Choosing the right contractor insurance in NJ is crucial for protecting your business and ensuring peace of mind. With so many options available, it can be overwhelming to decide what coverage you need. This guide is here to simplify the process, helping you make an informed decision with confidence.

Identify Your Business Needs

Understanding the specific needs of your business is the first step. Consider the type of work you do, the size of your business, and any specific risks associated with your projects. In New Jersey, for instance, contractors often require multiple types of business insurance including general liability, workers’ compensation, and commercial auto coverage.

Assessing your business operations helps in pinpointing what coverage is critical. If you have employees, state law mandates that you carry workers’ compensation insurance. This will cover medical costs and lost wages if an employee is injured on the job.

Know the Basic Types of Coverage

Familiarize yourself with the basic types of insurance coverage available. General liability insurance is essential as it protects against expenses related to common mishaps, such as property damage and bodily injuries. Moreover, tools and equipment insurance is essential for contractors who rely heavily on their gear for everyday operations. Having this coverage ensures that your equipment is protected against theft or damage.

Additionally, depending on the nature of your work, including additional coverage like builder’s risk insurance might be necessary. This form of insurance can cover fires, vandalism, and equipment theft on a construction site.

Research Different Insurance Providers

Look into different insurance providers in NJ, comparing their reputation, financial stability, and customer service. Reading reviews and testimonials can also be insightful. Using advanced platforms, such as Insureon’s industry-leading technology, can help save time by comparing policies from top U.S. providers geared specifically for NJ contractors.

When researching, ensure the provider comprehends your specific industry needs, and offers tailored solutions that match the exact nature of the construction environment in NJ.

Compare Quotes and Coverage Options

Gather quotes from various providers to compare costs and coverage options. This helps in ensuring that the policies address all your identified business needs. Utilize tools that let you start a free online application to review quotes for different policies, thus allowing for educated comparisons.

Keep in mind that while cheaper policies might save some dollars upfront, they may lack essential coverage. Therefore, always make sure your selected policy thoroughly protects your business against potential risks.

Consult with an Insurance Specialist

Seeking the advice of an insurance specialist can provide clarity and help you make the best decision. They can offer invaluable insights tailored to your unique situation. Specialists understand local regulations and can assist in customizing a feasible and comprehensive insurance package for your business.

Furthermore, consulting experts ensures you’re steering clear of common insurance pitfalls. For instance, our blog ‘The Top Contractor Insurance Mistakes to Avoid’ shares crucial insights on avoiding pitfalls in selecting contractor insurance here.

Make an Informed Decision Today!

Selecting the right contractor insurance in NJ involves understanding your needs, researching your options, assessing potential insurers, and seeking expert advice. By following these steps, you’ll be well-equipped to choose insurance that provides comprehensive coverage tailored to your business.

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

For contractors in New York, obtaining liability insurance has become a formidable challenge. Unlike other states, New York’s legal environment — particularly its stringent Labor Law, specifically Section 240, also known as the “Scaffold Law” — imposes absolute liability on contractors for accidents involving falls from heights. This law means that even if all safety protocols are in place, contractors can still be held fully liable for injuries. Consequently, premiums are exceptionally high, coverage options are limited, and contractors struggle to find policies that offer adequate limits. These unique hurdles make insuring construction projects in New York significantly more expensive and complicated compared to other states.

Key Challenges in Liability Insurance for New York Contractors

1. Skyrocketing Costs:

Due to the strict liability nature of New York’s Labor Law, contractors in the state often face insurance premiums that are several times higher than those in other regions. The increased risk for insurers translates directly to steep costs for contractors, placing a substantial financial burden on their operations.

2. Limited Coverage Availability:

Many insurance companies hesitate to cover New York contractors, given the high-risk landscape. For those willing to provide coverage, the policies often come with restrictive terms, such as higher deductibles and limited coverage scope, leaving contractors with fewer options to fully protect their businesses.

3. Difficulty Securing Adequate Limits:

Given the potential for large claims under the Labor Law, finding insurance policies with sufficient coverage limits is critical yet challenging. Contractors may struggle to obtain policies that protect them from the high payouts often required in fall-related accidents.

4. Complex Legal Requirements:

Navigating New York’s labor laws requires an in-depth understanding of the legal implications of every project. Contractors must work carefully to understand the potential liabilities associated with each project, as well as how insurance policies can mitigate these risks.

5. Impact on Small Contractors:

For smaller contractors, the high cost of liability insurance can be particularly problematic, reducing their ability to compete. In some cases, prohibitive premiums even discourage smaller businesses from bidding on certain jobs, reducing their opportunities and potential growth.

New York’s Labor Law: Unique Concerns for Contractors

New York’s Labor Law intensifies the challenges of liability insurance for contractors, with several specific factors creating additional risks.

• Absolute Liability for Falls:

The Scaffold Law imposes absolute liability for falls from heights, meaning that even if a contractor has implemented all safety measures, they can still be liable if an accident occurs. This unyielding standard drives up premiums and limits insurer participation in the New York construction market.

• Broad Interpretation of “Gravity-Related Hazards”:

New York courts often interpret gravity-related hazards broadly, expanding the scenarios in which contractors can be held liable for accidents. This broad interpretation further raises the stakes for liability and complicates risk assessment.

• Liability for Subcontractor Claims:

In New York, contractors are often held liable for injuries sustained by subcontractors on their projects. This adds a layer of responsibility for contractors, who must ensure not only their employees’ safety but also the safety of every subcontractor they hire.

How New York Contractors Can Address These Liability Challenges

Despite these tough circumstances, there are several strategic steps contractors can take to manage their liability insurance challenges in New York:

• Work with an Experienced Insurance Broker:

One of the best steps a contractor can take is to consult a broker who specializes in New York construction insurance. BGES Group, for instance, is a New York Construction Insurance Specialist with the expertise to help contractors find the right coverage and competitive rates. With a deep understanding of local laws and market conditions, they can provide insights and solutions that general brokers may not.

Contact Gary Wallach at BGES Group at 914-806-5853 to discuss your insurance needs and explore ways to protect your business without breaking the bank.

• Prioritize Safety Protocols:

Implementing robust safety protocols is crucial for minimizing accidents and reducing the risk of claims. Contractors who can demonstrate a commitment to safety may find more favorable insurance options.

• Review Contracts and Indemnity Clauses Carefully:

Contracts should be carefully examined to clarify liability and indemnity terms, helping contractors manage risk allocation with clients and other contractors involved in a project.

• Stay Updated on Legal Developments:

Given the ongoing evolution of New York’s Labor Law, contractors need to stay informed about legislative updates and judicial interpretations. Awareness of these changes can help contractors make informed decisions about risk management.

About BGES Group: Specialists in New York Construction Insurance

BGES Group is dedicated to helping New York contractors tackle the unique challenges of liability insurance. With expertise in local construction law and a deep understanding of the state’s insurance market, BGES Group offers personalized solutions to help contractors find the coverage they need at rates they can afford.

Whether you’re struggling with high premiums, limited policy options, or confusing liability requirements, BGES Group can guide you through every step of the insurance process. For more information on how BGES Group can assist with your insurance needs, reach out to:

Gary Wallach

BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: bgesgroup.com

With BGES Group’s specialized knowledge and dedicated service, New York contractors can find peace of mind and insurance solutions tailored to their unique needs.

BGES Group proudly serves New York, New Jersey, and Connecticut, offering specialized expertise in workers’ compensation insurance. Here’s why you should partner with us:

• Experts in Tri-State workers’ compensation coverage.

• Competitive rates tailored to your industry.

• Customized solutions designed for your unique needs.

• Boutique service with a client-centered approach.

• Proven ability to lower clients’ insurance costs.

• Strong relationships with top-rated insurance carriers.

• Experience in high-risk industries, including construction and trucking.

• Dedicated support for quick and smooth claims processing.

• Proactive guidance to improve workplace safety.

• Committed to securing your business’s future.

10 Problems BGES Group Can Help You Solve

• Difficulty finding coverage after a non-renewal.

• Loss history causing obstacles in getting new insurance.

• Payroll misclassification issues increasing premiums.

• Operating in multiple states where current insurance doesn’t apply.

• Excessive policy or service fees from your current agency.

• Delays in receiving certificates of insurance.

• Experience modification rate (EMR) issues affecting costs.

• Challenges with subcontractor coverage and compliance.

• Problems with getting customized coverage for specific risks.

• High premiums impacting your company’s bottom line.

What Our Clients Are Saying About Us

• “BGES Group saved us thousands and made the process stress-free. Their team is top-notch!”

• “Reliable, knowledgeable, and focused on helping our business thrive. Highly recommend!”

• “Switching to BGES Group has been one of the best decisions we’ve made for our business.”

• “They handle every detail of our insurance, so we can focus on what matters—growing our company.”

• “Exceptional service and prompt responses. BGES Group genuinely cares about its clients.”

Contact BGES Group Today

For trusted workers’ compensation solutions, contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. Let BGES Group help secure the best coverage for your business!

In New York, workers’ compensation insurance is designed to protect both employees and employers from the financial impact of workplace injuries and illnesses. It provides two essential types of coverage:

1. Medical and Wage Replacement Coverage

This primary coverage, often referred to simply as “workers’ compensation,” pays for medical expenses, rehabilitation costs, and a portion of lost wages for employees injured or made ill due to job-related activities. This coverage is mandatory in New York, ensuring that employees have access to necessary medical care and wage replacement without having to bear the costs themselves.

2. Employers Liability Insurance

Employers Liability is a crucial yet often overlooked component of workers’ compensation policies. While standard workers’ comp covers direct medical and wage costs for injuries or illnesses, Employers Liability protects the employer against lawsuits from employees or other third parties. Here’s how Employers Liability coverage works and the types of claims it could protect against:

What is Employers Liability Insurance?

Employers Liability insurance covers the employer in situations where an injured employee, their family members, or even third parties bring a lawsuit against the employer for damages related to a workplace injury. Without this coverage, employers could be financially responsible for legal fees, settlements, or judgments.

Types of Claims Covered Under Employers Liability Insurance

Here are several types of claims Employers Liability insurance may cover:

• Third-Party Over Claims: This occurs when an injured employee sues a third party (such as a contractor or equipment manufacturer) who then brings a claim against the employer, alleging that the employer’s negligence led to the injury.

• Loss of Consortium Claims: If an employee is severely injured and cannot maintain a spousal relationship due to their injury, their spouse may file a loss of consortium claim, alleging that the employer is responsible for the impact on their relationship.

• Dual Capacity Claims: This occurs when an employee is injured due to a product manufactured by their employer and files a lawsuit against the employer in their “capacity” as the product manufacturer, separate from their role as an employer.

• Consequential Bodily Injury Claims: Family members of an injured employee may file claims if they suffer an injury or illness as a consequence of the employee’s original injury, such as stress-induced health issues resulting from the impact on family life.

• Intentional Tort Claims: In cases where an employer’s deliberate actions cause harm to an employee, Employers Liability coverage may respond. However, coverage can vary as some intentional acts may not be covered depending on policy terms.

Employers Liability is crucial for any New York business, as it provides additional layers of protection beyond the basic workers’ compensation requirements. This coverage helps protect the employer from potentially costly lawsuits and provides peace of mind in knowing that these situations are covered.

How BGES Group Can Help

At BGES Group, we specialize in workers’ compensation insurance and are committed to helping Tri-State area employers understand and secure comprehensive coverage to protect both their employees and their business. We offer personalized guidance to ensure that you have the right coverage in place, including essential Employers Liability insurance.

For more information, contact Gary Wallach at BGES Group. Reach him by phone at 914-806-5853 or email at bgesgroup@gmail.com. Let us help you safeguard your business and employees with the best possible workers’ compensation solutions.

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

Embarking on a construction venture is an exciting yet complex endeavor. With numerous moving parts, securing building project insurance is essential. This insurance provides peace of mind and offers multiple benefits tailored to the construction industry. Join us as we delve into the key advantages of having building project insurance for your next project.

1. Financial Protection Against Unexpected Risks

Construction projects are fraught with uncertainties and unexpected events. Building project insurance provides financial protection, ensuring that unforeseen incidents do not derail your project. From natural disasters to accidents and theft, these unpredictable events can lead to significant financial setbacks. With building project insurance, you’re covered against such occurrences, offering you a safety net to manage risks effectively. This means that if the worst happens, your coverage can help shoulder the financial burden, allowing your project to continue without unnecessary financial strain.

Moreover, having solid insurance can transform unpredictable risks into manageable issues. According to Buildertrend, construction insurance is crucial not only for managing day-to-day risks but also for protecting against unforeseen financial setbacks. With proper coverage, stakeholders can be assured that financial losses are minimized, further solidifying the project’s viability and continuity. This financial shield ensures that stakeholders, including investors and builders, have a reliable plan to address any sudden, unwelcome surprises during the construction process.

2. Compliance with Legal Requirements

Many construction projects require compliance with local laws and regulations. Having building project insurance ensures you meet these legal requisites, keeping your project on track and avoiding costly fines. Various regions may have different requirements, but one thing is consistent – without the proper insurance, a project may face legal hurdles that delay or even halt progress. Involving an insurance advisor early can assist in identifying specific coverages needed to satisfy all local and municipal laws, maintaining the project’s legal standing and preventing unnecessary legal conflicts.

An added benefit is that having insurance in place can be a trust-building exercise with local authorities and clients. When contributing stakeholders understand that all necessary legalities are being adhered to, it bolsters the credibility and professionalism of the construction company involved. Adhering to legal requirements not only ensures the smooth progression of a project but also protects the company from lawsuits or penalties, saving time and resources that would better be spent on the project itself.

Securing the right insurance company can provide peace of mind, knowing that legal compliance is continuously met throughout the duration of your build. With regulations frequently shifting, insurance providers can also offer updates and advice on maintaining compliance, keeping the construction process on track and avoiding any legal discrepancies. This added oversight can prove invaluable in navigating the legal landscape of construction projects.

3. Coverage for Property Damage

Construction sites are prone to accidental damage. Insurance coverage alleviates the financial burden of repairing property damage, allowing you to focus on project completion. For instance, builder’s risk insurance specifically covers materials, scaffolding, and other aspects of the construction site that may suffer harm from unexpected events like storms, vandalism, or accidental fires. This coverage is crucial because any damage to ongoing construction could lead to massive financial implications that stall the timeline of delivery.

According to insights from the Full Guide to Construction Insurance, not only does this insurance provide coverage for tangible losses, but it also includes financial protection for scenarios like theft and vandalism. With such comprehensive property coverage, construction managers are able to handle unforeseen problems without significant out-of-pocket expenses. Ensuring this protection early in the project’s timeline is a wise decision that safeguards not just the physical assets but also the broader future of the project.

4. Protection for Project Delays

Delays in construction can be costly. Insurance can provide compensation for losses incurred from delays, maintaining your project’s financial viability. Many factors can lead to unforeseen delays, from supply chain disruptions to sudden labor shortages. With the right insurance coverage, financial risks associated with such interruptions are minimized. This safety net can cover additional costs, ensuring schedules remain as unaffected as possible, and stakeholders receive assurance that deadlines are a priority.

Furthermore, project delay insurance helps manage the financial repercussions by covering potential income loss and compensating for ongoing financing costs. This is particularly important for projects funded via loans where repayment periods remain uncompromising despite project setbacks. Staying financially balanced during delays protects the contractor’s reputation and minimizes the potential for disputes with project financiers or stakeholders, keeping confidence intact.

5. Liability Coverage for Accidents and Injuries

Safety is paramount in construction. Insurance offers liability coverage for accidents and injuries on-site, protecting you from potentially devastating financial claims. Working on construction sites inherently involves risks, and even with strict safety protocols, accidents may occur. Liability insurance covers expenses arising from such incidents, including medical bills and legal fees, which might otherwise become a steep financial burden. This ensures that both workers and employers are safeguarded, contributing to a safer work environment.

Liability insurance also extends to covering incidents involving third-parties and acts as a preventive measure against lengthy legal battles. Securing an appropriate liability policy not only protects against claims but also underscores the importance of adhering to stringent safety measures, which can lead to decreased incidents. This dual approach ultimately limits the number of claims, creating a virtuous cycle of protection and safety in practice. By partnering with experienced insurance specialists, you can tailor your liability coverage to fit the specific risks and needs of your construction venture.

6. Safeguard Against Financial Losses

Major financial losses can arise from project mishaps. Building project insurance minimizes these risks, safeguarding your investment against unmanageable losses. Projects are substantial investments, comprising not only current capital commitments but also future revenues that hinge on their successful completion. With the right insurance, stakeholders are protected against critical financial losses resulting from various potential mishaps or legal challenges, ensuring that project continuity and financial health remain intact.

7. Enhanced Credibility with Stakeholders

Having insurance signals professionalism and commitment to project stakeholders, enhancing trust and confidence in your construction management team. Clients and partners see insured projects as safer endeavors, minimizing the risk of their investment. This fosters a trustworthy environment that can facilitate easier negotiation for future projects. One could even argue that the surety and stability demonstrated by having complete insurance could lead to competitive advantages when bidding for new contracts, giving your firm an edge in a crowded marketplace.

Beyond immediate trust-building, comprehensive insurance policies reassure clients and partners of your proactive stance in identifying potential risks and managing them efficiently. Attention to such details showcases dedication in delivering a project that is not only viable but also sustainably structured. This consideration strengthens business partnerships and can be a deciding factor for stakeholders considering extending future investment or involvement in additional projects. For those interested, additional resources and coverage options tailored specifically for construction companies can be explored through BGES Group.

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
 

Navigating the world of insurance can be challenging, especially for demolition contractors who face unique risks on the job. In this blog, we’ll break down the must-have types of coverage that can protect your demolition business. From liability to specialized policies, we’ve got you covered!

1. General Liability Insurance

General liability insurance is essential for any business, including demolition contractors. It protects you against claims of bodily injury, property damage, and personal injury that can arise during your operations. Imagine this: you’re working on a building and a stray piece of debris accidentally damages a parked car. Without liability insurance, you’d be responsible for the costs out of pocket. But with this coverage, you’re shielded from such financial burdens. More about this necessary coverage can be found here.

In a demolition setting, the likelihood of incidents is inherently higher. This coverage not only includes legal fees but also helps with medical expenses if someone is hurt due to your operations. With demolition insurance, you can work with peace of mind knowing you’re covered. If you’re curious about how this coverage works specifically for demolition needs, it’s wise to consult tailored policies that address these unique risks.

Having this insurance is also a sign of professionalism. It shows clients and partners that you take your business seriously and are prepared to handle unexpected events responsibly. In the competitive contracting world, having coverage could be the deciding factor in securing jobs. Check out additional ways comprehensive general liability insurance can protect and benefit your business by connecting with specialists at the BGES Group.

2. Workers Compensation Insurance

Accidents can happen on construction sites, which makes workers’ compensation insurance a must-have. This coverage provides benefits to employees who are injured or become ill due to their job, covering medical expenses and lost wages. Consider what would happen if a worker suffers an injury from falling debris during a demolition project. The expenses without this insurance could be monumental. See how BGES Group can streamline your worker’s compensation needs.

Workers’ compensation is not just about complying with the law—it’s about taking care of your team. When your employees know they’re protected, it boosts morale and productivity. Many states require businesses to carry this insurance, and for good reason. It covers more than just medical expenses; it provides disability benefits and helps with rehabilitation costs. As detailed in this guide, understanding the nuances of your policy is critical for business success.

3. Pollution Liability Insurance

Demolition work can unintentionally release hazardous substances into the environment. Pollution liability insurance helps cover the costs associated with cleanup, third-party property damage, and legal fees. For instance, during a demolition, if asbestos or lead is found, the remediation costs could be substantial. This insurance acts as a safeguard against such hefty expenses. It’s especially pertinent for contractors handling high-risk materials regularly. For a deep dive into this coverage, consider reviewing more detailed resources on Pollution Liability.

Environmental regulations are continuously becoming more stringent. Without proper coverage, a violation could lead to fines or worse. Pollution liability insurance not only helps with financial protection but also ensures compliance with environmental laws—a must in today’s eco-conscious market. Consider how insurance policies like these can enhance your business’s adherence to legal standards.

4. Equipment and Tool Coverage

Your tools and equipment are the lifeline of your business. This type of coverage insures your gear against damage or theft, ensuring you can continue operations without significant out-of-pocket costs. Losing a critical piece like an excavator or bulldozer can severely impact work schedules and profitability. Through Inland Marine Insurance, you can protect these vital assets wherever they are needed.

Coverage isn’t limited to equipment; it includes tools, which are often stolen from job sites. Replacing these tools rapidly minimizes downtime and keeps projects on schedule. Insurance ensures you can replace what’s needed without the financial drain. It’s a simple step towards a more resilient business strategy. Learn more about incorporating such coverage into your demolition insurance at BGES Group.

5. Commercial Auto Insurance

Whether you’re transporting tools or debris, having commercial auto insurance is crucial. This coverage protects your business vehicles and drivers on the road, covering accidents, theft, and damage. Imagine the implications of being involved in an accident with uninsured vehicles—the costs could skyrocket. Find more on auto insurance solutions via BGES Group’s insights.

This insurance not only safeguards your valuable assets but also provides liability coverage in case your company vehicle is ever responsible for an accident. In the fast-paced world of demolition, ensuring your team is fully covered helps prevent unwarranted delays and legal issues. Strategies for efficient transportation insurance are detailed further online.

6. Professional Liability Insurance

Also known as errors and omissions insurance, this policy protects you against claims of negligence or mistakes in the services you provide. It’s especially important for contractors who offer consulting or advisory services. If an error in your recommendation leads to a financial loss, this insurance ensures you’re covered. As shared by Tivly, even the most diligent professionals can benefit from this safeguard.

Having professional liability coverage ensures you can continue offering high-quality advice without the constant burden of potential lawsuits. It’s crucial for maintaining trust and credibility with clients. Explore more to see how incorporating this into your insurance strategy can bolster your business’s reputation.

7. Builders Risk Insurance

Builders risk insurance is designed to cover buildings under construction. It can protect you against loss or damage due to various events like fire, vandalism, or weather-related incidents. Protecting ongoing investments in construction projects is crucial. This type of insurance bridges the gap between unforeseen disasters and financial stability. Ensure your projects proceed smoothly by reviewing comprehensive insurance solutions that tackle unexpected challenges head-on.

The nature of demolition work inherently involves transforming spaces, which often includes rebuilding. This insurance allows you to focus on the completion of projects without lingering concerns over potential disruptions. More adaptable coverage insights can be gained from consulting with industry experts specializing in construction insurance. Visit BGES Group for professional advice tailored to the demands of demolition contractors.

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 contractor operating in New York, understanding the nuances of general liability coverage is critical to safeguarding your business. One of the most crucial elements of this coverage involves claims related to New York’s unique Labor Laws, particularly Labor Law 240 and 241. These laws make project owners and general contractors strictly liable for injuries sustained by workers due to falls from heights or other specific construction-related accidents, even if the contractor wasn’t directly responsible for the incident.

If your general liability policy excludes labor law claims, your business could be left financially vulnerable. Let’s explore the consequences of such exclusions through three real-world examples.

What Happens if Labor Law Claims Are Excluded?

When a contractor’s general liability policy excludes labor law claims, the contractor is not covered in the event of an accident that triggers a Labor Law 240 or 241 claim. Without this crucial coverage, the costs of defending the claim and any subsequent settlements or judgments would fall directly on the contractor. This could mean hundreds of thousands or even millions of dollars in liability—jeopardizing your business’s future.

Example 1: A Worker Falls from Scaffolding

Scenario: A subcontractor’s employee is working on a project that requires him to work on scaffolding 15 feet off the ground. Unfortunately, the scaffolding collapses, and the worker falls, sustaining serious injuries.

Claim Type: The injured worker files a lawsuit against the general contractor under Labor Law 240, which is also known as the “Scaffold Law.” This law imposes strict liability for falls from heights, regardless of the precautions taken.

Why There Is No Coverage: If the general contractor’s liability policy excludes labor law claims, the contractor will be responsible for paying the legal defense costs and the full amount of any judgment or settlement. Even if the contractor had taken every reasonable safety precaution, they would still be held liable under Labor Law 240. Without proper coverage, the contractor could be responsible for a significant financial loss.

Example 2: A Worker Is Injured by Falling Debris

Scenario: A worker is standing at ground level when a heavy object falls from an upper level of the construction site, striking him and causing serious injuries.

Claim Type: The injured worker sues the project owner and general contractor under Labor Law 241(6), which covers safety violations at construction sites, including injuries caused by falling debris.

Why There Is No Coverage: Labor Law 241(6) holds contractors accountable for failing to maintain a safe work environment. If the contractor’s general liability policy excludes labor law claims, they would have no financial protection for legal fees or settlements. This leaves the contractor personally liable for the costs associated with the claim, which could quickly escalate to hundreds of thousands or millions of dollars.

Example 3: A Ladder Accident Results in a Serious Injury

Scenario: A subcontractor’s employee is using a ladder to install wiring at a construction site. The ladder malfunctions, causing the worker to fall and suffer multiple fractures.

Claim Type: The worker files a Labor Law 240 claim against the general contractor, holding them responsible for the faulty ladder and the resulting injury, even though the ladder was provided by the subcontractor.

Why There Is No Coverage: Even though the general contractor may not have been directly responsible for the ladder’s malfunction, under Labor Law 240, they are held strictly liable. If labor law claims are excluded from their general liability policy, the contractor would be fully responsible for the cost of the lawsuit and any damages awarded, which could bankrupt smaller firms or severely impact the financial health of larger ones.

Why Labor Law Coverage Is Essential for New York Contractors

As these examples show, New York’s Labor Laws can expose contractors to significant financial risk. Even if your company follows all safety protocols and regulations, you can still be held liable for worker injuries under Labor Law 240 and 241. Without labor law coverage as part of your general liability insurance, a single claim could cause severe financial strain, damage your business’s reputation, and in some cases, lead to the shutdown of your operations.

How BGES Group Can Help

Navigating the complexities of New York labor law and securing comprehensive liability insurance coverage can be challenging. That’s why partnering with a construction insurance expert like BGES Group is crucial. At BGES Group, we specialize in helping New York contractors find the best liability insurance coverage at competitive rates, ensuring that labor law claims are included and your business is protected.

Our team has deep expertise in the insurance needs of construction professionals, and we work closely with you to tailor a policy that fits your business. Don’t leave your business exposed to the risks of labor law claims—let BGES Group provide the coverage and peace of mind you need.

Contact BGES Group Today

If you need help securing comprehensive general liability insurance, including coverage for New York Labor Law claims, reach out to BGES Group today. As one of New York’s leading construction insurance specialists, we are here to assist you with all your insurance needs.

Contact Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Protect your business with the right coverage—contact BGES Group today to learn how we can help you secure the insurance you need.

Builders risk insurance is an essential policy for New York contractors, as it provides coverage for projects under construction, protecting against losses due to property damage, theft, and other unforeseen events. However, not all builders risk policies are created equal. To make sure you are properly covered, here are 10 key factors to consider when purchasing builders risk insurance:

1. Scope of Coverage

When buying builders risk insurance, the first thing to examine is the scope of coverage. A good policy will cover damage caused by fire, vandalism, theft, and natural disasters such as windstorms or hail. However, some policies may exclude certain perils, such as earthquakes or floods, which may require additional endorsements. Always check what is included and excluded from your policy to ensure comprehensive protection.

2. Project-Specific Coverage

Builders risk insurance should be tailored to the specific needs of each project. For example, the coverage for a residential home build may differ from a commercial high-rise project. Make sure the policy aligns with the specific risks and requirements of your project, including the project’s value, size, and location.

3. Coverage for Materials and Equipment

It’s crucial that your builders risk policy covers materials, supplies, and equipment, both on-site and in transit. Since construction projects often require materials to be delivered before they are installed, you need to ensure that those items are protected while in storage or during transport to the job site.

4. Soft Costs Coverage

Soft costs refer to expenses that aren’t directly related to labor or materials, such as architectural fees, permit costs, and loan interest. If a delay occurs due to a covered event, you could face additional soft costs that can add up quickly. Make sure your builders risk insurance includes coverage for these types of expenses to protect your bottom line.

5. Coverage Duration

Builders risk policies are generally written for the duration of the project. However, if there are delays or project extensions, you’ll need to make sure your policy can be extended as well. Check with your insurance provider to understand the terms for extending coverage if the project takes longer than expected.

6. Valuation Clause

The valuation clause determines how losses are calculated. In some cases, the insurer may use replacement cost, while in others, they may use actual cash value, which accounts for depreciation. Make sure you understand the valuation method in your policy and how claims will be paid out in the event of a loss.

7. Named Insureds and Additional Insureds

Make sure that all relevant parties involved in the project are covered under the builders risk policy. This often includes the property owner, general contractor, subcontractors, and sometimes even lenders. If required, ensure that the policy allows for additional insureds to be added.

8. Exclusions and Deductibles

Every builders risk policy comes with exclusions and deductibles. It’s essential to understand what is excluded from the policy—common exclusions include damage caused by wear and tear, faulty design, or poor workmanship. Additionally, be clear about the deductible amounts for different types of claims, as this will affect how much you pay out-of-pocket in the event of a loss.

9. Legal Requirements

In New York, certain legal requirements may dictate the type and amount of builders risk insurance you need, depending on the scope and location of your project. For example, local building codes or lender requirements may impose specific insurance obligations. Work with an insurance expert to ensure you meet all legal and regulatory requirements.

10. Claims Process

Understanding the claims process is crucial for contractors. Some insurers have a straightforward claims process, while others may have more complex procedures. Before purchasing a policy, ask about how claims are handled, the timeframe for processing claims, and any specific documentation that will be required in the event of a loss.

BGES Group: Your New York Construction Insurance Experts

Navigating the complexities of builders risk insurance can be overwhelming for contractors, especially when balancing project demands. That’s where BGES Group comes in. With years of experience specializing in New York construction insurance, we know how to tailor policies that fit your specific needs, ensuring you have the right coverage for your projects.

If you need help selecting builders risk insurance or any other construction-related coverage, contact Gary Wallach at BGES Group. We’re here to provide expert advice and personalized service to protect your business.

Reach out to Gary Wallach at 914-806-5853 or via email at bgesgroup@gmail.com for assistance today!

As a business owner, it’s essential to manage risks and protect your company from potential liabilities. When employees use their personal vehicles for work, one crucial way to protect your business is through Employers Auto Non-Ownership Liability coverage. This type of insurance provides your business with liability coverage in case an employee is involved in an accident while driving their personal vehicle for business purposes. Without this coverage, your company could be exposed to significant financial risk if a lawsuit arises from an employee’s accident.

This article will break down Employers Auto Non-Ownership Liability coverage, provide an example illustrating its practical application, and explore the considerations you should have as a business owner to ensure your company is adequately protected.

What Is Employers Auto Non-Ownership Liability Coverage?

Employers Auto Non-Ownership Liability (also known as Non-Owned Auto Liability) provides liability protection for your business when an employee uses their own vehicle for work-related tasks. It is important to note that this coverage is designed only for liability, meaning it does not cover physical damage to the employee’s car or injuries to the employee. Instead, it protects the business from third-party claims or lawsuits for damages or injuries resulting from the employee’s accident.

Common scenarios where Employers Auto Non-Ownership Liability would be helpful include:

• Employees making deliveries

• Transporting clients or colleagues

• Running errands for the business

In these cases, if an employee causes an accident, the business could be sued by the injured parties, and Employers Auto Non-Ownership Liability helps cover the associated costs.

Why Employers Auto Non-Ownership Liability Coverage Is Essential

While many employers assume that an employee’s personal auto insurance will cover them, this is not always the case. If an employee is driving their own vehicle for work purposes and is involved in an accident, their personal insurance may limit or deny coverage, especially if they were engaging in activities considered commercial use. This can leave both the employee and the business vulnerable to lawsuits. Non-Ownership Liability coverage serves as a crucial backup to ensure that your business is shielded from potentially high-cost claims.

Practical Application: A Dog Service Business

Let’s say you own a dog service business where employees occasionally drive to pick up dogs from clients’ homes or transport them to and from pet-related events. One of your employees, however, has 13 points on their driving record, making it difficult for you to insure them under your business auto policy. You check with an insurer and find that adding them to your policy would cost an additional $30,000 through Progressive—a cost that’s simply not feasible for your business.

So, you consider allowing the employee to use their own vehicle while still ensuring your business is adequately protected in case of an accident.

Can You Have the Employee Drive Their Own Vehicle?

Yes, you can have the employee drive their own vehicle for work-related purposes, but there are specific steps you should take to protect your business. In this scenario:

1. Verify Your Employee’s Personal Auto Coverage: First, confirm that your employee has an active personal auto policy that includes liability coverage. This is essential because, in most cases, the employee’s personal insurance will be the first line of defense.

2. Add Employers Auto Non-Ownership Liability Coverage to Your Policy: Since your business still faces risk if the employee’s personal coverage is inadequate or denied, you should purchase Employers Auto Non-Ownership Liability coverage. This coverage will protect your business from third-party claims in case of an accident, even though the vehicle is not owned by your company.

By following these steps, you’re ensuring that your company has protection both from the employee’s personal auto policy and from your Employers Auto Non-Ownership Liability coverage.

What Limits Should the Employee Have on Their Personal Auto Policy?

To further protect your business, it’s essential to require that your employees have sufficient liability limits on their personal auto policies. Typically, it is recommended that employees carry at least:

• $100,000 in Bodily Injury Liability per Person

• $300,000 in Bodily Injury Liability per Accident

• $100,000 in Property Damage Liability

These limits provide a good baseline of coverage that can mitigate potential expenses in case of an accident. If the employee’s personal limits are lower than this, you may want to encourage them to increase their coverage or, depending on the risk, reconsider allowing them to drive for business purposes.

Example Scenario: How Employers Auto Non-Ownership Coverage Works

Imagine that your employee, driving their personal car to pick up a client’s dog, gets into an accident and is found at fault. The injured party sues both the employee and your company for damages. In this case:

• The Employee’s Personal Insurance: First, the employee’s personal auto insurance will be used to cover the claim, up to the policy limits.

• Employers Auto Non-Ownership Liability Coverage: If the claim exceeds the employee’s policy limits or if the employee’s insurer denies the claim, then your Non-Ownership Liability coverage will step in to protect your business. This policy will cover your business’s legal defense and any settlements or judgments that may arise from the lawsuit, up to your policy limits.

In this scenario, both the employee’s personal insurance and your Employers Auto Non-Ownership Liability coverage work together to shield your business from significant liability.

Why Employers Auto Non-Ownership Liability Coverage Is Important

Having this coverage can be critical for several reasons:

1. Financial Protection for the Business: Legal expenses, settlements, and judgments can be financially devastating. This coverage provides the protection your business needs against unexpected lawsuits.

2. Flexibility in Operations: Employers Auto Non-Ownership Liability coverage enables you to allow employees to use their own vehicles without excessive financial worry.

3. Peace of Mind: Knowing that your business is safeguarded against these types of risks can help you focus on other priorities.

Ensuring Your Business Is Fully Protected

When employees drive their own vehicles for work, it’s vital to consider all aspects of coverage. Ensure that you have the appropriate Non-Ownership Liability coverage in place and verify your employees’ personal liability limits. Doing so allows you to mitigate risks effectively and avoid potential legal and financial issues.

Employers Auto Non-Ownership Liability is not just for large businesses; any company with employees using personal vehicles for business purposes can benefit from this additional layer of security. Whether you run a dog service, a delivery company, or any other type of business requiring employee transport, this coverage is essential for safeguarding your organization’s financial health.

Let BGES Group Help with Your Insurance Needs

For expert guidance on Employers Auto Non-Ownership Liability or any other specialized insurance needs, turn to BGES Group. As specialists in construction insurance and business liability, BGES Group can help tailor coverage to fit your unique business requirements, ensuring you have comprehensive protection.

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

Workers’ compensation insurance is often misunderstood, especially by contractors. Misconceptions can lead to confusion and unnecessary costs. By debunking these myths, contractors can make informed decisions.

1. Workers Compensation Insurance Is Only for Large Companies

Contrary to popular belief, workers’ compensation insurance is critical even for small contractors. It provides essential coverage to protect both employers and employees. Small contractors, often working with minimal staff, face significant risks without coverage because a single injury can lead to substantial financial losses. Whether dealing with physical injuries, such as those from onsite accidents, or a related medical condition from prolonged exposure to hazards, workers’ compensation offers a necessary safety net to handle medical expenses and lost wages effectively.

Additionally, securing workers’ compensation insurance can align with state requirements, amplifying your business’s credibility, and helping win contracts. Understanding your requirements is paramount, especially if you’re looking to operate or bid for jobs in different regions where the legal landscapes might differ. Thus, regardless of the size of your operation, this insurance serves as a foundational safeguard.

2. Subcontractors Do Not Need Coverage

Some believe subcontractors are exempt, but they often require coverage or proof of exemption, depending on jurisdictions. Specific state regulations may dictate this necessity, where failure to comply can result in hefty fines or legal disputes. It’s crucial for a contractor to know not just the rules in their primary operating region but also any other jurisdictions where they may undertake projects. The fact is, subcontractors are an integral part of many projects, and not covering them might expose your business to unanticipated liabilities and financial risks. Consider checking each associated jurisdiction’s mandates as part of your project planning to ensure comprehensive coverage.

It’s worth mentioning that incorporating this coverage into contracts with subcontractors can protect not just the primary contractor but also the client, ensuring all parties are adequately insured against unforeseen incidents. Establishing clear communication and understanding about coverage requirements is essential. Consider these strategies to streamline the contract negotiations, aiming for clarity and security between all project stakeholders.

3. Coverage Is Unnecessary If Safety Measures Are in Place

While safety protocols reduce risks, accidents can still happen. Workers’ comp insurance provides a safety net. Implementing rigorous safety measures and protocols is undeniably valuable and often required by law as well. Nevertheless, unforeseen accidents, whether due to human error or random misfortune, are a reality in the construction world. Having a robust workers’ compensation plan bridges this gap between ideal safety outcomes and real-world occurrences, ensuring that any incidents are managed swiftly and efficiently without disarraying the business.

Moreover, safety measures, while essential, primarily serve as a form of prevention rather than protection against the financial ramifications of injuries. In the absence of workers’ compensation, the burden of medical expenses and potential legal ramifications falls solely on the business. Thus, accidents, being unpredictable, still require a backup plan which this insurance offers. Such financial foresight could prevent far-reaching consequences for your business, ensuring stability even when faced with unfortunate events.

4. General Liability Insurance Is Sufficient

General liability insurance differs from workers’ compensation. The latter covers workplace injuries, while the former does not. Many contractors mistakenly assume that general liability insurance will comprehensively cover all aspects of their business needs. However, this insurance primarily addresses bodily injury and property damage third parties sustain because of your business activities, such as a client slipping on a worksite or damage to a customer’s property.

In contrast, workers’ compensation specifically addresses injuries your employees could experience while performing their job duties. This crucial distinction highlights why workers’ compensation cannot be skipped in favor of general liability, despite surface-level similarities. Every contracting business needs to maintain both types, focusing on each policy’s respective protection areas.

5. State Laws Do Not Require It

Most states mandate workers’ compensation insurance for contractors, safeguarding both parties involved. Compliance with state laws is a vital obligation for contractors wanting to maintain their licenses and continue operating without interruptions. Across the United States, regulations may vary, but the overwhelming majority of states do require contractors to hold a valid workers’ compensation policy. This mandate is designed to protect employees by providing access to medical care and income replacement if they’re injured on the job.

Ensuring your business adheres not just to your home state’s laws but also to requirements in any other states you may work is crucial for maintaining your operational integrity and avoiding potentially costly legal complications. Consider frequently checking for any updates to these laws, ensuring you’re always compliant and retaining your right to work across various state lines, particularly when operating in regions where the legal requirements frequently shift.

6. Workers Compensation Covers All Types of Injuries

There are specifications and limitations within the policy that may not cover every injury, depending on circumstances. Workers’ compensation insurance certainly provides broad coverage, but it is not all-encompassing. Injuries resulting from intentional actions, those occurring outside of work, or due to employee intoxication are typically not covered under typical workers’ comp policies.

Understanding your policy’s exclusions can prevent unpleasant surprises when claims are necessary. It’s essential to communicate clearly with your insurance provider and request clarity on obscure terms within the policy documentation, ensuring you fully comprehend the breadth and limitations of the coverage you possess. By acknowledging these limitations, you not only safeguard your business operations but also inform and educate employees appropriately regarding their compensation entitlements and processes, avoiding disputes and mishandled claims.

7. It’s More Costly Than Beneficial

Ignoring insurance can result in more significant expenses through fines, lawsuits, and medical bills. The upfront cost of workers’ compensation insurance might seem daunting at first, especially for small businesses operating on tight budgets. However, in the unfortunate event of an employee accident, the absence of workers’ compensation insurance can lead to overwhelming financial burdens stemming from medical costs, lost wages, and potential litigation.

Additionally, fines and damages arising from non-compliance with state mandates could severely impact a business’s financial stability. Thus, while premiums are a consistent expense, they often pale compared to the potential cost of operating without this crucial insurance. Exploring affordable options with different insurers can provide the necessary protection without straining your financial resources, emphasizing the importance of comprehensive coverage tailored to your unique business requirements.

8. Premium Rates Are Fixed

Premiums can be influenced by many factors, including your claims history and company safety records. Workers’ comp premiums are not static; they fluctuate depending on various determinants specific to each business. Your claim history is particularly influential, as frequent claims might suggest to insurers that your work environment poses higher risks, warranting elevated premium rates.

Investing in a safer work environment actively reduces claim frequency and can result in improved premium rates over time. This benefit highlights why adopting proactive safety measures and programs within your business isn’t only beneficial for employee wellness but also economically advantageous in lowering insurance costs. Furthermore, maintaining good safety practices position your business advantagely when negotiating insurance premiums, reflecting your commitment to minimizing risks at your workplace.

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