Much has been made of people’s identities being stolen through cyber attacks and other online means, but the majority of identity thefts are still being carried out the old-fashioned way by criminals finding documents bearing social security numbers and other personal information.

Identity theft is a growing problem with consumers reporting more than 490,000 incidents in 2015, up an astounding 47% from the year prior, according to the Federal Trade Commission.

Certainly, a good reason for this increase is online data theft, but a surprising number of Americans are still having their personal information stolen because of improper disposal of paper documents.

The best way to combat this kind of identity theft is by regularly shredding paper documents when it’s time to dispose of them. But what documents should you shred and which ones can you just toss in the recycling bin? Here are our tips:

Anything containing your social security number – This is the number one bit of data that identity thieves want to get a hold of. With your Social Security number they can open checking accounts and credit cards – and sometimes even take out loans.

Your social security number can be found on a number of documents, including:

• Pay stubs

• ax returns

• Medical bills

• Health insurance cards

• Loan statements

Bank and mortgage statements – First off, you should keep these statements for up to seven years for tax audit purposes. After that time, there is no need to keep them and you should dispose of them.

These documents should be shredded. While they sometimes may contain your social security number, they do contain your bank account statements and crafty scammers can produce bogus checks that they can use to cash checks from your accounts.

Utility and other bills – Utility bills may contain personally identifiable information. Experts recommend that you keep these bills no more than a year. To avoid having your data exposed, you should then shred them.

Anything with your signature – It’s highly recommended that you shred any documents that have your signature on them.

That’s because a clever criminal can learn to copy your signature, and combined with other personally identifiable information they get their hands on, they could open accounts in your name and do real damage to your credit.

Receipts – While you may want to keep some receipts for your tax records, any others you don’t need to shred and can toss into the recycling bin.

Credit card receipts don’t contain your entire credit card number, so you don’t run the risk of someone gaining access to your card should they come across these receipts.

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

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

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

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group

Many business owners don’t think twice when asking a worker to run to the office supply store, to the bank or run another errand for the company while on the clock.

But as soon as that employee enters their personal vehicle on a trip for your business, you automatically become vicariously liable for their actions.

Think it’s not a big deal? There have been cases when employers have been found liable and ordered to pay up to $25 million for crashes involving employees using their cell phones while driving, according to the National Safety Council.

That means if your employee is in an accident and injures a third party, damages another car or injures themselves, your firm could be held liable.

For injuries to only your employee, your workers’ compensation insurance would handle the costs, but for injuries to others and third party property, you are liable since they were carrying out duties for your firm.

The employee’s auto insurance will be primary, but the problem arises when the coverage is insufficient. The employer can then be sued by the third party.

With that in mind, you should do all you can to reduce your exposure by writing a policy for your driving employees. Some things you might want to consider in your policy include:

• A list of expectations you have of your driving workers.

• No talking on a cell phone or using any functions like apps and texting.

• Avoid other distractions by barring other activities while driving, like eating and drinking.

• Train workers in the safe operations of vehicles.

• Make sure that any employees who drive for you are properly licensed.

• Requiring that they take breaks on longer trips.

• Require that their driving record be monitored periodically.

• Spelling out that they must buy personal auto insurance with certain minimum limits. The insurance policy should not include a business exclusion.

Beside having a driving policy in place, you can also make sure to hire employees who are safe drivers by checking their driving records during the hiring process.

Also, make sure that your management is on board with the policy. That means that managers should avoid texting or calling employees while they are driving on company duty. That would clash with your policy on barring cell-phone use while driving.

Insurance

Finally, you should make sure that you have proper insurance in place in case calamity strikes. And unfortunately, some employees will inevitably slack in following even best laid out policies.

Commercial auto will cover all of your workers who drive company vehicles for collisions but it won’t cover employees if they are driving their own vehicles while on the job. Such vehicles are considered non-owned autos because they are not owned by the named insured.

Employees are not insureds while driving non-owned autos, even if they are using the vehicles on company business.

But if you do have workers who use their personal vehicles for work, like sales reps, you can purchase an endorsement for your commercial auto policy: Entitled Employees as Insureds. This endorsement covers employees who drive their personal vehicles on behalf of their employer.

But it provides excess coverage only, meaning that the employee’s personal auto policy will apply first if the worker is sued after an accident involving his or her personal auto. The endorsement would apply only if the employee’s personal policy limits are breached.

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

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

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

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

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group

Employees Driving on the Job in Own Cars are Your Liability

Workers in a number of construction occupations are exposed to crystalline silica. Breathing too much of this dangerous dust can lead to serious lung damage, resulting in long-term illness or even death.

Workers in cement, concrete or stucco operations, abrasive blasting, jack hammering, rock and well drilling, brick and block cutting, and tunneling operations are often exposed to crystalline silica. Any dust-producing operations should follow industry safety standards as well as OSHA regulations to protect workers.

Here’s where to start:

What happens when exposure occurs

When inhaled into the lungs, crystalline silica dust creates scarring or fibrotic nodules around the silica particles and may result in silicosis.

Silicosis may result in breathing difficulty, tuberculosis — and possibly death. Exposure ranges from cumulative (over many years of exposure) to acute (exposure to high concentrations of contaminated air in short periods).

Acute silicosis is identifiable by fever, shortness of breath, and cyanosis, or bluish-colored skin. Silicosis is incurable and may be progressive even after dust exposure has ceased.

Harmful silica particles, as small as 1/100th the size of a grain of sand, are impossible to detect by sight or smell. They can only be measured using air-sampling equipment. In comparison, a human hair is 70 microns, and the silica dust we are concerned with is as small as 10 microns.

Protections

There are a number of steps you can take to protect your workers. Most of these should be used in conjunction with each other:

• Engineering controls — mechanical ventilation for removal of contaminated air.

• Replace crystalline silica materials with safer substitutes whenever possible.

• Require workers to wear NIOSH-approved respirators.

• Practice wet-dust suppression measures like water sprays to wet the material so that it generates less dust.

• Isolation/enclosure/ventilation of dusty processes.

• Use handheld grinders with a shroud and vacuum.

• Use wet grinding/cutting methods.

• Wear aprons or coveralls and disposable clothing.

• Combine the use of more than one control measure.

• Conduct environmental monitoring.

• Educate and train workers and supervisors.

Good housekeeping is an essential part of workplace safety, and reducing exposure to silica dust is no exception. Consider employing the following housekeeping measures:

• Minimize your dry sweeping of the work area.

• Use vacuum cleaners to collect dust on a daily basis.

• Wet down the area prior to clean-up.

• Never use an air supply to blow dust off work clothing. Air pressure causes silica dust to become airborne.

• Remove dust-contaminated clothing at the worksite to minimize transportation and relocation of the dust.

Silica dust will have long-term effects on the health of your employees, so preventing exposure is an issue that requires significant attention. Be sure to minimize the possibility of exposure by following OSHA’S Respirable Crystalline Silica Standard for Construction and implementing robust protective measures.

Silica-containing material

The materials listed below contain silica which can be released through cutting, breaking and grinding, among other work:

• Asphalt

• Brick

• Cement

• Concrete

• Concrete block

• Drywall

• Fiber cement products

• Grout

• Gunite/Shotcrete

• Mortar

• Paints containing silica

• Plaster

• Refractory mortar/castables

• Refractory units

• Rock

• Roof tile (concrete)

• SandSoil (fill dirt and top soil)

• Stone (including granite, limestone, quartzite, sandstone, shale, slate, cultured)

• Stucco/EIFS

• Terrazzo

• Tile (clay and ceramic)

Additionally, under OSHA regulations, all employers whose workers encounter inhalable silica exposure should prepare the following documents:

• A written Silica Exposure Mitigation Plan.

• Documentation of compliance with Table 1 of the Silica standard.

• Documentation of regular exposure measurement.

• A hazard communication and training program.

OSHA has a handy guide for employers whose workers may be exposed to silica dust in the workplace. You can find it 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, Workers Compensation Insurance, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

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

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or non renewed; 4) Workers Compensation 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan.  We represent many and know who offers excellent service.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group

New York long ago adopted a scaffolding law designed to protect construction workers and others from certain unsafe work conditions, including those associated with scaffolding and construction.

The New York Scaffold Laws are important in a civil lawsuit because they impose strict liability on owners and contractors that fail to adhere to the law.

These statutes remove virtually all defenses owners and contractors otherwise have.  Instead, liability is based on a few questions, including:

• Was the construction project covered under these statutes?

• Did the owner or contractor fail to provide the scaffolding or other safety measures required by the statutes?

• Did an injury occur of the type that was designed to have been prevented?

When a violation of New York Labor Law by an employer results in an injury to an employee, the employer may be held absolutely liable for the damages caused. Absolute liability, also known as strict liability, means that the plaintiff/injured employee does not have to prove negligence on the part of the defendant Owner or General Contractor.

Judgments can range in the millions, tens of millions for a “Labor Law Claim.”  They can easily knock a contractor out of business.

Simply put, if an accident falls under “Labor Law 240 and 241” it’s not whether you are liable BUT HOW MUCH YOU WILL HAVE TO PAY!  That is why most insurance companies DO NOT want to insure New York contractors.

New York Contractors – Pay Attention To What We Now Have To Say

When purchasing Commercial General or Excess/Umbrella Liability policies, you want to make sure each policy covers “Labor Law Claims.”

Adding “Labor Law” coverage can double, triple, quadruple your policy cost!  Some New York contractors pay up to 30%+ of gross receipts JUST for these two policies!

Many New York City contractors purchase liability insurance from “Excess & Surplus Lines Carriers (SLC)” because no standard company is willing to insure them (because they would have to cover “Labor Law” claims and they DO NOT WANT TO).   “SLC” policies have lots of exclusions, warranties, restrictions and conditions.  You have to be very careful with their “fine print.” You may think you have coverage but you don’t!

Contractual Liability – Do you know if your policy covers the liability obligations you sign for with general contractor and building owners?  If you want a “Labor Law” claim covered, you better make sure.

Blanket Additional Insured Endorsement (BAI) – Many of you sign contracts with owners and general contractors that require 10 entities to be covered.  Most “BAI” endorsements ONLY cover the entity you have a written signed contract with.  The others entities ARE NOT COVERED!

Do you use subcontractors?  If yes, what does your liability policy say about covering them?  Some have strict “Hammer Clauses” written into them.  If you have not complied with every single requirement and your sub causes an accident, you will have no coverage.  It doesn’t matter you weren’t advised by your broker or no one stayed on top of you to make sure you obtained what was needed.  YOU WILL HAVE NO COVERAGE!

We Want To Make You an Offer You Shouldn’t Refuse!  It’s FREE and There are NO Gimmicks Attached – We are Very Sincere People:

BGES Group is a very well respected New York insurance agency that specializes insuring New York contractors.  We represent THE BEST programs and are “Construction Insurance Specialists.”

We have a network of insurance companies (50+) that combined with our leverage and the trust companies have for us, we can get things done that most other agencies cannot.

If you now have coverage for “Labor Law” but the cost is EXORBITANT, let us review what you have and see if we can get you the same if not better coverage for less money.  Again we represent programs a lot of brokers don’t and can work miracles.

Examples of How We Helped Contractors:

1. NYC contractor renewal umbrella annual premium $103,000, limit $3 million.  We found him a new company that offered annual premium $78,000, $5 million limit.  Coverage was much better too.

2. NYC restoration contractor Commercial General Liability Policy $265,000, our quote $165,000.  Our umbrella pricing $99,000, other brokers probably $140,000 or more.

3. Upstate demolition contractor paying $74,000 for their Commercial General Liability policy.  Our quote $40,000.  They were also paying over $50,000 for a $3 million Umbrella Liability Policy.  Our pricing, $23,000 for a $5 million Umbrella.  We got them better coverage too!

Here’s is What People Think About Us:

Sarah S.

Gary is a considerate and honest guy. I have nothing but respect for him and 5 stars isn’t enough.

Nick S.

Over 20 years of excellent relationship that has met all our insurance needs.

Steve S.

My previous Workers Comp insurer was always trying to reclassify employees to put them in higher risk groups to raise the premium (despite no claims in over 5 years). Broker at the time wasn’t helping. Gary was recommended by a friend and did a phenomenal job. Found new insurer for less money who then, a year later, further reduced premium after the audit! I’m now paying 40% less than I used to and only 1/4 of what my old insurer wanted to jack the rate to.

SANJA C.

Gary is a great, responsible, professional…someone you can rely on. I would highly recommend him.

George K.

Since I transferred my insurance policy to BGES Group I have saved a lot on the rates and service is a first class. Always get immediate response to all my needs. It’s a A Plus from me.

Elena E.

My broker, Gary Wallach, is the BEST!  He’s professional and a pleasure to deal with. Always has the answers for me and is quick to respond to my emails and phone calls. This is one reason I remain a loyal BGES Group customer. Good Rates on all my insurance needs too!

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

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

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

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or non renewed; 4) Workers Compensation 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan.  We represent many and know who offers excellent service.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group

Here’s What We Can Offer You:

1. Very competitive pricing.

2. Great programs including stand-a-lone workers’ compensation policies, payroll/workers’ compensation, Professional Employer Organization (PEO) and state and assigned risk plans.  Instead of driving yourself crazy scouring the internet, call Gary Wallach at 914-806-5853 and he will take this headache away from you.

3. Excellent coverage.  We can cover you in multiple states.

4. Plans where you don’t have to do an audit!   How would you like to get away from invasive, costly audits every year?  Probably save a few thousand in accountant fees.  We can set you up with such plans.

5. A Pay-as-You-Go Policy – Only $200 deposit required to bind coverage.  This is one of our plans.

6. We are encyclopedias of knowledge.  We know all areas of the workers’ compensation system including coverage, companies, pricing, billing and claims.  Whatever your concerns, we can help.

7. When you call we immediately answer.  You will not be placed on hold.  You will not be told we are away from our desk, in a meeting, out to lunch or on vacation.

8. Immediate issuance of “Certificate of Insurances.”  We have a set up where you can issue your own!

9.  We offer boutique service.  We treat everyone like $10 million dollar accounts.  You’ll deal with a sharp, pleasant, helpful, responsible, trustworthy person who when you call, HELPS!

10. In addition to construction, we have programs for the following industries too:

    1. Auto Services

    2. Construction – We have programs for Asbestos, Demolition and Roofing contractors too.

    3. Limousine Services

    4. Logistic companies

    5. Manufacturers

    6. Trucking

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.

Problems We Can Help You With:

1. Pricing.

2. Getting you a new company.

3. Getting you a new policy if you’re a new business or been without coverage for a while.

4. Getting you new coverage if you are being cancelled or non-renewed.

5. If you have poor loss experience we can find a new company who will insure you.

6. Feel you’ve overpaid on past policies?  We can help you get your money back.

7. Setting you up in a program that does not do invasive, annual audits.

8. If you operate in multiple states, we can get you a plan that covers your properly.  State plans may not.

9. Setting your policy up on a “Pay as You Go” basis.

10. Eliminating annual deposits.  We have a plan that requires just $200 to get started!

11. Looking for a payroll/workers compensation plan?  We represent several.

12. Whatever your problem, we can help!

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.

Here is What People Have To Say About Us:

Sarah S.

Gary is a considerate and honest guy. I have nothing but respect for him and 5 stars isn’t enough.

Nick S.

Over 20 years of excellent relationship that has met all our insurance needs.

Steve S.

My previous Workers Comp insurer was always trying to reclassify employees to put them in higher risk groups to raise the premium (despite no claims in over 5 years). Broker at the time wasn’t helping. Gary was recommended by a friend and did a phenomenal job. Found new insurer for less money who then, a year later, further reduced premium after the audit! I’m now paying 40% less than I used to and only 1/4 of what my old insurer wanted to jack the rate to.

SANJA C.

Gary is a great, responsible, professional…someone you can rely on. I would highly recommend him.

George K.

Since I transferred my insurance policy to BGES Group I have saved a lot on the rates and service is a first class. Always get immediate response to all my needs. It’s a A Plus from me.

Elena E.

My broker, Gary Wallach, is the BEST!  He’s professional and a pleasure to deal with. Always has the answers for me and is quick to respond to my emails and phone calls. This is one reason I remain a loyal BGES Group customer. Good Rates on all my insurance needs too!

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

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

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

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan.  We represent many and know who offers excellent service.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group

Sick & Tired of:

1. Not being able to get your broker on the phone when you call?

2. Waiting hours or days to get a response back to emails or texts?

3. Dealing with a broker who sells liability policies with tons of exclusions and doesn’t really understand what they are selling you?

4. Dealing with a broker who low balls your liability payroll and sales figures to keep your account? Basically a broker you can’t trust?

5. Dealing with a broker who on renewal never shops your account?

6. Being charged per policy $1,000 to $5,000+ fees?  Realize your broker gets paid a commission from your insurance companies.  The fees some brokers charge are just beyond greedy!

7. Being charged up to a 10% service fee on your Workers’ Compensation policy?

8. Dealing with a broker who is moody, rude, thinks they’re doing you a favor?

9. Waiting hours or days for certificates of insurance?

10. Never hearing from your broker?

Would You Like To Deal with a Broker Who:

1. ALWAYS answers the phone when you call?

2. You never have to wait for anything?

3. Represent the all the best contractor programs in New York State?

4. Does not play games to get your account?

5. Who is a straight shooter?  Honest?  Trustworthy?  Who you can always rely on?

6. Doesn’t charge ridiculous policy fees?

7. Who is always in a good mood, helpful, respectful and available Monday thru Sunday?

8. Who issues certificates in minutes?

9. Who when you need them is always there for you?

10. Who can get the job done for you?

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.

Here’s What 5 People Have to Say About Us:

V. Jakupi

Best Insurance Broker you can get period!  In the middle of the busy season we received a letter from our old carrier that they no longer service NY, only NJ. We had only 60 days to find a new company. We got in touch with Gary who is very knowledgeable, friendly and experienced, assured us that he will take care of our insurance and he did. It has been now more than 5 years without an issue. Glad we found them and looking forward continuing working with Gary and the group.

E Ezhova

My broker, Gary Wallach, is the BEST!  He’s professional and a pleasure to deal with. Always has the answers for me and is quick to respond to my emails and phone calls. This is one reason I remain a loyal BGES Group customer. Good Rates on all my insurance needs too!

R Lodato

Gary was very Helpful and Fast. He listened to my complicated insurance problem tried to solve it from different approaches before finding the best course of action for me. He selflessly spent a lot of time making sure that leaving the State Insurance Fund was definitely necessary before using his services. I am 100% happy with his services. I can’t recommend him highly enough.

E. Zaretsky

We have used BGES Group for our insurances for over 20 years and had an amazing relationship with Gary Wallach. Gary is always looking for the lowest cost insurance, the highest quality, and his speed at providing certificates cannot be matched by anyone.

WP Blue

We have been using Gary and his services for over 10 years now. He is absolutely amazing. Always right on top of things. Answers you back quickly and helps you through all your issues! Gets you certificates of insurances within the hour. We can’t recommend him enough!

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

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

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

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group

You may not think that as a tax preparer you need a great deal of insurance coverage. However, if you make a mistake that costs a client dearly with the IRS, you could be sued. And without proper insurance coverage you could be forced to pay for legal fees and any resulting settlements or court orders out of pocket.

If you currently carry a business owner’s or property insurance policy, the liability portion of those policies will not cover you for mistakes you make in rendering your professional service.

That’s why tax preparer’s professional liability insurance should be a cornerstone of your business insurance portfolio, whether you work from an office or out of your home.

Mistakes: Your biggest risk

As a tax preparer you need to stay on top of your game. Your clients are paying you for your expertise and trust that you keep up with changing federal and state tax laws and adjust their taxes so that they legally reduce their tax burden and avoid being audited.

The number of audits by the IRS has been rising and thousands of tax preparers are sued every year over alleged mistakes or negligence.

Regardless of whether you’re at fault, the cost of even defending against a lawsuit could result in you having to close your business or digging a deep hole for yourself financially.

Without professional liability insurance, you could be forced to sell off your personal assets to repay your client. You’d also have to pay for your own defense and any costs associated with a judgment against you.

The most significant risk a tax preparer faces is being sued for errors or negligence. These professional liability policies are also called errors and omissions (E&O) insurance and they will cover your costs if you are sued, including legal fees, court fees, settlements or court-ordered damages.

Most commonly, a professional liability policy would be triggered if a client sues you if your mistakes resulted in them:

• Being audited by the IRS, and

• Being forced to pay interest and penalties by the IRS.

Who needs coverage?

You should secure tax preparer’s professional liability insurance if:

• Your clients require it as a condition of doing business with you.

• A professional association you belong to requires it as a condition of membership.

• You provide advice or services that could result in a lawsuit or financial loss for your client due to any alleged error, omission or wrongdoing on your part.

• You have personal assets that could be jeopardized if a client sued you.

The cost

E&O insurance for tax preparers is extremely reasonable, ranging from $25 to $30 a month for a policy with a $500 deductible.

That’s an average and the premium will depend on the size of your business, the types of work you take on (if you take on more large clients, the premium will be higher than if you work with individuals or small businesses).

Other insurance

If you operate out of an office where clients visit you, you should also have in place a business owner’s policy, which will cover any third parties that are injured on your premises. Also, this policy covers damage to your property from a covered event like a fire and theft.

However, if you work from a home office and don’t have customers coming to you for meetings, you may just need home office insurance to cover your business equipment. These policies are usually sold as a rider to your homeowner’s policy.

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

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

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

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

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group

Every year, OSHA cites thousands of companies for violating workplace safety regulations, but there are some standards that are cited much more than others. To educate employers on workplace dangers, the industrial safety agency publishes a list of its top 10 most-cited violations.

OSHA recently released its most frequently cited workplace violations for the year ended Sept. 30, and once again violations for failing to follow fall protection standards for employees working at heights was the number-one transgression, for the 12th year in a row.

All of the violations on this year’s list also were on the previous year’s list, although there was a good deal of shifting up or down the rankings. This year’s top OSHA violations were cited as follows:

1. Fall Protection — General Requirements — 5,260 violations (1^st place in 2021)

This sweeping standard addresses the protection of employees working at heights and facing a risk of falling. This can include violations for ladder safety, guardrails, safety nets or personal fall-arrest systems.

2. Hazard Communication — 2,424 violations (5^th place in 2021)

The OSHA Hazard Communication Standard is designed to ensure chemical safety in the workplace. The standard requires workplaces to provide written information about the identities and hazards associated with the chemicals that must be available and understandable to workers.

3. Respiratory Protection — 2,185 violations (2^nd place in 2021)

This standard applies to all occupational airborne exposures to contaminated air when the employee is exposed to a hazardous level of an airborne contaminant. It sets out when employers must require workers to wear a respirator, or be permitted to wear one.

Employers must provide evidence of adequate ventilation and attempts to substitute less hazardous materials in order to decrease employee risk.

4. Ladders — 2,143 violations (3^rd place in 2021)

This expansive standard covers ladder safety in various types of environments and different types of ladders in the workplace, including distances between rungs and angles when leaning them against walls.

Ladders in fixed positions must also meet OSHA load-bearing requirements. When ladders are in use, their steps must be parallel and level.

5. Scaffolding — 2,058 violations (4^th place in 2021)

The standard requires employers to protect each employee on a scaffold more than 10 feet above a lower level from falling to that lower level.

It addresses a number of safety issues for scaffolding, including:

• Fall protection

• Guardrail height

• Cross bracing

• Midrails

• Footings

• Platforms

• Guying ties and braces

• Capacity

• Training

• Inspections.

6. Lockout/Tagout — 1,977 violations (6^th place in 2021)

This standard focuses on preventing the accidental startup of machinery while it’s turned off and being serviced. All machinery must be shut down, locked out and have a tag attached warning others not to turn the machine on, when maintenance and repairs are being conducted.

Workers must be trained in lockout/tagout procedures to reduce the risk of injury.

7. Powered Industrial Trucks — 1,749 violations (9^th place in 2021)

This standard involves posted safety requirements for the use of forklifts, motorized hand trucks and other lift trucks by employees. These vehicles’ standard operation and maintenance must meet OSHA standards for safe usage. Modifications to these vehicles must conform to OSHA safety regulations.

8. Fall Protection — Training Requirements — 1,556 violations (7^th place in 2021)

This standard requires employers to deliver and document safety rules regarding fall prevention to employees.

Employers are also required to hold regular training sessions, and all concerned employees must complete these training sessions on at least an annual basis.

9. Personal Protective and Lifesaving Equipment — Eye and Face Protection</b> — 1,401 violations (8^th place in 2021)

This standard requires that employers furnish and employees wear eye and face protection when engaged in activities that could cause injury to the face or eyes from flying debris, particles, etc.

10. Machine Guarding — 1,370 violations (10^th place in 2021)

This standard requires employers to install guards or shields on machines whose parts or debris can cause injuries to the operator or other nearby employees.

It also requires protection from flying sparks, chips or rotating parts. Eye protection devices must feature detachable side protection. Training for the use of these protectors must be done before employees use any machine that requires such protectors.

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

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

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

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan.  We represent many and know who offers excellent service.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group

Many contractors sub work to other contractors and believe they have coverage under their own General & Umbrella Liability policies.  But do they?

It’s important to understand what your insurance policies require in order to afford coverage for claims caused by subcontractors.  You can’t plead ignorance at time of claim, insurance companies WILL NOT PAY!

Most contractors rely on their insurance brokers to make sure they’re covered.  The reality is many brokers, once they sell their policies, do not stay on top of client’s to make sure they have the proper paperwork from each sub.  They do not have the time to do so.  There is a way though to get this done, not by you, but by farming it out to someone like my company. Interested, call Gary Wallach at 914-806-5853.

NEW YORK CONTRACTORS:

If you are a New York contractor, your Commercial General Liability and Commercial Umbrella &/or Excess Liability policies usually have very strict requirements if they are to cover subcontractor accidents.  Failure to be in FULL COMPLIANCE WILL result in declination of a claim.

Many contractors have their liability policies with “Surplus & Excess Lines Carriers.”  Most policies have “Hammer Clauses” as part of the contract. Want to be covered in the event of a subcontractors accident?  It is CRITICAL you understand what’s in your policy regarding subcontractors insurance requirements.

In simple terms, “Hammer Clauses” require you to get, before work starts, the following:

1. A written, signed and dated “Subcontractor Hold Harmless and Insurance Agreement” incorporating a hold harmless provision and outlining the coverages and limits required of subs.  CONTRACTOR BEWARE!  Due to the cost of New York contractor liability insurance, a large percentage of subs carry inferior coverage and are NOT in compliance with YOUR insurance requirements.  In the event of a claim, YOU WILL NOT HAVE COVERAGE UNDER YOUR POLICY FOR ACCIDENTS CAUSED BY SUBS!

2. Obtain a “Certificates of Insurance” from each subcontractor including:

   1. Your company being listed as an “Additional Insured.”

   2. Their being a “Waiver of Subrogation” in favor of your company.

   3. Your sub evidencing “Primary and Non Contributory Clause” in their policy.

   4. Specific coverages subs need to carry: i.e. “Contractual Liability,” “Labor Law Coverage, etc.

Addressing the above seems easy but it’s not.  Contractors don’t understand the technicalities of insurance.  They are in the business of building.  The reality, most are not in compliance with their policy requirements and better hope they never have a claim because they if they do, they’ll probably get knocked out of business!

If you are concerned about having the right coverage for subcontractors, we will be glad to review your policies for FREE.  If you need a sample “Hold Harmless and Insurance Agreement,” we can give you one for FREE!  Of course we are not lawyers so it will have to be reviewed by your attorney.  We are glad to give it to you though.

So Who Are We?  About The BGES Group:

1. We are one of tri-state’s (located in Westchester County, NY so New York contractors are our main clients) “Construction Insurance Specialists.”

2. We offer “REALLY GOOD” construction insurance programs. Our pricing is VERY COMPETITIVE and we offer REALLY GOOD POLICIES TOO!

3. We can save you a lot of money. We just saved a NYC contractor $100,000 on their GL & Umbrella premium; A Queens contractor had a $3 million Umbrella, paying $103,000.  We reduced premium to $78,000 and increased limit to $5 million; Upstate demolition contractor was paying $50,000+ for a $3 million Umbrella, we got them a $5 million Umbrella for $23,000.

4. We offer boutique service. You WILL ALWAYS get us when you need us.

5. We get the job done that others can’t.

6. We have great relationships with insurance companies so we can get things done that a lot of brokers can’t!

7. Every year we review your account and if we feel we can get you better coverage or pricing we market your account and DO NOT just let it renew with the same companies, year in, year out.

8. We are very trustworthy

9. We are very reliable

10. You want to work with someone whose always helpful and there for YOU? Who are some of the most reliable people you’ll ever want to deal with? Who when they say something they do what they say?

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.

Here’s What People Have to Say About Us:

Sarah S.

Gary is a considerate and honest guy. I have nothing but respect for him and 5 stars isn’t enough.

Nick S.

Over 20 years of excellent relationship that has met all our insurance needs.

Steve S.

My previous Workers Comp insurer was always trying to reclassify employees to put them in higher risk groups to raise the premium (despite no claims in over 5 years). Broker at the time wasn’t helping. Gary was recommended by a friend and did a phenomenal job. Found new insurer for less money who then, a year later, further reduced premium after the audit! I’m now paying 40% less than I used to and only 1/4 of what my old insurer wanted to jack the rate to.

SANJA C.

Gary is a great, responsible, professional…someone you can rely on. I would highly recommend him.

George K.

Since I transferred my insurance policy to BGES Group I have saved a lot on the rates and service is a first class. Always get immediate response to all my needs. It’s a A Plus from me.

Elena E.

My broker, Gary Wallach, is the BEST!  He’s professional and a pleasure to deal with. Always has the answers for me and is quick to respond to my emails and phone calls. This is one reason I remain a loyal BGES Group customer. Good Rates on all my insurance needs too!

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

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

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

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or non renewed; 4) Workers Compensation 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan.  We represent many and know who offers excellent service.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group

The U.S. Equal Employment Opportunity Commission has released a new poster that certain employers need to display in their workplaces.

The poster, “Know Your Rights,” must be displayed by all employers who have 15 or more workers. It replaces the “EEO is the law” poster.

Why the update?

The EEOC said it had to update and modernize the old poster, adding clarification to some items and including a QR code that links to instructions for filing a discrimination charge on the agency’s website.

The EEOC said that the new poster simplifies the employer’s obligations and employees’ rights under federal EEO law.

The poster also clarifies the following:

• That harassment is a prohibited form of discrimination;

• That sex discrimination includes discrimination based on pregnancy, sexual orientation and gender identity; and

• Regarding restrictions applicable to federal contractors and subcontractors, including non-discrimination for asking about, disclosing or discussing their compensation or the compensation of others, affirmative action obligations, and non-discrimination based on race, color, religion, gender, sexual orientation, gender identity, disability, and veteran status.

Displaying the poster

The EEOC issued the new poster on Oct. 19 and employers who are subject to the law should start displaying it as soon as is practicable. You can download various forms of the poster here.

These posters should be placed in a conspicuous location in the workplace where other required notices to applicants and employees are customarily posted. That should be a high-traffic area for employees, such as in a breakroom or near a time clock.

The EEOC encourages employers to also post the notice digitally, perhaps on the employee section of their websites. For some companies that do not have a physical location or who have staff that exclusively work remotely, posting digitally may be the only option.

The poster summarizes federal laws prohibiting job discrimination based on:

• Race

• Color

• Sex (including pregnancy and related conditions, sexual orientation, or gender identity)

• National origin

• Religion

• Age (40 and older)

• Equal pay

• Disability

• Genetic information (including family medical history or genetic tests or services).

The poster also explains how an employee or job applicant can file a complaint if they believe they have been discriminated against. It includes a QR code they can scan and that will link their smartphone to the complaint web page.

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

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

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

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you money; 2) Finding a new company; 3) Replacing coverage when you are being cancelled or 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 a few 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 when you need to; 13. Finding you a new payroll/workers compensation plan.  We represent many and know who offers excellent service.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2022 – BGES Group