If you’re a business owner in New York, New Jersey, or Connecticut, you already know how expensive workers compensation insurance can be. Between rising premium rates, strict underwriting guidelines, and additional administrative headaches like payroll processing and employee benefits, it’s tough to stay ahead. What if you could bundle those services together, simplify operations, and save up to 30% in the process?
At BGES Group, we specialize in helping Tri-State business owners like you reduce expenses and improve efficiency with a unique program that combines payroll services, workers compensation insurance, and even group health insurance options. It’s a proven way to lower insurance premiums while streamlining your back-office operations — and best of all, it’s designed specifically for small to mid-sized businesses in industries where traditional insurance policies are either too costly or hard to secure.
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10 Ways Our Program Can Help Business Owners
Wondering how this all-in-one solution can benefit your business? Here are 10 practical, impactful ways our program works to your advantage:
1️⃣ Lower Workers Compensation Premiums
Our program can immediately reduce your workers compensation insurance premiums by up to 30%. By integrating payroll and insurance services under one system, we help cut unnecessary fees, surcharges, and administrative expenses — delivering instant savings.
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2️⃣ Pay-As-You-Go Payment Structure
Say goodbye to large upfront premium deposits. Our pay-as-you-go system calculates your workers compensation insurance cost based on actual payroll each pay period. This keeps cash flow steady and eliminates costly year-end audits and surprise bills.
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3️⃣ Access to Top-Tier Group Health Insurance Plans
In addition to workers compensation insurance coverage, we can also give your business access to affordable group health insurance options. Better benefits mean happier, healthier employees — and an edge when it comes to recruiting and retaining talent.
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4️⃣ Full Payroll Administration Included
No need to manage payroll separately. Our service includes comprehensive payroll processing with direct deposit, tax filings, and wage reporting — all integrated with your workers comp insurance policy for complete simplicity.
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5️⃣ Risk Management Support
We offer professional safety consulting and risk management services to help you minimize workplace injuries and claims. Fewer claims mean lower long-term workers comp rates, creating ongoing savings for your business.
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6️⃣ No Large Audits or Retroactive Premiums
Since your insurance premium is calculated on real-time payroll data, there’s no need for big, stressful audits at the end of the policy term. You’ll avoid unexpected retroactive adjustments and maintain accurate, predictable costs.
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7️⃣ Access to a Nationwide Network of Providers
While we specialize in the Tri-State area, our program gives you access to a national network of workers’ compensation carriers, healthcare plans, and payroll services. This means better pricing, better service, and a broader range of options tailored to your business’s unique needs.
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8️⃣ Simplified Compliance and Reporting
Navigating ever-changing state and federal labor laws can be daunting. Our team keeps your business compliant with workers’ compensation regulations, tax filings, OSHA reporting, and more — reducing legal risks and penalties.
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9️⃣ Streamlined Claims Management
In the unfortunate event of a workplace injury, our claims specialists work directly with injured employees, medical providers, and insurance carriers to expedite care and claims resolution. This keeps your business running smoothly and minimizes time-consuming claims management.
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🔟 Improved Employee Satisfaction and Retention
Employees appreciate timely paychecks, good health benefits, and a safe working environment. By offering a professional, well-managed back-office support system, you’ll improve morale, reduce turnover, and boost productivity.
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Types of Businesses That Benefit Most
We’ve helped countless Tri-State area businesses save time and money with this program — especially those in industries like:
• Construction & contracting
• Manufacturing & distribution
• Transportation & logistics
• Hospitality & food service
• Healthcare & home health services
• Staffing & temporary employment services
If you’ve ever struggled to find affordable workers compensation insurance for high-risk businesses, or been frustrated by high deposits and complicated audits, this program could be exactly what you need.
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Who We Are: BGES Group
At BGES Group, we’re not your typical insurance agency. We’re a specialized brokerage dedicated to helping small and mid-sized businesses in New York, New Jersey, and Connecticut access quality, affordable workers compensation coverage. With over 30 years of experience in the industry, we know the ins and outs of this market — and how to get our clients the best possible deals.
We work with contractors, property managers, healthcare providers, manufacturers, and dozens of other industries where finding reliable, reasonably-priced workers compensation insurance policies can be a challenge.
What sets us apart is our hands-on, concierge-level service. We don’t just quote you a price and disappear. We stay involved, offering ongoing support, policy management, claims assistance, and risk control advice throughout the life of your policy.
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Get in Touch Today
Ready to cut your business insurance expenses by up to 30% while simplifying your operations? Let’s have a conversation.
Contact Gary Wallach at:
BGES Group
📞 914-806-5853 – Gary Wallach
We’ll provide a free, no-obligation review of your current workers compensation insurance policy, show you where you could save, and introduce you to a smarter way of managing your business.
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Final Thoughts
In today’s competitive environment, every dollar counts — and every minute saved from administrative headaches is one you can put back into growing your business. Don’t let high workers compensation insurance rates and complicated back-office processes drain your resources. Take advantage of this innovative program to lower costs, streamline operations, and offer better benefits to your employees.
BGES Group is ready to help you find a smarter, simpler, and more affordable way to run your business. Contact us today and discover what we can do for you.