workers comp insurance

NY, NJ, CT Contractors – Looking for a Top Notch Workers Compensation & General Liability Program? Read On->

Contractor Worker’s Compensation Program

Why You Should Get a Quote:

1.Pricing – Rates can be up to 40% less than what you now pay. Paying a 10% service fee?  We DO NOT charge any service fee.                                                    

2. Coverage – Better protection built into our program.  For example, if you operate weeks at a time out of state, we can cover you according to that state’s workers compensation laws.  State plans usually do not cover if you work out of state weeks at a time and if claim is filed out of state.For example, let’s say medical costs are $55,000 for a particular injury in
New York.  In New Jersey, for the same injury, medical costs are $125,000. Under our program you will be fully protected.   
3. Long Term Coverage Stability – Our program has been providing Workers Compensation for contractors for 23 years.  You can have coverage stability being in it!  
4. Who Can We Cover – We can cover almost any contractor except asbestos or those that work at heights (exterior) in excess of 3 stories unless work is 5% or less of what you do.  We love roofers, exterior contractors that work up to 3 stories, interior demolition contractors too!             

5. Pay as You Go – Your premium payment is based on your last month’s payrolls.  During slow times when cash flow is slow you will pay less.                  
6. Audits – Our auditors are friendly, accommodating and very helpful.  They are usually in and out in 30 minutes.  In those states that do not mandate audits, you may not be audited for years.                                                

7. Deposit Premium – 10% needed to bind coverage.  No renewal deposits required.                                                                                                     

8. Payroll Caps – We will keep track of all payroll caps so you pay no more than you should.                                                                                                 

9. Proper Payroll Classifications – Upfront your payrolls will be classified correctly.  We give you back control over this.  Every week, so you don’t overpay, your payrolls will be assigned to the proper workers comp codes and you will pay what you should, no more.                                                     
10. NYCPAP Credit – Every year we will apply for credit on your behalf.                              
11. Claims – Our claims department is one of the best in the country.  If you tell us a claim is suspicious we will investigate and fight back.  This is an area we excel in.  We want to protect your claims history so we can give you excellent pricing.                                                                                                   
12. Customer Service – You will always be able to get us on the phone within seconds.  You can do your own certificates or we can do them for you.  Either way certificate turnaround is usually minutes.  Whatever you need you never have to wait for help!                                                                      
13. Payroll Processing – We can process your payroll including:

File NYS-45’s
File 941’s
Pay your payroll taxes
Direct deposit
Issue certified payroll reports
Do employee background checks
Comply with all OSHA paperwork requirements
Help you with employee drug screening
Our program was designed for contractors                                                           

To Speak With Us Call 914-806-5853, click here to email or click here to visit our website.

Contractor Liability Programs

How We Can Help You: 

1)    Make sure you have “The Right Coverage” by analyzing your needs then coverage.  There are a lot of exclusions in policies.  DO NOT wait for a claim before learning you have the wrong coverage.  For FREE, have your needs analyzed by a team of “TOP NOTCH EXPERTS!”                                                                                                                                                                2)    There are a lot of insurance companies on “Black Lists.”  Typically these companies have exclusions that are not acceptable and prevent you from working with new customers.  Our companies are NOT blacklisted.   
3)    We have a network of fifty (50), quality, N.Y., N.J., C.T. construction insurance companies.  Depending on what you do, we will market your account to these companies and get you “The Right or Better Coverage” at “The Best Rates” these companies offer.  We can help you better your situation.                                                                                                             

4)    Help screen customer contracts so you are in compliance with their insurance requirements.  A lot of your customers have risk advisers that screen their contractor insurance policies.  We can help you deal with them.                                                                                                                                                         
5)    Have a written safety manual?  We can help put one together for you.                                 

6)    Are you screening your subcontractor’s coverage?  A lot of liability policies have strict subcontractor insurance requirements.  If there’s a claim, and your subs have the wrong insurance, you will have NO  coverage.  We can help you screen your subs insurance.                              
7)    Using a good subcontractor hold harmless and insurance agreement?  This is very important because when marketing your account insurance companies want to see proper risk transfer mechanisms in place.  We can help you put one together.                               

8)    We can help you with OSHA compliance, employee background screening, stewardship reports, coordinated loss control survey and inspections, claims management services and disaster recovery.                             

 9)    Deal with a broker who has 38 years experience.  Who when you call answers their phone.  Who when you email emails you right back.  Who when you text texts you right back.  Who when you have a problem is within seconds there to help you.  We are old school.  Offer boutique service.  Every day we deal with contractors, their issues, solving their issues.  We represent “The Top” construction insurance  programs in the tri-state area.  Have a great reputation.  We are NOT insurance generalists.  We are construction EXPERTS.  If you are unhappy with what have contact us today!  914-806-5853  Email: Click here.                                                                                      

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s Compensation, N.Y.S. Disability, Group Health, Life insurance and Personal lines.   

BGES Group are Worker’s Compensation Specialists (NY, NJ, CT) helping contractors, limousine services, auto service, local truckers, manufacturers, real estate companies and staffing agencies (we can help any business).  Workers Compensation issues we address:  1) Lowering rates – our specialty programs have been able to save businesses up to 40%; 2) Unhappy with your company’s service, are they difficult to work with?  3) Being non-renewed? 4) Audit disputes; 5) Lowering high experience modifications factors; 6) Misclassification of payrolls; 7) Lowering or eliminating renewal deposits; 8) Getting coverage when you’ve been without for months; 9) Covering multiple states under one policy; 10) Eliminating 10% service or policy fees; 11) Timely issuance of certificates; 12) Always being able to get someone on the phone or by email when you need to. 

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

New Jersey and Connecticut Contractors:  We have a fiercely competitively priced (savings up to 50%)  General Liability, Umbrella Liability, Business Auto, Workers Compensation program.  Want to lower these costs?  Get a quote today!     

To Speak With Us Call 914-806-5853, click here to email or click here to visit our website. or http://www.workerscomp.storeCompany: 
BGES Group, 216A Larchmont Acres West, Larchmont, NY  10538e-mail: 
(C) – Copyright – BGES Group 
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