In the highly competitive, high-risk world of New York construction, the right insurance broker isn’t just helpful — it’s critical to your business survival. In recent years, more and more New York contractors have made a decisive move: leaving their long-time insurance brokers and partnering with BGES Group for their General Liability, Umbrella Liability, and Workers’ Compensation coverages.
Why the shift? Simple — BGES Group delivers what other brokers don’t: deep industry expertise, strategic market access, better pricing, hands-on advocacy, and the kind of service contractors thought no longer existed.
Here are 10 reasons why New York contractors are leaving their brokers behind and making the switch to BGES Group:
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1️⃣ Industry Specialization: Construction Is What We Do
Most brokers are generalists — writing policies for restaurants one minute and manufacturers the next. At BGES Group, our entire focus is on the construction industry. We live and breathe New York’s complex labor law environment, scaffold law exposures, and tough-to-place risks. That means your coverage is built by people who understand your business inside and out.
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2️⃣ Access to Unique Markets and Specialty Programs
Many brokers are limited in who they can access for coverage quotes. BGES Group has long-standing relationships with top national, regional, and specialty insurers who understand New York contractor risks — and we often gain access to programs other brokers can’t touch. Better options = better pricing and better coverage.
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3️⃣ Significant Premium Savings
On average, contractors moving to BGES Group save between 10% to 30% on their insurance premiums without sacrificing coverage. We know how to properly structure accounts, identify unnecessary coverages, negotiate rates, and eliminate waste. In today’s economy, every dollar matters — and we help you keep more of them.
4️⃣ Rapid Response & Personal Service
Contractors often complain about brokers who take days to return calls or emails. That doesn’t happen with BGES Group. When you work with us, you get direct access to our team — no phone trees, no waiting. Need a certificate of insurance? Help with a claim? A job site insurance audit issue? You get immediate, personal assistance.
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5️⃣ Proven Claims Advocacy
Insurance is only as good as what happens when you have a claim. At BGES Group, we actively manage claims on behalf of our clients. We fight for fair settlements, push back against unjust denials, and work to minimize your experience mod and liability exposure. Contractors switching to us consistently say it’s a night-and-day difference from what they had before.
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6️⃣ Expertise with NY Labor Laws (Sections 240, 241)
New York’s labor laws are among the strictest and most contractor-unfriendly in the country. Many brokers don’t fully understand how these laws affect coverage and claims handling. BGES Group specializes in insuring contractors operating under these tough statutes — structuring programs designed to minimize your exposure and protect your business.
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7️⃣ No-Nonsense Advice & Risk Management Support
Contractors appreciate our straight-talk, no-fluff approach. We tell you exactly where you’re exposed, what you need to fix it, and how to reduce risk. From contract reviews to jobsite audits to safety program guidance, we work as your strategic risk management partner — not just another vendor collecting commissions.
8️⃣ Customized Insurance Programs Tailored to Your Business
We understand no two contractors are the same. That’s why BGES Group creates customized insurance programs based on your operation’s size, trade, job types, and future plans. Whether you’re a GC, subcontractor, demolition company, or roofing firm — we know how to build the right protection for you.
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9️⃣ Help With Compliance, Audits, and Certificates
From DOB requirements to project-specific insurance obligations, construction companies navigate a maze of compliance issues daily. BGES Group assists clients with everything from OCIP/CCIP enrollments to payroll audits to quick-turn COIs — making life easier and letting you focus on building, not paperwork.
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🔟 Reputation and Trust Built on 44+ Years of Service
For over four decades, BGES Group has built its reputation one contractor at a time. We’re known for our integrity, responsiveness, and relentless commitment to protecting our clients’ businesses. Most of our new business comes from referrals — a testament to the trust we’ve earned in the New York construction community.
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About BGES Group
BGES Group is one of New York’s leading specialty insurance brokers exclusively serving contractors, developers, and construction professionals. We offer customized insurance solutions, risk management services, claims advocacy, and strategic consulting for businesses operating in one of the most demanding insurance markets in the country.
We help clients secure:
• General Liability Insurance
• Umbrella & Excess Liability Insurance
• Workers’ Compensation Programs
• Builders Risk & Inland Marine Coverage
• Contractor’s Equipment Coverage
• OCIP/CCIP Enrollment Assistance
• Labor Law Defense & Risk Management Support
Whether you’re a two-crew masonry outfit or a multi-division general contractor running $50M+ projects, BGES Group can help structure a program that protects your business, keeps you competitive, and improves your bottom line.
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How We Help Contractors
Our mission is to give contractors the peace of mind that their insurance program is comprehensive, competitively priced, and expertly managed. We do this by:
✅ Conducting detailed coverage reviews to identify gaps and overcharges
✅ Shopping accounts to our network of top insurers and specialty programs
✅ Building tailored insurance and risk management strategies for each client
✅ Delivering immediate, personal support for certificates, audits, and claims
✅ Providing expert guidance on New York labor law exposures and claims handling
✅ Advocating fiercely on your behalf when claims happen
Simply put — we treat your business like it’s our own.
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Contact BGES Group Today
If you’re a New York contractor tired of getting the same old treatment from your broker — or if you simply want to see how much better your insurance program could be — reach out to us today.
📞 Gary Wallach
📱 (914) 806-5853
Let’s review your current program, see where you stand, and show you how we can help. No pressure, no obligation — just honest advice from a team that truly cares about protecting your business.
