If you’re like many business owners in New York, New Jersey, or Connecticut, you may be feeling the frustration of rising workers’ compensation costs, never-ending audits, unresponsive brokers, or insurance companies canceling your policy at the worst possible time. But here’s the good news: you don’t have to put up with it anymore.
At BGES Group, we specialize in solving workers’ compensation headaches—and saving businesses like yours up to 30% in the process.
Why Are So Many Businesses Struggling with Workers’ Comp?
The workers’ compensation landscape in New York and surrounding states has undergone significant changes in recent years, and 2025 brought even more disruption. One of the largest insurance companies, once aggressively insuring contractors, has started non-renewing all contractor accounts. That’s left many businesses scrambling for new coverage, with few clear answers and even fewer affordable options.
In addition, Experience Modification Factors (Mods) are changing rapidly, impacting premium calculations. Businesses with poor loss histories are being penalized harshly, sometimes with little to no explanation.
This shifting landscape demands not only awareness but action. That’s where Gary Wallach—one of New York’s most respected Workers’ Compensation Specialists—comes in.
How BGES Group Turns Problems Into Solutions
We’re not your average insurance broker. We’re Workers’ Compensation Specialists, dedicated solely to solving comp-related issues and reducing the financial strain they put on your business. We understand the rules inside and out—and we use them to your advantage.
Here’s how we help:
1. Hard-to-Insure Businesses? No Problem.
If your business operates in a high-risk category—like construction, roofing, trucking, or manufacturing—it may be hard to find coverage. That’s where our network shines. We have access to over 20 carriers, including some that specialize in high-risk accounts or those with poor loss histories.
Even if you’ve had over $1 million in claims, we’ve helped clients secure lower rates than what they were paying before.
2. Audit Disputes and Documentation Nightmares
Many businesses feel blindsided when their insurer hands them a huge audit bill based on questionable payroll classifications or “ghost” employees. We can help:
- Challenge and correct audit errors.
- Switch you to a new carrier if needed.
- Find options that eliminate the need for annual audits or simplify the process significantly.
3. Sick of Renewal Deposits and Fixed Monthly Premiums?
We get it—paying hefty deposits every year and flat premiums regardless of payroll fluctuations can destroy your cash flow. BGES Group offers programs that:
- Require no renewal deposits.
- Let you report payroll monthly, so you only pay for what you use.
4. High Mods? We Can Offset That
A high Experience Modification Factor can jack up your rates and scare off insurers. But with our specialty programs, we can offset a high mod with credits, giving you more affordable options despite a tough loss history.
5. Misclassified Payroll? We’ll Get it Fixed
One of the most common—and costly—mistakes insurers make is misclassifying payroll into the wrong class codes. We know the codes inside and out and can push your carrier to reclassify properly, potentially saving you thousands.
6. Hate Your Payroll Company’s Comp Program?
You’re not alone. Many payroll companies bundle workers’ comp with their services, locking clients into overpriced and underperforming plans. We can offer you:
- Up to 20 program options.
- Lower processing fees.
- Significantly better comp rates.
7. No More $1,000+ Broker Fees
Too many brokers charge hefty policy fees ($1,000–$2,500 or more) or 10% service fees—and then disappear when you need them. At BGES Group:
- No policy or service fees.
- “First-class service” 7 days a week.
- We handle your headaches so you don’t have to.
What Makes BGES Group Different?
Unlike general insurance brokers, we focus exclusively on Workers’ Compensation for businesses in New York, New Jersey, and Connecticut. That means we’re not distracted by health plans, auto policies, or homeowners’ insurance. This is all we do—and we do it better than anyone else.
Here’s What We Can Help You With:
- Lowering pricing (up to 40% savings possible).
- Finding a new insurance company, even if you’ve been cancelled.
- Replacing canceled or non-renewed policies—often in 1–2 days.
- Resolving audit disputes and carrier errors.
- Stopping fictitious payroll reporting at audit time.
- Fixing high experience modification factors.
- Correcting payroll misclassifications.
- Eliminating annual deposits.
- Getting coverage even after a lapse.
- Insuring multiple states under one policy.
- Eliminating policy and service fees.
- Timely and reliable certificate issuance.
- 24/7 phone and email access to a real person.
Why You Should Call Today
The longer you wait, the more expensive and complicated your workers’ comp situation can become. Whether you’re getting canceled, paying too much, or simply tired of being ignored by your current broker, it costs you nothing to speak with us—and it could save you a lot.
Call Gary Wallach at 914-806-5853, any day of the week, and let us show you what’s possible.
Or visit us online at www.bgesgroup.com or email bgesgroup@gmail.com.
Company Information:
BGES Group
216A Larchmont Acres West
Larchmont, NY 10538
Phone: 914-806-5853
Email: bgesgroup@gmail.com
Website: www.bgesgroup.com
Don’t Let Workers’ Comp Control You—Take Control Today with BGES Group.
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