If you’re unhappy with your workers’ compensation pricing, audit results, broker’s service, or overall experience, you’re not alone. Many businesses face these frustrations, especially in high-risk industries or in regions where workers’ compensation challenges are mounting. The good news? There’s a solution.
At BGES Group, we’re proud to be one of the Tri-State area’s leading Workers’ Compensation Specialists. Think of us as your encyclopedia for navigating the complex workers’ compensation system. With years of expertise, we know how to leverage every rule to your advantage—often saving clients up to 20% or more.
2025 will bring significant changes to New York’s workers’ compensation marketplace, and it’s critical for business owners to stay ahead. One major carrier that aggressively pursued contractors in recent years is now non-renewing all its contractor accounts. Additionally, Experience Modification Factors (EMRs) are shifting dramatically, which could significantly impact your rates.
If you’re unsure how these changes affect your business, it’s time to speak with Gary Wallach, one of New York’s top workers’ compensation specialists. Gary and the BGES Group team can educate you, develop a tailored strategy, and provide a Plan B to ensure your business is protected. Reach out today at 914-806-5853—we’re available seven days a week.
Common Workers’ Compensation Challenges We Solve
BGES Group has a proven track record of addressing the most complex workers’ compensation issues. Here are the key challenges we handle and how we can help:
1. High-Risk Business Categories
If your business falls into a high-risk category—such as construction, demolition, or trucking—you might struggle to find affordable coverage. We have access to up to 20 carriers, including those willing to work with companies facing poor loss histories or higher risks.
2. Audit Disputes
Frustrated with audit errors? We help resolve disputes with your current carrier or assist in finding a new one to escape a bad situation.
3. Avoiding Annual Audits
In some cases, we can place you with a carrier that minimizes or eliminates the need for annual audits, depending on your location and policy.
4. Poor Loss Experience
High claims can scare off many carriers, but not us. For example, two of our clients—each with over $1 million in losses—ended up paying lower rates after switching to carriers we recommended.
5. Non-Renewals or Cancellations
If your policy is being canceled or not renewed, we can secure new coverage in as little as 1–2 days.
6. High Experience Modification Factors (EMRs)
A high EMR can drive up your premiums, but we can place you in programs that offer credits to offset these factors, keeping your rates competitive.
7. Payroll Misclassification
If your payroll has been misclassified into higher-cost categories, we’ll work with your carrier to ensure accurate classifications and fair pricing.
8. Unsatisfactory Payroll Services
Many businesses rely on payroll companies that bundle workers’ compensation, but these can come with inflated fees. We offer access to up to 20 alternative programs with lower payroll processing costs and better workers’ compensation rates.
9. Monthly Premium Flexibility
For businesses with fluctuating payrolls, paying a fixed monthly premium can hurt cash flow. We offer programs that allow you to report payroll monthly and pay premiums based on those reports. When your payroll is lower, so is your premium.
10. Eliminating Renewal Deposits
Tired of paying a hefty deposit every renewal cycle? We can place you with carriers that don’t require renewal deposits after the initial year.
11. Policy Fees or Service Charges
If you’re paying policy fees of $1,000–$2,500 or service fees of 10%, we’ll find you programs with no hidden fees while delivering first-class service.
Why Choose BGES Group?
At BGES Group, we don’t just sell policies—we solve problems. Whatever your workers’ compensation issue, we’re here to take the stress off your shoulders. Here’s what sets us apart:
1. Unmatched Expertise: We specialize in workers’ compensation for New York, New Jersey, and Connecticut businesses, offering insider knowledge to optimize your coverage.
2. Significant Savings: Our specialty programs can save you up to 40% on premiums.
3. Fast Solutions: Need new coverage quickly? We can get you insured in as little as 24–48 hours.
4. Personalized Service: We treat every client like family. You’ll never struggle to get someone on the phone or receive timely answers to your questions.
5. Flexible Programs: From eliminating audits to lowering renewal deposits, we customize programs to fit your unique needs.
Client Success Stories
Here are just a few examples of how we’ve helped clients overcome their workers’ compensation challenges:
• Construction Company with High Losses: A contractor with over $1 million in claims faced skyrocketing premiums and a carrier cancellation. We secured new coverage with a reputable carrier at a lower rate.
• Small Business Audit Dispute: After their carrier misclassified payroll, resulting in an unfairly high premium, we negotiated a correction and refund.
• Non-Renewed Contractor: When a major carrier non-renewed a contractor’s policy, we found new coverage in under 48 hours, ensuring no gaps in compliance.
Comprehensive Workers’ Compensation Solutions
Our services extend beyond basic coverage. We address:
• Lowering high experience modification factors.
• Securing multi-state coverage under one policy.
• Resolving fictitious payroll disputes during audits.
• Ensuring timely issuance of certificates.
• Helping businesses that have been uninsured for months.
Take the First Step Toward Better Coverage
Your workers’ compensation policy should protect your business without creating unnecessary stress or expense. At BGES Group, we’re here to make that a reality.
Call Gary Wallach at 914-806-5853 today to discuss your needs, or visit our website at www.bgesgroup.com to learn more. Whether you’re a contractor, manufacturer, or trucking company, we have the solutions to help you thrive.
Let us take your workers’ compensation headaches and turn them into opportunities for savings, compliance, and peace of mind.