1) Helping your customers reduce their gas and electric bill by up to 40%? There are actually six (6) essential services you can offer customers and make money!
2) Your customer is still billed and keeps their SAMEUTILITY COMPANY.
3) Discounted rates have already been set.
4) Every time your customer pays their bill you get paid up to 10% of bill.
5) Your customer(s) win by saving hundreds, thousands, tens of thousands of dollars a month.
6) You win by being paid a monthly, residual income, every time they pay their bill.
7) We will hold your hand and show you how to do this business every step of the way.
8) Funny thought! New income profit center hopefully will get rid of work related, worrying about making a living stress disorders.
Interested in learning more? Contact Gary at 914-806-5853 by calling or text. You can also click here and watch video on 6 different ways you can make money. Our email address is bgesgroup@gmail.com
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
A recent appeals decision denied coverage to a company on its
directors and officers (D&O) liability insurance policies for taking too
long to file the claim.
In this case, the 5thU.S. Circuit Court of Appeals in New Orleans sided with an
insurer that had denied a claim a company had made after being sued for failing
to pay overtime wages to nonexempt employees.
The insurance company had denied the claim because the first
employees’ claim was made in August 2014, but the company failed to inform the
insurer of that and subsequent claims until September 2015.
This case illustrates the importance of filing claims in a timely
manner.
When the employer actually got around to filing the claim it had
an in-force D&O policy with the insurer, although there was an earlier
policy in force when it had received the first claim of failing to pay
overtime.
Under the policy in force at the time of the first claim, the
insurer would have been obligated to pay all claims made against the company
under the policy.
“That earlier policy would have provided coverage except that
the insured failed to comply in 2014 with a notice provision. We conclude the
district court was correct to rely on this difference,” the three-judge
panel in the appellate court wrote in an opinion that upheld a lower court’s
ruling.
Timeliness
One of the critical obligations of an insured is the duty to
timely report claims or circumstances that may give rise to a claim. Failure to
report a claim in accordance with the policy requirements can result in a claim
being denied, or worse, having the entire policy voided.
D&O policies are “claims made” policies, meaning
that coverage exists only for claims made during the time period the policy is
in effect. Claims made while no policy or extended reporting period are in
effect are not covered.
Claims-made policies also have retroactive dates. Ideally, the
retroactive date is the day the insured started business, but it can also be
the day that it first purchased professional liability coverage.
Assuming the retroactive date has not been advanced, the policy in
force when a claim is made is the policy that will respond, regardless of when
the negligent act, error or omission took place.
However, there is one important qualifier. This insurance applies
to claims that took place after the retroactive date, but prior to the end of
the policy period, provided that the insured had no knowledge of the claims
prior to the effective date shown in the declarations.
In other words, if you knew of a claim prior to the time you
renewed your claims-made policy but did not report it, and if a claim is
subsequently made, the insurance company can deny coverage. It doesn’t matter
whether or not it’s been continuously renewed by one insurance company, the
policy excludes it.
This underscores the importance of timely reporting of all claims
prior to renewal each year.
BGES
Group’soffice, located in Larchmont, NY is a full service insurance
agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid
& Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s
Compensation, New York State Disability, Group Health, Life insurance and
Personal lines.
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.
New Jersey and Connecticut
Contractors: We have a fiercely competitively priced (savings up to 50%) General Liability, Umbrella Liability,
Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
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.
If you operate out of state 3 or more days at a time, we can offer you the RIGHT coverage (state and assigned risk plans provide coverage based on states workers comp benefit laws. If a worker gets injured out of state, you can be stuck paying claim which could be tens, hundreds of thousands of dollars.)
Our program requires a one-time 10% deposit. No renewal deposits are required.
Our auditors are pleasant, flexible and easy to get along with. We offer simplified audits so our auditors can be in and out within 15-30 minutes. Some states may not require an annual audit.
Our service is FIRST CLASS. When you call you’ll get us on the phone. When you email or text you’ll receive a reply within minutes. You can issue your own acord certificates or we can do them for you. C105.2s usually done within 5-10 minutes.
You will be dealing with one, very experienced person. He has 38 years experience, is friendly, easy to get along and gets the job done.
We DO NOT charge a policy or service fee. Some programs charge up to 10%.
When you have a claim, if it’s questionable and you let us know, we will investigate very thoroughly. We have a special fraud department. We want to keep your claims experience low so we can offer you best pricing.
Problems we can help you with:
1) Rates too high? Our program rates can be up to 40% less than what you now pay.
2. In the middle of an audit dispute? Being told pay or we will cancel you? Company charging you for uninsured subs that have workers comp? We can help you with audit disputes as well as give you a plan just in case you need one.
3. Now without coverage? We can help you get worker’s compensation even if you’ve been without coverage for months.
4. Classified incorrectly? – In a higher rated class code and your company wont budge? There are some companies that if your i’s are not dotted and t’s crossed will take all your payroll and throw it into the highest rated category. They have no interest in showing you what to do. They want you to pay as much as possible. With us, we know the rules and will help you properly classify payrolls so you don’t overpay.
5. Working in multiple states? If you’ are with a company that can only cover your home state (usually state or assigned risks plans) yet you work in other states, you may have a big uncovered financial exposure. Our programs can cover you in multiple states.
6. Poor loss experience? – Had some bad luck lately? We’ve helped accounts with claims totaling $500,000, $1,300,000 and over $2,000,000 obtain coverage. These days we are seeing more questionable claims. If you need help, give us a call.
7. Is your Agency’s service poor? Can you get someone on the phone when you need to? Do you speak to a different person every time you call? When you send an email does it take days before you hear back? Is your agency charging you a 10% service fee yet doing nothing? With us you’ll speak to one person who will immediately answer your call. We do not charge service fees.
8. Have your Worker’s Compensation with a payroll service who is NOT transparent with their rates? This should not be the case. Some companies charge you for everything so if you’re not scrutinizing your bills you could be paying a lot more than you think. Let us help figure what you are paying so you’re not overpaying.
9. High Experience Modification Factor? – Let us do an analysis and try to lower it. Won’t cost you anything. Maybe we can get you money back, thousands, tens of thousands.
10. Whatever your issue we can help. Even though we have not mentioned the issue of concern know we can help. For 37 years we have specialized at Worker’s Compensation. Helping you is our #1 priority. We are frugal when it comes to YOUR money. We do not charge service fees (unless the insurance company we use does not pay us a commission). We want to understand your needs, your issues, and work together to help.
BGES Group’s office is a full service agency offering property, liability, umbrella liability, auto, bid & performance bonds, inland marine, workers’ compensation, New York State Disability and group health insurance coverages.
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 to.
New Jersey and Connecticut Contractors: We have an extremely competitively priced General /Excess Liability program. You want to lower these costs, get a quote today! Call Gary Wallach at 914-806-5853 or click here.
If you would like to speak with us call Gary at 914-806-5853 or click here to email or click here to visit our website.
Two construction workers died on the job every day in 2013, according to the U.S. Occupational Safety and Health Administration. One out of every 25 construction workers got hurt on the job that year. Workers in this industry need the protection of Workers’ Compensation benefits more than most.
Most states require employers to carry Workers’ Compensation insurance, but not in all cases. Many states exempt one-person operations from the requirement, for example. Regardless, it is a good practice for project owners and general contractors who hire subcontractors to require the subs to carry this insurance, whether the law requires it or not.
A typical construction project involves three types of entities: The owner who is paying to have the project done; a general contractor or independent contractor whom the owner hires to do the work; and subcontractors whom the GC hires to do portions of the work. The relationships between these entities and their employees differ.
While most states require employers to provide Workers’ Compensation benefits to employees, their laws also define who exactly is an employee. If someone is working on my property, but the law does not consider that person to be my employee, then I do not owe that person Workers’ Compensation benefits. States use several criteria to determine whether two parties are in an employer-employee relationship. These are similar to the criteria the Internal Revenue Service uses, such as control over when and how work is performed.
Typically, state regulators do not find a construction worker to be an employee of a project owner. The same cannot be said about independent contractors and employees of subs, however. Some sole proprietor subcontractors who suffer worksite injuries claim Workers’ Compensation benefits under the policies of the contractors who hired them. Often, state Workers’ Compensation law judges rule that these individuals were acting as employees of the hiring contractors, not independent contractors.
In addition, many state laws require an independent contractor who hires a sub to provide Workers’ Compensation benefits to the sub’s employees if the sub fails to obtain insurance. The injured subs or their employees end up collecting benefits even though that was never the intention of the hiring contractors. Consequently, insurance companies can and do charge independent contractors additional premiums when they find that uninsured subs have worked for them.
In a worse case scenario, both the independent contractor and the sub may fail to buy Workers’ Compensation insurance. Leaving aside the legal problems that will result for the employers, this leaves injured workers without sources of the benefits to which they are entitled. Their logical recourse is to sue the project owner. They may seek damages for an alleged failure to maintain a safe worksite or for negligence in the hiring and supervision of contractors. Since the project owners are not the employers of these injured workers, their own Workers’ Compensation policies will not help. Rather, they will have to seek legal defense and the payment of any awards from their liability insurance companies.
For these reasons, project owners should insist and verify that all contractors working on the job, including subs, carry their own Workers’ Compensation insurance. Independent contractors should do likewise with the subs they hire. Project owners may want to supplement their protection by making the independent contractors responsible for verifying that the subs have insurance, and by requiring the independents to hold the owners harmless from any lawsuits resulting from workplace injuries.
Construction is dangerous work. Every contractor setting foot on a job site should carry its own Workers’ Compensation coverage, whether the law requires it to or not.
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, Funding for the Construction Industry, Worker’s Compensation, New York State Disability, Group Health, Life insurance and Personal lines.
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 40 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.
ALERT NEW JERSEY & CONNECTICUT CONTRACTORS: We have an extremely competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
For Help Contact Gary Wallach Call 914-806-5853 or click here to email or click here to visit our website.
(Please Note this program is designed for contractors and is not a State or Assigned Risk plan.)
Workers Compensation Program:
Savings up to 40%.
Our program was created to provide worker’s compensation coverage to contractors in NY, NJ, CT.
Our program offers long-term coverage stability. It is NOT a state or assigned risk plan
We have one of the best claims services in the industry. If a claim is questionable we know how to fight it and we will. We want to keep your experience mod low and rates too.
We cover you with THE RIGHT coverage while operating outside of your home state. For example, if you are a NY contractor and take a job in NJ that will last 1 ½ months, the NY state plan will not cover a claim arising from that job. Did you know New Jersey’s medical benefits are substantially higher than New York’s? Not having the right coverage can knock you out of business.
To bind we require a low up front deposit. On renewals, NO deposit is required.
Proper payroll assignments. Payrolls will be assigned to the right class codes. You are given control over this.
Proper payroll caps – Our program caps payrolls as required by your state’s worker’s compensation rules.
Simplified audits – Our auditors just want to make sure you classified workers correctly. They also want to make sure your subs have coverage. They can be in and out in 15 minutes.
You can issue your own certificates on-line. C105.2’s for DOB and DOT done by our organization in less than 10 minutes.
FIRST CLASS service. You will work with one person who has 37 years experience and when you call or email responds immediately. This person is very responsible, picks up the phone when you call even on weekends and is a pleasure to deal with. He is knowledgeable, street smart and gets the job done.
We DO NOT charge $500 to $5,000 policy or 10% service fees. We provide V.I.P. service to every client we work that’s in program.
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, Funding for the Construction Industry, Worker’s Compensation, New York State Disability, Group Health, Life insurance and Personal lines.
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.
New Jersey and Connecticut Contractors: We have a fiercely competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
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.
Workers’ compensation fraud costs the insurance industry roughly $5 billion each year, according to estimates by the National Insurance Crime Bureau. And depending on whom you ask, fraud accounts for as much as 10% of the costs of all workers’ comp claims.
This type of fraud is typically associated with malingering employees who fake injuries in order to collect compensation and some paid vacation time.
In tougher economic times, particularly as lay-offs mount, some experts think there is an increased exposure for employees to claim a work-related injury for a variety of manufactured reasons, such as for an injury that occurred on personal time.
Anytime you feel you have a suspicious claim on your hands, look for these tell-tale signs of potentially fraudulent claims. Usually one of these items alone is not enough to point to fraud, but if you have two or more of them, it could suggest a problem.
1. Late reporting. If you have an employee who suffers a legitimate on-the-job injury, they will generally report it right away. Late reporting may not always be indicative of a fraudulent claim, though, because sometimes the true effects of an injury may not be known until the following day.
2. The Monday morning claim. If the injury allegedly occurred on Friday, usually late in the day, but did not get reported until Monday, there is reason to suspect there might be a little more going on than meets the eye. The logic is that the employee likely suffered an injury over the weekend and does not want to pay for it themselves if they lack health coverage, or if they don’t want to foot the bill even for their coverage deductible.
3. Lack of witnesses. Often your employees won’t be working in a solitary environment and there ought to be somebody on your staff who witnessed the accident. Still, not every claim has a witness and this should not be used solely to determine fraud.
4. Sketchy details or conflicting descriptions. Most claimants can recall the details of their injury. If the claimant seems to be fuzzy on the details and gives vague responses to questions, it could be a warning sign.
Also, if the employee’s description of the accident conflicts with the medical history or First Report of Injury, there may be a problem. This could arise if, upon further investigation, the employee keeps changing the story and adding or removing pertinent information – a good reason to suspect it to be a fraudulent workers’ compensation claim.
5. Disgruntled employee. A disgruntled employee is more likely to place fraudulent claims than an employee with high job satisfaction.
6. Financial hardship at home. Workers’ compensation benefits are sometimes seen as a way out of a tight financial situation at home. Although temporary disability benefits are lower than normal working wages, the worker could use the time to “double dip,” that is, take on extra work when they are supposed to be at home recovering from the alleged injury.
7. Hard to reach. This ties in with number 6. If this occurs every time the claimant is called, there is a possibility of fraud.
8. Misses medical appointments. If an employee is truly injured, they want to get better and will make sure to go to all medical appointments. Missing appointments is another reason to suspect fraud.
9. Engaged in activities not consistent with the injury. If your employee reported a back injury and other employees find that he is playing softball on the weekends or renovating his yard, there is good reason to suspect fraud.
10. Employment change. The employee reports the injury right before or after being laid off, near the end of a contract job or near the end of seasonal work.
11. Post-termination claims. If an employee files a claim after being laid off or fired, red flags should pop up.
12. Frequent moves and changes. The claimant has a history of frequently changing physicians, addresses and places of employment.
13. History of claims. If the claimant has filed suspicious or litigated claims in the past, they could be a person who feeds off the system.
14. Employee refuses treatment. There should be no reason that a legitimately injured worker refuses a diagnostic procedure to confirm the nature or extent of an injury.
15. Rigorous hobby. If the injured worker has a pastime that could cause an injury similar to the alleged work injury, the claim could warrant further investigation.
Remember, if you suspect fraud, you should talk to your broker or the insurance company claims representative to alert them. All insurance companies are required to have special investigation units that look into claims fraud. It benefits both you the employer and the insurer if the insurance company investigates and ferrets out a fraudulent claim.
If the insurer suspects fraud, they can reject the claim and report their suspicions to the local district attorney’s office and the Department of Insurance.
Gary Wallach Call 914-806-5853 or email: 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, Funding for the Construction Industry, Worker’s Compensation, New York State Disability, Group Health, Life insurance and Personal lines.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Unhappy with your workers compensation pricing? Company? Service? In the middle of an audit dispute? Payrolls misclassified? Owe large amounts at audit? Have to come up with a 25% renewal deposit? We have a program that can lower your premium by up to 40% and addresses your issues.
Special Contractor Insurance Programs (NY, NJ, CT) – We we have 40 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.
ALERT NEW JERSEY & CONNECTICUT CONTRACTORS: We have an extremely competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
For Help Contact Gary Wallach Call 914-806-5853 or email: bgesgroup@gmail.com
http://www.bgesgroup.com
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
Just the mention of a workers’ compensation audit can stir up the butterflies in your stomach and add a serious dose of stress to your existence.
But, if you are scheduled for an audit, there is no need to dread it. A small amount of preparation and common sense can save you a lot of aggravation and money.
Timing
Devoting a few hours of effort now can save you a lot of time in the future. Give your full attention to the auditor and remain with them throughout the entire process. The process may take a couple of hours to complete, so make sure that the time and date of the scheduled audit are convenient for you. Call to reschedule the audit if it has been scheduled at an inopportune time.
Documentation
As soon as you learn about the audit, begin to collect and organize:
Payroll records,
Overtime payroll records,
Classification divisions, and
Insurance certificates.
This should give you plenty of time to compose a summary of each, which will help you to better communicate important data during the audit process. Information that is well organized will also expedite the process. If you can reconcile your calculations to payroll records, such as W2s and payroll stubs, the auditor might be more comfortable trusting your data.
You will also want to make any needed adjustment to payrolls; for example, subtracting bonus pay from overtime pay.
If applicable, you will need to apply the maximum and minimum payrolls to the calculations. This part may take a little research, since the minimum and maximum will vary based on state, career, and even among sole proprietors, partners and executive officers.
Classification and subcontractors
Before the audit, review the different employee job classifications and make sure that each person is correctly classified.
This is a key element to ensure that the audit flows smoothly. If there’s any question about how to classify an employee, call us. The auditor is most likely going to ask you about the classification and job duties for multiple different employees, so be prepared and armed with knowledge.
One last important preparation concerns subcontractors. Payments issued to subcontractors can go against your workers’ compensation in the event that the subcontractor did not have a certificate of workers’ compensation.
You can get a copy of the certificate, but make sure that it is current and shows coverage during the time the subcontractor worked for you.
D-day
Once the audit arrives, you’ll be glad that you took a little time collecting, organizing and summarizing your information. You will also find that the auditor is not a nemesis, especially when you provide honest answers and organized paperwork.
At the conclusion of the audit, ask the auditor for the audit worksheet. Then ask us to review the accuracy of the final audit.
You have a legal right to ask for a corrected audit anytime you think there were any errors. If any overpayment was made under the last three preceding audits, you also have a legal right to recover it.
Choosing the right dental benefits plan for your employees is always filled with compromises and difficult decisions, no matter if this is the first time you offer a dental plan at your company or you are just revising the benefits currently on offer.
The process becomes even more difficult when you look into the variety of options and types of dental benefits there are today. Here’s some information to help simplify the situation:
Coverage types
There are three basic types of dental coverage employers typically offer:
Indemnity plan – These fee-for-service style plans are the most common type. They require employees to pay monthly premiums to the insurance company, which agrees to reimburse dentist offices for the costs of the services provided.
What makes these plans so popular is the freedom that covered individuals have in choosing their own dentist. Fee-for-service plans cost more than other plans, but many people are willing to pay more to retain the ability to choose their own practitioner.
Preferred provider organization – PPO dental plans are less expensive than indemnity plans, while still providing a large pool of dentists to choose from. Individuals covered under PPO plans are given the choice of receiving care from any provider within the plan’s dentist network or choosing a non-network dentist and paying a little more in out-of-pocket expenses.
Dental health maintenance organization – A DHMO is the least expensive type of plan. Covered individuals are given an even smaller pool of in-network dentists and may not receive coverage if treated at a non-network facility. DHMOs are able to cut costs by placing a strong focus on preventative care and by offering a selective number of dentists to choose from.
Services covered
Besides choosing one of the three styles of dental insurance, the employer must decide on a benefits program that covers specific services. For example, some plans are comprehensive and cover everything from preventative care to major procedures, while others only cover preventative services.
In dental terms, preventative care refers to semi-annual check-ups and cleanings, yearly x-rays, and fluoride treatments and sealants for children covered under the plan. Basic dental care would refer to basic oral surgeries and restoration procedures. Major dental care refers to root canals, extractions, crowns, prosthetics and advanced surgeries.
Dental plans can also be customized to include services like orthodontics and cosmetic dentistry procedures through the use of riders and options. For a small fee, supplemental services can be added to bulk up basic coverage plans.
The takeaway
When facing such an important decision, numerous factors play into your choice. You must juggle the wants and needs of your employees with the cost and range of each plan. Is it better to have choices or to pay less in premiums?
The more communication you have with your staff, the better you will understand how to formulate a dental insurance plan that meets their expectations.
By promoting good oral health within the workplace and through a benefits program, you will be doing a great service to your employees and your business.
BGES Group’s office is a full service agency offering funding, property, liability, umbrella liability, auto, bid & performance bonds, inland marine, worker’s compensation, New York State Disability and health insurance coverages too.
BGES Group are worker’s compensation specialists (NY, NJ, CT) insuring contractors, limousine services, auto services, local truckers, manufacturers and staffing agencies (Note: we can insure any business). Workers Compensation issues we address: 1) Lowering rates – our specialty programs have been able to save businesses up to 40%; 2) Being non renewed? 3) Audit disputes; 4) Lowering high experience modifications factors; 5) Misclassification of payrolls; 6) Lowering or eliminating renewal deposits; 7) Getting coverage when you’ve been without for a few months; 8) Covering multiple states under one policy; 9) Eliminating 10% service or policy fees; 10) Timely issuance of certificates; 11) 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 to.
Alert New Jersey and Connecticut Contractors: We have an extremely competitively priced General /Excess Liability program. You want to lower these costs, get a quote today! Call Gary Wallach at 914-806-5853 or click here.To Speak With Us Call 914-806-5853, click here to email or click here to visit our website .
http://www.bgesgroup.com or http://www.workerscomp.store
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
When stores lease real estate spaces or construction firms win jobs, the party on the other end usually has a very specific set of requirements.
One of the main requirements is that the tenant, contractor or borrower show proof that he or she has adequate insurance.
Copies of insurance documents may be sufficient. But, not all companies want copies of documents sitting around.
A very helpful substitute for document copies is a certificate of insurance.
How it works
A certificate of insurance is a standardized document that will show:
The types of coverage the policyholder has purchased
The effective and expiration dates of the policy, and
The limits of liability coverage.
In short, it provides evidence that a company is insured. This item is simple to create and store. Unfortunately, not all firms and insurance buyers fully understand them.
ACORD constructed the forms that are most commonly used. According to their instructions these certificates are intended for informational purposes.
When some businesses receive these certificates, they think the items are contracts. But, the certificate is simply a snapshot of insurance provisions. It indicates that a policy exists, but it is not the document that actually provides coverage. The only document that actually provides coverage is the policy itself.
When you need one
Companies and individuals that hire contractors want to be certain that they will not be held liable for injuries, damages or substandard work. For this reason, they will frequently request to see a certificate of insurance.
If your company has been contracted to do work and is asked for proof of insurance, we can provide you with a certificate of insurance if you have purchased coverage through us.
Many businesses want these certificates to have specific terms, phrases or words. But agents have legal boundaries for such requests. The only way agents can add wording to a certificate is if the listed policies contain that wording. Changes are not always allowed.
Many states prohibit agents from handing out certificates implying provisions that are not included in the policies.
For example, a certificate holder may want the item to state that coverage is primary and noncontributory. However, policies that do not reflect such information cannot have certificates that indicate otherwise.
Before you sign papers for leases or construction jobs, you should verify coverage requirements with us.
Don’t be alarmed or taken off guard if a client requests the addition of their name or business as a certificate holder on your certificate.
Oftentimes, this is easily accommodated, but you must submit a request to your insurance agent so that they can review and issue your certificate accordingly.
Act now
Don’t wait until a client asks you to provide evidence of business insurance coverage. You can be proactive and have your document ready.
When working with a new client, the last thing you want is to hurt your company’s reputation and lose clients because you have not requested your insurance certificate in advance.
1) We have a network of fifty (50) insurance companies. Represent THE BEST PROGRAMSfor N.Y., N.J., C.T. construction companies. Depending on what you do, we will market your account to these companies and get you “The Right or Better Coverage at The Best Rates.” We will help you better your situation.
2) Make sure you have “The Right Coverage” by analyzing your needs then coverage. There are a lot of exclusions in policies. DO NOT wait for a claim before learning you have the wrong coverage. For FREE, have your needs analyzed by a team of “TOP NOTCH EXPERTS!” 3) There are a lot of insurance companies on “Black Lists.” Typically these companies have exclusions that are not acceptable and prevent you from working with new customers. Our companies are NOT blacklisted.
4) Help screen customer contracts so you are in compliance with their insurance requirements. A lot of your customers have risk advisors that screen their contractor insurance policies. We can help you deal with them.
5) Have a written safety manual? We can help put one together for you.
6) Are you screening your subcontractor’s coverage? A lot of liability policies have strict subcontractor insurance requirements. If there’s a claim, and your subs have the wrong insurance, you will have NO coverage. We can help you screen your subs insurance.
7) Using a good subcontractor hold harmless and insurance agreement? This is very important because when marketing your account insurance companies want to see proper risk transfer mechanisms in place. We can help you put one together.
8) We can help you with OSHA compliance, employee background screening, stewardship reports, coordinated loss control survey and inspections, claims management services and disaster recovery.
9) Working out of state and have your workers compensation with a state or assigned risk plan? A lot of contractors who work out of state have their workers compensation with a state or assigned risk plan. Most DO NOT realize if an employee gets injured and files claim out of state there’s probably NO coverage. Employees file claims out of state because it’s more convenient or they receive higher payments. Getting a second workers comp policy is a starting point however, at audit, complications arise (having your payroll records set up correctly becomes very tricky) and carrier double charging occurs. Can you afford to pay $50,000, $100,000 or more and deal with employee’s attorney for years? We have an EXCELLENT program to offer YOU that provides “The Right” protection.
10) Unhappy with your Workers Compensation? Issues we address:
A) Lower your rates – Our programs can save you up to 40%. B) Unhappy with your company’s service? Ours is FIRST CLASS.
C) Being non-renewed? We have 10 companies to go to for you. D) In the middle of an audit dispute? We can help you.
E) We can help you lower a high experience modifications factor.
F) Misclassification of payrolls.
G) Lowering or eliminating renewal deposits.
H) Getting coverage when you’ve been without for months.
I) Cover multiple states under one policy.
J) Eliminating 10% service or policy fees.
K) Timely issuance of certificates – Option – You can issue your own on line.
L) You will be able to reach someone by phone, email, text within seconds.
11) Deal with a broker who has 38 years experience. Who when you call answers their phone. Who when you email emails you right back. Who when you text texts you right back. Who when you have a problem is within seconds there to help you. We are old school. Offer boutique service. Every day we deal with contractors, their issues, solving their issues. We represent “The Top” construction insurance programs in the tri-state area. Have a great reputation. We are NOT insurance generalists, we are construction EXPERTS. If you are unhappy with what have contact us today! 914-806-5853 Email: Click here.
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, Funding for the Construction Industry, Worker’s Compensation, N.Y.S. Disability, Group Health, Life insurance and Personal lines.
BGES Group are Worker’s Compensation Specialists (NY, NJ, CT) helping contractors, limousine services, auto service, local truckers, manufacturers and staffing agencies (note we can help any business). Workers Compensation issues we address: 1) Lowering rates – our specialty programs have been able to save businesses up to 40%; 2) Unhappy with your company’s service, are they difficult to work with? 3) Being non-renewed? 4) Audit disputes; 5) Lowering high experience modifications factors; 6) Misclassification of payrolls; 7) Lowering or eliminating renewal deposits; 8) Getting coverage when you’ve been without for months; 9) Covering multiple states under one policy; 10) Eliminating 10% service or policy fees; 11) Timely issuance of certificates; 12) 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 coverage’s. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverage’s, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.
New Jersey and Connecticut Contractors: We have a fiercely competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!
To Speak With Us Call 914-806-5853, click here to email or click here to visit our website .
http://www.bgesgroup.com or http://www.workerscomp.store
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
