If you’re a New York contractor, you already know how tough it is to find affordable, reliable workers’ compensation insurance — especially if your policy was non-renewed, your rates skyrocketed, or your coverage was cancelled. The good news? BGES Group specializes in helping contractors just like you get back on track with strong, affordable coverage options designed specifically for the New York construction industry.
Below are 10 smart reasons why every New York contractor should turn to BGES Group for their workers’ comp coverage — whether you’re a small subcontractor or a large GC managing multiple crews.
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1. We Specialize in New York Construction
BGES Group isn’t a generalist agency — we live and breathe New York construction insurance. From general contractors to framers, roofers, masons, electricians, and demolition contractors, we understand the classifications, audit issues, and state-specific requirements that make New York’s system one of the toughest in the country.
✅ That means you get coverage that fits your trade, not one-size-fits-all policies that cost too much or leave you exposed.
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2. We Help Contractors Who Were Non-Renewed or Cancelled
Many brokers give up when a contractor’s policy is non-renewed. BGES Group doesn’t. We specialize in helping contractors find new coverage after non-renewal, cancellation, or lapses.
✅ Even if your policy was cancelled for non-payment, claims history, or class code issues — we’ll find a way to get you insured fast and legally back to work.
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3. We Can Save You Thousands in Premiums
With decades of relationships in the industry, BGES Group has access to top markets that most agents can’t touch. We shop your policy with multiple A-rated carriers to find you the lowest possible cost without sacrificing protection.
✅ Contractors often save 20% to 40% on workers’ comp premiums when they move their coverage through BGES Group.
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4. Fast Certificates of Insurance — So You Never Miss a Job
We know that in construction, time is money. That’s why BGES Group issues certificates of insurance fast — often within minutes.
✅ No waiting hours or days for proof of insurance. When a client or GC demands a cert, you’ll have it the same day — so your crew stays on site and your payments stay on schedule.
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5. We Handle the Headaches — You Focus on the Job
Workers’ comp can be a nightmare: payroll audits, classification disputes, claims management, compliance issues… BGES Group takes all that off your plate.
✅ Our team handles your audits, works with underwriters, and even helps resolve claim problems directly — so you can stay focused on running your business and keeping your crews safe.
6. We Offer Pay-As-You-Go Workers’ Comp
Many contractors struggle with large upfront deposits and unpredictable audit bills. BGES Group offers pay-as-you-go workers’ compensation, which ties your premiums directly to your payroll.
✅ That means you only pay for what you actually use — no big down payments, no surprise audit balances, and better cash flow all year long.
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7. We Make Sure You’re Covered for Subcontractors and Additional Insureds
In New York, it’s critical that your workers’ comp coverage is properly structured to protect you, your employees, and your subcontractors. BGES Group makes sure all required parties — including general contractors and upstream owners — are properly listed as additional insureds.
✅ This keeps you compliant, prevents job delays, and protects you from being held liable for others’ claims.
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8. We Help You Avoid Common Audit and Classification Traps
Did you know many contractors overpay thousands each year because they’re misclassified under the wrong class code? BGES Group audits your policy for accuracy to ensure you’re classified correctly under New York’s strict workers’ comp rules.
✅ We’ve saved contractors tens of thousands of dollars simply by correcting their class codes and eliminating improper audit charges.
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9. We’re Available 24/7 — Not Just 9 to 5
When you call BGES Group, you reach a real person, not an automated system. We’re known for answering calls, texts, and emails 7 days a week, because construction doesn’t stop at 5 p.m.
✅ Our clients love that they can reach us anytime for certificates, coverage questions, or urgent issues — even nights and weekends.
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10. Trusted by Hundreds of NY Contractors for Over 44 Years
With over three decades of experience protecting contractors across New York and beyond, BGES Group has built a reputation for honesty, reliability, and results.
✅ We don’t disappear after you buy the policy. We’re your long-term partner — here to help you renew, save money, and keep your business protected for years to come.
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Bonus: We Also Cover Liability, Auto, and Umbrella
BGES Group is a one-stop insurance solution for contractors. We can bundle your general liability, business auto, umbrella, and tools & equipment coverage along with your workers’ comp — giving you seamless protection and often deeper discounts.
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Why Contractors Choose BGES Group Over Big Agencies
• We answer our phones — no waiting, no runaround.
• We fight for our clients when claims or audits arise.
• We know the trades — we speak your language and understand your business.
• We’re transparent — you’ll always know what you’re paying for and why.
• We go the extra mile to keep you insured and compliant — even when others can’t.
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Stop Overpaying and Start Protecting Your Business the Smart Way
If your workers’ comp policy is up for renewal — or worse, you’ve been non-renewed or cancelled — don’t panic.
Let BGES Group step in and find you the right coverage, fast.
We help New York contractors:
✅ Replace cancelled or non-renewed policies
✅ Save 20–40% on premiums
✅ Get fast, reliable certificates
✅ Stay compliant with NY regulations
✅ Protect their crews, clients, and business
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Contact BGES Group Today
BGES Group — New York’s Construction Insurance Specialists
📞 Call/Text: 914-806-5853 – Gary Wallach
📧 Email: bgesgroup@gmail.com
🌐 Website: https://www.bgesgroup.com
Serving: New York, New Jersey, Connecticut — and with associates covering contractors nationwide.
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Final Word:
Whether you’re a small subcontractor or a major general contractor, your workers’ compensation coverage is the backbone of your business. Don’t leave it to chance — or to brokers who don’t understand your industry.
Trust BGES Group, where construction insurance is all we do, and where protecting New York contractors has been our mission for over 44 years.
Call 914-806-5853 today — and discover why hundreds of contractors say BGES Group is the #1 workers’ comp specialist for the New York construction industry.