If you’re a contractor in New York, New Jersey, or Connecticut, chances are you’ve experienced the frustrations of dealing with workers’ compensation insurance. Whether it’s sky-high premiums, endless audit battles, or waiting days just to get a certificate of insurance issued, workers’ comp often feels like more of a burden than a benefit.
At BGES Group, we’ve spent more than 44 years helping contractors just like you navigate the confusing world of workers’ compensation. We specialize in solving problems that most insurance brokers either ignore or don’t have the expertise to handle. If you’re unhappy with your pricing, your insurance company, or the service you’re receiving, here are some of the major issues we can help you with—and how we solve them.
Common Workers’ Comp Problems Contractors Face
1. Your rates are too high.
Many contractors are simply paying more than they should. Between misclassifications, inflated audits, and companies tacking on extra fees, costs can spiral.
2. Your policy is being canceled or non-renewed.
If you’ve had losses, your current company may not want to renew your policy. That doesn’t mean you don’t have options—we specialize in finding replacement coverage quickly.
3. Poor service from your insurance agency.
Too many contractors are stuck working with “robot-like” representatives who don’t think creatively or offer solutions. You call for help, and all you get are generic answers—or worse, no answers at all.
4. Confusing composite rates.
If you’re with a company that bundles taxes, fees, and payroll costs into a single rate, you may have no idea what you’re really paying. That’s never a good place to be.
5. High Experience Modification Factor (X-Mod).
A high mod not only increases your premiums but can also hurt your chances of winning new jobs. We help contractors lower their mods so they can stay competitive.
6. Frustrating Professional Employer Organizations (PEOs).
If you’re in a PEO, you may not be getting the reports you need, payrolls may not arrive on time, and every phone call can mean 10–30 minutes on hold. Plus, you never deal with the same person twice.
7. Audits that feel like interrogations.
For many contractors, audits are a nightmare. Some companies demand excessive paperwork and treat business owners like criminals. We work with programs that eliminate annual audits or only request minimal documentation.
8. Assigned risk program issues.
If you’re in a state or assigned risk pool but work in multiple states, you could be exposed to massive uncovered losses without realizing it.
9. Delays in certificates of insurance.
Nothing is more frustrating than losing a job or delaying a project because you can’t get a certificate on time. Some agencies take hours or even days to issue them.
10. An unavailable broker.
If your broker is never at their desk, constantly “out to lunch,” or takes days to return calls, you’re not getting the service you deserve.
11. Limited options.
Some agencies only represent one or two markets, leaving you stuck with limited and expensive choices.
What BGES Group Offers Contractors
When you work with BGES Group, you won’t be handed off to an inexperienced account rep or left waiting days for answers. Instead, you’ll deal directly with Gary Wallach, who brings 44 years of experience to every client relationship.
Here’s what makes working with us different:
- One point of contact. You’ll always deal with the same person who knows your account inside and out.
- Creative problem solving. We think outside the box to find solutions other agencies overlook.
- Deep expertise. With decades of experience, we know how to navigate the system—and win.
- Industry connections. We have the right relationships to get things done quickly.
- Reliability. When you call, you get answers. We don’t hide behind voicemail or endless hold music.
- Honesty and trust. We do what we say we’ll do, every time.
BGES Group Specializes in Solving These Problems
We’ve built specialty programs for contractors across New York, New Jersey, and Connecticut. Here’s how we help:
- Lowering Pricing: Our programs can save you up to 40% on workers’ comp.
- Finding New Companies: We replace policies that are canceled or non-renewed.
- Audit Disputes: We help resolve unfair audit findings.
- Fictitious Payroll Issues: If your insurer inflates payrolls at audit time, we fight back.
- Lowering High Mods: We work to bring down inflated experience modification factors.
- Correcting Misclassifications: Payroll often gets misclassified, costing you thousands—something we fix.
- Eliminating Renewal Deposits: We reduce or eliminate large upfront renewal deposits.
- Coverage Gaps: We help contractors get coverage even if they’ve gone months without insurance.
- Multi-State Coverage: We make sure all your work is covered under one policy—even across state lines.
- Eliminating Extra Fees: No more 10% service or policy fees.
- Fast Certificates: Certificates are issued promptly, not days later.
- Always Accessible: You’ll always reach someone when you need help.
Why Contractors Choose BGES Group
Unlike many agencies, we don’t treat contractors like just another policy number. We know your business, your challenges, and the unique pressures you face bidding and winning jobs. Every day, we help contractors:
- Lower their insurance costs.
- Avoid coverage gaps that could devastate their business.
- Get certificates fast so they never lose a job.
- Fight unfair audits.
- Access better options than the assigned risk pool.
And most importantly, we give you peace of mind knowing your workers’ comp is being handled by a specialist who truly has your back.
Ready to Put an End to Workers’ Comp Headaches?
If you’re tired of high premiums, unhelpful brokers, and endless audit battles, it’s time to work with a team that understands contractors and knows how to fix these problems.
At BGES Group, we’ve been helping contractors in New York, New Jersey, and Connecticut for decades. Whether your policy is being canceled, you’re stuck with a high mod, or you simply want better service, we’re here to make workers’ comp easier, more affordable, and less stressful.
📞 Call: Gary Wallach at 914-806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com
BGES Group
216A Larchmont Acres West
Larchmont, NY 10538
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