As the COVID-19 pandemic rages on and more employers bring staff back to the workplace, many businesses are considering implementing mandatory vaccination policies for seasonal flus as well as the coronavirus.

A safe and widely accessible vaccine would allow businesses to open their workplaces again and start returning to a semblance of normalcy. But employers are caught in the difficult position of having to protect their workers and customers from infection in their facilities as well as respecting the wishes of individual employees who may object to being required to be vaccinated.

The issue spans Equal Opportunity Employment Commission regulations and guidance, as well as OSHA workplace safety rules and guidance. With that in mind, employers mulling mandatory vaccination policies need to consider:

• How to decide if such a policy right for the company,
• How they will enforce the policy,
• The legal risks of enforcing the policy, and
• Employer responsibilities in administering the policy.

Proceed with caution

A number of law firms have written blogs and alerts on the subject of mandatory vaccinations, and the overriding consensus recommendation is to proceed with caution.

In 2009 pandemic guidance issued during the H1N1 influenza outbreak, the EEOC stated that both the Americans with Disabilities Act and Title VII bar an employer from compelling its workers to be vaccinated for influenza regardless of their medical condition or religious beliefs – even during a pandemic.

The guidance stated that under the ADA, an employee with underlying medical conditions should be entitled to an exemption from mandatory vaccination (if one was requested) for medical reasons. And Title VII would protect an employee who objects due to religious beliefs against undergoing vaccination.

In these cases, the employer could be required to provide accommodation for these individuals (such as working from home).

Additionally, the employer would have to enter into an interactive process with the worker to determine whether a reasonable accommodation would enable them to perform essential job functions without compromising workplace safety. This could include:

• The use of personal protective equipment,
• Moving their workstation to a more secluded area,
• Temporary reassignment,
• Working from home, or
• Taking a leave of absence.

One issue that employment law attorneys say may not have any legal standing is if an employee objects to inoculation based on being an “anti-vaxxer,” or someone who objects to vaccines believing that they are dangerous. In this case, depending on which state your business is located, you may or may not be able to compel an anti-vaxxer to get a vaccine shot.

Protecting your firm

To mount a successful defense of a vaccination policy if sued, you would need to be able to show that the policy is job-related and consistent with business necessity. And that the rationale is based on facts, tied to each employee’s job description and that you enforce the policy consistently without prejudice or favoritism.

Also, you must ensure that any employee who requests accommodation due to their health status or religious beliefs does not suffer any adverse consequences. In other words, you cannot punish someone that is covered by the ADA or Title VII for refusing a vaccine.

Also, you will need to project and safeguard your employees’ medical information, under the law.

The takeaway

A number of employment law experts say that once a vaccine is widely available, most employers will likely have the right to require that workers get it, as long as they heed the advice above about the ADA and Title VII. Until then, you may want to consider following the 2009 guidance.

If you do implement a policy requiring vaccination, consider:

• Fully covering vaccine costs if they are not fully covered by your employees’ health insurance.
• Allowing employees to opt out entirely if they have medical or religious objections.
• In the event of a medical or religious objection, you must engage in an interactive process to determine whether the individual’s objections can be accommodated.
• Including safeguards for keeping your employees’ medical information confidential.
• Not abandoning your other efforts to keep your workplace safe, such as the use of social distancing, regular cleaning and disinfecting, and the use of personal protective equipment.

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.

Need More Work, Customers, a Plan B To Generate Massive Cash Flow To Cover Business and Personal Expenses?  Click here to learn more.                        

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 – 2020 – BGES Group

Employment practices and employee benefit-related lawsuits are on the rise – and employers have to be eternally vigilant when it comes to meeting their compliance obligations as plan sponsors.

Take the case of Visteon, a global automotive industry supplier, which outsourced its payroll and enrollment/disenrollment functions to outside plan administrators.

But because of internal mistakes at the firms that Visteon outsourced these noncore HR functions to, some of its former employees who should have received COBRA eligibility notices after leaving the firm never received them. At first it was just a handful, but ultimately 741 co-workers signed on to a class-action lawsuit

Visteon argued in court that it was not its own mistakes that had caused the error, and that it had made a good-faith effort to hire outside experts to take over this function for them. Payroll and enrollment, after all, are not core competencies for an auto parts supplier, the company said, and it had been relying on the expertise of these other payroll companies to properly execute these functions and provide these notices.

The court didn’t buy Visteon’s argument. Rather, it held the company responsible in 2013 for poor internal tracking systems, negligence in overseeing its third party administrators, and failure to accept responsibility for its COBRA notification efforts.

That exposed them to the statutory penalty of $110 per worker per day for failure to provide notification.

In the end, for doing what tens of thousands of employers are doing nationwide – relying on third party administrators to handle payroll functions that are regulated under COBRA – Visteon was slapped with $1.8 million in penalties.

Employers are frequent lawsuit targets

As much as companies rely on their employees to generate profits, simply having them around and administering their benefit plans potentially exposes employers to significant possible liability.

According to a survey from insurer CNA, employment-related disputes are the fastest-growing category of civil lawsuits in America.

Employers face risk from the potential of lawsuits employees may bring for alleged failure to fulfill their fiduciary duties as sponsors of retirement plans under ERISA, for example, or for accidental or unauthorized leaks of personally identifiable information, which carries significant penalties under HIPAA.

Sponsors of defined contribution pension plans, such as 401(k)s, are particularly frequent targets of lawsuits for various fiduciary failures, errors or omissions.

Protecting your firm from legal action

So how can employers protect themselves against the potential costs of employee benefit-related litigation? You should:

• Carefully monitor your plan third party administrators. Insist that they document their own compliance practices to you. Don’t take their word for it.
• Reconcile your own lists of recently departed employees with your payroll company’s COBRA notifications.
• Understand that your commercial general liability insurance policy usually will not cover you against liability arising from improper administration of employee benefit plans, ERISA, COBRA, USERRA, wage and hour laws, Title VII related lawsuits, and the like.
• Consider employment practices liability insurance. This coverage will often protect against lawsuits like this and cover legal expenses, and even judgments.
• Conduct regular reviews with advisers of investments in pension and 401(k) plans. Investments should be reviewed at least annually – and quarterly is not unusual.
• Ensure that fees paid to 401(k) and other plan administrators are not excessive. You don’t have to go with the cheapest provider (that can be trouble, too). But if you do choose a higher-fee vendor, document why you made that decision so that you can show your reasoning in court and defend your decision-making as sound and prudent.
• Invest in data security and HR compliance expertise.

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.

Need More Work, Customers, a Plan B To Generate Massive Cash Flow To Cover Business and Personal Expenses?  Click here to learn more.                        

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 – 2020 – BGES Group

About Program:

1. Out of all the New York and New Jersey Workers Compensation companies rates are some of the lowest we’ve seen.    

2. Most contractors qualify for coverage.

3. For tougher class contractors like roofers, demolition, excavation, contractors working at heights, we have another low rate program.

4. Can cover workers in multiple states.

5. Quote turnaround can be 24 hours or less.

Need More Work, Customers, Plan B to Generate Massive Cash Flow to Cover Business & Personal Expenses?  Click Here to Learn More.

6. Monthly payment plan.

7. You can issue your own certificates on-line.

8. Proper payroll classification.

9. Simplified audits.

10. Customer service – You can get someone on the phone in seconds.

11. There are no policy or service fees charged

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

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, 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.

Need More Work, Customers, a Plan B To Generate Massive Cash Flow To Cover Business and Personal Expenses?  Click here to learn more. 

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 – 2020 – BGES Group

Rates Too High – Believe it or not, there are insurance companies whose rates are up to 40% higher than others.  If you’re an auto service, contractor (we have GREAT plans for contractors), limousine service, local trucker or manufacturer, we can offer you low rates.                                                                                                                                                               

Have Poor Loss Experience Causing Your Rates To Skyrocket or Company To Cancel Coverage – This is where we excel.  We can find you a new company at the best possible rates.  Many companies have come to us for help.  If this is your problem, let us help you fix it.

Sick of Time Consuming, Interrogational Audits  – Depending on your state and plan, we may be able to get you away from annual audits.  Some of our companies offer simplified audits.  They just check a few things then leave you alone.

With a State or Assigned Risk Plan – Do you have employees working out of state weeks at a time?  For example, are you a New York contractor who has employees working in New Jersey or Connecticut for weeks at a time?  If so, you may be exposed to a “financially knock you out of business” problem.

Dislike Your Agent – There are agents that are order takers.  Most know so little they are dangerous to ones financial wealth.  They allow mistakes which cost thousands, tens of thousands of dollars.  On the other hand, there are specialists, like our company, that know the rules and use them to your advantage.   Go to our website by clicking the green button below and read what people think of us.  We believe we are one of the best specialists in the tri-state area.

Worker’s Compensation Through a Payroll Company – Unhappy with their fees, workers’ compensation rates or service?  We offer FANTASTIC options!

Feel Like You’ve Been Overcharged for The Past Seven Years – We have a program that will review your policies going back seven (7) years and if we find mistakes, get you refunds from your past carriers.  This service is offered on a contingency fee basis and requires you to sign just thee documents then we do the rest.  Interested?  You should be because it’s a WIN situation for YOU!

Unhappy With Your Workers’ Compensation Company or Agent – Quite a few companies provide lousy service.  Can’t get someone on the phone when you need to?  Have to wait hours or days for a certificate of insurance?  They charge ridiculous fees of $500 to $5,000 or 10% of your premium  Your employees receive collection notices from providers because their medical bills are not being paid.  None of this happens when you are insured with us.

Payrolls Being Misclassified – We’ve watched hundreds of business owners (contractors especially) be overcharged because their payrolls were misclassified.  Payrolls end up in the wrong class codes.  Special credits and payroll considerations have not been applied.  Fictitious payrolls have been created.  There are seven mistakes we can think of that are common occurrences.  Why pay an insurance company thousands, tens of thousand more than you have to?  We help eliminate these problems for you.

Paying a Monthly Fixed Premium – The state of our economy is very precarious now.  With some of our plans, you pay based on the past month’s payroll.  If you have no payroll you have no workers compensation payment.  We have plans where the premium varies based on how business is.

Paying a 25% Renewal Deposit – We have plans where there are NO renewal deposits.

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) 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.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Need Help Getting More Customers?  Want To Be a Part of a Multi Million Dollar Business Opportunity?   To learn more click here.            

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 – 2020 – BGES Group

While hacking by outsiders is posing a larger and more significant threat to companies of all sizes, the threat of insider jobs – particularly by disgruntled former employees – is often a bigger one.

These attacks, carried out with malicious intent to hamstring a company’s operations, can cause serious problems. Take, for example, the following recent events:

• A former employee of Spellman High Voltage Electronics Corp. is facing charges after employees began reporting that they were unable to process routine transactions and were receiving error messages after he resigned, due to allegedly being passed over for a promotion.The mayhem cost his former employer more than $90,000, and he was arrested. “The defendant engaged in a 21st-century campaign of cyber-vandalism and high-tech revenge,” said Loretta Lynch, the United States attorney for the Eastern District.
• A former employee of McLane Advanced Technologies was sentenced to 27 months in prison and ordered to pay $35,816 in restitution after pleading guilty to hacking into McLane’s systems and deleting payroll files to the point that staff could not clock in and the company could not issue payroll checks. He was upset after the company had fired him and then refused to help him obtain unemployment benefits.

With these cases in mind, there are internal steps you can take to avoid this sort of thing happening at your company, including:

Route all offsite access through a VPN – This can typically prevent someone from entering your system altogether. But once you have such a system in place, all outside connections need to be logged and monitored for suspicious activity.

Test your disaster recovery plan – You need to have a disaster recovery plan in place that includes backing up data every day, just in case someone deletes data from your servers. That way, if data is deleted you can immediately switch to a backup IT environment. Oftentimes, organizations do disaster recovery, but unless they practice the actual recovery, they don’t know if it will work, and it doesn’t matter whether they have a physical or a virtual environment. So, don’t forget to test any plans you have.

Block unapproved software – Sometimes your employee hackers will install extra software that makes it easier for them to root through your system and create havoc. You should have systems in place that do not allow anybody to install unapproved software.

Disable ex-employee accounts and passwords – Whenever an employee or contractor ceases to work at your business – or in the case of layoffs, beforehand – disable their network access, accounts and passwords.

Block root access to everything – Well-run IT shops always block direct, root-level (for Unix) or admin-level (for Windows) access to critical systems. They do this because they know that giving IT employees too much access is an invitation to commit abuse. Accordingly, give users unique passwords to systems and restrict what they can access. Assigning individual passwords to employees also makes it much easier to revoke them, and to monitor how they’re being used.

Make suspect behavior cause for concern – Watch for human-behavior warning signs such as complaining to others about the company and more than usual time accessing your company data on your network. Develop a response plan for when such signs are spotted.

Beware resignations, terminations – Most people who steal intellectual property or destroy systems do so within 30 days of resignation. Keep a close eye on departing or departed employees, and what they viewed. If someone resigns who has had access to your most sensitive company information, including trade secrets, you need to pay special attention to ensure it’s not compromised.

Marshall forces – Businesses that prepare for attacks in advance tend to better manage the aftermath. When it comes to combatting cases of suspected insider threat, include human resources, supervisors, upper management, security, legal and your IT crew in developing a company-wide plan.

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) 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.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New Customers – Sick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.                  

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 – 2020 – BGES Group

The COVID-19 pandemic will lead to permanent changes in the way business is conducted, how we manage our workflows and how we handle our personnel.

It has forced many companies to furlough workers or keep operations going by having staff that, if they can do so, work from home ― and it’s clear the work landscape is not as it was just a few months ago. The consulting firm Gartner recently published a paper on its predictions for how the pandemic will have a lasting impact on the future of work.

Look at each of the trends below and consider how they will affect your operation and what steps you need to take if any of them are likely impact your company’s plans (expansion or breaking into new markets, for example).

Some of the trends were already underway prior to the pandemic but have been accelerated by it, while others started when non-essential businesses were ordered to close and people told to shelter at home.

More remote working

Probably the biggest human resources effect of COVID-19 is the rapid migration to working from home, which built on a trend that has been slowly growing over the past 20 years. A Gartner survey found that 48% of employees have been working remotely at least part of the time since the pandemic started, compared to 30% before.

If you were forced to rapidly shift to remote working or are planning to do so in the near future, you should decide what your employees will need in terms of resources, skills and work ethic to be able to work and collaborate from different locations.

You will need to decide which jobs can be done remotely and choose which employees can perform them. Staff selection should be done in a manner so as not to appear discriminatory.

Electronic data collection

With the shift to remote work, 16% of employers are electronically monitoring their employees through methods such as:

• Virtual clocking in and out
• Tracking computer usage
• Tracking productivity
• Monitoring employee engagement.

This was a trend also underway before the pandemic, but it’s accelerating now due to the increase in telecommuting.

More use of independent contractors

With unpredictable workflows and economic uncertainty, many companies have increased their use of independent contractors to “maintain more flexibility in workforce management,” according to Gartner. Its survey found that 32% of organizations are replacing at least some full-time employees with freelancers, gig workers or independent contractors.

Designing business for resilience

Companies that were able to adapt to the changes wrought by COVID-19 were able to quickly change course and keep going.

But, too many organizations are tied to strategies that are laser-focused on efficiencies, in terms of employee roles, supply chains and workflows. That made some companies too rigid and when COVID-19 arrived, they were unable to adapt.

Gartner recommends that you design your operations and employee roles so that they are more flexible. It also advises providing “employees with varied, adaptive and flexible roles so they acquire cross-functional knowledge and training.”

Better treatment of workers

If anything, COVID-19 has brought human suffering to the forefront, and the threat of contracting the virus at work has made going to a typically low-risk job perilous. The pandemic has prompted many employers to prioritize the well-being of their employees more than ever before.

Employee morale during this time is fragile. How you treat workers during this period of crisis will echo for years to come. Whatever new systems or procedures you put in place due to the pandemic, be mindful of the effects on your employees.

For example, if workers point out inequities between remote and on-site workers, you need to investigate and make changes if necessary.

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) 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.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New Customers – Sick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.           

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 – 2020 – BGES Group

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) 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.

Contractors Make More Sales – Close more sales with easy, affordable financing options for your customers.  Everything can be done from your phone.  Thirteen banks to get financing from.  No hidden fees. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft.  This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of.  Under our program you can protect yourself, spouse and children.  Anyone you know can purchase this protection though our plan!  Click here to learn more or sign up.

Soon To Be The Best Artificial Intelligence Technology Marketing Platform In The World To Get You New Customers – Sick and tired of paying social media experts thousands of dollars to do your marketing?  Paying Google, Facebook, Linkedin hundreds/thousands of dollars for lousy results?  How would you like to dominate your business niche?  How would you like get in on the ground floor and earn a massive new cash flow every month?   Click here to learn more.    

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 – 2020 – BGES Group