Late workers’ compensation claims with no witnesses, no notice, and no documentation can be frustrating and costly for employers. If you are a New York employer facing such a scenario, there are actionable steps you can take to contest these claims effectively. This article will guide you through the process of challenging these questionable claims at the New York Workers’ Compensation Board and protecting your business.

Understand the Workers’ Compensation System in New York

In New York, workers’ compensation laws provide employees with benefits for workplace injuries or illnesses. However, the system also imposes specific reporting requirements and burden-of-proof standards to protect employers from fraudulent or unfounded claims. Here are some critical rules to be aware of:

1. Notice Requirement: Employees must notify their employer of a workplace injury within 30 days of the incident.

2. Filing Deadlines: Employees generally have up to two years to file a claim with the New York Workers’ Compensation Board.

3. Proof of Injury: Employees bear the burden of proving that their injury occurred at work and is compensable under workers’ compensation laws.

Key Issues with Late Claims

When an employee files a workers’ compensation claim months later, without notifying you and without witnesses, red flags should go up. Late claims are problematic for several reasons:

• Lack of Documentation: Without timely notice, employers cannot investigate the incident or gather evidence.

• No Witnesses: Claims without corroboration from coworkers are harder to verify.

• Potential Fraud: Delays in reporting may suggest the injury occurred outside of work.

Steps to Fight a Late Workers’ Compensation Claim in New York

If you believe a claim is suspicious or lacks merit, take the following steps:

1. Gather Evidence

Start by collecting all relevant evidence to counter the employee’s claim:

• Time Records: Verify whether the employee was present at work on the alleged injury date.

• Surveillance Footage: Review any video recordings from the workplace.

• Witness Statements: Interview coworkers who were present around the time of the alleged injury.

• Incident Reports: Document whether the injury was reported or observed by anyone at the time.

2. Investigate the Claim Thoroughly

Conduct an internal investigation to identify inconsistencies in the employee’s account. Questions to consider:

• Was the injury reported to anyone at work?

• Did the employee seek medical attention right away?

• Does the injury align with their job duties?

3. Report to Your Insurance Carrier

Notify your workers’ compensation insurance carrier about the claim as soon as possible. Provide them with all the evidence you’ve gathered and explain why you believe the claim is unfounded. Your carrier may conduct its own investigation to strengthen your defense.

4. Challenge the Claim at the Workers’ Compensation Board

You have the right to dispute the claim through the New York Workers’ Compensation Board. To do this:

• File a Controverted Claim: Indicate that you contest the claim by submitting a Form C-7.

• Present Evidence: During hearings, present documentation, surveillance, and testimony to refute the employee’s allegations.

• Request a Medical Examination: Insist on an independent medical exam (IME) to determine the validity of the injury.

5. Consult with Legal Counsel

An experienced workers’ compensation attorney can help you navigate the legal process and ensure your rights are protected. They can represent your case during hearings and provide advice on complying with New York labor laws.

Common Defenses Against Late Workers’ Compensation Claims

To successfully contest a claim, you’ll need to provide strong arguments. Here are some common defenses:

1. Failure to Provide Timely Notice: If the employee didn’t notify you within 30 days, argue that this delay prevented you from investigating the injury.

2. No Witnesses: Point out the lack of corroborating testimony from coworkers.

3. Inconsistent Statements: Highlight any discrepancies in the employee’s account of the injury.

4. Evidence of Non-Work-Related Injury: Show proof that the injury may have occurred outside of work (e.g., social media posts, medical records).

5. Preexisting Condition: Argue that the injury is related to a preexisting condition rather than workplace activity.

Preventing Late Workers’ Compensation Claims

To minimize the risk of late and fraudulent claims, adopt proactive measures:

1. Create a Clear Reporting Policy

Ensure all employees know they must report workplace injuries immediately. Post reminders in breakrooms and include policies in employee handbooks.

2. Train Supervisors

Train your management team to handle injury reports properly and document incidents promptly.

3. Maintain Accurate Records

Keep detailed records of employee attendance, job duties, and any reported incidents.

4. Install Surveillance Cameras

Video footage can be invaluable for confirming or disputing injury claims.

5. Partner with a Workers’ Compensation Specialist

Working with a workers’ compensation insurance expert can help you identify risks, ensure compliance, and manage claims effectively.

The Role of BGES Group in Supporting Employers

If you’re a New York, New Jersey, or Connecticut employer dealing with workers’ compensation challenges, consider partnering with BGES Group, one of the Tri-State area’s top workers’ compensation specialists.

BGES Group offers:

• Tailored Insurance Solutions: Customized policies to meet the unique needs of your business.

• Expert Guidance: Decades of experience navigating complex workers’ compensation laws.

• Claims Support: Assistance in challenging questionable claims and minimizing costs.

For a consultation or to discuss your workers’ compensation insurance needs, contact Gary Wallach at BGES Group today.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

By taking the right steps to contest late workers’ compensation claims, you can protect your business from unnecessary costs while ensuring compliance with New York labor laws. And when you need expert support, BGES Group is here to help. Call or email us today to learn more about our services and how we can provide peace of mind for your business.

Receiving a penalty bill from New York State for failing to carry workers’ compensation insurance can be alarming and financially daunting. As a New York employer, if you have employees on your payroll, state law mandates that you maintain workers’ compensation coverage at all times. Failing to do so can result in significant fines, penalties, and even legal action. If you’ve received such a notice, don’t panic—there are steps you can take to mitigate the fine and get back on track.

In this article, we’ll walk you through the process of handling this situation, highlight the importance of workers’ compensation insurance, and introduce BGES Group as a reliable partner to help you secure the coverage you need.

Why Employers Are Penalized for Lapsed Workers’ Compensation Insurance

In New York State, employers must provide workers’ compensation coverage to protect employees in case of a work-related injury or illness. If an employer neglects to obtain or maintain this insurance, the state imposes penalties to ensure compliance. These penalties can include:

1. Daily Fines: Employers are charged up to $2,000 for every 10 days of non-compliance.

2. Backdated Premiums: The state may require employers to pay the equivalent of what they would have paid in workers’ comp insurance premiums during the lapsed period.

3. Legal Action: Non-compliance can lead to lawsuits or injunctions against your business.

Steps to Mitigate the Fine

Here are the critical steps you should take if you’ve received a penalty bill for not having workers’ compensation insurance:

1. Review the Notice Thoroughly

Carefully read the penalty notice to understand the specifics of the charges. Determine the duration of the non-compliance and the amount owed. Mistakes can occur, so ensure the information is accurate.

2. Gather Evidence of Compliance

If you believe there has been an error and you had coverage during the period in question, gather documentation such as:

• Workers’ compensation insurance policies

• Payment records

• Correspondence with your insurer

Submit this evidence to the New York State Workers’ Compensation Board to dispute the fine.

3. Contact the New York State Workers’ Compensation Board

Reach out to the New York State Workers’ Compensation Board to discuss your case. Be proactive and cooperative—demonstrating your willingness to resolve the issue can sometimes result in a reduced fine.

4. Obtain Retroactive Coverage if Possible

Some insurers offer retroactive workers’ compensation insurance policies, which can cover gaps in coverage. While this won’t eliminate your fine, it can demonstrate good faith to the state and potentially reduce penalties.

5. Work with a Specialist to Get a New Policy

To avoid future issues, partner with an experienced workers’ compensation insurance broker to secure a comprehensive policy. Agencies like BGES Group specialize in helping New York businesses find tailored workers’ compensation policies at competitive rates.

Why You Shouldn’t Delay

Ignoring a penalty bill or delaying action can worsen the situation. The fines will continue to accrue daily, and unresolved issues may lead to legal consequences. Additionally, operating without workers’ compensation insurance puts your employees at risk and your business in violation of state laws.

How BGES Group Can Help

If you’ve been penalized for lapsed workers’ compensation insurance, BGES Group is here to help. As one of the Tri-State area’s leading specialists in workers’ compensation insurance, they can:

• Assess your specific situation and recommend the best course of action.

• Help you secure affordable and comprehensive workers’ comp insurance policies tailored to your business needs.

• Provide ongoing support to ensure you remain compliant with New York State laws.

With BGES Group, you’re not just purchasing an insurance policy—you’re gaining a trusted partner who understands the complexities of the New York business landscape.

Contact BGES Group Today

Don’t let a lapse in workers’ compensation insurance jeopardize your business. Contact BGES Group now for expert guidance and personalized service.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

The Importance of Workers’ Compensation Insurance

Having workers’ compensation insurance isn’t just a legal requirement—it’s a critical component of running a safe and responsible business. Here are some key benefits:

1. Employee Protection: Covers medical expenses and lost wages for employees injured on the job.

2. Legal Compliance: Avoids fines and penalties for non-compliance with New York State laws.

3. Business Continuity: Protects your business from costly lawsuits arising from workplace injuries.

4. Reputation Management: Demonstrates to employees and clients that you prioritize safety and compliance.

Tips to Prevent Future Penalties

Once you’ve resolved your current issue, take steps to ensure you never face another penalty:

1. Work with a Reliable Broker: Partner with a specialist like BGES Group to monitor your coverage and address gaps proactively.

2. Review Policies Annually: Regularly evaluate your workers’ compensation policy to ensure it meets your business needs.

3. Automate Payments: Set up automatic premium payments to avoid missed deadlines.

4. Educate Yourself: Stay informed about New York State’s workers’ comp insurance requirements and updates.

Real-Life Example

Consider a small construction company in New York that inadvertently allowed its workers’ compensation insurance to lapse for three months. The company was hit with a $20,000 penalty from the New York State Workers’ Compensation Board. By partnering with BGES Group, they were able to:

• Dispute a portion of the fine with accurate documentation.

• Obtain retroactive coverage to minimize penalties.

• Secure a new, affordable workers’ comp insurance policy, ensuring compliance moving forward.

Don’t Wait—Take Action Now

If you’ve received a penalty bill for lapsed workers’ compensation insurance, time is of the essence. Take the necessary steps to mitigate the fine, secure coverage, and prevent future issues.

Contact BGES Group today at 914-806-5853 or bgesgroup@gmail.com. Visit www.bgesgroup.com to learn more about how they can help your business stay compliant and protected.

By taking immediate action and partnering with experts, you can resolve the issue and focus on what matters most—growing your business.

Fraudulent workers’ compensation insurance claims can be a nightmare for New York construction businesses. A single phony claim could significantly raise your workers’ compensation premiums, impact your bottom line, and lead to long-term financial stress. For construction firm owners, the key to avoiding these issues is diligence during the hiring process.

This article outlines 10 red flags to watch for when hiring workers to ensure your business stays protected. It also explains how partnering with specialists like BGES Group can help you obtain comprehensive workers’ compensation coverage that safeguards your company.

Why Fraudulent Workers’ Compensation Claims Are a Serious Problem

Fraudulent claims can cost your business thousands of dollars annually. The problem is particularly prevalent in high-risk industries like construction, where injuries are common, making it easier for dishonest workers to file false claims.

For employers, prevention starts with knowing what to look for before hiring. Here are ten critical signs to help you avoid hiring workers who might later commit fraud.

10 Warning Signs to Watch for When Hiring Workers

1. Gaps in Employment History

Workers with unexplained gaps in their employment history may be hiding previous fraudulent activity or frequent disputes with past employers. Always request a complete job history and verify it thoroughly.

2. Frequent Job Changes

Individuals who frequently switch jobs, especially in the construction industry, may be doing so to avoid being caught committing fraud. Verify their reasons for leaving each position with previous employers.

3. Exaggerated Work Experience

Applicants who overstate their qualifications or past responsibilities may lack the skills needed for the job, increasing the likelihood of accidents or fraudulent workers’ comp claims. Ask for certifications and licenses to validate their claims.

4. A History of Filing Claims

During the reference check process, inquire whether the candidate has a history of filing multiple workers’ compensation claims. A pattern of claims could indicate fraudulent intentions.

5. Unverified References

Fake references are a common tactic for fraudulent applicants. Always cross-check references to confirm their validity and the applicant’s prior work history.

6. Vague or Inconsistent Answers

During interviews, watch for inconsistent responses to questions about their work history, skill set, or reasons for leaving prior jobs. These inconsistencies may be red flags for dishonesty.

7. Pressure to Get Hired Quickly

Fraudulent workers often push for quick hiring decisions to avoid background checks. Be wary of applicants who demand immediate offers without allowing time for due diligence.

8. Poor Physical Fitness

Construction jobs are physically demanding. Workers who appear unfit or incapable of handling the physical requirements may be more likely to file phony workers’ compensation claims.

9. Overeagerness to Discuss Benefits

Pay close attention to applicants who ask excessive questions about workers’ compensation insurance coverage, disability benefits, or injury policies. While this could be a legitimate concern, excessive focus on benefits is a potential red flag.

10. Resistance to Background Checks

A worker who resists background or criminal record checks may be hiding fraudulent behavior or a history of false claims. Always insist on performing thorough checks.

How to Protect Your Business from Workers’ Comp Fraud

Beyond identifying red flags during hiring, taking additional preventive measures can help you safeguard your business from fraudulent workers’ comp claims:

1. Document Job Duties Clearly

Provide written job descriptions detailing physical requirements and safety standards. This minimizes disputes over job-related injuries.

2. Conduct Pre-Employment Physicals

Require candidates to undergo a physical examination to ensure they are fit for the job and to document any pre-existing conditions.

3. Train Supervisors to Spot Fraud

Supervisors should be trained to recognize fraudulent behavior and report suspicious claims promptly.

4. Use Surveillance and Safety Tools

Implement safety cameras and equipment to monitor work conditions and provide evidence in case of false injury claims.

5. Work with a Reliable Workers’ Compensation Specialist

Having the right workers’ compensation insurance policy is crucial for protecting your business from fraudulent claims. Specialists like BGES Group can help you secure the best coverage at competitive rates.

How BGES Group Can Help Your Construction Business

BGES Group is a trusted name in workers’ compensation insurance, specializing in providing tailored policies for New York contractors. Whether you’re running a large construction firm or a small contracting business, BGES Group can:

• Help you find policies that include fraud prevention measures.

• Assist in selecting workers’ compensation coverage that aligns with your business needs.

• Provide personalized service to address your unique concerns.

Contact BGES Group Today

Don’t let fraudulent workers’ compensation claims jeopardize your business. Protect your construction firm with the right insurance policy from BGES Group. Call Gary Wallach today at 914-806-5853 or email bgesgroup@gmail.com to learn more.

You can also visit their website at bgesgroup.com to explore their range of services and request a free consultation.

By staying vigilant during hiring and securing comprehensive workers’ comp coverage, you can minimize risks and ensure the long-term success of your construction business. Let BGES Group be your partner in protecting what matters most—your workers, your reputation, and your bottom line.

Navigating workers’ compensation in NYC can feel overwhelming. This guide breaks down the essentials to help you understand your rights and responsibilities.

What Is Workers’ Compensation?

Workers’ compensation is a type of insurance providing wage replacement and medical benefits to employees injured at work. Let’s explore how it operates in NYC specifically. In essence, workers’ compensation acts as a safety net, ensuring that workers receive necessary medical care and financial support following a work-related injury. The law mandates that all employers must carry this insurance to cover their employees, safeguarding both parties from financial strain in the event of an accident.

In NYC, the workers’ compensation system is governed by the state’s rules that dictate the benefits, eligibility, and filing processes. This insurance covers a wide array of medical treatments, from doctor visits and surgeries to medication and physical therapy, all essential for injured workers to recover without the burden of healthcare costs. Moreover, it provides partial wage replacement, enabling workers to manage financial responsibilities while unable to work.

In case of a tragic event where an employee dies as a result of their work, workers’ compensation extends financial support to the deceased worker’s spouse and dependents, offering them benefits to help navigate the aftermath. The importance of this system cannot be overstressed, as it not only provides immediate relief for workers but also mitigates the risk of costly litigious disputes for employers.

Who Is Eligible for Workers’ Compensation in NYC?

In New York City, most employees are eligible for workers’ compensation benefits. However, understanding the precise eligibility criteria can help ensure you’re covered. Generally, if you’re working for an employer and have suffered an injury while performing your job duties, you are eligible to claim these benefits. This holds true whether you’re employed full-time, part-time, or are a seasonal worker.

It is crucial to note that certain exceptions, such as independent contractors, may not qualify under typical workers’ compensation coverage unless they are legally deemed employees according to specific employment tests. Therefore, if you’re unsure about your classification, consulting a legal advisor might be beneficial. Understanding your status and rights is pivotal to ensuring that you receive the rightful benefits if injured at work.

How to File a Claim in NYC

Filing a claim is critical in receiving your benefits. We’ll guide you through the steps required to file a workers’ compensation claim successfully in NYC. The initial step is to report your injury to your employer as soon as possible; timely notification ensures that your claim is documented and processed efficiently.

After informing your employer, seek immediate medical treatment from an authorized healthcare provider. It is vital to inform them that your injury is work-related, so the treatment notes accurately reflect this, supporting your claim. Your next step is to file a formal claim with the Workers’ Compensation Board. This involves completing the necessary forms, such as the Employee Claim (Form C-3), which can be done online or via mail.

Staying organized and keeping copies of all your documentation, such as medical reports, communications with your employer, and filed forms, can facilitate a smoother claim process. If needed, during this complex process, you might consider the support of an attorney, especially if your claim faces disputes or complexities.

What Benefits Are Available?

From medical care to wage replacement, workers’ compensation offers various benefits. Here, we explain what you can expect after filing a successful claim. The primary benefit includes comprehensive medical coverage for treatments that your healthcare provider prescribes, enabling you to focus on recovery without the stress of medical costs.

Additionally, financial compensation in the form of partial wage replacement eases the burden of missing work. This typically amounts to two-thirds of your average weekly wage and is calculated based on state laws. It’s designed to provide a financial foundation while you recover and prepare to return to work.

In cases of severe injury or death, workers’ compensation also provides benefits that can include vocational rehabilitation services to assist in transitioning to a different job if an injury prevents returning to the previous one. Moreover, for families of deceased workers, financial support is available to help them through their loss. These benefits are vital not only for financial security but also for moral and psychological support during challenging times.

Common Challenges and How to Overcome Them

Sometimes, the process isn’t straightforward. We address common challenges employees face during claims and offer practical advice on overcoming them. One frequent challenge is the delay or denial of claims. Claims can be delayed or denied due to paperwork errors, lack of evidence, or missed deadlines.

To counteract this, meticulous documentation is your best ally. Keeping thorough records of your injury, treatment, and any communication with your employer can buttress your claim if contested. Another common setback involves disputes over the severity of the injury or the necessity of certain medical treatments. In such scenarios, medical evidence from a trusted, authorized provider plays a critical role.

Misclassifications can also lead to higher premiums or incorrect payments Accurate employee classification ensures proper benefit disbursal. If you encounter unresolved issues, seeking the guidance of legal counsel specializing in workers’ compensation can aid in navigating appeals or further negotiations.

Finding the Right Legal Advice in NYC

Legal guidance can be invaluable. We’ll discuss when it’s necessary to seek legal help and how to find the right attorney for your workers’ compensation case. If your claim is disputed, denied, or delayed, or if you feel overwhelmed by the complexities of legal procedures, seeking the expertise of an attorney who specializes in workers’ compensation might be necessary.

An attorney can provide insights into your rights, help contest any disputes, and ensure all necessary documentation is in order. Finding the right attorney involves researching their track record with workers’ compensation cases, assessing fees, and ensuring they’re a good fit for your needs. BGES Group offers resources and guidance to assist you in navigating these waters in NYC.

Wrapping Up Your Workers’ Compensation Knowledge

Understanding workers’ compensation in NYC can empower you to protect yourself while ensuring fair treatment. Always be informed and proactive about your rights as an employee.

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

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

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In the construction industry, managing risk is critical to ensuring project success. One key way to mitigate liability exposure is through contractors’ liability insurance, specifically by requiring subcontractors to list the general contractor (GC) or project owner as additional insureds. While this requirement is standard in many construction contracts, how coverage applies in specific scenarios often raises questions. This article explores how liability insurance works when subcontractors list GCs or owners as additional insureds and whether coverage extends to situations where the subcontractor is not at fault.

The Basics of Contractors’ Liability Insurance

Contractors’ liability insurance, often through a Commercial General Liability (CGL) policy, provides financial protection against claims for bodily injury, property damage, or personal/advertising injury arising from the contractor’s operations. For subcontractors, this coverage ensures they can address potential liabilities during a project.

When subcontractors work on a project, GCs and project owners often require them to name these parties as additional insureds on their CGL policy. This requirement ensures the GC or owner has protection under the subcontractor’s policy if they are sued for incidents connected to the subcontractor’s work. Additional insured endorsements are a vital tool for risk transfer in construction projects.

How Additional Insured Coverage Works

Additional insured status typically extends coverage for claims involving:

1. Bodily Injury – For example, if a worker or third party is injured due to project-related activities.

2. Property Damage – For instance, if construction work accidentally damages nearby property.

The additional insured endorsement may offer coverage under two scenarios:

1. The Subcontractor Is Negligent

If a subcontractor is found negligent, the additional insured endorsement provides coverage to the GC or owner for their resulting liability. For example, if a subcontractor improperly installs scaffolding that collapses and injures a passerby, the GC or owner would likely be covered under the subcontractor’s policy.

2. The Subcontractor Is Not Negligent

A more nuanced scenario arises when the subcontractor is not at fault, but the GC or owner is. For example, suppose a subcontractor’s employee trips and is injured due to unsafe conditions caused by the GC. The employee might sue the GC and the project owner. Even though the subcontractor is not negligent, the additional insured endorsement may still provide coverage for the GC or owner because the claim is connected to the subcontractor’s work.

Key Factors That Influence Coverage

While additional insured endorsements are powerful tools, their application depends on specific policy language and circumstances. Several factors can determine whether coverage applies:

1. Policy Wording

The exact wording of the additional insured endorsement matters. For example, many endorsements only provide coverage if the claim arises from the subcontractor’s work, negligence, or ongoing operations. Some policies may limit coverage to situations where the subcontractor is wholly or partially at fault.

2. Scope of Negligence

Courts often analyze the relationship between the incident and the subcontractor’s work. If the injury or damage would not have occurred but for the subcontractor’s involvement, coverage might extend even if the subcontractor was not negligent.

3. Primary and Non-Contributory Clauses

Subcontractors are often required to include primary and non-contributory clauses in their policies. These clauses ensure that the subcontractor’s insurance responds first (primary) and does not rely on the GC’s or owner’s policy to contribute (non-contributory).

4. Completed Operations

Some endorsements cover only claims arising during the subcontractor’s ongoing operations, while others may extend to completed work. This distinction is critical for long-term liability exposure.

Examples of Coverage Scenarios

To better understand how additional insured coverage applies, let’s examine two scenarios:

Example 1: Subcontractor Negligence

A subcontractor’s crane operator accidentally swings a load into a nearby parked car, causing significant property damage. The vehicle owner sues the GC and project owner for damages. Since the claim stems directly from the subcontractor’s negligence, the GC and owner are covered as additional insureds under the subcontractor’s policy.

Example 2: General Contractor Negligence

A subcontractor’s employee trips over debris left behind by the GC and sustains serious injuries. The employee files a claim against the GC and project owner for negligence. Even though the subcontractor was not at fault, their insurance policy may provide coverage to the GC and owner as additional insureds because the claim arises out of the subcontractor’s operations (e.g., the employee was working on the subcontractor’s project scope).

The Importance of Working with Experts

Navigating the complexities of liability insurance and additional insured coverage can be daunting, especially with varying policy language and coverage interpretations. Contractors must work with experienced insurance professionals who understand the intricacies of construction risks and insurance requirements.

This is where BGES Group excels. As construction insurance experts in the Tri-State area, BGES Group specializes in providing tailored insurance solutions for contractors, including comprehensive general liability and workers’ compensation coverage. Whether you’re a general contractor, project owner, or subcontractor, BGES Group ensures you have the right coverage to protect your business.

Why Choose BGES Group?

BGES Group stands out for its boutique-like services and expertise in construction insurance. Here’s what makes them the go-to choice for contractors:

• Customized Coverage: BGES Group designs policies to address the unique risks faced by contractors in New York, New Jersey, and Connecticut.

• Expert Guidance: Led by industry veteran Gary Wallach, BGES Group ensures contractors understand their coverage and avoid costly gaps.

• Competitive Pricing: BGES Group offers competitive premiums without sacrificing coverage quality.

• Special Programs: The firm provides specialized programs for high-risk contractors, such as demolition, roofing, and asbestos contractors.

Client Success Stories

BGES Group has helped countless contractors secure reliable insurance coverage at competitive rates. Here are just a few testimonials from satisfied clients:

1. “BGES Group is incredibly professional and knowledgeable. They saved us thousands on our liability insurance!”

2. “Gary and his team are responsive and truly understand construction insurance. Highly recommend!”

3. “The BGES Group team simplified our insurance needs and provided us with excellent service.”

Get in Touch

Don’t leave your business exposed to unnecessary risks. Protect your operations with expert insurance solutions from BGES Group.

Contact Gary Wallach today to discuss your coverage needs:

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Visit the BGES Group website for more information: www.bgesgroup.com

Conclusion

Contractors’ liability insurance plays a crucial role in managing risk on construction projects. Understanding how additional insured coverage works—and its implications for subcontractors, GCs, and owners—can help you avoid disputes and ensure adequate protection. With the expertise of BGES Group, you can rest assured that your business is safeguarded against unexpected claims.

The Experience Modification Factor (MOD) is a critical component of workers’ compensation insurance premiums for businesses in New York. Calculated by the New York Compensation Insurance Rating Board (NYCIRB), this factor directly impacts how much a business pays for its workers’ compensation insurance, based on its loss experience compared to industry averages. A higher MOD indicates a higher risk of claims, resulting in increased premiums, while a lower MOD reflects better-than-average claims performance, leading to savings.

How the Experience Modification Factor Works

The NYCIRB determines the MOD by analyzing a company’s actual loss experience (claims) compared to the expected losses for businesses of similar size and industry.

• Payroll: This reflects the size of the workforce and is classified into specific job roles, each with its own risk rating.

• Claims History: Both frequency and severity of past claims are considered, with a greater weight given to frequent small claims over occasional large claims.

• Expected Losses: Calculated based on industry averages for the classification of the business.

The MOD is then expressed as a multiplier, with 1.0 being the industry average:

• A MOD of 1.0 means the business pays the industry average for workers’ comp premiums.

• A MOD above 1.0 increases premiums, while a MOD below 1.0 reduces them.

Four Examples of MOD Calculations

Example 1: MOD = 1.75

A construction company with frequent workplace injuries has a high MOD.

• Payroll: $1,000,000

• Expected Losses: $30,000

• Actual Losses: $52,500

• Impact: This company pays 75% more than the average premium for its classification due to its poor safety record.

Example 2: MOD = 1.20

A manufacturing business with occasional claims.

• Payroll: $1,000,000

• Expected Losses: $20,000

• Actual Losses: $24,000

• Impact: This business pays 20% more than average, reflecting slightly higher-than-expected losses.

Example 3: MOD = 1.0

A retail business with no significant claims history.

• Payroll: $1,000,000

• Expected Losses: $15,000

• Actual Losses: $15,000

• Impact: This business pays the average premium, matching its industry’s baseline.

Example 4: MOD = 0.90

An office-based company with a strong safety record and no recent claims.

• Payroll: $1,000,000

• Expected Losses: $10,000

• Actual Losses: $7,500

• Impact: This business enjoys a 10% reduction in premiums due to its exemplary claims history.

Regulation 59: Promoting Workplace Safety and Compliance

Regulation 59 was implemented to encourage businesses to address high MODs by adopting safety and risk management programs. Employers with MODs exceeding 1.30 are required to participate in a safety plan or risk improvement program to reduce claims frequency and severity.

Key features of Regulation 59 include:

1. Mandatory Safety Programs: Employers with high MODs must work with insurers to implement targeted safety measures.

2. Compliance Monitoring: Failure to comply can result in penalties or higher premium rates.

3. Long-Term Benefits: By reducing accidents, businesses can improve their MOD over time, leading to significant cost savings.

Take Control of Your Workers’ Comp Costs

Managing your Experience Modification Factor requires proactive safety management, claims handling, and expert insurance guidance. At BGES Group, we specialize in helping businesses in New York lower their MOD and secure better workers’ compensation coverage at competitive rates.

Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to learn how we can help your business reduce costs, improve safety, and achieve peace of mind with tailored insurance solutions.

In New York, construction is one of the most heavily regulated industries, with Labor Laws 240 and 241 standing out for their significant impact on contractor liability. These laws aim to protect workers but also expose contractors to strict liability lawsuits. Including labor law coverage in your liability insurance is essential to protect your business from costly claims. Additionally, a written insurance and hold harmless agreement between subcontractors and general contractors is vital for managing risk effectively.

What Are Labor Laws 240 and 241?

• Labor Law 240 (The Scaffold Law):

This law places strict liability on contractors and property owners for accidents involving gravity-related risks, such as falls from scaffolding or being struck by falling objects. Workers injured in these accidents can sue even if their negligence contributed to the incident.

• Labor Law 241:

This law requires construction sites to meet strict safety standards. Contractors and property owners are held liable for injuries resulting from noncompliance, regardless of whether they were directly responsible for the unsafe conditions.

Examples of Labor Law Liability Claims

1. Scaffolding Collapse:

A worker falls 20 feet from an unstable scaffold and suffers severe injuries. The worker files a claim under Labor Law 240, and the court awards $2.8 million for medical expenses, lost wages, and pain and suffering.

2. Falling Object Incident:

A worker is struck by a falling tool due to the lack of safety netting. The contractor is sued under Labor Law 240, resulting in a $2.4 million settlement.

3. Unsafe Work Area:

A worker slips on oil left on a construction site floor and suffers a back injury. The claim is filed under Labor Law 241, and the court awards $1.9 million.

The Risks of Not Having Labor Law Coverage

Contractors without labor law coverage face severe financial risks:

1. Example 1:

A subcontractor’s employee falls from a ladder due to improper setup. The worker sues the general contractor for $3 million under Labor Law 240. Without labor law coverage, the contractor must pay out-of-pocket, jeopardizing the company’s financial stability.

2. Example 2:

A worker sues for $2.5 million after being hit by falling debris. The contractor’s general liability policy excludes labor law coverage, leaving the business exposed to the full cost of the judgment and legal fees.

The Importance of Written Insurance and Hold Harmless Agreements

A written insurance and hold harmless agreement between subcontractors and general contractors is critical to mitigating risk and protecting all parties involved.

• Hold Harmless Clause:

Subcontractors agree to indemnify and defend the general contractor and property owner against claims arising from the subcontractor’s work. This shifts liability to the responsible party.

• Insurance Requirements:

Subcontractors must list general contractors and property owners as additional insureds on their general liability and umbrella liability policies. This ensures the subcontractor’s insurance responds to claims, reducing the general contractor’s exposure.

• Recommended Insurance Coverages and Limits:

• General Liability Insurance: Minimum $1 million per occurrence and $2 million aggregate.

• Umbrella/Excess Liability: Minimum $5 million to $10 million, depending on project size.

• Workers’ Compensation Insurance: Statutory limits with no lapses.

• Primary and Non-Contributory Coverage: Ensures the subcontractor’s insurance is primary.

• Waiver of Subrogation: Prevents the subcontractor’s insurer from seeking reimbursement from the general contractor.

These provisions provide financial protection, clarify responsibilities, and reduce litigation risks for all parties.

How BGES Group Can Help

BGES Group specializes in providing insurance solutions tailored to New York contractors. Here’s why contractors trust BGES Group:

• Labor Law Expertise: We understand the complexities of Labor Laws 240 and 241 and ensure your policy includes labor law coverage to protect against costly claims.

• Tailored Insurance Solutions: We customize coverage to meet your unique needs, including hold harmless agreements and adequate limits.

• Competitive Pricing: With access to a wide range of insurance carriers, we secure the best rates for quality coverage.

• Personalized Service: Our boutique approach ensures you receive expert guidance and attentive support.

By partnering with BGES Group, you gain a trusted advisor who helps protect your business while reducing costs.

Contact BGES Group

For expert insurance solutions, contact Gary Wallach today:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• website: http://www.bgesgroup.com

Protect your construction business with BGES Group—New York’s trusted construction insurance experts.

Navigating the complex landscape of insurance can be a daunting task, especially for general contractors in bustling New York City. Choosing the right insurance policy is crucial to protecting your business against unforeseen events and liabilities. This guide will walk you through essential tips and considerations to help you make an informed decision.

Understanding the Importance of Contractor Insurance

General contractor insurance provides crucial protection against various risks, including property damage, injuries, and legal liabilities. In a city as dynamic as NYC, having the right coverage is not just a legal necessity but also a strategic business decision. The unique urban environment intensifies the range of potential risks contractors face. From high-rise construction jobs to dense residential areas, every project increases exposure to potential incidents. Without the proper coverage, a single accident or mistake can result in catastrophic financial losses.

Moreover, contractor insurance is integral to meet client expectations and regulatory requirements. Clients often demand evidence of insurance before projects commence, seeing it as an assurance of professionalism and reliability. By having comprehensive general contractor insurance in NYC, contractors not only protect themselves but also reassure clients that they are committed to handling any potential liabilities efficiently. This commitment can lead to more business opportunities as clients prefer contractors who minimize risks associated with construction projects. As construction regulations evolve, staying updated and compliant through proper insurance is crucial for enduring success in this competitive environment.

Insurance also plays a pivotal role in business continuity planning. In NYC, where the construction sector is a major economic driver, any interruption can have ripple effects. Adequate coverage ensures that in case of unforeseen events such as natural disasters or major accidents, businesses can recover quickly without severe financial setbacks. By maintaining appropriate insurance policies, contractors demonstrate resilience, a quality highly valued in the ever-changing urban landscape.

Identifying Your Specific Insurance Needs

Every contractor’s needs differ based on the types of projects they undertake. Whether it’s residential, commercial, or government projects, each has unique requirements that affect your insurance needs. Evaluate potential risks and required coverages like liability, worker’s compensation, and equipment protection. Consider coverage for unexpected events specific to your field; for instance, professional liability insurance addresses errors in architectural design or contract specifications.

Begin by conducting a risk assessment of your operations. Identify the scope of projects you handle and the typical environments you work within. This process helps to detect areas where you might be underinsured or overexposed to risks. For example, contractors dealing with high-value urban projects might require higher liability limits compared to those working in less populated regions. Legal requirements such as the New York Scaffold Law, which places additional liabilities on contractors for height-related work, necessitate special attention in policy selection. Coverage options should reflect these scenarios adequately.

Additionally, understanding client requirements is vital. Different clients might request varying coverages based on their own policies or the nature of the contract. Being aware of these requirements not only helps in securing insurance that aligns with client expectations but also smooths operations and negotiations. Larger projects might demand evidence of more specialized policies, such as pollution liability or umbrella liability insurance. Maintaining a close dialogue with clients can clarify these requirements and ensure that your coverage is always one step ahead.

Finally, recognize the value of workers’ compensation. With New York’s stringent labor laws, providing a comprehensive safety net for your workforce isn’t merely a legal box to tick; it’s a cornerstone in cultivating a safe and productive work environment. This insurance does not only protect against financial liabilities stemming from workplace injuries but also fosters trust and confidence among your team, enhancing morale and productivity across projects.

Comparing Policy Options and Providers

With numerous insurance providers offering varying policies, comparison shopping is vital. Look at factors such as coverage limits, exclusions, deductibles, and the reputation of the insurer. Consulting with a knowledgeable broker can be beneficial to navigate the options available. Brokers who specialize in the New York market understand local nuances and can recommend comprehensive policies that meet specific legal and operational needs.

Furthermore, leveraging reviews and testimonials from other contractors can provide insights into the reliability and customer service of potential insurers. A strong track record often indicates an insurer’s ability to handle claims promptly and effectively, a crucial aspect when resolving disputes. Without efficient claims processing, even the most comprehensive policies can fall short during crucial times. Engaging with other professionals within your network can provide recommendations, helping you select a provider with a proven capability to cater to contractors’ unique needs.

Additionally, examine any value-added services offered by insurers. These can include risk management resources, legal consultation for compliance with NYC construction laws, and even technology integrations for monitoring project progress and safety. Such services, often included as part of a policy package, not only enhance operational efficiency but also strengthen a contractor’s ability to mitigate risks prior to incidents occurring.

Two critical metrics are premiums and deductible options. While it might be tempting to choose the policy with the lowest upfront cost, it’s crucial to ensure it offers adequate coverage for real-life scenarios you may face. Balancing these costs with the policy benefits requires strategic planning and sometimes input from multiple professionals. Consider adopting a higher deductible for reduced monthly premiums if your operational cash flow supports such a decision, allowing you to maintain comprehensive coverage while managing costs. For more tips on cost-saving strategies, visit our detailed blog post.

Recognizing Common Exclusions

Being aware of what is not covered by a policy is as important as knowing what is included. Common exclusions in general contractor insurance policies can comprise of faulty workmanship or materials, certain natural disasters, and intentional acts. These exclusions are pivotal as they identify scenarios where contractors are most vulnerable.

Faulty workmanship is a common blind spot. Coverage typically does not extend to damages arising directly from poor quality work or materials used. This gap emphasizes the need for contractors to maintain quality standards and thorough supervision of project execution. Additionally, coverage for specific disasters like floods or earthquakes needs to be verified, especially in areas with higher susceptibility to such events.

Another critical exclusion to consider revolves around contractual liabilities. Policies often exclude liabilities assumed under contract unless specifically endorsed. It is crucial to fully understand how these clauses align with project agreements, ensuring no discrepancies lead to unexpected out-of-pocket expenses. Effective risk management and tight contract negotiations can help you navigate these exclusions, augmenting the peace of mind insurance aims to provide.

Tips for Reducing Premium Costs

Insurance premiums can be a significant expense for contractors. To manage costs without sacrificing essential coverage, consider strategies like bundling policies, increasing deductibles, and implementing risk management practices within your business. Many insurers offer discounts for combining multiple policies under one provider, such as liability, property, and vehicle insurance, which can result in significant savings.

Investing in comprehensive risk management strategies can also lead to lower premiums. By implementing safety protocols, conducting regular staff training, and investing in modern safety equipment, you decrease the likelihood of accidents and claims, which can lead to reductions in premium costs. Engaging regularly with your insurer to review and update your risk profile demonstrates proactivity, potentially unlocking discounts and favorable terms.

Also, consider working with a provider with flexible payment arrangements and competitive rates, such as the options available through BGES Group. For contractors operating in regions with seasonal fluctuations in workload, discussing tailored payment plans with your insurer can offer financial relief during leaner months.

Review your coverage periodically and adjust it as necessary. Business operations evolve, and staying attuned to these changes can prevent over- or under-insurance. An annual policy review with your insurer not only ensures optimal coverage but can also reveal opportunities for cost optimization. For more expert advice on crafting an insurance package tailored to your needs, visit this page where BGES Group offers comprehensive insights.

Secure Your NYC Contracting Business with the Right Insurance

Selecting the right general contractor insurance in NYC requires careful evaluation, research, and understanding of both your specific needs and the unique challenges of operating in the city. By following these tips and performing due diligence, you can ensure your business is well-protected and poised for success.

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group
 

As a New York contractor, balancing the need for comprehensive workers comp insurance coverage with the desire to keep premiums affordable can be challenging. BGES Group specializes in helping contractors like you navigate these complexities. We provide customized solutions that not only enhance your coverage but also help reduce costs. Here are 10 ways BGES Group can transform your workers comp insurance program.

1. Accessing Specialty Insurance Programs

BGES Group offers access to exclusive programs designed for contractors, including those in high-risk industries like roofing, demolition, or asbestos removal. These programs often provide enhanced coverage options at competitive rates, helping you meet your unique needs while saving on premiums.

2. Eliminating Comprehensive Annual Audits

Annual audits can be a headache for contractors, often leading to unexpected charges. BGES Group offers programs that eliminate these comprehensive audits, ensuring smoother operations and fewer surprises while maintaining compliance with workers comp insurance requirements.

3. Ensuring Payroll Caps Are Applied

In New York, certain payroll categories have caps that can reduce your premium if applied correctly. BGES Group reviews your payroll setup to confirm these caps are utilized, preventing overpayment on your workers comp policy.

4. Identifying the Need for Out-of-State Coverage

Many contractors don’t realize they need workers comp insurance coverage for operations in other states. If you work outside New York, BGES Group ensures your policy meets out-of-state requirements, protecting you from costly gaps in coverage.

Helping You Take Advantage of NYCPAP Credit

New York contractors can benefit from the New York Construction Premium Adjustment Program (NYC PAP), which offers credits to businesses with higher wages. BGES Group ensures you apply for and maximize this credit, which can significantly reduce your workers comp insurance premium without sacrificing coverage.

6. Providing Guidance on Payroll Classifications

Incorrect payroll classifications can inflate your workers comp insurance premium. BGES Group reviews your classifications and ensures accuracy, potentially leading to significant savings while keeping your coverage aligned with your operations.

7. Enhancing Risk Management Practices

By identifying workplace hazards and implementing safety improvements, BGES Group helps reduce your claims history, which directly impacts your workers comp insurance premium. From safety training to site audits, our risk management solutions protect your workers and your bottom line.

8. Reducing Claims Impact with Return-to-Work Programs

BGES Group helps contractors develop effective return-to-work programs, minimizing the financial impact of claims. By getting employees back to light-duty work quickly, you can reduce claim costs and improve your experience modification rate (EMR), lowering your workers comp costs.

9. Ensuring Subcontractor Compliance

Working with uninsured or underinsured subcontractors can expose you to liability and drive up your workers comp insurance premium. BGES Group ensures subcontractor compliance with insurance requirements, helping you avoid penalties and maintain affordable coverage.

10. Educating Clients on Comprehensive Coverage

Understanding your policy is key to optimizing workers comp coverage. BGES Group educates contractors on policy details, helping you balance cost and protection. From understanding payroll audits to learning about premium credits, we empower you to make informed decisions.

Why Choose BGES Group?

BGES Group has decades of experience working with New York contractors. Our boutique approach means we treat every client as a priority, providing tailored solutions that align with your business needs. Whether you’re looking to improve coverage, lower premiums, or both, our team is here to guide you every step of the way.

Comprehensive Services for New York Contractors

Here’s how BGES Group’s unique services make a difference:

• NYCPAP Credit: We ensure you apply for all available credits to maximize your savings.

• Audit-Free Programs: Eliminate unnecessary annual audits and keep your policy stress-free.

• Payroll Cap Application: Prevent overpaying by ensuring caps are correctly applied.

• Out-of-State Coverage: Avoid gaps in coverage when working across state lines.

• Exclusive Programs: Access specialized insurance for high-risk industries.

• Risk Management Expertise: Reduce claims with expert guidance on safety and compliance.

Contact BGES Group Today

Don’t let your workers comp insurance premium control your budget. Take charge with BGES Group’s expert solutions.

• Gary Wallach

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

Let BGES Group help you improve your workers comp coverage and save money today!

When world leaders and religious figures from across the globe agree on something, you know it’s significant. And when Gary Wallach’s wife adds her voice to the chorus, it becomes downright indisputable. Tri-State business owners, take note: BGES Group is the insurance agency your workers’ compensation needs have been waiting for. Gary Wallach, the founder, is more than just an insurance broker—he’s a beacon of integrity, dedication, and unparalleled service in a sea of factory-like agencies.

But why do such a wide array of influential voices champion BGES Group? Let’s dive into 10 reasons why politicians, clergy, and even Gary Wallach’s spouse think BGES Group is the ultimate choice for workers’ compensation insurance.

1. Gary Wallach: The Perfect Blend of Boy Scout and Street Fighter

Gary Wallach is a man of many talents and even more virtues. Like a Boy Scout, he embodies honesty, loyalty, and a deep commitment to doing the right thing for his clients. But don’t mistake his wholesome demeanor for weakness—when it’s time to fight for his clients, Gary transforms into a street-smart advocate, navigating the complexities of the insurance world with unparalleled skill.

2. Boutique Service That Feels Personal

Unlike the large, impersonal insurance “factories,” BGES Group offers a boutique, mom-and-pop-like experience. Gary and his team know their clients by name, not by policy number. Every client receives customized solutions, personal attention, and a level of care that’s rare in today’s business world.

3. No Hidden Fees

One of Gary’s most admirable qualities is his commitment to fairness. BGES Group doesn’t burden clients with ridiculous service or policy fees. What you see is what you get—transparent pricing with no surprises.

4. Politicians Respect His Integrity

World politicians endorse BGES Group because they know Gary Wallach operates with integrity. In an industry sometimes plagued by shady practices, Gary stands out as a trustworthy advocate who always prioritizes his clients’ best interests.

5. Religious Leaders Value His Commitment to Helping Others

From rabbis to priests, imams to monks, religious leaders agree: Gary Wallach exemplifies the principles of service, honesty, and compassion. His dedication to helping business owners navigate the often-confusing world of workers’ compensation is nothing short of inspiring.

6. He’s Always There When You Need Him

Gary Wallach isn’t the type to disappear once the paperwork is signed. Whether it’s answering a late-night call, resolving a claim, or providing advice, Gary is always there for his clients. His reliability is one of the reasons so many recommend BGES Group.

7. A Fighter for His Clients

When insurance carriers try to play games, Gary is ready to step into the ring. He’s fought and won countless battles to ensure his clients get the coverage and support they deserve. Whether it’s lowering premiums or resolving disputes, Gary fights like it’s personal—because to him, it is.

8. He’s Not a Kazakh (and That’s a Good Thing)

Sure, this might seem like an odd point, but let’s face it: Gary Wallach’s Tri-State roots give him a unique understanding of local businesses and their challenges. Unlike someone who might parachute in from halfway around the world, Gary knows the nuances of the Tri-State area like the back of his hand.

9. Unmatched Expertise in Workers’ Compensation

Gary Wallach is a true expert in workers’ compensation insurance. From navigating complex regulations to finding the best policies for high-risk industries like construction and trucking, BGES Group has the know-how to tackle any challenge.

10. His Wife Says So

Let’s not underestimate the power of spousal endorsement. Gary’s wife knows him better than anyone, and her stamp of approval speaks volumes. If the person closest to him believes in his character and capabilities, why wouldn’t you?

A Few Words From BGES Group Clients

Don’t just take our word for it—here’s what some of BGES Group’s satisfied clients have to say:

         1.          “Gary Wallach is simply the best! He helped us save money while improving our coverage. He’s always available to answer questions and provide guidance. Highly recommend!”

         2.          “BGES Group treats you like family. Gary and his team genuinely care about their clients and go above and beyond to ensure everything is perfect.”

         3.          “I’ve never worked with an insurance broker as dedicated as Gary Wallach. He fights for his clients like no one else. Truly a class act!”

         4.          “Switching to BGES Group was the best decision we ever made. Gary is knowledgeable, professional, and an absolute pleasure to work with.”

         5.          “Gary’s personalized service and attention to detail are unmatched. We’re so glad we found BGES Group!”

Contact BGES Group Today

If you’re a Tri-State business owner looking for workers’ compensation insurance that combines expertise, transparency, and unparalleled service, look no further than BGES Group.

            •             Contact Gary Wallach:

       •             Phone: 914-806-5853

       •             Email: bgesgroup@gmail.com

       •             Website: bgesgroup.com

Gary Wallach isn’t just a broker; he’s a champion for Tri-State businesses, a friend to his clients, and, according to world leaders, religious figures, and his wife, the best in the business. Don’t settle for less—let BGES Group show you the difference a boutique insurance agency can make.