If you’re a New York contractor, you already know how complicated—and risky—insurance can be. General liability, workers’ compensation, excess liability, subcontractor agreements, New York Labor Law exposure…the list never ends. That’s why your broker should be your first line of defense, helping you stay protected, compliant, and competitive.
Unfortunately, too many brokers in New York are letting contractors down. Over the years, we’ve spoken with hundreds of contractors who share the same frustrations with their insurance agencies. Below are the 10 most common complaints we hear—and how BGES Group stands apart by doing the exact opposite.
⸻
1. Complaint: Brokers Don’t Shop Around
Many contractors feel their brokers automatically renew their policies with the same carriers year after year, without testing the market. That often leads to overpriced premiums.
BGES Group Difference: We shop aggressively every year. Our goal is to make sure you’re getting the best coverage for the best price. We compare multiple carriers, negotiate on your behalf, and present you with options—so you can make an informed decision.
⸻
2. Complaint: Renewal Quotes Come in at the Last Minute
Contractors constantly complain that they receive renewal terms days (sometimes hours) before their policy expires. This leaves no time to review options or negotiate better terms.
BGES Group Difference: We deliver renewal terms well in advance—typically 15 to 30 days before renewal. That gives you breathing room to review, ask questions, and make changes without the stress of a looming deadline.
⸻
3. Complaint: Brokers Don’t Understand Construction
Too many brokers treat contractors like any other business. But New York construction is unique—between Labor Law exposure, subcontractor requirements, and safety standards, you need a specialist who understands your world.
BGES Group Difference: Construction is our specialty. With decades of experience working with contractors of all sizes, we know the pitfalls, loopholes, and risk exposures specific to New York. When you work with BGES Group, you’re working with experts who “speak contractor.”
⸻
4. Complaint: Poor Communication
One of the biggest complaints contractors share is that their brokers don’t pick up the phone, don’t return emails, and leave them chasing for answers.
BGES Group Difference: We pride ourselves on responsiveness. Contractors tell us we’re the easiest agency they’ve ever dealt with because we pick up the phone, respond to emails quickly, and keep communication clear and simple.
⸻
5. Complaint: Brokers Are Slow with Certificates
Delays in receiving certificates of insurance can hold up jobs, frustrate GCs, and even cost contractors opportunities.
BGES Group Difference: At BGES Group, certificates are handled with urgency. Most are issued the same day—often within hours—because we know your projects can’t move forward without them.
⸻
6. Complaint: Brokers Don’t Review Policies for Gaps
Many brokers simply place coverage without thoroughly reviewing exclusions, endorsements, or compliance with GC and owner requirements. Contractors often don’t realize they’re exposed until it’s too late.
BGES Group Difference: We do deep-dive reviews of your policies. We look for hidden exclusions, missing coverages, and compliance issues that could hurt you in a claim. Then we give you straight answers and recommendations to fix the gaps before they cause problems.
⸻
7. Complaint: They Feel Like Just a Number
Contractors often feel like their broker treats them as “just another account.” No relationship, no real advice, just paperwork.
BGES Group Difference: We run BGES Group like a mom-and-pop shop. Our clients aren’t numbers—they’re relationships. Contractors tell us they feel valued, listened to, and cared for. When you call us, you know exactly who you’re speaking with—and that we care about your success.
⸻
8. Complaint: No Guidance on Subcontractor Compliance
Too many brokers fail to help contractors manage subcontractor insurance. This leaves GCs and subs exposed when an accident happens and the wrong coverages are in place.
BGES Group Difference: We actively help contractors manage subcontractor insurance compliance. We’ll review subcontractor certificates, explain what’s missing, and guide you so your business is protected if a subcontractor causes an accident.
⸻
9. Complaint: They Don’t Care About Safety
Some brokers simply sell policies but never help contractors reduce risks, avoid claims, or implement safety programs that protect workers and save money.
BGES Group Difference: We believe safety is part of insurance. We provide guidance on risk management, safety manuals, accident reporting systems, and compliance strategies that help reduce claims and premiums over time.
⸻
10. Complaint: They Don’t Have Reviews or Reputation
Many contractors don’t trust their brokers because they don’t see proof of reliability—no reviews, no testimonials, no reputation to back up their promises.
BGES Group Difference: We have 125+ five-star Google reviews from contractors just like you. Our reputation is built on trust, responsiveness, and results. When you work with BGES Group, you’re working with a team that’s proven itself over and over again.
⸻
Why Contractors Choose BGES Group
At BGES Group, we specialize in New York construction insurance and workers’ compensation. Unlike big agencies that shuffle you between different account managers, we give you personal service from start to finish. We’re fast, responsive, and deeply knowledgeable about the risks you face.
Contractors love working with us because:
• We fight to get you the best pricing.
• We get things done quickly (especially certificates).
• We review your policies for hidden gaps.
• We help you with subcontractor compliance.
• We truly care about protecting your business.
That’s why so many contractors are leaving their current brokers and coming to BGES Group. We make insurance simple, reliable, and stress-free.
⸻
Contact BGES Group Today
Don’t settle for a broker who doesn’t deliver. Let us show you how different insurance can feel when you’re working with a team that cares.
📞 Call Gary Wallach: 914-806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: http://www.bgesgroup.com
⸻
👉 If you’re a New York contractor who’s unhappy with your current broker, now’s the time to make the switch. Contact BGES Group today—you’ll see the difference from the very first call.