—>  (Before we get started we offer THE BEST contractor insurance programs for New York contractors.  We have fifty (50) companies to market your account to.  Insuring contractors is our #1 expertise.  We can get you excellent rates, coverage, offer subcontractor insurance screening, can help you with setting up safety manuals, subcontractor insurance and hold harmless agreements, bonding, your personal insurance and group health.)

General Liability:

1. Is your policy preventing you from getting work?

2. Does your policy have the following exclusions

   1. Contractual Liability

   2. Labor Law

   3. Employee Injury

   4. Height Limitation

   5. Type of work you are allowed to do

   6. No coverage for subcontractors unless they carry $2 million or more in liability insurance; carry contractual, primary/non contributory; additional insured; workers comp; list goes on

   7. Residential type work i.e Working in condominiums; conversions, etc. Other exclusions

3. Do you have anyone screening your subcontractor insurance policies to make sure they’re carrying proper insurance and NOT voiding coverage under your policy?

4. Is your policy based on gross sales which you feel is not fair because a big part of sales are materials?

5. Aware of the exclusions under your Commercial Umbrella Liability Policy?  What coverage is afforded subcontractors?  Is there a height limitation?  Type of work limitations?   Residential exclusions?  Commercial work exclusions?  Exterior work exclusions (if you do interior work but use subs that do exterior, do you have coverage?)

6. Because of the coverage limitations, exclusions, audits, rating structures, it is important that you work with a Construction insurance expert.  Most agents are generalists, NOT experts.  Do you feel that way about your broker and agency?

Workers Compensation:

1. Unhappy with your pricing?

2. Is your company auditors difficult to deal with?  Are you being charged the proper rates or is your company throwing all payrolls into the highest rated class codes?  Is your company adjusting your current year policy payrolls to reflect uninsured subcontractors picked up on last audit?  Is your company creating fictitious payrolls because your sales are too high?

3. Are you N.Y. contractor operating in N.J. or C.T. for weeks at a time?  If so, there’s a 50% – 75% chance you DO NOT have the right coverage.  Can you afford paying an uncovered back injury claim for $100,000?

4. Getting hit with large amounts due at audit time?

5. When a claim is questionable (person comes to work and within days he gets injured) does your company investigate or just set up a large reserve?  Note this affects your Experience Modification Factor and pricing.

6. When you have a problem can you get someone on the phone who gets things done to help you?

Here’s What We Can Offer You:

1. The ability to get your account marketed to THE BEST construction insurance programs for New York contractors (we also cover New Jersey and Connecticut.)

2. Unlike other agencies that sell policies with Labor Law, employee injury, no contractual liability, they do not even know or understand the exclusions in the policies they are selling, we do not offer such policies.  We offer quality coverage at best pricing.

3. You will be able to get all coverages including property, inland marine, general liability, umbrella liability, business auto, workers compensation, N.Y.S. disability, bid & performance bonds, subcontractor screening, personal insurance and group health insurance through one agency.

4. We have a team set up to do your certificates.  Certificate issuance turnaround is fast.

5. Better Pricing – We has access to all the right companies.  We have purchasing   leverage (we do in excess of $140 million in construction business.)  Construction insurance is our #1 expertise.  You can only better your situation.

6. Personalized service – You will have the names, phone numbers and email addresses of our team assigned to service your account.  You will also be able to contact your broker within seconds day or evening, Monday thru Sunday.

About BGES:

[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]

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  & 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

e-mail: bgesgroup@gmail.com

(C) – Copyright – BGES Group

Imagine it’s a typical July day. You own a 30,000-square-foot office building that is 85% occupied. And the air conditioning and ventilation systems stop working. The outside temperature is in the ’90s and the humidity is high. It doesn’t take long before the tenants start to complain.

The contractor you summon determines that an electrical arc fried the circuit board that controls the systems.

The board must be replaced, but it will take up to five business days for it to arrive. In the meantime, the building is unfit for people to work in, and the leases oblige you to credit tenants’ rents for periods when the building in uninhabitable for more than a day. In short, you face thousands of dollars in repairs and much more in lost rents.

While your property insurance policy will cover the resulting property damage from fires or explosions, it will not cover the equipment or lost income from the downtime during repairs.

But equipment breakdown insurance will.

Equipment breakdown insurance

This form of insurance is not a substitute for other property coverage. It will not pay for damage caused by fire, lightning, explosions from sources other than pressure vessels, floods, earthquakes, vandalism, and other causes of loss covered elsewhere.

Equipment breakdown policies are designed to fill in the gaps left by other policies, not to replace them. Also, they do not cover mechanical breakdowns that result from normal wear and tear as a device ages.

A number of events can trigger a claim for equipment, such as:

• Mechanical breakdown in equipment that generates, transmits or uses energy, including telephone and computer systems.

• Electrical surges that damage appliances, devices or wiring.

• Boiler explosions, ruptures or bursts.

• Events inside steam boilers and pipes or hot water heaters and similar equipment that damages them.

Business owners often overlook equipment breakdown coverage. Bur, virtually all of them have some need for this insurance.

What equipment breakdown insurance covers:

• The cost of repairing or replacing the equipment.

• Lost business income from a covered event.

• Extra expenses you incur due to a covered event.

• Limited coverage for losses like food spoilage in freezers that break down.

Most businesses rely heavily on machines in their daily operations, from computers to refrigeration equipment and elevators to manufacturing equipment.

For some, the cost of repairs to this equipment and resulting downtime can have a serious impact. Such businesses should seriously consider buying equipment breakdown insurance.

Call us if you would like to discuss this crucial form of coverage.

About BGES:

[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]

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  & 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

e-mail: bgesgroup@gmail.com

(C) – Copyright – BGES Group

1. Our program is designed for contractors  (we are NOT a state or assigned risk plan)

2. Pricing can be up to 40% less

3. Program offers long-term coverage stability

4. 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.)

5. Our program requires a one-time 10% deposit.  No renewal deposits are required.

6. 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.

7. 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.

8. 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.

9. We DO NOT charge a policy or service fee.  Some programs charge up to 10%.

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?   We have programs whose rates can be up to 40% lower than what you now pay.
2. In the middle of an audit dispute?   Being told pay or be cancelled?  Company charging you for uninsured subcontractors?  We can help you with audit disputes as well as give you a back-up 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 and do not know what you are paying?  This should not be the case.  Some companies charge for everything.  If you are not scrutinizing their bills you could be paying a lot more than you think.  Let us help you figure what you’re 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 40 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 Wallach at 914-806-5853 or click here to email or click here to visit our website.

About BGES:

[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]

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  & 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

e-mail: bgesgroup@gmail.com

(C) – Copyright – BGES Group

Employees working in the rain face specific hazards, such as poor visibility and wet, slippery surfaces.

When it’s wet and windy, potential hazards at a worksite can be exacerbated. Rain can cause slippery surfaces and limited visibility. It’s also riskier to use heavy equipment in the rain, particularly when moving heavy loads, putting workers on the ground – and even the public – in danger.

However, steps can be taken to mitigate such hazards.

It’s imperative that you as an employer ensure your employees’ safety, especially during this heavy year for rain. When working in the rain, train your employees to:

• Move cautiously – While workers may be tempted to move fast in the rain to avoid getting wet, this can be dangerous, especially on slippery surfaces. If anything, they should work more slowly and deliberately in all of their tasks.

• Use the correct equipment – If workers must use electrical tools or equipment, they need to check that they are specifically rated for outdoors. Also, the tools should have textured, no-slip grips and handles.

• Don proper footwear – Workers should wear footwear with heavy treads that can reduce the chances of slipping.

• Remember rain gear – Proper rain gear includes rain pants and a raincoat. The best clothing is ventilated to help your workers stay comfortable. If it’s cold and rainy, they should also wear wool or synthetic materials that can stay warm even when wet.

• Wear non-slip gloves – Workers should wear gloves that provide a sticky grip even when wet. Gloves should be snug and long enough for a jacket sleeve to prevent water from entering.

• Keep vision clear – Workers who wear glasses (if they must wear goggles for certain jobs) should apply anti-fog spray to them. It’s also advisable to wear a hat to keep rain from their eyes. They shouldn’t use headgear that narrows their field of vision.

• Work in proper lighting – When working at night, workers should make sure lighting is adequate and the lights used are rated for outdoor use.

• Ensure visibility – When it’s raining, visibility decreases and it’s easy for motorists and machine operators to have trouble seeing properly. Workers should wear high-visibility clothing, especially in areas with vehicle traffic and heavy machinery. Don’t wear rain gear or vests that have become dull or are no longer reflective.

Cold stress

When it rains, it’s often cold, too – and wet clothing can exacerbate the cold.

Employees working outdoors for prolonged periods of time when it’s cold must be protected from cold stress. Cold stress can cause frostbite, hypothermia and trench foot.

OSHA advises that cold stress is not limited to freezing temperatures, but can occur in outdoor temperatures in the 50-degree Fahrenheit range when rain and wind are present.

OSHA requires addressing this hazard by using protective clothing, in particular the use of layers with an outer material that protects against wind and rain. Although OSHA generally requires employers to pay for their workers’ protective equipment, employers are not required to pay for ordinary clothing such as raincoats.

Heavy-work dangers

Rain makes operating cranes, derricks and hoists more dangerous as well, particularly when moving large and heavy objects. Heavy rain combined with wind speed can make loads difficult to control.

Also, if a rainstorm is accompanied by lightning, equipment such as a crane can become a lightning rod.

If you feel you cannot adequately protect your workers during a storm, you should not conduct operations in the rain.

[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]

About BGES:
[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]
BGES Group’s officeis 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  & 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
e-mail: bgesgroup@gmail.com

(C) – Copyright – BGES Group

As the costs of nursing homes and assisted living services soar, the financial burden of paying for those services often falls on the elderly individual’s adult children.

Many families cannot afford these services, so they are opting for their ageing parent to live with them. Unfortunately, as those parents get older and need more care, it can take a toll on their adult children and has forced many of them to quit their jobs and take care of their parents full time.

A recent survey by Unum Insurance Company found that 39% of caregivers end up quitting their jobs to take care of their sick or ageing family members. They are forced to quit because their employers did not accommodate their disrupted work schedule.

Unum’s survey found that:

• 18 % of working adults are primary caregivers for sick and elderly loved ones.

• 25% of caregivers are millennials.

• The average age of caregivers is 40.

With the job market tightening, it is wise to consider offering voluntary caregiving benefits to your staff. Studies have shown that people who juggle work and caregiving responsibilities have a higher likelihood of developing chronic health conditions.

That translates into higher health care insurance spending for their employer. Increased stress also lowers employee productivity by almost 20%, and can cost companies thousands of dollars.

For some, caregiving is akin to a second job. The 2017 “Family Caregiver Journey Report,” published by Caring.com, surveyed 2,767 family caregivers of older adults and found:

• 38% of respondents spend more than 30 hours per week on caregiving.

• 68% said their caregiving duties have had a negative impact on their job.

• 55% had missed one or more weeks of work.

• 31% often arrived late or had to leave early.

• 44% spend $5,000 or more per year on caregiving expenses.

What you can do

The federal Family and Medical Leave Act entitles workers to 12 weeks of job-protected leave for qualified family and medical reasons, including caregiving. But many people are reluctant to take advantage of those rights because the leave is unpaid.

It pays for employers to be more flexible. The Unum survey found that absent employees cost the U.S. economy around $25.2 billion a year. You can reduce any fallout on your business by working with your employees.

Now, an increasing number of companies offer paid and/or unpaid leave for caregiving beyond what’s required by the FMLA. They may include benefits such as:

• Flexible work arrangements,

• Information resources and referrals, and

• Emergency backup care.

The most common complaint by caregivers is that they just want their employer to be flexible. They don’t always need a full day off to take care of someone. Sometimes, they need a few hours to get away to assist them or drive them to a doctor’s appointment.

Flexible work arrangements could also include allowing them to do work from home in some capacity part of the week. Another option is flexible time. So if they have to leave for three hours during the day, they can come in early and/or stay late to make up for the lost time.

The key is working with your employees to find a way to accommodate their needs while still keeping them in their job and allowing them to be productive. If you decide to offer some assistance, you should meet with employees who are currently caring for elderly parents to find a solution that works for both of you.

You may also want to consider allowing staff to use sick time to care for family members.

[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]

About BGES:
[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]
BGES Group’s officeis 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  & 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
e-mail: bgesgroup@gmail.com

(C) – Copyright – BGES Group

Many businesses that produce some type of pollutant throughout the course of daily business operations don’t know they are doing so.

Others know they are producing pollutants and have processes and safeguards in place to reduce their release into the environment. A business can be held liable for some very costly damages when these byproducts pollute another property or harm another individual.

Pollution liability clauses were once part of general liability policies, but the extensive asbestos problems in the 1970s spurred most insurers to remove pollution protection from their general liability policies.

Today, pollution liability coverage is obtained through a separate pollution insurance policy. Pollution insurance policies are written for businesses of all sizes, shapes, and forms – from pig farms and printers to apartment complexes, salons, and dry-cleaning businesses.

Why pollution insurance?

Many businesses run the risk of creating pollution during normal daily operations.

There’s also a risk from any existing pollution already on a business’s site of operation. In either case, a business could be held liable if its pollution ends up on a third party’s property, causes damage to the property or harms an individual.

Without insurance, the business would be on the hook for paying for those damages out of pocket.

What do policies cover?

The basic premise of a pollution policy is that an insured party gets a claim related to damages caused by pollution it caused.

This insurance will protect your financial interests in the event a clean-up becomes necessary. Buying pollution liability insurance will cover your interests against lawsuits where a third party could be injured by a toxic substance produced as a result of your work.

Like most types of insurance, the specifics of a pollution policy can vary somewhat from insurer to insurer.

Depending on the insurer, a pollution policy will typically cover

• Damage to properties and individuals

• The cost of cleaning up pollution on a third party’s property

• Pollution incidents that occurred after the policy was

• Investigative, legal, and court costs should the claim enter the legal system.

Who needs coverage?

Businesses that have risks related to the handling of pollutants and hazardous materials, design professionals who work with projects where there are environmental issues as well as those who own and occupy premises that have environmental issues need pollution liability insurance.

This includes:

• Property owners and tenants whose buildings and land have a history of having pollutants on the property or premises. This would include a building on land that had an underground storage tank that leaked fuel oil before it was removed, contaminating the soil.

• Contractors such as roofers who handle pollutants like tar as a part of their operations need contractors pollution liability insurance to cover damage resulting from a pollution incident.

• Architects and engineers who are involved in projects that have issues related to pollutants need to add pollution liability to their errors and omissions insurance policy to manage the risk of making a mistake regarding the presence or absence of pollution issues as they plan and execute a project.

The takeaway

Don’t overlook pollution insurance as an important element of risk management. Should any questions or concerns about pollution insurance and insurance requirements arise, call us.

[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]

About BGES:
[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]
BGES Group’s officeis 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  & 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
e-mail: bgesgroup@gmail.com

(C) – Copyright – BGES Group

1. Let us market your account to our network of fifty (50) insurance companies and find you lower rates, better coverage, less restrictions. Insuring contractors is our #1 expertise. We insure hundreds of contractors and DAILY have a pulse on which insurance companies insure your type of work, pricing, coverage and change in carrier appetite.

2.  Commercial General Liability – We represent the TOP ten (10) New York programs. Insured with a surplus lines carrier? We represent one of the lowest priced, best coverage surplus lines carriers in NY. Only a handful of agents can offer this program. We are one of them. If you fit we will get you in. We also have companies that offer special discounted packages combining general liability, umbrella liability, business auto and worker’s compensation coverages.  Because of policy exclusions, restrictions and contracts you sign it is critical you work with a construction insurance expert. We are one of New York’s leading experts.

3.  Subcontractor Insurance Screening – Are you using subcontractors? Do you require them to sign hold harmless and insurance agreements? Are you checking their insurance to make sure they carry required coverages? Are you a sub signing hold harmless and insurance agreements? Do you know if you are contractually liable to cover certain claims and that your insurance policies cover such claims?  We have a program that will help you screen subcontractors insurance. We also can help screen contracts you enter into to make sure you are in compliance.

4. Has your Umbrella Liability policy pricing increased dramatically over the last few years? Do you know the exclusions in your policy? Have a “Labor Law – Action Over” exclusion? Employee injury exclusion? Contractual liability coverage? Height limitation? Type of work restriction? Subcontractor restriction or NO coverage if your subs fail to carry the proper coverages? Is your policy subject to audit?  For New York contractors we offer the TOP umbrella liability policies.

5.  Business Auto Policy – Unhappy with your rates? We have up to ten (10) companies to market your account to.

6.  Worker’s Compensation – Unhappy with your pricing? In a state or assigned risk plan and wondering what other options you have? In the middle of an audit dispute? Do you operate in multiple states (if insured through a state plan you may not have the right coverage)? Payrolls assigned to proper class codes? Receiving all the credits you are entitled too? Being charged a 10% service fee?  We offer a policy that has a low deposit and no renewal deposits. Provides THE RIGHT COVERAGE if you operate out of state. (do you know NJ medical benefits are higher than New York’s?) Payrolls get classified correctly. Payroll caps get applied automatically. Simplified audits. No 10% service fees. Certificates issued within minutes.  Immediate phone, text and email replies.

7.  Property/Builders Risk – Need help in this area. We represent all the right carriers.

8.  Bid & Performance Bonds – We have a department set up specializing in this area. Need better pricing? Increased bonding limits? Better service? Give us a call and see how we can help.

9.  NYS Disability – Need a quicker turnaround getting certificates? Better claims paying? Have questions about paid family Leave Act? Try us.

10. Group Health – We have a benefits department that specializes in group health/drug/dental/life/other. Looking for better rates, coverage? How about dealing with someone who is an expert, can address your questions, who you can turn to when there’s a claim problem?  Try us if you are unhappy with your current situation.

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 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.

[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]

About BGES:
[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]
BGES Group’s officeis 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  & 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
e-mail: bgesgroup@gmail.com

(C) – Copyright – BGES Group

By implementing a program that offers a good incentive to return, you can reduce the risk of paying more benefits than necessary.

Recent research shows that employers lose about 80 million work days annually due to workplace injuries or illnesses. The number of employees who remain away from work more than seven days because of injuries or illnesses stretches into the millions.

This means that employers are left to deal with the high cost of workers’ compensation premiums, lost productivity and disability benefits. But, by creating a special incentive program, you can greatly reduce these costs.

Light duties 

When an injured worker is off work healing, a physician will regularly examine them. These exams will in part determine whether the worker is ready to return to their previous tasks.

In some cases, it may be possible to get the individual back to work sooner with light duties.

For example, consider a worker who is injured while lifting boxes in a warehouse. The attending physician will be examining the employee to determine whether he or she is ready to lift boxes again.

If the employee has a back injury, it could be several weeks before they can return to work.

But, if the employer offered the worker an easy temporary job in the office, they may be able to return much sooner. To make something like this happen, a light-duty program must be put in place. A solid program should have the following features:

• Addresses environmental, physical, knowledge and emotional factors that may prevent employees from returning to work.
• Makes the transition to full-time work easier.
• Focuses on employees’ abilities instead of their disabilities.

Light-duty programs improve employee morale by increasing incentives for returning to work and staying safe. For the employer they maintain productivity by lowering the number of lost work days.

These programs help speed up employees’ recovery processes. Recent research shows that 50% of workers who stay out of work for more than six months will never return to their jobs. If they stay out for more than one year, the likelihood of returning to work is about 10%.

Getting employees back to work as quickly as possible is the best way to bring about feelings of being part of the team. It also lessens the financial impact on the employee and their family.

The elements of a solid plan

To make sure a program is as comprehensive as possible, include the following elements:

• Performing meaningful tasks instead of simple busy work.
• Coordination with the doctor about work restrictions.
• Alternative work assignments that benefit the employer and employee.
• Descriptions of duties the injured employee must perform.
• Provisions for situations where employees may have to take additional medical leave time after returning to work.
• Stated conditions and time parameters for temporary assignments.

Benefits of return-to-work programs

• Making it easier to keep valuable employees, who are productive while recovering.
• Making communication happen between employees, employers and doctors, instead of between employees and their doctors.
• Making it difficult for employees to stay out of work longer than necessary.
• Reducing the need to recruit, hire and train new workers.
• Reducing the cost of workersí comp disability payments to injured workers.
• Showing your concern for the injured employeeís health.
• Reducing claims costs, which can help reduce your rates.

The takeaway

Workers’ compensation consumes a sizable portion of overall personnel costs. A solid return program can reduce those costs, including intangible ones, like the absence of an experienced worker. Also, it helps keep employees happy. To learn more about return-to-work programs, discuss the options with us.

[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]

About BGES:
[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]
BGES Group’s officeis 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  & 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
e-mail: bgesgroup@gmail.com

(C) – Copyright – BGES Group

One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities.

Let’s say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you still have the same insurance coverage as you did a decade ago, or even three years ago, the chances are high that you are underinsured.

To make sure you have all of your assets covered, you should review your business insurance program annually. Circumstances change, and without a yearly review, you could be faced with substantial expenses if you suffer a loss.

It’s common for small businesses to start out with basic insurances, such as commercial property and general liability policies. However, as they grow, most owners need other types of insurance, such as:

• Excess liability or umbrella – This covers claims exceeding your standard policy’s limits.

• Workers’ compensation – After your business hires its first employee, this type of insurance will be required in most states to provide payments for an employee’s lost wages and medical expenses following a workplace injury.

• Professional liability – This form of insurance covers your service-provided mistakes, and usually your attorney fees.

• Auto, hired and non-owned – This protects your business should an employee cause a vehicle accident in their personal or rented auto.

• Commercial auto – This provides coverage not under personal auto policies, such as to your business and for employees unloading and loading.

• Employment practices liability – Coverage for HR issues, such as those related to termination, harassment and discrimination laws.

• Directors and officers liability – Financial protection for directors and officers should they be sued for wrongful acts stemming from performance of their duties.

• Employee benefits liability – This insurance covers liability issues from an omission or error in the administration of an employee’s benefits that results in the employee incurring a cost, such as a terminated worker losing benefits after not being provided with COBRA information.

Depending on your business, many of these coverages may be essential to adequately protect your firm. An annual insurance review is an ideal time to discuss your needs with us.

Ensure the following elements are considered as you begin the review:

• Revenue – More business is good, but it also means a greater potential for liability. Have your annual sales changed?

• Property – Have you added equipment, computers and such that would create a need to increase your commercial property policy’s limits?

• Location – Your business owner’s or general liability policy could be affected if you’ve added, closed or moved locations.

• Travel – A hired and non-owned auto policy may be needed if your employees are frequently driving rented vehicles.

• Employees – Have you had an increase in your workforce, turnover rate, or use of contractors? Consider employment practices liability insurance for high turnover rates. The more employees you add, the more you’ll pay for your workers’ comp coverage.

• Services – Are you offering additional services? For certain types of work, you may need additional endorsements to your general liability policy.

• Customers – Are you serving new clients or industries? This may cause problems with your professional liability policy if you’re servicing high concentrations of high-risk clients/industries.

The takeaway

The answers for each of the above won’t remain the same over a business’s life, and that’s why insurance isn’t a one-size-fits-all, unchangeable product.

Annually review your business for exposures and insurance needs. Insurance may not cover everything, but it can certainly mitigate your risks.

[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]

About BGES:
[embedyt] https://www.youtube.com/watch?v=eWFmjYirlkw[/embedyt]
BGES Group’s officeis 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  & 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
e-mail: bgesgroup@gmail.com

(C) – Copyright – BGES Group