It’s always an unwelcome surprise when an employer finds out that a workplace incident aggravated a pre-existing injury that one of your workers sustained at a prior job.

Fortunately, there are steps you can take if you don’t want to inherit a claim that someone incurred at another employer, or an injury that they may risk aggravating while working for you.

Here are five ways to reduce the chances of incurring such claims to begin with:

Pre-work screenings

Pre-work screenings can weed out applicants who physically cannot perform a job. You can subject them to a test to gauge their ability to perform specific physical demands of the job for which they are applying.

Screenings should especially be used for high-risk jobs, those which cost your business the most in workers’ comp costs. There are two types of pre-employment screenings:

• Pre-offer.  This screening identifies applicants who are physically able to safely complete the essential job functions of the position for which they are applying.
• Post-offer.  This screening measures the same functions, but you can also require a medical examination at this stage. This can help you identify any disability, including if they are under orders from a doctor to limit certain types of physical activity.

Drug tests/background checks

Drug tests can determine if there is a history of drug use, and, if so, indicate the types of drugs in the system.

Background checks probe the criminal and financial records of an applicant.

If an applicant shows negative incidents on a drug or background check, he or she could be a candidate for future fraudulent activity.

On-site ergonomic solutions

Utilize physical therapists or ergonomists before injuries occur to work with employees, supervisors and management to understand workflow and all job task requirements.

Those specialists can recommend optimum positions, ergonomic strategies and proper physical movements required at workstations to reduce the chances of employees sustaining musculoskeletal injuries.

Employee education

Educate employees on how to use workers’ comp legitimately and how it can be used illegitimately.

Explain the damage to the employer from malingering and fraud by illustrating how claims affect the premium employers pay.

Information also should be shared about penalties and fines that could be incurred with fraudulent claims.

Educating employees regularly can reduce the chances of fraud.

Prompt injury reporting 

Train employees to report any health concerns as soon as they notice any discomfort.

Injuries can develop over time in many jobs when they are executed using improper or ergonomically incorrect motions.

If an employee raises concerns about discomfort to a supervisor, it should be given serious attention.

That way the supervisor, the worker and inside or outside specialists can address the issue.

This can be done through observations and evaluations of the work pattern of the worker, and in comparison to those of others in the department.

The worker should also be sent for medical diagnosis or medical care to treat the discomfort before it becomes a bigger problem.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

New York City Contractor Reduces Their Liability Premium From $393,000 To $197,500!  This Article Explains How To Get Relief!

Are you a New York City contractor paying $100,000, $200,000, $300,000+ for general and umbrella liability insurance?   Is your Worker’s Compensation costing you an arm and a leg?

Sick of paying what you’re paying?  Ready to do something about it?

Have your general and umbrella liability through a “Surplus Lines Carrier (SLC)?”  Most New York City contractors do, pay VERY high rates and have lots of exclusions, restrictions and warranties all designed to pigeon hole coverage.   End up operating outside the scope of work described to your carrier and you can be out of luck getting the next claim paid.

Do you use subcontractors?  Most insurance carriers have very strict requirements when it comes to subs.  Some companies limit the amount of work you can sub out.  Some have “Hammer Clauses” in their policies.  If you’re not careful who you use you can be out of luck getting a claim covered.

You would think paying hundreds of thousands to your insurance company would get you “Cadillac Coverage” right?  Unfortunately for many, that’s not the case.  Policies are riddled with exclusions like employee injury, labor law, height, subcontractor warranties, exterior work, construction limitation endorsement, the list goes on and on.

Here’s a secret most insurance brokers don’t want you to know.  Most don’t know what they are doing when it comes to insuring contractors.  Most can get you a policy but they don’t understand the legal ramifications of each form, endorsement, warranty and exclusion.  They may be nice, you may like them, but have a claim and be told it’s not covered.  I think liking them will no longer matter.

How would you like to work with one of New York’s leading “CONSTRUCTION INSURANCE SPECIALIST AGENCY POWERHOUSES?”  Whose group does over $1 billion in premium?  Who can take your account and marketed it to “THE BEST CONSTRUCTION INSURANCE PROGRAMS AVAILABLE FOR NEW YORK CONTRACTORS?”

How many of you would like to get away from restrictive “Surplus Lines Carrier” liability policies and have your insurance thru a “Main Street” carrier who offers MUCH better coverage at substantially lower rates?

At BGES Group, for 40 years we’ve specialized at insuring contractors.  Due to our expertise, reputation and agency volume we can get YOU better coverage and lower rates.

Like the example above, we reduced a Queen’s contractor’s liability premium from $393,000 to $197,000.  Let us do the same for you!

One of the great things about working with us is when you call or email you’ll always get us.   You can contact us anytime, get us on the phone in seconds and whatever your issue we will handle it.

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

A Little Bit More About Our Agency:

We are construction insurance specialists

Insuring contractors since 1981

Our group does $1 billion + in business.

One of our specialties is Worker’s Compensation. We can help you deal with some real thorny issues

We have “Main Street” GL programs for New York City contractors (we cover NY, NJ, CT) that just a handful of agencies have

We have purchasing leverage and can get you excellent rates

On any given day we have a great pulse on the market place. If there is a new program out there that you can benefit from we will find it

We have a program to screen all your subcontractor’s insurance policies so you don’t have to do it

We offer Property, General Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Workers’ Compensation, N.Y.S. Disability, Group Health and Personal Lines (Homeowners, Personal Auto, Personal Umbrella, Boat, Jewelry, Fine Arts) insurance policies

Here’s what four clients say about us (we have over 40 testimonials):

I highly recommend BGES Group if you are in need of help figuring out your workers compensation or disability rights. When you are completely lost and confused and full of complicated questions, like myself, call BGES and speak to Gary. His patience and kind demeanor made me feel comfortable and confident that he is extremely knowledgeable and genuinely wants to help you. Their customer service is excellent, I received an immediate call back and Gary remained on the phone with me answering every question honestly and remained patient through our lengthy conversation which concluded in a very favorable outcome for my family and I. Thank you so much Gary, your kindness is much appreciated. Michael

Absolutely the best agent my business has dealt with ever!!! Gary is the ultimate professional. He is both prompt and efficient with his services and is able to find the best pricing as well. I highly recommend his services! Eric

Gary is a non stop guy. He got me my insurance for a better price with the same coverage! Thanks Gary. Doug

I received almost instantaneous response on all my requests. And they certainly do a great job in obtaining the best insurance provider for my business. Very happy with their service.  Mario

Need Help With Your Worker’s Compensation Coverage?  We Can Work Miracles.  See What We Did for These Four Contractors:

We helped a Long Island Tree Contractor with over $1.2 million in claims get coverage for half what he was paying. His carrier was charging him $200,000.

We helped a Queens Demolition contractor whose company non renewed him due to $650,000+ in claims replace coverage with a carrier whose rates were lower than what he previously paid.

We helped a Brooklyn General Contractor who was being non-renewed by his carrier with over $1 million in losses replace coverage with slightly lower rates.

We helped another Brooklyn General Contractor who had $1 million in claims, most scam claims, replace coverage at comparable pricing.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

In the past few years have you’ve been hit by phony workers compensation claims, by a few rotten apple employees, for hundreds of thousands of dollars?

Have these claims caused your insurance company to drop coverage or drastically increase rates?

Do you have a debit “Experience Modification Factor (EMR)” of 1.25, 1.50, 1.75 or higher causing skyrocketing premiums and loss of work?

There are employees who habitually put in claims. Some do it every few years. Some do it within days of employment. Almost all receive help from an attorney. Together they can destroy a company’s loss experience.

Then there are people not even your employees that go directly to your state’s Workers Comp Board to file claims. One day when you open your mail you learn you have a new claim that wasn’t reported which puts you in an uncomfortable and disadvantaged position with your insurance company.

Here’s what happened to one employer. He’s a New York City General Contractor. One of his employees was installing flooring and while carrying flooring slats pinched his finger. Employee filed claim, insurance company paid for his medical bills and a few weeks lost wages. When payment was about to stop he started complaining his shoulder hurt. The carrier then had to increase their reserve to over six figures.

For same employer, he hired a person that had a soccer injury five years previous to employment. Within weeks of starting work, person put in claim for a knee injury.  No one saw him get hurt. Actually he told several co-workers what he was doing. They told the boss. The carrier still had to set up a reserve for $310,000.

Between two claims, amounting to over $400,000, his carrier non-renewed coverage. Please note prior to claims he never had a loss. He also had the same carrier for 5 years.

What can you do if you have a run of bad luck or a few rotten apples destroying your loss experience? We have a GREAT SOLUTION but before we tell you, read about these 4 cases.

Examples:

1. We helped a Long Island Tree Contractor with over $1.2 million in claims get coverage for half what he was paying. His carrier was charging him $200,000.
2. We helped a Queens Demolition contractor whose company non renewed him due to $650,000+ in claims replace coverage with a carrier whose rates were lower than what he previously paid.
3. We helped a Brooklyn General Contractor who was being non-renewed by his carrier with over $1 million in losses replace coverage with slightly lower rates.
4. We helped another Brooklyn General Contractor who had $1 million in claims, most scam claims, replace coverage at comparable pricing.

When an employer has a run of bad luck their only alternative is to get coverage through a state or assigned risk plan. When they do they usually pay through the nose. Being in contact we hear how they STRUGGLE. Customer’s owing them money doesn’t help.

ARTICLE BREAK:

HOW WOULD YOU LIKE TO GET MONEY BACK ON YOUR PAST SEVEN (7) YEAR WORKER’S COMPENSATION POLICY’S? 

There are mistakes insurance companies make when calculating premiums.  There are credit’s employers are entitled to that may not have been applied. Experience  Modification Factors have mistakes.  Audits have mistakes.  Working on a Contingency basis, we review your policies and if there’s mistakes get you money back.  You sign three documents, we do all the work.  This is a complete WIN situation for YOU!  Interested call Gary Wallach at 914-806-5853

ARTICLE CONTINUED:

Let BGES GROUP (that’s us) who specialize at Worker’s Compensation do for YOU what we’ve done for these 4 business owners. This is our specialty. We’ve been at it for 39 years.  If you’re in trouble let us get you out of it.

Here’s What Some Say About Us On “Google Review.”

I highly recommend BGES Group if you are in need of help figuring out your workers compensation or disability rights. When you are completely lost and confused and full of complicated questions, like myself, call BGES and speak to Gary. His patience and kind demeanor made me feel comfortable and confident that he is extremely knowledgeable and genuinely wants to help you. Their customer service is excellent, I received an immediate call back and Gary remained on the phone with me answering every question honestly and remained patient through our lengthy conversation which concluded in a very favorable outcome for my family and I. Thank you so much Gary, your kindness is much appreciated. Michael

Absolutely the best agent my business has dealt with ever!!! Gary is the ultimate professional. He is both prompt and efficient with his services and is able to find the best pricing as well. I highly recommend his services! Eric

Gary is a non stop guy. He got me my insurance for a better price with the same coverage! Thanks Gary. Doug

I received almost instantaneous response on all my requests. And they certainly do a great job in obtaining the best insurance provider for my business. Very happy with their service. Mario

For help call Gary Wallach, Monday through Sunday, 9am to 9pm, at 914-806-5853. Email us at bgesgroup@gmail.com.

About Our Agency:

• We are construction insurance specialists.
• Been insuring contractors since 1981.
• Our group does $200+ million in business.
• One of our specialties is Worker’s Compensation. We can help you deal with some real thorny issues.
• We have “Main Street” GL programs for New York City contractors (we cover NY, NJ, CT) that just a handful of agencies have.
• We have purchasing leverage and can get you excellent rates.
• On any given day we have a great pulse on the market place. If there is a new program out there that you can benefit from we will find it.
• We have a program to screen all your subcontractor’s insurance policies so you don’t have to do it.
• We offer Property, General Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Workers’ Compensation, N.Y.S. Disability, Group Health and Personal Lines (Homeowners, Personal Auto, Personal Umbrella, Boat, Jewelry, Fine Arts) insurance policies.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;  9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

If you are a tri-state contractor who operates within New York City’s 5 boroughs most likely you’re paying EXORBITANT PREMIUMS for your liability policies (General and Umbrella Liability).

Making matters worse, here we are in 2021, in the middle of a pandemic and insurance companies are increasing renewal rates yet again 10% or more!

This is beyond crazy!  Most contractors feel they work for their insurance companies. Quite a few if their policies included “Labor Law” closed shop.

Did you know 95%+ of the insurance brokers are incompetent when it comes to insuring contractors?  They know more than you but “THEY ARE HAZARDOUS TO YOUR WEALTH!”  That’s because they don’t understand the contractual nuances of the policies they sell you.

Most contractors that operate within the 5 boroughs are insured through “Surplus Lines Carriers.”  Most “SLC” policies have exclusions, restrictions and limitations that are designed to pigeon hole coverage.

For example, “Blanket Additional Insured.”  One form covers all additional insured’s you by contract agree to cover.  Another form covers additional insured’s you ONLY have a signed, written and executed agreement with.  Know the difference?  There’s a big one.

Example: You’re a plumber who signs a contract with a GC.  In the agreement the GC requires you to cover 20 additional insured’s in addition to the GC.  Under the first form everyone would be covered.  Under the second only the GC is covered leaving the other 20 uncovered and YOU with a serious uncovered contractually legal obligation.  You find out the issue at time of claim when your insurance company sends you a denial letter.

How would you like to lower your 2021 rates and get better coverage, less exclusions and less restrictions?  How would you like to have your account marketed to “THE BEST PROGRAMS FOR TRI-STATE CONTRACTORS?”  Know 95%+ of agencies don’t have access to these programs.  WE DO!

Another very important issue is screening subcontractor’s policies.  Would you like someone else to do it for you?  We have a whole department set up for this. Why this is so important is because in your policies there’s very strict wording regarding subcontractors insurance.  Failure to comply can and most likely DOES leave you without coverage.

BGES Group are “Tri-State Construction Insurance Experts.”  This is our specialty and we’ve been insuring contractors for 39 years.  We are “Preferred Agents” for MANY “Main Street Programs” which means we could end up cutting your costs by up to 50% while getting you better coverage.  (We did so for a Queens Contractor.  He was paying $393,000.  We reduced his premiums to $197,000).  We also represent the “Top Programs for contractors” and 50+ “Surplus Line Carriers” too.

You know what Costco and IBM have in common with BGES Group? One has incredible buying power.  The other has very smart people working for them.  That’s what you get working with BGES Group.  Note our group does billions in premium with insurance companies yet you deal with one person who you’ll ALWAYS be able to reach day or evening Monday thru Sunday guaranteed!

BGES Group also offers property, inland marine, bid and performance bonds, auto, workers compensation, N.Y.S. disability, group health and personal lines insurance.

Want better rates, better coverage, better service, call Gary Wallach TODAY by dialing 914-806-5853 or emailing bgesgroup@gmail.com.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

The Untold Truths about Having Your Worker’s Compensation Policy Directly With an Insurance Company, Payroll Company or an Insurance Agency That Services Hundreds, Thousands of Accounts!

—

DANGER!  Working With These Companies Can Be Hazardous To Your Wealth!

—

Some Questions:

1. Who is watching my rates? Do you think an insurance company wants to lower or raise your rates after the first year of being with them?

2. Am I getting all the credits I’m entitled to? If you’re dealing directly with an insurance company, we doubt it.  It’s our opinion they lure you in the first year with price then each year raise them.  We have never seen an insurance company, on renewal call up a policy holder to discuss all the credits they are entitled to.

3. Do I have the right coverage? In a state or assigned risk plan?  You may not.  If you have employees who work out of state you may have a financially crippling uncovered exposure.

4. Am I being charged correctly at audit time? We know plenty of companies whose auditors are in and out.  They give the policyholder no information about payroll or classification rules. They have their marching orders and we’ve seen many business owners pay thousands, tens of thousands more at audit.

5. Who is servicing my account? When you call is the person you speak to a customer service representative (CSR) or experienced professional?  Let’s face it.  Most CSR’s are nice, pleasant but robot, paper pushers. They have such a volume of work they don’t have time to think let alone give your account the attention it deserves. They have a low level of insurance knowledge and most appear to be part timers or licensed insurance brokers with years of experience.

6. In a program where a “Program Manager” charges you a 10% service fee? Did you know the reason you have to pay them is not based on servicing but based on “They Control the Program and You aren’t Getting in Unless You Pay Their Membership Fee.”  One Program Manager wanted to charge our client $40,000, another client $30,000.  Ridiculous!  What have they done for you lately?  Do they ever call you?  Come see you?  Are they there for you when a problem arises (i.e. audit dispute)?

7. Is my payroll company transparent? Are you aware of all their fees?  Is your company’s compliance department making it tough to do business?  Are the people servicing your account knowledgeable, do they ask you questions about your operations so you are covered properly?  We find it hard to believe that payroll companies with hundreds, thousands of accounts can service them properly.

8. Does your insurance agency service hundreds of accounts? If so how in the world can they service anyone’s account properly?  Usually their CSR’s have so much work they are paper pushers, robots.  They process your policy (and make plenty of mistakes doing so), make no recommendations, do not understand the technicalities of most policies, do not remarket your account, you’ll never hear from them unless you call and charge policy and service fees that are arbitrarily made up.  Agencies have become factory like.  Increasing costs have caused them to cut staff and require inexperienced CSR’s to service way too many accounts.

What We Can Offer You: 

1. Having your account taken care of by our principal who is a Worker’s Compensation Specialist (one of his areas of specialty) and has 39 years experience.  When you call he will answer.  When you need anything it will be taken care of immediately.  This person knows the rules and regulations of the workers compensation system and will save you every dollar you are entitled to and make sure you are covered properly.

2. The ability to have your policy quoted by up to 15 companies.

3.  You’ll ALWAYS receive “Very Important Person (VIP)” service.  We operate like our father and grandfather did.  Very personnel,  make office visits, frugal with your money, sincerely and genuinely care about you as a client. You will not be billed for ridiculous policy fees, service fees.

4.  In a nutshell if you are sick of working with financial institutions that are greedy, whose service is poor, whose personnel have limited knowledge, are overworked and are robot, paper pushers and rather deal with a “Firm Principal” who has 37 years experience, a street fighter, frugal with your money, genuinely caring, who gets the job done contactà

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

As March, 2021 gets underway, now is a good time to review your home safety and insurance plans for the rest of the year.

Make sure this year that you make your home safety a priority, and also ensure that you get the most bang for the buck with your insurance coverage.

You can follow these tips:

Home security system

If you don’t have a home security system, you should seriously consider getting one to protect your hard-earned assets and home investment. The good news is that if you get one that is monitored by a central station, or that is tied directly to a local police station, you don’t only protect your home, as you may also receive a discount on your homeowner’s insurance premium.

Install additional smoke alarms

As with a home security system, you can also reduce your insurance premium by installing smoke alarms, not to mention saving your life in case of a fire. Installing them in older homes can shave 10% or more from your premiums.

Some insurance companies will also give further discounts if you install additional smoke detectors.

Raise your deductible

You can reduce your insurance premium by raising your deductible if you are confident you can absorb the cost of paying that out-of-pocket expense if you incur a claim.

Multiple policy discounts

Many insurance companies will extend a discount of 10% or more to policyholders that have multiple policies with the insurer (such as auto and homeowner’s). Ask us for a quote for other types of insurance from the company that writes your homeowner’s policy.

Plan wisely for expansion

If you plan to build an addition to the home or a structure adjacent to the home, like a gazebo, know that you’ll pay more for your insurance, depending on how it’s built. Wood-framed structures cost more to insure because they are flammable. If you go with cement or steel-framing, you’ll pay less since they are less susceptible to damage from fire and bad weather.

Costly fun 

Pools and trampolines can have a significant impact on your insurance costs and add 10% or more to your premium.

Consider coverage type

If you purchase “guaranteed replacement value” homeowner’s insurance, your insurance will cover the entire cost of rebuilding your home after a covered calamity. Coverage limits on such a policy increase as the cost of construction and materials rises.

Make or update a home inventory

A comprehensive home inventory catalogue allows your home and belongings to be recovered, rebuilt and replaced after a loss. While this won’t help you save on your premium, it will prepare you in case you have to file a claim. With a home inventory, you’ll know exactly what you have lost in a fire, for example.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

As more Americans work from home than ever before, many employers are wondering about their obligations under OSHA as well as how to reduce the chances that workers may be injured while telecommuting.

Obviously, the chances of an injury when working from home are small. The most common issue that is likely to arise is long-term injuries from poor workstation design, which can result in carpal tunnel syndrome and other stress and ergonomic injuries that develop over time.

For the most part, employers should approach workplace safety for telecommuting workers as they would safety for office workers, particularly workstation design and arrangement (ergonomics) as well as work scheduling and distribution.

Duties under OSHA

OSHA’s General Duty Clause applies to any place an employer has staff working, be that at the company’s facilities or worksites, at a customer’s worksite, or even if they work from home.

Under the clause, employers have a general duty to “furnish to each of his employee’s employment and a place of employment which are free from recognized hazards that are causing or are likely to cause death or serious physical harm to his employees.”

Fortunately, most workplace safety specialists say that employers have little responsibility in ensuring a safe workplace. In fact, OSHA has issued guidance stating that it:

• Won’t inspect employee’s home offices
• Won’t hold employers responsible for safety in home offices, and
• Does not expect employers to inspect home offices.

Workers’ comp still in play

While that is good news, employers are still responsible for any injuries an employee suffers while working from home under workers’ compensation laws.

For an injury to be considered work-related it must:

• Have happened while the employee is on the clock, and
• Occur while the worker is performing their work tasks.

With that in mind, employers do have an obligation to ensure that a home worksite is safe in order to prevent injuries, even if OSHA does not require it.

The international law firm of Foley & Lardner, LLP recommends that employers:

• Provide assistance and guidance to employees regarding the setup of the home worksite. Consider developing a YouTube video or written handout giving instructions pertaining to the setting up of equipment in an ergonomic fashion, electrical setup (i.e., only plug in two electrical devices in an outlet, etc.).
• Establish a hotline or other communication mechanism for remote employees to call if in need of assistance.
• Develop a checklist addressing safety and productivity issues and have employees complete the checklist every six months or so.
• Train employees on a recurring basis (such as annually) as to remote employees’ obligations to report alleged work injuries and/or illnesses, and how to report such injuries and/or illnesses.

Specific tips

• The desk, chair, keyboard, mouse, terminal, and other accessories should all be at the appropriate heights to reduce strain on the eyes, neck, and wrists:
  • The keyboard and mouse should be at the right height where wrists are in a neutral position.
  • The chair should be at the right height to ensure the employee can type without strain on the wrists and so that they are looking directly straight ahead at the terminal.
  • The terminal should be placed at eye level.
  • The desk should be at the right height to ensure all of the above. A kitchen table or counter would usually not be suitable.
• Ensure that the equipment is sturdy. For example, the desk should be appropriate height and sturdy enough to handle the weight of any peripheral equipment that your work may place on it (e.g., computers, printers, fax machines, scanners, etc.).
• Ensure that lighting is properly arranged: there should not be reflections on or glare from the computer monitor.
• Make sure extension cords and cables are in good condition and do not present a tripping hazard.

The takeaway

While you as an employer are not required under OSHA regulations to inspect your workers’ home’s for compliance, it is a good idea to give them guidelines for how to set up their home office and also work with them to supply any needed furniture or accessories they would need to safely carry out their work tasks.

You may also want to consider asking them to install a smoke alarm in their home and that they have a plan to evacuate in case of fire or other emergency. Also if they have a lot of electrical equipment, there should be sufficient ventilation.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

COVID-19 workers’ compensation claims have not been as widespread as insurers and ratings agencies around the country had predicted when the pandemic first started in early 2020.

Also, a large chunk of COVID-19 workers’ compensation claims filed by workers nationwide have been rejected, with insurers often citing lack of proof that the illness was contracted in the workplace.

The insurance industry was bracing for a deluge of workers’ comp claims when the seriousness of the pandemic became evident. This was especially true more as states passed laws requiring that essential workers be eligible for workers’ compensation benefits if they contracted the coronavirus. The laws introduced the presumption that if an essential worker came down with the disease, they had contracted it on the job.

Hundreds of thousands of COVID-19 claims were filed by workers around the country last year, but insurers were never overwhelmed. That’s because the number of other, more typical workers’ compensation claims tumbled dramatically as more employees were asked to work from home, while others were laid off in droves as plants shut down or business slowed.

With fewer people working on-site, the number of other workplace injuries and illnesses dwindled, experts say.

In the nine months ended Sept. 30, workers’ compensation payments and liabilities fell 7.6% from the same period of 2019, according to the National Council on Compensation Insurance (NCCI), which is the rate-making agency in more than 30 states.

Rejected claims

As mentioned, a significant percentage of COVID-19 workers’ compensation claims have been rejected. For example:

• In California, which has a law that extends the presumption that a case was contracted at work for anybody working on-site, 26% of the 93,470 COVID-19 claims filed in 2020 were denied.
• In Texas, which has no presumption for COVID-19, 45% of the 32,000 related workers’ comp claims were denied, despite those workers testing positive.
• In Florida, which has given front-line workers who are state employees a presumption of eligibility, 22% of state employees’ coronavirus-related workers’ comp claims were denied last year, compared to 56% of cases for workers in the private sector. The NCCI also noted that fewer than 2% of COVID-19 workers’ compensation claims cost more than $10,000.

Payouts lower than expected

Another factor is that even COVID-19 claims that were accepted, often did not end up costing the insurers as much as they expected to pay out because the majority of sick workers did not require any hospital stays or treatment. The percentage of workers requiring treatment was smaller than expected.

Insurers also say that many claims were likely never reported in the first place, particularly when workers had mild or no symptoms.

That’s backed by the NCCI, which recently issued a report showing that:

• 20% of COVID‐19 medical claims had an inpatient stay.
• Of those claimants with an inpatient stay, 19% were in an ICU for some portion of their time in hospital.
• The average length of inpatient stays for COVID‐19 medical claims was 7.5 days.
• The average cost per day was $5,400, totaling on average $38,500 per inpatient stay.
• COVID‐19 medical claims requiring an ICU visit tended to incur longer and more expensive inpatient stays, at 11.5 days and $67,300 per inpatient stay, respectively.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

Everybody wants to save money on their insurance premiums. If you own a home, you actually have a number of options for getting discounts on your homeowner’s coverage.

There are some obvious ways, like installing fire-resistant siding and smoke detectors in the home. You can also get discounts if you purchase your car insurance from the same company that insures your home.

But there are many other credits available to reduce the costs of homeowner’s insurance that you may not be aware of. Here are seven ways that many homeowners don’t know about:

1. Gated community credit – If you own a home within a gated community, you may be able to save 5% to 20% off your premium, according to Bankrate.com. The discount falls under loss mitigation, as the extra security of such a location makes your property a less attractive burglary target.
2. New wiring credit – According to the National Fire Protection Association (NFPA), U.S. fire departments respond to an average of 44,880 home structure fires involving electrical failure or malfunction annually. These fires result in 440 civilian deaths, 1,250 civilian injuries and $1.3 billion in direct property damage. If you own an older home, you may qualify for a 10% credit on your insurance premium if you replace the wiring.
3. Impact-resistant roofing credit – Roofs are damaged from rain, hail and wind, which can lead to significant home insurance claims. As a result, many insurers offer homeowners a 5% to 10% discount on premiums if they upgrade to an impact-resistant roofing material.
4. Claims-free credit – If you haven’t filed a homeowner’s claim in the last 10 years, the insurer may be willing to knock as much as 20% off the annual cost of your coverage, according to Bankrate.com. If you’ve been with the same company for years but have had a claim or two in the past, you may still qualify for a long-term customer discount.
5. New home/home renovation credit – Buy a new home and the insurer may reward you with a discount on your premium. You may be able to get the same discount if you renovate an older property. However, check with us for suggestions on maximizing credits before you begin.
6. Non-smoker credit – In 2011, an estimated 17,600 smoking-material home structure fires caused 490 civilian deaths (19% of all home structure fire deaths), 1,370 civilian injuries and $516 million in direct property damage, according to the NFPA. While insurers generally raise their rates if there is a smoker in the household, many will also give you a 5% to 15% discount if you don’t have one.
7. Retiree credit – Retired homeowners tend to spend more time at home, and this means they are more likely to be able to prevent an emergency such as a gas leak or broken pipe from going from bad to worse. If your household includes an adult who is 55 years or older and retired, you may qualify for a discount of 10% to 25%, according to <i>Bankrate.com</i>.

Homeowner’s insurance costs vary based on many factors, including your location and the coverage you select. Contact us today to review your policy and learn if you qualify for any of these cost-reducing credits.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group