For general contractors, managing risks and ensuring the safety of workers are both crucial to a successful business. One important aspect of this is having the right insurance coverage. But with so many options out there, why should you consider a custom workers compensation insurance plan? In this blog, we’ll explore the top benefits that tailored insurance solutions can offer to general contractors.

Understanding the Need for Custom Insurance Plans

Every general contracting business is unique, and so are its risks and insurance needs. Custom insurance plans allow contractors to tailor their coverage to the specific risks they face, making sure that all potential threats to their business and workers are adequately addressed.

Tailoring an insurance plan to meet the specific needs of a general contractor involves assessing various aspects of their business operations. For example, contractors are often engaged in diverse projects that may vary greatly not just in size but also in the inherent risks associated with the nature of the work, location, and duration. Each of these factors contributes to identifying the right amount of coverage needed for effectively managing uncertainties.

Benefits of Personalized Coverage

A personalized insurance plan means that your coverage will be designed to fit the exact scope of your operations. This reduces the likelihood of being over-insured or under-insured, providing peace of mind that your team is fully protected without unnecessary expenses.

What distinguishes a personalized insurance plan from standard options is its ability to offer coverage that aligns precisely with a contractor’s specific circumstances. This might include special provisions for high-risk projects or activities that traditional insurers may exclude. Custom plans give contractors the freedom to include policies that cover unique risks without the burden of paying for unnecessary general coverage. This customization ensures that if an incident does occur, the financial implications are minimized.

Flexibility to Adjust as Your Business Grows

With a custom plan, you have the flexibility to adapt your coverage as your business changes and grows. Whether you’re taking on larger projects or expanding into new areas, a tailored plan can be adjusted to meet your evolving needs efficiently.

Growth in the general contracting business isn’t always consistent, and in some cases, it may be quite rapid. As you scale your operations, your exposure to risk can multiply quickly. By choosing a custom insurance plan, you ensure that your coverage can keep pace with your business expansion effortlessly. These plans can be revised to reflect new risk assessments and accommodate larger workforce requirements, thus providing an adaptable safety net as you pursue ambitious projects.

Potential Cost Savings

By only paying for the coverage you need, you can potentially save money with a custom workers compensation plan. This approach allows you to allocate your financial resources more effectively, investing in other areas of your business.

Cost efficiency is a crucial concern for general contractors working within tight budgets. Standard insurance plans might seem less expensive at first glance, but they often include premiums for risks that are not applicable to every business. A custom plan eliminates these redundancies, allowing contractors to divert funds to crucial areas like workforce training or purchasing advanced equipment that enhances job safety—each being a further investment in reducing potential claims down the line.

Enhancing Safety and Risk Management

Custom plans often include proactive risk management strategies tailored for your line of work. By emphasizing safety measures and providing targeted training, these plans can help reduce the incidence of workplace injuries.

Improvements in workplace safety begin with understanding the particular challenges a contractor faces. With tailored insurance plans, companies can access resources specific to their field, such as industry-specific safety protocols or training programs designed to minimize risk on the job site. This not only builds a culture of safety but also significantly reduces the likelihood of injury-related claims, thus complementing the core focus of your custom coverage.

The Value of Customization in Workers Compensation Insurance

In conclusion, choosing a custom workers compensation insurance plan offers general contractors a range of benefits that are well worth considering. From personalized coverage to potential cost savings and improved risk management, a tailored insurance solution can significantly enhance the way you protect and support your team. Take the time to explore your options and find a plan that works best for your unique business needs. Explore our homepage to discover more about how specialized insurance solutions can support your endeavors.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges. 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, misclassified payrolls, or whatever your issue. We can help!  We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers; we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that, if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The program takes the hassle out of doing annual audits, too.  

If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
 
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2025 – BGES Group
 

Understanding the insurance needs for masonry contractors in New York is crucial to ensuring both legal compliance and financial protection. This FAQ aims to demystify masonry insurance and explain why it is a vital consideration for contractors operating in the state.

What is Masonry Insurance?

Masonry insurance is a specialized form of coverage designed to protect contractors who work with masonry projects. It typically includes liability insurance, property insurance, and workers’ compensation, tailored to meet the unique risks of the trade.

Unlike general insurance, masonry insurance specifically addresses the nuances of working with masonry materials. This includes protection against specific risks like damage due to vibrations caused during stonework or bricklaying. Such specialized coverage ensures contractors are not left vulnerable to niche claims that general policies may overlook.

Having masonry insurance signifies a commitment to professionalism and resilience within the construction industry. It provides financial stability and enables contractors to undertake projects of varying scopes with confidence, ensuring both their business and clients are secure in the event of unforeseen circumstances.

Why Do Contractors Need Masonry Insurance in New York?

New York state regulations require contractors to have insurance to operate legally. Masonry insurance covers potential liabilities that can arise during a project, safeguarding contractors from lawsuits, property damage, or accidents.

The bustling construction environment in New York presents unique challenges for contractors, from strict regulatory requirements to high-density urban projects. Masonry insurance not only covers incidents that may lead to costly litigation but also helps in maintaining good client relations by demonstrating preparedness to handle potential disruptions effectively.

Moreover, the diverse climatic conditions and regulatory demands in New York necessitate a robust insurance plan. Contractors are shielded from financial losses that might arise due to extreme weather damage or compliance issues, making masonry insurance a crucial component of a successful business model in the region.

What Does Masonry Insurance Cover?

Typically, masonry insurance covers public liability, employer’s liability, damage to property, and compensation for workers. These components ensure that any injury, damage, or claim stemming from the contractor’s operations is covered.

In addition to these standard coverages, masonry insurance might include reimbursement for legal fees and costs associated with defending claims. For instance, if a passerby is injured due to falling debris, the associated medical and legal expenses could be extensive, but masonry insurance provides a safety net against such unpredictable events.

An often overlooked advantage of masonry insurance is coverage for machinery and equipment. Given the high value of construction machinery, this component of the policy ensures that theft or damage won’t result in substantial financial burdens, allowing you to keep projects on schedule without unexpected expenditures.

How to Choose the Right Masonry Insurance

Selecting the appropriate masonry insurance involves considering the scope of your work, potential risks, and your budget. It’s important to work with an insurance agent who understands the industry and can offer a tailored package.

Begin by assessing the size and nature of the projects you handle. A comprehensive understanding of potential risks specific to your business can help in selecting coverage that best fits your needs. For instance, a contractor focusing on residential projects might have different insurance priorities than one involved in large commercial projects.

A key aspect of choosing the right insurance is balancing cost with coverage. While it’s tempting to opt for the cheapest policy, cutting corners may leave critical areas unprotected. Carefully evaluate the premium versus the protection offered to ensure a well-rounded policy that doesn’t compromise on essential coverage aspects.

Ensuring Peace of Mind with Masonry Insurance

In conclusion, masonry insurance is not just a legal obligation for contractors in New York but also a necessary safeguard that protects both the contractors and their clients. By ensuring comprehensive coverage, contractors can work with peace of mind, knowing that they are protected against a variety of potential risks associated with masonry work. For more detailed guidance and support, explore our comprehensive insurance solutions tailored specifically for your needs.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges. 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, misclassified payrolls, or whatever your issue. We can help!  We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers; we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that, if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The program takes the hassle out of doing annual audits, too. 
 
If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
 
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2025 – BGES Group
 

Managing workers’ compensation insurance in New York, New Jersey, and Connecticut is no small feat. Between sky-high premiums, audit nightmares, and rising claim costs, it’s one of the biggest headaches for business owners across the region. If you’ve been frustrated by unpredictable costs, poor service, and limited options from traditional insurance carriers, there’s a smart alternative you should know about.

A high-performance workers’ compensation program, designed specifically for businesses in high-cost, heavily regulated states like NY, NJ, and CT, is rapidly becoming the go-to choice for forward-thinking companies looking for cost control, claims management support, and long-term coverage stability.

What makes this program unique isn’t just the competitive pricing — it’s the complete business solution it offers, including integrated payroll services, in-house claims management, and a workers’ comp insurance company under their direct ownership, providing a level of control and stability other programs can’t match.

Let’s break down why so many Tri-State business owners are making the switch.

⸻

10 Reasons Tri-State Business Owners Are Choosing This Workers’ Comp Program

1. Pay-As-You-Go Premium Structure

This program eliminates large upfront premium deposits and surprise audit bills. Premiums are calculated and paid based on actual payroll processed each pay period, keeping cash flow steady and reducing financial risk for your business.

⸻

2. Payroll Processing Included

In addition to handling your workers’ compensation coverage, the program processes your payroll for you — ensuring accuracy in premium calculations and simplifying your back-office operations. No more juggling multiple vendors or worrying about payroll and comp reporting discrepancies.

⸻

3. Ownership of Their Own Workers’ Compensation Insurance Company

Unlike programs that depend on third-party insurance carriers, this one owns and manages its own licensed workers’ compensation company. This means they control underwriting, pricing, claims, and risk management services — giving you long-term coverage stability you won’t find in the open market.

⸻

4. Consistent Cost Savings

Businesses typically save 10% to 25% on workers’ compensation premiums compared to state funds and standard market policies, thanks to competitive rates and a proactive approach to claims and risk management.

⸻

5. Exceptional Claims Management

With in-house claims adjusters and a hands-on claims management strategy, this program focuses on quick, fair claim resolutions. Their goal is always to get injured employees back to work while keeping claim costs low and protecting your experience modification rating.

⸻

6. Customized Risk Management Services

You’ll receive tailored safety programs, jobsite inspections, and employee training resources specific to your industry — designed to reduce workplace accidents and help you avoid costly claims.

⸻

7. No Large Down Payments

Traditional workers’ comp policies often require hefty down payments of 25% to 100% of the annual premium upfront. This program eliminates that burden with a pay-as-you-go setup based on actual payroll.

⸻

8. Multi-State Coverage

If your business operates in multiple states, this program can easily extend coverage to other regions. You’ll receive coordinated service and claims management through a single point of contact, simplifying your insurance management across state lines.

⸻

9. Long-Term Pricing Predictability

With direct ownership of their insurance company, the program provides long-term pricing stability and predictable renewals, especially for businesses that prioritize workplace safety and maintain clean claims histories.

⸻

10. Ideal for Mid-Sized and Growing Companies

As your business grows, this program scales with you — whether you’re hiring new employees, opening additional locations, or expanding into other states. The flexible structure is built to grow alongside your business.

⸻

What Types of Businesses Should Consider This Program?

This isn’t a one-size-fits-all solution. It’s designed for established businesses with solid operations and at least $100,000 in annual payroll. Industries that typically see the biggest benefits include:

• Construction (General Contractors, Subcontractors, Specialty Trades)

• Manufacturing (Metal, Plastics, Wood, Food Production)

• Transportation and Trucking Fleets

• Warehousing and Distribution Centers

• Building Maintenance and Janitorial Services

• Landscaping, Tree Care, and Property Maintenance

• Printing, Packaging, and Assembly Operations

If your business falls into one of these categories, especially in the Tri-State region where workers’ comp costs can be crippling, this program offers significant financial and operational advantages.

⸻

Meet BGES Group — Your Workers’ Comp Specialist

Finding the right workers’ compensation program isn’t just about pricing — it’s about having an experienced advisor who understands the nuances of your industry, your state’s labor laws, and your business goals. That’s where BGES Group comes in.

For over 44 years, BGES Group has specialized in workers’ compensation insurance for New York, New Jersey, and Connecticut businesses. Their expertise, market access, and personal service have helped countless business owners reduce their insurance costs while improving coverage and claims support.

BGES Group works closely with business owners to:

• Review existing workers’ comp programs and identify opportunities for savings and improvement.

• Provide access to exclusive programs like this one that are unavailable through standard insurance agencies.

• Offer expert claims advocacy to make sure your claims are handled quickly and fairly.

• Deliver customized risk management advice to reduce the frequency and severity of workplace injuries.

• Help manage audit exposures and eliminate surprise premium adjustments at year’s end.

• Coordinate multi-state coverage solutions for businesses operating across state lines.

What makes BGES Group different is their hands-on, boutique approach. When you work with them, you deal directly with an experienced advisor, not a call center or junior account manager. They act as your partner and advocate, helping you make smart decisions about protecting your people and your business.

⸻

The Bottom Line

If you’re a Tri-State business owner looking for a smarter, more stable, and cost-effective workers’ compensation insurance solution, this proprietary program deserves a serious look. From pay-as-you-go premiums and payroll processing to in-house claims management and long-term rate stability, it offers a complete package for businesses tired of the headaches and financial risks that come with traditional comp policies.

BGES Group can help you determine whether your business is a good fit and walk you through the process of securing a quote and getting started.

To learn more, reach out to Gary Wallach at BGES Group at 914-806-5853, email bgesgroup@gmail.com, or visit http://www.bgesgroup.com.

Smart business owners plan ahead — and smart businesses protect their people, profits, and future with programs like this one.

Father’s Day is one of those holidays that sneaks up on families every year. The ads on TV suggest Dad wants a new tie, a wallet, or a pair of socks — but let’s be honest, if your dad is a contractor, he doesn’t need another tie. The only tie he cares about is a tie-down strap to secure his ladders in the truck.

So what do contractors really want from their wives and kids for Father’s Day? It’s probably not what you’d expect — and most of it won’t cost you a dime. Here’s a fun, light-hearted look at 10 wishes that would make any hard-working contractor dad grin from ear to ear this Father’s Day.

⸻

10 Things Contractors Secretly Wish for on Father’s Day

1️⃣ A Day With No Honey-Do List

Nothing says “I love you, Dad” like leaving him alone for a day without adding to his personal punch list. No fixing leaky faucets. No hanging shelves. No assembling patio furniture. Just one glorious Sunday with no “while you’re at it…” requests.

2️⃣ Unlimited Control of the TV Remote

Dad spends all week dealing with demanding clients, nosy neighbors, and back-ordered materials. On Father’s Day, give him full control of the remote. Whether it’s baseball, a Clint Eastwood marathon, or old reruns of This Old House, let him soak it in without judgment or requests to switch to The Bachelor.

3️⃣ A Cold Drink That Stays Full

Whether it’s an ice-cold beer, iced tea, or one of those mystery energy drinks contractors seem to love, keep it coming. If you see his cup getting low, top it off. It’s the simple things in life, folks.

4️⃣ A Nap Without Guilt

The man’s been getting up before sunrise for years. Give him the green light to snooze in his favorite recliner without someone reminding him of the backyard barbecue or asking what time you’re leaving for Aunt Patty’s.

5️⃣ Breakfast Cooked by Someone Else

Contractors can frame a house and hang drywall with one hand, but even they appreciate being pampered with pancakes and bacon made by someone else for a change. Bonus points if it arrives with a side of fresh coffee and a paper plate — no dishes to wash.

6️⃣ No Tool Theft for the Day

Every contractor dad has a tool stash that mysteriously shrinks when the family borrows his tape measure, pliers, or drill. For one day, let him be the king of his tools without having to play detective when something’s missing.

7️⃣ A Truck Wash (He Didn’t Have to Do)

He loves that truck like a third child. Surprise him with a clean, shiny ride, inside and out. Clear out the fast food wrappers, organize the glove box, and maybe throw in a new air freshener that smells like fresh sawdust.

8️⃣ A Big Ol’ BBQ Feast

Contractors are simple creatures. Give them a slab of ribs, a big burger, or a juicy steak, and they’re happier than a roofer with a new nail gun. Fire up the grill, crack open a cold one, and let him be in his element.

9️⃣ A “Contractor Dad of the Year” Trophy

Nothing over-the-top — a simple homemade certificate or a dollar store trophy that reads “Best Contractor Dad Ever” will do. It’s about the thought, and maybe a little teasing. He’ll laugh and probably display it proudly in his truck.

🔟 A Reminder That He’s the Man

Above all, what contractors want is to feel appreciated. Tell him he’s your hero, your fixer of everything, your rock. Say thank you for building your swing set, fixing the garage door, and being the guy who always knows what to do when the water heater explodes. A little recognition goes a long way.

⸻

At BGES Group, We’re About More Than Insurance — We’re About People

Here at BGES Group, we specialize in insurance for contractors. From workers’ comp to general liability to tools and equipment coverage, we’ve got your back so you can get the job done.

But beyond the policies and the paperwork, we try to make people smile every single day. Life’s too short to be serious all the time, and let’s be honest — no one tells better job site stories than contractors.

That’s why, whether it’s offering solid insurance advice or cracking a joke about that guy who thought he could hang drywall without a level, we believe in giving back to our clients and our community. We genuinely love what we do and the people we serve.

Happy Father’s Day to all the hardworking contractor dads out there — whether you’re building skyscrapers, remodeling kitchens, or fixing leaky sinks at home, you’re the backbone of your family and this country.

If you need insurance coverage or just want to swap stories about job site mishaps and duct tape miracles, give us a call. We’re always happy to help.

⸻

Contact BGES Group

📞 Gary Wallach, Principal

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Follow us on social media for daily contractor humor, safety tips, and insurance updates.

Happy Father’s Day — from our family to yours!

Navigating the world of insurance can often feel like an uphill battle, especially when it comes to understanding the specific requirements for workers’ compensation in New York. This type of insurance is crucial not only for protecting employees but also for safeguarding businesses from unforeseen challenges. In this post, we will break down why workers’ compensation insurance is so important in NY and how it fulfills both employer and employee needs.

Ensuring Employee Protection

Workers’ compensation insurance provides vital support for employees who are injured or become ill due to their job. It covers medical expenses and offers financial benefits, ensuring that employees are taken care of even when they cannot work.

The assurance of medical care and financial recovery not only helps in physical healing but also fosters emotional well-being among employees. Knowing that there is a safety net in place allows employees to focus more on their work, without the constant fear of unmanageable debts from unforeseen accidents.

Legal Requirements in New York

In New York, having workers’ compensation insurance is not just a good idea—it’s the law. Employers are required to provide this insurance to protect their workers. Failing to comply can result in severe penalties, including fines and potential business closures.

Adhering to state laws regarding workers’ compensation is crucial for any business operating in New York. The New York Workers’ Compensation Board mandates that all employers provide this insurance, reinforcing its importance. Understanding these workers’ compensation insurance NY requirements not only keeps a business lawful but also enhances its reputation as a responsible employer.

Financial Protection for Employers

For employers, workers’ compensation insurance offers crucial financial protection. It helps cover legal costs if an employee decides to sue over a work-related injury or illness and can prevent significant out-of-pocket expenses.

By minimizing the financial risks associated with workplace accidents, employers can focus more on business growth and development. This safeguard further prevents the disruption of operations and the potential financial burden of compensating employees directly.

Promoting a Safe Work Environment

Having appropriate workers’ compensation insurance encourages employers to maintain a safe workplace, as reduced accidents and claims can lead to lower premium costs. A commitment to safety benefits everyone involved by fostering a healthier, more productive work environment.

Implementing safety protocols and regular training sessions can significantly decrease the likelihood of accidents. Moreover, demonstrating a proactive approach towards safety can enhance an employer’s relationship with their workforce, cultivating a culture of trust and mutual respect.

Supporting Employee Retention and Morale

Knowing that an employer values their well-being through adequate insurance can boost employee morale and loyalty. Workers feel more secure and valued, which can lead to increased productivity and lower turnover rates.

Employee retention is directly linked to job satisfaction and a sense of security. Workers’ compensation insurance plays a critical role in this by delivering peace of mind to employees that their needs will be supported during difficult times, ultimately enhancing employee engagement and maintaining a motivated workforce.

Understanding the Importance of Workers’ Compensation Insurance

Workers’ compensation insurance is more than just a legal requirement in New York—it is a fundamental component of a thriving, ethical business environment. It supports employees in times of need, protects employers from costly lawsuits, and ensures compliance with state regulations. Understanding its importance helps both parties navigate workplace risks more confidently, contributing to a safer and more secure work environment.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges. 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, misclassified payrolls, or whatever your issue. We can help!  We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers; we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that, if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The program takes the hassle out of doing annual audits, too.  

If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website. 

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2025 – BGES Group
 

In the bustling, highly regulated world of New York construction, it’s not enough for artisan contractors — whether they’re plumbers, electricians, masons, drywall installers, or carpenters — to simply have insurance. The type of insurance policy, the way it’s written, and the limits it carries are all under close scrutiny by municipalities across New York State. Too often, contractors find themselves rejected from jobs or denied permits because their liability policy doesn’t meet the specific, stringent requirements enforced by local governments.

In this article, we’ll unpack why municipalities reject certain artisan contractors’ liability policies, what contractors should look for to stay compliant, and how working with a specialist can make all the difference.

⸻

Understanding the Problem: Not All Policies Are Created Equal

Many artisan contractors assume that any general liability policy will suffice for municipal jobs or projects requiring permits. Unfortunately, this is a costly misconception. New York municipalities typically require very specific insurance language, coverages, and endorsements to protect themselves and the public from financial loss in the event of an accident, injury, or property damage on a job site.

Here’s where the disconnect happens:

• Cheap, off-the-shelf policies often exclude key coverages.

• Certain insurance carriers issue policies without the proper endorsements municipalities demand.

• Some policies have unacceptable limitations, like subcontractor exclusions or specific work restrictions.

• Inadequate policy limits that fall below municipal standards.

When a municipality reviews a Certificate of Insurance (COI) or requests a full policy, these deficiencies quickly come to light, resulting in a rejection of the contractor’s insurance and often halting work before it can even begin.

⸻

Common Reasons for Municipal Policy Rejections

Let’s dive into some of the most frequent reasons New York municipalities reject artisan contractors’ liability insurance policies:

1. Lack of Proper Additional Insured Endorsements

Municipalities routinely require to be named as an Additional Insured on a contractor’s policy for both ongoing and completed operations. If your policy doesn’t have the correct ISO forms (like CG 2010 04/13 and CG 2037 04/13 or their equivalents), your COI will be denied.

Many lower-cost policies will either exclude Additional Insured coverage or provide it in a restrictive form that only covers certain types of claims — a dealbreaker for New York municipalities.

⸻

2. Inadequate Policy Limits

Most artisan contractors purchase liability policies with limits of $1 million per occurrence and $2 million aggregate, thinking it’s sufficient. However, for municipal work, higher limits are often required — sometimes $5 million or more — either on the base policy or through an Excess (Umbrella) policy.

If your limits don’t meet the specifications in the municipal contract or permit application, your insurance will be rejected on the spot.

⸻

3. Subcontractor Exclusions

Many artisan contractors hire subcontractors for portions of their work, whether it’s electrical, HVAC, or framing. Some general liability policies contain a Subcontractor Warranty or Exclusion, which states that any work performed by a subcontractor is not covered unless that subcontractor meets strict insurance requirements.

Municipalities frown on policies with these exclusions because it increases their exposure in the event of an incident. If your policy includes these, expect a red flag during any insurance review.

⸻

4. Lack of a Waiver of Subrogation

A Waiver of Subrogation prevents your insurance carrier from seeking reimbursement from the municipality in case of a claim. New York municipalities commonly require this to avoid becoming a financial target in the event of an accident. If your policy lacks this waiver, your insurance won’t be accepted.

⸻

5. Poor Carrier Ratings

New York municipalities typically require insurance to be placed with a carrier that has an A- or better financial strength rating from A.M. Best. Policies from unrated or poorly rated carriers — often offered at a lower premium — are automatically rejected to protect the municipality from dealing with an insolvent insurer in the event of a claim.

⸻

6. Inappropriate Classifications or Business Descriptions

If your liability policy’s classification doesn’t accurately reflect the type of work you perform, it can cause major problems. Municipalities cross-reference the COI and policy with the type of permit or contract issued. A mismatch can lead to an outright rejection.

⸻

The Cost of Non-Compliance

Failing to meet municipal insurance requirements can lead to:

• Job delays or cancellations

• Permit denials

• Inability to bid public projects

• Fines and penalties

• Potential legal liability if an incident occurs while uninsured

It’s a frustrating and expensive problem for contractors — especially those who unknowingly purchased inadequate insurance from agencies unfamiliar with New York construction regulations.

⸻

How BGES Group Solves the Problem for New York Contractors

At BGES Group, we specialize in construction insurance for artisan contractors across the Tri-State area (New York, New Jersey, and Connecticut). We understand the intricacies of New York municipal insurance requirements because we work with them every day.

Our team ensures your insurance program is properly structured from day one, with:

✅ Correct Additional Insured endorsements

✅ Proper policy limits and Excess Liability options

✅ No subcontractor exclusions (or properly structured subcontractor agreements if applicable)

✅ Waivers of Subrogation

✅ A-rated or better carriers

✅ Accurate class codes and business descriptions

We’ll review your existing policies for free, identify problem areas, and offer solutions tailored to your specific trade, contract requirements, and budget.

If you’re an artisan contractor tired of getting your insurance rejected — or worried it might happen — we’re your go-to resource.

⸻

Contact BGES Group Today

Stop wasting time and money on insurance that doesn’t work for New York municipalities. Let the specialists handle it.

Contact Gary Wallach at BGES Group:

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

We’re not just insurance brokers — we’re construction insurance problem-solvers. Let’s protect your business and keep your projects moving forward.

If you’re a contractor working in the Tri-State area — New York, New Jersey, or Connecticut — chances are you’ll eventually get a visit from a loss control representative. Especially if you’ve just placed new insurance coverage, insurance carriers want to understand the risks they’re taking on, and these on-site evaluations are how they do it.

For contractors, a visit from a loss control rep isn’t something to dread — it’s a valuable opportunity to showcase your commitment to safety, demonstrate your operational controls, and in some cases, improve your chances for better insurance pricing and terms down the road.

But what exactly does a loss control representative do? What questions do they ask? What are they looking for when they visit your job site? In this article, we’ll walk you through what to expect, what you should prepare, and how working with the right insurance broker, like BGES Group, can make these visits much smoother for your business.

⸻

What Is a Loss Control Representative?

A loss control representative (sometimes called a risk control consultant) works on behalf of insurance companies to evaluate risks associated with their insured clients. In the case of contractors, this means visiting active job sites, reviewing safety protocols, and identifying potential hazards that could lead to claims.

Their job is to help both the insurance company and the contractor reduce risk exposures. By identifying unsafe practices or areas needing improvement, loss control reps help contractors minimize accidents and losses — which in turn benefits both parties.

⸻

What Questions Will a Loss Control Rep Ask?

When a loss control representative visits your job site, expect them to ask a series of detailed questions covering your business operations, safety programs, and job site conditions. Here are some common areas they’ll focus on:

• Business Overview

• What type of construction work do you perform?

• How many employees do you have?

• How long have you been in business?

• Who are your major clients or general contractors?

• Employee Safety Programs

• Do you have a written safety manual?

• How often do you conduct safety meetings or toolbox talks?

• Are supervisors trained in accident prevention?

• Do you have a formal accident investigation procedure?

• How do you handle new employee safety orientation?

• Job Site Controls

• Are personal protective equipment (PPE) requirements enforced?

• Are fall protection systems in place where needed?

• How are scaffolding and ladders maintained and inspected?

• Are electrical cords and temporary wiring safely managed?

• Are material storage areas organized and free of hazards?

• Subcontractor Management

• Do you verify that subcontractors carry appropriate insurance?

• Are subcontractors required to follow your site safety rules?

• Are subcontractors trained in hazard communication?

• Accident History

• Have there been any claims or incidents in the past 3-5 years?

• What steps have been taken to prevent recurrence?

• How are near misses reported and handled?

• Equipment and Vehicle Safety

• Are company vehicles regularly inspected and maintained?

• Are drivers screened and trained?

• How is equipment secured on-site?

These questions help the loss control rep form a complete picture of your operation and risk profile.

⸻

What Do They Look for on a Job Site?

Beyond paperwork and policies, a loss control representative will carefully inspect the physical job site. Their checklist often includes:

• Site Housekeeping: Clean, organized work areas free of tripping hazards and debris.

• Fall Protection: Proper guardrails, safety harnesses, and fall arrest systems in use where required.

• PPE Compliance: Workers wearing hard hats, safety glasses, gloves, high-visibility vests, and steel-toed boots as appropriate.

• Ladder and Scaffold Safety: Secure, properly erected, and well-maintained equipment.

• Material Storage: Neat, properly stacked materials stored away from walkways and exits.

• Temporary Power Safety: Cords properly secured and grounded, GFCI outlets in use.

• Hazard Communication: MSDS sheets accessible and hazardous materials properly labeled.

• Emergency Procedures: First aid kits on-site and clear emergency exit paths.

⸻

Why Loss Control Visits Matter

Loss control visits aren’t just a formality. A clean report from a loss control rep can help:

• Maintain your eligibility for insurance coverage

• Avoid mid-term policy cancellations or premium increases

• Secure favorable renewal terms and lower premiums

• Protect your workers and reduce claims frequency

• Build your reputation as a safe, reliable contractor in the marketplace

Insurance carriers appreciate working with contractors who prioritize safety and risk management. In some cases, if deficiencies are found, the carrier may provide time to correct them before taking further action.

⸻

How BGES Group Helps Contractors Prepare

At BGES Group, we specialize in construction insurance for contractors throughout the Tri-State area. One of the many ways we serve our clients is by helping them prepare for these important loss control visits.

We work closely with our clients to review their safety programs, job site procedures, and insurance requirements. If a loss control visit is scheduled, we’ll coach you on what to expect, what documents to have ready, and what improvements might be needed ahead of time.

And if a report comes back with recommendations, we’re here to help you address those issues quickly and efficiently — protecting your business, your workers, and your insurance program.

⸻

About BGES Group

BGES Group is a leading construction insurance brokerage firm based in the Tri-State area. For decades, we’ve been helping contractors obtain affordable, comprehensive insurance coverage tailored to their unique risks.

Our expertise includes:

• General Liability Insurance

• Workers’ Compensation

• Commercial Auto

• Inland Marine

• Excess Liability

• Builders Risk

• Subcontractor Management Support

• Loss Control Consultation

We understand the challenges contractors face, from high insurance costs to managing safety compliance. That’s why we deliver hands-on, proactive service to keep your business protected and competitive.

⸻

Contact BGES Group Today

If you’re a contractor in New York, New Jersey, or Connecticut, and you need expert guidance on your insurance and risk management program, call the professionals at BGES Group.

📞 Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Whether you’re placing new coverage, preparing for a loss control visit, or shopping for a better insurance program, BGES Group is your trusted partner in construction insurance.

In today’s competitive New York construction market, subcontractors face more insurance requirements than ever before. Whether you’re a drywall installer, electrician, plumber, or general labor crew, working on projects with reputable general contractors and property owners means your insurance policies must meet strict coverage standards. Failing to comply could mean losing out on lucrative contracts or being removed from job sites.

In this article, we’ll break down the essential insurance coverages and limits that New York subcontractors should have, explain why they matter, and show how BGES Group is helping contractors across the Tri-State area secure the protection they need to grow their businesses.

⸻

📋 The Critical Insurance Coverages and Limits Every New York Subcontractor Needs

When a general contractor sends you their insurance requirements, it can feel like reading a foreign language. But underneath the legal wording, there are clear, essential coverages they expect you to carry. Here’s a breakdown of the must-haves:

1️⃣ Commercial General Liability (CGL) Insurance

This is the foundation of your insurance program. It protects your business against third-party claims of bodily injury, property damage, and personal injury arising from your operations.

Typical Requirement:

• $1,000,000 per occurrence

• $2,000,000 general aggregate

⸻

2️⃣ Excess or Umbrella Liability Insurance

Since the risks on New York construction sites are high, especially with Labor Law 240 and 241 claims (commonly known as “Scaffold Law”), general contractors require subcontractors to carry significant excess liability.

Typical Requirement:

• $5,000,000 per occurrence

This coverage sits above your CGL, Auto, and Employers Liability limits and provides added protection for large claims.

⸻

3️⃣ Additional Insured Endorsement

Most general contractors require they, along with the project owner and any upstream parties, be listed as Additional Insureds on your CGL, Excess, and Products & Completed Operations policies.

This ensures that if a claim arises from your work, your policy will defend and indemnify them as well.

What to Confirm:

• Blanket Additional Insured endorsement in place

• Coverage applies to ongoing and completed operations

⸻

4️⃣ Waiver of Subrogation

A Waiver of Subrogation prevents your insurance company from going after the general contractor or property owner for reimbursement after a claim payout.

What to Confirm:

• Blanket Waiver of Subrogation on both CGL and Excess policies

⸻

5️⃣ Primary and Non-Contributory Wording

Your insurance policies must respond before any other insurance carried by the general contractor or owner. This is achieved by including Primary and Non-Contributory language in your policies.

⸻

6️⃣ Labor Law / Action Over Coverage

New York’s infamous Labor Law 240 and 241 makes owners and general contractors absolutely liable for certain injuries sustained by workers on job sites. Many policies exclude coverage for employee injury claims involving third parties (known as “Action Over” claims).

What to Confirm:

• No employee injury exclusion

• Labor Law coverage included

⸻

7️⃣ Contractual Liability Coverage

This covers the liability you assume in contracts — like your agreement to indemnify and hold harmless the general contractor and property owner.

What to Confirm:

• Contractual Liability coverage is included in your CGL

• Provide the policy page confirming it

⸻

8️⃣ Insurance and Hold Harmless Agreement

You must have a written, signed agreement with the general contractor that clearly spells out your insurance responsibilities and hold harmless obligations.

⸻

9️⃣ Products and Completed Operations Coverage

After a project wraps, your liability exposure doesn’t end. Most general contractors require that their Additional Insured status extends to your Products & Completed Operations coverage.

What to Confirm:

• All upstream parties listed as Additional Insureds on Completed Operations coverage

⸻

🔟 New York Workers’ Compensation Insurance

New York law requires all contractors to carry Workers’ Compensation coverage for their employees — and most GCs insist on reviewing your policy to confirm it covers New York operations.

⸻

🔧 How BGES Group is Helping New York Subcontractors Stay Compliant and Competitive

Navigating these insurance requirements can be overwhelming, but this is where BGES Group steps in. For over 44 years, BGES Group has specialized in working with New York contractors to secure the right insurance programs to keep them compliant, protected, and competitive.

They understand the fast-paced, high-risk environment of New York construction. That’s why BGES Group offers:

✅ Quick, accurate certificates to get you on job sites faster

✅ Liability policies that meet or exceed GC and owner requirements

✅ Labor Law / Action Over coverage options without employee injury exclusions

✅ Access to programs with Primary & Non-Contributory and Waiver of Subrogation endorsements

✅ New York Workers’ Comp policies, including access to special Safety Group Plans for those who qualify

Whether you’re looking to replace your current policy, need help understanding insurance requirements, or want to gain access to better coverage options and pricing — BGES Group is ready to help.

⸻

📞 Contact BGES Group Today

If you’re a New York subcontractor looking for better coverage, lower rates, and faster, friendlier service — call Gary Wallach at BGES Group today.

Contact Info:

📱 914-806-5853 – Gary Wallach

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

⸻

Final Thought

Don’t let insurance requirements hold you back from landing bigger, better projects. With the right coverage in place — and a partner like BGES Group in your corner — you can bid jobs with confidence, knowing you’re protected and compliant.

Let BGES Group take the headaches out of insurance, so you can focus on what you do best: building New York.

When contractors are looking for new workers’ compensation insurance, it’s easy to assume all policies are the same. But there’s a big difference between getting your coverage through a regular insurance company and relying on a state plan. If you’re a contractor in New York, New Jersey, or Connecticut — the Tri-State area — understanding these differences is essential to protecting your business, your workers, and your bottom line.

Let’s break it down.

⸻

10 Differences Between Regular Workers’ Compensation Policies and State Plans

1. Price Flexibility

Regular insurance companies often offer more flexible pricing structures. They can customize rates based on your company’s claims history, safety practices, payroll, and trade classifications. State plans typically have set rates based on filed rates, which can be a good option for businesses needing guaranteed access to coverage, but contractors looking for new workers’ compensation insurance may find better pricing options through private carriers.

2. Coverage Enhancements

Private insurers frequently offer optional coverage enhancements like stop-gap coverage, USL&H (for maritime-related work), or voluntary compensation for uninsured individuals. State plans generally focus on providing statutory workers’ compensation benefits, without optional endorsements.

3. Service & Claims Handling

Private insurance carriers often deliver fast, efficient claims services with dedicated adjusters and construction-focused programs. State plans provide reliable claims services as well, but some contractors may prefer the personalized attention and quicker turnaround times often associated with private carriers.

4. Loss Control Services

Most private insurance companies provide value-added safety services, such as job site inspections, safety manuals, and OSHA compliance guidance. State plans may offer online resources and safety materials, but contractors often appreciate the hands-on services offered by regular insurers — a big help when managing job site risks.

5. Audit Process

Both private insurers and state plans conduct annual premium audits to reconcile estimated and actual payrolls. Private insurers that specialize in construction accounts typically have underwriters and auditors well-versed in trade classifications and contractor operations. This can lead to smoother audits and clear explanations for adjustments.

6. Assigned Risk Pool Participation

In cases where a contractor has difficulty obtaining coverage in the voluntary market, state plans ensure that employers can still access workers’ compensation insurance. While these plans serve an important role in the market, when contractors are looking for new workers’ compensation insurance, many seek to transition into competitively priced, voluntary programs with private carriers offering broader options and additional services.

7. Premium Payment Options

Private insurers usually offer a variety of premium payment options, including monthly, quarterly, or pay-as-you-go. This flexibility helps contractors manage cash flow, especially on jobs with varying payroll. State plans typically have set deposit and payment schedules, which may not offer as much flexibility.

8. Certificates of Insurance Turnaround

Fast certificates are vital in construction. Regular insurance brokers and carriers often deliver certificates the same day, sometimes within an hour. While state plans also provide certificates, the process may vary depending on internal procedures, which is a factor to consider when contractors are looking for new workers’ compensation insurance.

9. Underwriting Expertise

Private insurance companies typically employ underwriters experienced in handling construction risks and navigating complex job classifications. This can help contractors get accurate pricing and appropriate coverage. State plans provide essential coverage for businesses of all types, though their underwriting process tends to be more standardized.

10. Access to Safety Groups (New York Only)

In New York, eligible contractors have a valuable option through Safety Group plans. These are programs offered by certain carriers and associations that group together businesses in similar industries. Safety Groups often provide significant up-front premium discounts and the potential for back-end dividends based on the group’s overall claims performance. When contractors are looking for new workers’ compensation insurance, qualifying for a Safety Group can deliver outstanding value.

⸻

How BGES Group Helps Tri-State Contractors Find the Right Coverage

When contractors are looking for new workers’ compensation insurance, working with a specialist like BGES Group makes all the difference.

For over 45 years, BGES Group has built a trusted reputation among New York, New Jersey, and Connecticut contractors. Unlike generalist agencies, BGES Group focuses heavily on the construction industry and understands its unique challenges, from regulatory requirements to trade-specific risks.

Their team helps contractors navigate the market, whether it’s moving out of the assigned risk pool or reviewing options within both state plans and private carriers. BGES Group also guides eligible New York contractors into Safety Group programs, where up-front discounts and potential dividends can mean real savings.

When contractors are looking for new workers’ compensation insurance, BGES Group offers:

• Access to top-rated insurance markets and state plan options

• Fast, same-day certificate turnaround

• Claims assistance and audit support

• Help with job site safety programs and loss control resources

• Annual policy reviews to ensure optimal coverage and pricing

Contact BGES Group Today

When contractors are looking for new workers’ compensation insurance, it’s important to work with experts who know your business and your market.

Contact BGES Group today and discover better options for your coverage:

📞 Gary Wallach: (914) 806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Let them help you explore the available markets, potential Safety Group programs, and tailored coverage options designed to protect your workers and your business.

In today’s New York construction market, liability insurance isn’t what it used to be. Between ever-tightening insurance carrier guidelines, rising claim settlements, and heightened legal exposure, general contractors and property owners have become far more particular about the coverages they require from subcontractors and project managers. If you’re a New York contractor bidding jobs or working with larger general contractors, you need to understand exactly what these decision-makers are looking for in a Commercial General Liability (CGL) and Umbrella Liability policy — and where many policies fall dangerously short.

At BGES Group, we work with hundreds of Tri-State contractors and see firsthand the challenges they face in navigating this insurance maze. Let’s break down what coverages are being demanded today and some hidden policy forms that could quietly ruin your coverage when you need it most.

⸻

Key Coverages General Contractors and Property Owners Expect

Labor Law and Action Over Coverage

New York’s infamous Labor Law Sections 240 and 241 put strict liability on property owners and general contractors for certain worker injuries, especially falls from heights. As a result, general contractors insist that any subcontractor’s liability policy include coverage for Labor Law claims and Action Over actions.

Action Over refers to situations where an injured employee sues a third party (like a GC or owner) who then seeks indemnification from the subcontractor. Many cheap liability policies exclude this exposure, leaving both parties exposed and making your policy unacceptable for quality jobs.

⸻

Contractual Liability

Construction projects are built on contracts. Many liability policies subtly limit Contractual Liability coverage, especially when it comes to hold harmless and indemnity agreements. Contractors need a CGL policy that provides broad Contractual Liability protection, ensuring you can legally and financially honor the agreements you sign on every project.

⸻

Blanket Additional Insured — Know the Difference

Nearly every GC and property owner will demand to be named as an Additional Insured on your policy. But here’s the catch: there are two main versions of this coverage:

• Privity of contract required: The additional insured coverage only extends to those you have a direct written contract with.

• No privity required: Coverage extends to any party you are contractually required to add as an additional insured — even if you don’t have a direct contract with them.

General contractors and risk managers strongly prefer the no-privity version, as it simplifies protection for property owners and upstream parties. Always clarify which version your policy provides.

⸻

Blanket Waiver of Subrogation

Another big requirement is a Blanket Waiver of Subrogation, which prevents your insurance company from suing the GC or owner after paying a claim. Again — watch for the privity vs. no-privity distinction:

• With privity: Waiver only applies to those you have a written contract with.

• Without privity: Covers anyone you’re required to waive subrogation for by contract.

GCs typically prefer the no-privity version for smoother claim handling and risk management.

⸻

Primary and Non-Contributory Language

When your policy lists a GC or property owner as an Additional Insured, it must also state that your policy is Primary and Non-Contributory. This means your insurance responds first in the event of a claim, without expecting contribution from the GC or owner’s policy.

Failure to include this often invalidates your Additional Insured coverage in real-world claim situations.

⸻

Per Project Aggregate

A critical enhancement for CGL policies is a Per Project Aggregate Limit. This ensures that claims from one project won’t deplete your total liability coverage for other jobs. GCs increasingly demand this so they aren’t left uncovered if a contractor burns through their policy limits elsewhere.

⸻

Forms and Exclusions to Watch Out For

Even with these coverages included, many policies hide limitations in endorsement forms. Here are a few of the most dangerous:

• Residential Exclusions: Completely removes coverage for any work on residential buildings, condos, or co-ops — a dealbreaker if you work in this space.

• Height Limitation Endorsements: Exclude work over a specific height, often 2 or 3 stories. Problematic for scaffold, roofing, or multi-story renovations.

• Construction Limitation Forms: Restrict coverage to specific operations only (e.g., drywall or carpentry), leaving you uninsured if you do work outside those descriptions.

• Strict Subcontractor Coverage Requirements: Require all your subcontractors to carry equal or higher insurance, name you as Additional Insured, and provide Waiver of Subrogation. If one sub falls short, your claim could be denied.

⸻

How BGES Group Protects Tri-State Contractors

At BGES Group, we’ve spent decades helping contractors in New York, New Jersey, and Connecticut navigate complex insurance challenges. Unlike many large, factory-style agencies that sell one-size-fits-all policies—often staffed by inexperienced account executives managing more accounts than they can handle, with frequent personnel changes and long hold times—we provide a personalized, mom-and-pop level of service. Every client receives individual attention, direct communication, and tailored insurance solutions.

We know which carriers write quality policies with the right endorsements for your type of work. We’ll review your current policy, identify dangerous exclusions, and help you secure a comprehensive liability and umbrella program that meets the strict demands of today’s GCs and property owners.

And if you’re still unsure about working with us, you don’t have to take our word for it. You can gain confidence in partnering with BGES Group by hearing what others have to say. Just check out our Google reviews — you’ll see real feedback from contractors throughout the Tri-State area who count on us to protect their businesses.

When you work with BGES Group, you’re not just a number — you’re a partner. We take pride in keeping our clients protected and competitive in a rapidly changing insurance environment.

⸻

Contact BGES Group Today

If you’re unsure whether your current policy has the coverages your clients require — or if you’re tired of dealing with impersonal mega-agencies — let’s talk.

Contact:

Gary Wallach

BGES Group

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Protect your business, win more jobs, and work with people who care about your company’s future.