is required to obtain workers’ compensation insurance, the repercussions of not carrying it, and how BGES Group can help you stay compliant.

Who Needs to Carry Workers’ Compensation Insurance in New York?

New York law requires nearly all businesses with employees to carry workers’ compensation insurance. This includes:

• Corporations: If you operate a corporation and have at least one employee (even yourself as an officer performing work), you must have a policy.
• LLCs and Partnerships: Any LLC or partnership with employees, regardless of whether those employees are family members, must have coverage.
• Sole Proprietors: While sole proprietors without employees are not legally required to carry workers’ comp insurance, they have the option to purchase coverage for themselves.
• Nonprofit Organizations: If your nonprofit has paid employees, workers’ compensation insurance is mandatory.

Exceptions to the Rule

Some business structures and employment arrangements are exempt from workers’ compensation insurance requirements in New York, including:

• Independent contractors (provided they meet strict classification guidelines)
• Unpaid volunteers
• Certain real estate agents and clergy members
• Sole proprietors with no employees

However, misclassifying employees as independent contractors can result in severe penalties, so it’s vital to ensure proper classification.

What Happens If You Don’t Have Workers’ Compensation Insurance?

Failure to obtain a required workers’ comp policy can have serious consequences. New York State aggressively enforces these laws, and penalties can quickly add up.

Fines and Penalties

If your business is found operating without mandatory workers’ compensation insurance, you may face:

• Fines ranging from $1,000 to skies the limit: The Workers’ Compensation Board can impose a fine of $2,000 for every 10-day period without coverage.
• Criminal charges: For businesses with five or more employees, failure to carry workers’ comp insurance can be prosecuted as a Class E felony.
• Stop-work orders: The state can shut down your business until proof of insurance is provided.
• Personal liability: If a corporation is found non-compliant, its officers can be held personally liable for claims and penalties.

What If an Employee Gets Hurt and You Have No Coverage?

A workplace injury can be devastating for both the employee and the employer—especially if you don’t have the legally required workers’ compensation insurance.

Direct Financial Liability

If an employee gets injured on the job and your business lacks workers’ compensation coverage, you are personally responsible for all medical bills, lost wages, and potential disability benefits. These costs can run into the hundreds of thousands of dollars, depending on the severity of the injury.

Lawsuits and Legal Consequences

An injured worker has the right to sue the employer for damages, including pain and suffering. Unlike in a properly insured claim where workers’ compensation laws limit liability, an uninsured employer may face a much larger financial burden from lawsuits.

State-Imposed Penalties

In addition to covering the injured worker’s medical expenses, your business will face substantial penalties from the New York Workers’ Compensation Board for non-compliance.

How BGES Group Can Help You Secure Workers’ Compensation Insurance

Navigating workers’ compensation laws in New York can be overwhelming, but BGES Group specializes in helping businesses obtain the proper coverage to avoid costly fines and legal issues.

Why Choose BGES Group?

• Expert Guidance: BGES Group understands the complexities of workers’ comp laws and can help you determine the right coverage for your business.
• Custom Solutions: They work with businesses of all sizes and industries to find policies that provide the best protection at competitive rates.
• Fast and Easy Enrollment: Their team ensures a smooth application process so you can get insured quickly and stay compliant.
• Ongoing Support: If you have questions or need to update your coverage, BGES Group is there to assist you every step of the way.

Contact BGES Group Today

If you need workers’ compensation insurance in New York, don’t wait until it’s too late. BGES Group can help you secure the right policy and keep your business compliant with state laws.

• Contact Person: Gary Wallach
• Phone Number: 914-806-5853
• Email: info@bgesgroup.com
• Website: www.bgesgroup.com

Conclusion

Ensuring that your business carries the required workers’ compensation insurance in New York is not just about compliance—it’s about protecting your employees and your company from financial disaster. The penalties for non-compliance can be severe, including hefty fines, lawsuits, and even criminal charges. By partnering with BGES Group, you can secure the right workers’ comp policy and safeguard your business from unnecessary risks. Contact Gary Wallach and his team today to get started!

New York’s Labor Laws 240 and 241 impose strict liability on general contractors and building owners for certain construction site injuries. These laws make it crucial for contractors to carry the right liability insurance, as claims under these statutes do not require proof of negligence. This is why many insurance companies have stopped insuring New York contractors—the financial risks are simply too high.

Five Examples of New York Labor Law 240 & 241 Accidents

Example 1: Scaffold Collapse

A subcontractor’s employee is working on a scaffold, installing windows on a high-rise building. The scaffold collapses, causing the worker to fall and suffer severe injuries. Under New York Labor Law 240, also known as the “Scaffold Law,” the general contractor and building owner are strictly liable for the accident.

Insurance Response:

• The injured worker’s first recourse is workers’ compensation insurance, as New York law prohibits employees from suing their direct employer.
• Since the worker cannot sue the subcontractor, they file a claim against the general contractor and building owner.
• The general contractor’s liability insurance responds first. However, since a properly drafted insurance and hold harmless agreement was in place, the subcontractor’s insurance policy, which includes labor law coverage, also responds, protecting the general contractor.

Example 2: Ladder Accident

A worker employed by a subcontractor is using a defective ladder, which slips, causing them to fall and sustain injuries. This falls under Labor Law 240, holding the general contractor and building owner strictly liable.

Insurance Response:

• The worker files for workers’ compensation first.
• Since they cannot sue their employer, they sue the general contractor and building owner.
• The general contractor’s insurance responds, but because the subcontractor had the required labor law coverage in their liability policy, their insurance contributes to the defense and indemnity, reducing the exposure for the general contractor.

Example 3: Falling Debris Injury

A subcontractor’s worker is struck by falling debris due to inadequate overhead protection. Under Labor Law 241, the general contractor and building owner are held strictly liable.

Insurance Response:

• Workers’ compensation covers the worker’s immediate medical expenses and lost wages.
• A labor law claim is filed against the general contractor and building owner.
• The general contractor’s liability policy responds first, but thanks to a well-structured insurance and hold harmless agreement, the subcontractor’s policy also contributes.

Example 4: Trench Collapse

A worker employed by a subcontractor is inside an improperly shored-up trench when it collapses, leading to serious injuries. This is a clear violation of Labor Law 241, making the general contractor and building owner liable.

Insurance Response:

• The worker collects benefits under workers’ compensation.
• They sue the general contractor and building owner under strict liability.
• The general contractor’s liability insurance pays the claim initially, but due to contractually mandated coverage, the subcontractor’s policy contributes, preventing excessive financial strain on the general contractor’s insurance.

Example 5: Hoist Malfunction

A subcontractor’s employee is using a hoist to transport materials when it malfunctions, causing them to fall and sustain injuries. This is a Labor Law 240 case, making the general contractor and building owner liable.

Insurance Response:

• Workers’ compensation covers the worker’s immediate costs.
• A claim is filed against the general contractor and building owner.
• Because the subcontractor had the right insurance in place, including additional insured status for the general contractor, the subcontractor’s policy shares in the cost of the claim.

Why Insurance Coverage Matters

New York contractors looking for new liability insurance must understand that labor law claims are costly and unavoidable. Strict liability means insurance companies struggle to make money even with high premiums, leading many to refuse coverage for New York contractors.

What General Contractors Require from Subcontractors

To protect themselves, knowledgeable general contractors, building owners, and risk managers require subcontractors to have:

• Labor Law Coverage
• Additional Insured Status for the general contractor and building owner
• Contractual Liability Coverage
• Primary and Non-Contributory Coverage
• Waiver of Subrogation
• Minimum Liability Limits per the insurance and hold harmless agreement

If a subcontractor does not meet these requirements, the general contractor may not be protected in a claim, leaving them exposed to financial loss.

How BGES Group Can Help

Finding the right insurance coverage for New York contractors is challenging, but BGES Group specializes in securing construction insurance policies that meet the stringent requirements of general contractors and building owners. We provide tailored solutions that include labor law coverage, ensuring contractors are protected against costly claims.

For assistance with securing comprehensive liability insurance for your construction business, contact:

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

If you’re a contractor searching for New York construction insurance, Labor Law 240 and 241 liability coverage, or action over coverage, BGES Group can help you get the protection you need. Contact us today to ensure your business is covered and compliant with New York’s strict labor laws.

As a contractor in New York, New Jersey, or Connecticut, understanding workers’ compensation insurance is crucial for protecting your business and employees. Whether you’re a general contractor, a subcontractor, or run a construction company, workers’ comp is not just a legal requirement but also a safeguard against potential financial losses. At BGES Group, we specialize in workers’ compensation insurance and can help you secure a new policy or answer any questions. Call us today at (914) 806-5853 or email bgesgroup@bgesgroup.com. Visit our website at www.bgesgroup.com for more information.

1. Do I Need Workers’ Compensation Insurance?

Yes. In New York, New Jersey, and Connecticut, most contractors are legally required to carry workers’ compensation insurance. If you have employees, this coverage is mandatory. Even if you operate as a sole proprietor, some clients may require you to have a policy before working on their job site.

2. What Happens If I Don’t Have Workers’ Comp Insurance?

Operating without workers’ comp insurance can result in severe penalties, including hefty fines, stop-work orders, and potential lawsuits if an employee is injured. In states like New York, failing to provide coverage can lead to criminal charges. It’s crucial to have a policy in place to stay compliant and protect your business.

3. How Much Does Workers’ Compensation Insurance Cost for Contractors?

The cost of workers’ compensation insurance varies based on factors like payroll, job classification codes, claim history, and the state where you operate. Construction work is high-risk, so premiums can be higher. BGES Group can help you find competitive rates by shopping multiple carriers for the best deal.

4. Can I Reduce My Workers’ Compensation Insurance Costs?

Yes! There are several ways to lower costs, such as implementing safety programs, maintaining a claims-free history, and correctly classifying employees. BGES Group can review your policy to ensure you’re not overpaying and help you implement cost-saving strategies.

5. Are Subcontractors Covered Under My Workers’ Comp Policy?

It depends. If a subcontractor has their own workers’ compensation insurance, they are typically responsible for their own coverage. However, if they do not, you could be held liable for their injuries, and they may be counted as employees under your policy. Always require proof of coverage from subcontractors before hiring them.

6. What Should I Do If an Employee Is Injured on the Job?

Report the injury immediately to your insurance provider and ensure the employee receives proper medical attention. Delaying claims can result in higher costs and potential legal issues. BGES Group can guide you through the claims process to ensure it is handled efficiently.

7. How Does Workers’ Comp Coverage Work for Out-of-State Projects?

If you take on projects outside your home state, your policy must include coverage for those states. Not all workers’ comp policies automatically extend to other states. BGES Group can help you modify your policy to ensure compliance with different state laws.

8. Does Workers’ Compensation Cover Independent Contractors?

No, independent contractors are not typically covered under a standard workers’ comp policy. However, misclassification of employees as independent contractors can lead to serious legal and financial consequences. It’s best to consult with BGES Group to determine the proper classification for your workers.

9. What If I Have a Workers’ Comp Claim Dispute?

If a claim is denied or disputed, you have the right to appeal. The process varies by state and may involve hearings or legal representation. BGES Group has extensive experience assisting contractors with claim disputes and can help navigate the system to ensure a fair outcome.

10. How Do I Get a New Workers’ Compensation Insurance Policy?

Getting a policy is easy with the right guidance. BGES Group specializes in helping contractors secure the best workers’ comp policies at competitive rates. Contact us at (914) 806-5853 or email bgesgroup@bgesgroup.com to discuss your options and get a quote today.

Why Choose BGES Group?

BGES Group has years of experience helping contractors in New York, New Jersey, and Connecticut navigate the complexities of workers’ compensation insurance. We work with top-rated carriers to find you the best rates and coverage options tailored to your business needs. Whether you need a new policy, want to lower your costs, or have questions, we’re here to help!

For expert assistance, call (914) 806-5853, email bgesgroup@bgesgroup.com, or visit www.bgesgroup.com today. Protect your business and stay compliant with the right workers’ compensation insurance policy!

Workers’ compensation insurance is essential for businesses to protect their employees and themselves from the financial consequences of workplace injuries. However, many business owners have questions about how workers’ compensation insurance works, what it covers, and how to find the right policy. Here are the 10 most common questions business owners ask:

1. What Does Workers’ Compensation Insurance Cover?

Workers’ compensation insurance provides coverage for employees who suffer work-related injuries or illnesses. The policy typically covers:

• Medical expenses related to workplace injuries
• Lost wages for employees unable to work due to injury
• Disability benefits (temporary or permanent)
• Rehabilitation costs
• Death benefits for the families of employees who suffer fatal injuries

Without workers’ compensation insurance, employers could face lawsuits and financial liabilities.

2. What Are My Policy Options?

There are several ways to purchase workers’ compensation insurance:

• Stand-alone policies from insurance companies
• Payroll/workers’ compensation plans integrated with payroll services
• Professional Employer Organization (PEO) plans, which bundle multiple HR and insurance services
• State and assigned risk plans for businesses that cannot get coverage through traditional insurers

3. How Is the Cost of Workers’ Compensation Insurance Determined?

The cost of workers’ compensation insurance depends on several factors:

• Industry and job classification codes (some jobs are riskier than others)
• Payroll size (higher payrolls mean higher premiums)
• Claims history (businesses with fewer claims pay lower rates)
• Experience modification rating (EMR) (a metric that reflects past claims)

4. Why Are There Audits at the End of the Policy Period?

Insurance companies conduct workers’ compensation audits to verify that businesses paid the correct premium based on actual payroll and job classifications. If a business underestimated payroll, they may owe additional premium. If they overestimated, they may receive a refund or credit.

5. If I’m a Contractor, Can I Split Payrolls by Class Code?

Yes, but with strict conditions. If an employee performs multiple job functions (e.g., roofing and carpentry work), some states allow split payroll classification. However, detailed payroll records must be maintained. Otherwise, insurers classify the worker under the highest-rated job class, leading to higher premiums.

6. Where Can I Buy Workers’ Compensation Coverage?

Businesses can buy workers’ compensation insurance from:

• Private insurance carriers (for businesses that qualify for standard coverage)
• State-run programs (for businesses in monopolistic states or assigned risk pools)
• Professional Employer Organizations (PEOs) (which provide bundled HR and insurance services)
• BGES Group, one of the Tri-State’s top workers’ compensation specialists, helping businesses secure cost-effective coverage

7. What Happens If I Hire 1099 Workers?

Misclassifying 1099 independent contractors as non-employees can lead to serious legal and financial consequences. Many states and insurers require businesses to carry workers’ compensation insurance for contractors unless they have their own coverage. If an uninsured 1099 worker gets injured, your business could be held liable.

8. What If My Employees Work Out of State?

If your employees work out of state for more than three days, you need to ensure that your workers’ compensation policy provides coverage in that state. Some states require businesses to purchase workers’ compensation insurance specific to their jurisdiction. Failure to comply can result in fines and denied claims.

9. What Does Employer Liability Cover?

Employer liability insurance, included in most workers’ compensation policies, covers lawsuits related to workplace injuries. While workers’ compensation insurance generally protects businesses from being sued by injured employees, employer liability covers:

• Third-party lawsuits (e.g., if an employee sues an equipment manufacturer and the manufacturer sues your business)
• Consequential injuries (e.g., if an injured employee’s family member files a lawsuit)
• Dual capacity claims (e.g., if the employee sues your business in multiple roles, such as employer and manufacturer of a product)

10. Is There a Way to Pay Based on Past Monthly Payroll?

Yes, some insurers offer pay-as-you-go workers’ compensation insurance. Instead of estimating payroll for the year, you pay premiums based on actual monthly payroll. This method helps businesses improve cash flow and avoid large audit adjustments at the end of the policy period.

Get Expert Help from BGES Group

Navigating workers’ compensation insurance can be complex, but BGES Group specializes in helping businesses secure the right coverage. With decades of experience, they offer tailored solutions, including traditional policies, pay-as-you-go options, and PEO plans.

Contact BGES Group for Assistance:

• Contact Person: Gary Wallach – 914-806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com

If you need help securing workers’ compensation insurance, turn to BGES Group, the trusted name in the Tri-State area.

New York is home to thousands of contractors who work at heights on the exterior of buildings up to five stories. These professionals, including roofing contractors, masonry workers, painters, and window installers, face unique risks daily. One misstep or an unexpected event could lead to costly claims, injuries, or property damage. That’s why having the right contractor liability insurance is crucial.

Why Do Contractors Who Work at Heights Need Specialized Insurance Coverage?

Working at heights comes with an increased risk of falls, debris-related accidents, and structural damage. Without general liability insurance for contractors, businesses can be held personally responsible for injuries or damages. The following are some of the primary reasons why insurance coverage is critical:

• Protection Against Lawsuits: Even the most experienced contractors can face legal claims due to accidents.
• Coverage for Medical Expenses: If an employee or third party is injured, insurance can cover medical costs.
• Property Damage Protection: Accidents involving tools or materials can lead to property damage.
• Compliance with New York Regulations: Many building owners and municipalities require proof of insurance before allowing work to commence.

Types of Insurance Coverage Essential for Contractors Working at Heights

1. General Liability Insurance

This is the most basic form of contractor insurance coverage and is essential for protecting against third-party bodily injuries and property damage. For contractors working at heights, policies must include provisions for fall-related incidents and accidental damage to lower-level structures or vehicles.

2. Workers’ Compensation Insurance

New York law requires most contractors to carry workers’ compensation insurance to protect employees in case of job-related injuries. Given the high risks of working at heights, this coverage is a must-have to cover medical expenses and lost wages.

3. Commercial Auto Insurance

Contractors often transport tools, materials, and crew members in commercial vehicles. Commercial auto insurance ensures that any accidents involving company vehicles are covered, including liability for injuries and damage to property.

4. Excess Liability Insurance (Umbrella Insurance)

For contractors taking on larger projects or working on multiple buildings, excess liability insurance extends the limits of your general liability policy, providing extra protection against expensive claims.

5. Inland Marine Insurance

Standard policies may not cover expensive tools and equipment. Inland marine insurance protects valuable contractor equipment while in transit or on a job site.

How to Get the Best Contractor Liability Insurance in New York

Finding the right New York contractor insurance policy can be challenging, but following these steps can help ensure you get adequate coverage:

1. Assess Your Business Risks

Identify your primary risks based on the type of work you perform. Contractors working at heights should focus on policies that specifically address fall risks, falling debris, and worker injuries.

2. Work with a Specialized Insurance Broker

General insurance agents may not fully understand the needs of contractors working at heights. It’s best to work with brokers specializing in construction liability insurance to ensure you get tailored coverage.

3. Compare Multiple Insurance Quotes

Not all contractor insurance policies are created equal. Get multiple quotes to compare premiums, coverage limits, and exclusions.

4. Ensure Adequate Coverage Limits

Opting for the lowest price could leave your business underinsured. Always check the policy limits to ensure they align with project requirements and potential risks.

5. Review Policy Exclusions

Some policies may exclude specific risks, such as work performed on scaffolding or near power lines. Make sure to review exclusions carefully.

Why Choose BGES Group for Contractor Liability Insurance in New York?

With decades of experience specializing in New York contractor liability insurance, BGES Group understands the unique challenges faced by contractors working at heights. Our tailored insurance solutions ensure that you have the right coverage at the best rates.

Benefits of Choosing BGES Group:

• Expertise in High-Risk Contractor Insurance
• Access to Top Insurance Carriers
• Competitive Pricing for Comprehensive Coverage
• Fast Certificate of Insurance Issuance
• Dedicated Support from Industry Professionals

If you’re a contractor in New York working at heights and need reliable contractor general liability insurance, BGES Group can help. Contact us today for a free consultation and customized insurance solutions tailored to your business needs.

Contact BGES Group:

• Phone: (914) 806-5853
• Email: bgesgroup@bgesgroup.com
• Website: www.bgesgroup.com

Protect your business today with the right contractor liability insurance and gain the peace of mind you need to focus on your projects safely.

Workers’ compensation insurance is a crucial safety net for employees who suffer job-related injuries or illnesses. In New York, this system ensures that workers receive necessary medical care and wage replacement benefits, regardless of fault. Understanding the claims process, the types of payments available, and what happens in the unfortunate event of a workplace fatality is essential for both employees and employers.

The Workers’ Compensation Claims Process in New York

New York operates under a no-fault workers’ compensation system, meaning that injured employees can receive benefits regardless of who was responsible for the accident. However, to qualify, certain steps must be followed:

1. Reporting the Injury

Employees must report a workplace injury or illness to their employer as soon as possible, but no later than 30 days from the date of the incident. Prompt reporting helps avoid delays in medical treatment and benefits.

2. Seeking Medical Treatment

Workers should seek medical attention from a healthcare provider authorized by the New York Workers’ Compensation Board (WCB). The physician’s report will be critical in supporting the claim.

3. Filing the Claim

To officially begin the claims process, the injured worker must file Form C-3 (Employee Claim) with the WCB within two years of the injury. The form can be submitted online, via mail, or in person.

4. Employer’s Responsibilities

Once notified of the injury, the employer must inform their workers’ compensation insurance carrier and submit Form C-2F (Employer’s Report of Work-Related Injury/Illness) to the WCB.

5. Insurance Carrier Review

The insurance company will investigate the claim and determine whether to accept or dispute it. If approved, payments begin promptly. If disputed, the case may go to a WCB hearing for resolution.

6. Dispute Resolution

If there is a disagreement regarding benefits, the case is reviewed by a workers’ compensation law judge who hears evidence from both sides before making a determination.

Types of Workers’ Compensation Benefits in New York

Workers’ compensation provides several types of benefits, depending on the severity and impact of the injury or illness.

1. Medical Benefits

Workers are entitled to full coverage for all necessary medical treatments related to their work injury, including doctor visits, hospitalization, surgeries, rehabilitation, and medications.

2. Cash Benefits

If the worker is unable to work due to their injury, they may receive cash benefits based on their average weekly wage and the extent of their disability:

• Temporary Total Disability (TTD): When an injury prevents the worker from performing any work for a temporary period.
• Temporary Partial Disability (TPD): When the worker can perform some tasks but cannot earn the full wages they previously did.
• Permanent Total Disability (PTD): When the worker can no longer work in any capacity due to the injury.
• Permanent Partial Disability (PPD): When the worker sustains a permanent impairment but can still work in some capacity.

3. Scheduled Loss of Use (SLU) Awards

For permanent loss of function or amputation of specific body parts (e.g., limbs, vision, or hearing), workers may receive a one-time cash award based on a pre-determined schedule.

4. Vocational Rehabilitation

If an injury prevents a worker from returning to their previous job, they may qualify for vocational rehabilitation services to help them transition into new employment.

What Happens When a Worker Dies on the Job?

In the unfortunate event of a workplace fatality, the deceased worker’s dependents may be entitled to death benefits.

Death Benefits for Dependents

New York law provides financial compensation to surviving dependents, which may include:

• A surviving spouse
• Minor children
• Dependent parents, grandparents, or siblings (if financially reliant on the deceased worker)

The benefit amount is typically two-thirds of the deceased worker’s average weekly wage, subject to state-set maximums. Payments continue for the lifetime of the spouse (unless they remarry), and children receive benefits until they turn 18 (or 23 if they are full-time students).

Funeral Expenses

Workers’ compensation also provides coverage for funeral and burial expenses. As of current regulations:

• Up to $12,500 in New York City, Long Island, and select counties.
• Up to $10,500 in other areas of the state.

Filing a Death Claim

The surviving family must file Form C-62 (Claim for Compensation in Death Case) with the WCB within two years of the worker’s death.

BGES Group: Your Workers’ Compensation Insurance Specialists

Navigating workers’ compensation insurance can be challenging for businesses. Ensuring proper coverage and compliance with New York laws is essential to protecting both employees and company assets. That’s where BGES Group comes in.

With over 42 years of experience, BGES Group specializes in workers’ compensation insurance, particularly for businesses in high-risk industries like construction. Their team provides personalized guidance, ensuring employers get the best coverage options while minimizing costs.

Why Choose BGES Group?

• Industry Expertise: Deep knowledge of New York, New Jersey, and Connecticut workers’ compensation laws.
• Tailored Insurance Solutions: Customized policies to fit business needs and reduce risks.
• Dedicated Support: One-on-one assistance to help navigate claims and prevent costly disputes.

Contact BGES Group

For expert workers’ compensation insurance solutions, reach out to BGES Group:

• Contact Person: Gary Wallach
• Phone: (914) 806-5853
• Email: bgesgroup@gmail.com
• Website: bgesgroup.com

Whether you’re an employer looking for comprehensive workers’ compensation coverage or need guidance on managing claims, BGES Group is your trusted partner.

Choosing the right workers compensation insurance is crucial for roofers to protect themselves and their team from potential workplace injuries and financial loss. In this FAQ, we will explore the key considerations that roofers should keep in mind while selecting an insurance plan.

Assessing Coverage Needs

Roofing is inherently risky, with unique dangers presented by heights, weather conditions, and heavy equipment. Thus, roofers must meticulously evaluate coverage needs to ensure their workers are protected from common injuries like falls and slips. Adequate workers compensation coverage should encompass medical expenses, lost wages, and rehabilitation costs arising from workplace injuries specific to roofing. Consider additional policy options that might cover tools damage or provide extended benefits for severe injuries requiring prolonged rehabilitation.

Understanding the kinds of incidents roofs frequently face can guide selecting the appropriate coverage limits. A comprehensive policy guards against unexpected financial strain should an accident result in substantial medical bills or worker claims. Furthermore, given the variability in state laws regarding workers compensation, ensure your policy aligns with regional mandates. This approach not only ensures compliance but maximizes the protection you can offer your employees, fostering a safer working environment.

Evaluating Insurance Providers

In selecting a provider, roofers should prioritize those with specialized experience in the construction industry, backed by a solid track record and customer satisfaction. Companies with bespoke packages, such as those provided by BGES Group, often have greater insights into specific industry risks and needs. Research insurance providers that understand the nuances of roofing industry risks. Look for those offering dedicated account managers who can provide personalized attention and clear, timely guidance tailored to your business’s unique challenges.

Reputation and financial stability should be top criteria. An insurer’s ability to pay claims is crucial, as is their responsiveness and transparency in communication. Investigate customer reviews and ratings from independent evaluators. Positive endorsements from peers in roofing can also give insight into an insurer’s dedication to customer service. Consider meeting with potential providers to discuss how their practices fit with your immediate needs and long-term goals.

Understanding Premium Costs

Premium costs can vary significantly based on the insurer, coverage limits, and the safety record of the business. It’s not enough to compare costs on price alone; understanding what these premiums cover is vital. Ensure there is harmony between price and policy benefits, so you aren’t underinsured or paying excessively for irrelevant coverage. Keep in mind that premiums can also reflect your business’s claims history—fewer claims can result in lower premiums, highlighting the importance of maintaining strong safety standards.

It’s essential to explore how premiums may change with shifting factors, such as business growth, increased staff, or larger projects. Understanding these variables equips you for more informed discussions with your insurer about policy adjustments that could provide long-term savings. Engage in comprehensive cost-benefit analysis with potential providers, weighing the upfront costs against the financial security and peace of mind comprehensive coverage delivers.

Exploring Discounts and Incentives

Many insurers offer discounts to businesses that implement and maintain rigorous safety programs. These programs not only enhance workplace safety but could lead to financial incentives, allowing for reinvestment in safety culture or other business areas. Rooftop safety training, fall protection systems, and regular equipment checks may reduce premiums when verified by insurers. Building a low-claims history could result in further reductions in long-term premium costs, rewarding roofer companies committed to minimizing risks on-site.

Explore additional incentives provided by insurance carriers, such as reduced rates for adopting innovative safety technology or annually renewed certifications of safe workplace practices. Transparency about your safety practices during the initial coverage discussions can translate into better premium rates and policies more closely aligned with your business’s proactive risk management strategies. Such forward-thinking initiatives can position your roofing business favorably in the eyes of insurers.

Checking Compliance Requirements

Compliance with state and federal workers compensation requirements is non-negotiable for roofing businesses. Failure to comply can lead to severe penalties, such as fines, civil litigation, or even business closure. Understanding each jurisdiction’s specific requirements, especially if your business operates across multiple states, is crucial. Ensure every aspect of your coverage meets these varied regulations to avoid legal entanglements and to protect your business and employees adequately.

Regularly update your business’s policies to reflect regulatory changes or updates, involving legal advice if necessary to interpret complex compliance rules. Consider taking advantage of consultative services from experienced brokers like those at BGES Group, who can provide refined insights into the latest compliance mandates affecting roofers. Not only does adhering to compliance protect your business, but it also enhances your reputation for reliability and ethics in construction sectors.

By ensuring all workers are covered under compliant policies, you’ll prevent incidents of contractors needing to cover uninsured subcontractors, a scenario which can have costly legal and financial implications. Additionally, consistently validating the status of your insurance against state databases or systems enhances security, knowing your operations are protected under lawful regulations. This vigilance should comprise part of a broader strategy that integrates compliance with overall business ethics and operational efficiency.

Making the Right Choice for Your Roofers’ Workers Compensation Insurance

By understanding these key considerations, roofers can make informed decisions that ensure their business and employees are well protected. A thorough evaluation of coverage options, costs, and providers will result in a workers compensation insurance plan that aligns with their specific needs.