If you’re a contractor in the Tri-State area (NY, NJ, CT), securing the right workers’ compensation coverage is critical. Whether you’re a small startup or a well-established company, having the right plan ensures compliance with state laws, protects your employees, and keeps your business running smoothly.
At BGES Group, we specialize in providing workers’ compensation insurance for all types of contractors. Whether you’re in construction, roofing, demolition, or another high-risk trade, we offer tailored solutions that provide stability, competitive rates, and simplified management.
Here’s a breakdown of the different workers’ compensation plans we offer to help you choose the best fit for your business.
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1. Guaranteed Cost Plan – Start Your Policy for as Little as $200
For contractors looking for a simple, pay-as-you-go solution, our Guaranteed Cost Plan is an excellent option. This plan offers:
• Low initial payment – Start your policy for as little as $200.
• Monthly payroll reporting – Go online each month, report your payroll, and pay based on actual wages.
• Predictable costs – Your premium is set based on your payroll, ensuring no surprises at year-end.
• Easy compliance – Stay covered without large upfront costs or complex audits.
This plan is ideal for newer contractors (must be in business at least 2 years) or those who prefer a straightforward, no-hassle approach to workers’ compensation coverage.
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2. Payroll Workers’ Compensation Plan – Ideal for Established Businesses
If you’ve been in business for at least three years and have a payroll of $100,000 or more, our Payroll Workers’ Compensation Plan could be the perfect fit. This plan provides:
• Access to higher-risk industries – We own our own insurance company, which allows us to insure high-risk contractors such as roofers and demolition companies.
• Simplified audits – Eliminate the stress of traditional year-end audits.
• Coverage stability – Consistent protection even in higher-risk industries.
• Competitive rates – Get the best pricing based on your company’s payroll.
• Instant certificates – Get certificates issued in minutes, or generate them yourself online.
For contractors in roofing, demolition, or other high-risk trades, this plan ensures workers’ compensation protection without excessive costs or coverage gaps.
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3. Professional Employer Organization (PEO) Plan – Perfect for Contractors with Coverage Gaps
Have you had a lapse in coverage or experienced losses that make finding affordable insurance difficult? Our Professional Employer Organization (PEO) Plan can help. Benefits include:
• Guaranteed coverage stability – Even if you’ve had prior coverage gaps or high losses.
• Competitive rates – Get affordable rates despite past claims history.
• Human Resources support – Gain access to a full back-office HR team to help manage employees.
• Group health insurance – Some plans offer the ability to purchase group health coverage for your employees.
If you’ve had trouble securing workers’ compensation insurance in the past, this plan provides a reliable solution while also improving your business operations.
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4. State or Assigned Risk Plan – Covering All Contractors, No Matter the Risk
For contractors who struggle to find coverage elsewhere, the State or Assigned Risk Plan ensures that you’re protected, regardless of your risk level. This plan is designed for:
• High-risk contractors – We cover trades like asbestos removal, demolition, and other hazardous industries.
• Contractors with gaps in coverage – If you’ve had lapsed insurance, we can help.
• Businesses with poor loss history – Even if you’ve had frequent claims, we can find a plan for you.
No matter how difficult your situation may seem, BGES Group can secure the right workers’ compensation insurance for your business.
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Why Choose BGES Group for Your Workers’ Compensation Needs?
At BGES Group, we specialize in workers’ compensation insurance for Tri-State contractors. Here’s what sets us apart:
✔ Industry Expertise – With decades of experience, we understand the unique risks contractors face.
✔ Multiple Coverage Options – We provide plans for businesses of all sizes and risk levels.
✔ Fast & Easy Process – Get covered quickly with minimal paperwork.
✔ Competitive Pricing – We work hard to find the most cost-effective solutions for you.
✔ Personalized Service – Work with a team that understands your business and is committed to your success.
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Get a Workers’ Compensation Plan That Works for You
Finding the right workers’ compensation plan doesn’t have to be stressful. Whether you’re a small contractor looking for an affordable startup option or a large company needing coverage for high-risk jobs, BGES Group has a plan for you.
Contact BGES Group Today
📞 Call: Gary Wallach at 914-806-5853
📧 Email: bgesgroup@gmail.com
🌐 Visit Our Website: www.bgesgroup.com
Let BGES Group take the hassle out of workers’ compensation insurance so you can focus on growing your business!