Navigating the world of insurance can be a daunting task, especially for contractors operating in New York City. If you’ve ever asked yourself whether workers’ compensation insurance is required for contractors in NYC, you’re in the right place. In this FAQ, we’ll break down everything you need to know about this important topic.What is Workers’ Compensation Insurance?

Workers’ compensation insurance is a type of coverage that provides benefits to employees who suffer work-related injuries or illnesses. It helps cover medical expenses and lost wages while protecting employers from potential lawsuits.

This form of insurance serves as a safety net, facilitating a smoother recovery process for injured employees and lessening financial strain on both workers and businesses. It’s essential for maintaining a balanced relationship between employer and employee, ensuring that both parties have a safety mechanism in place if accidents occur.

Is Workers’ Compensation Mandatory for All Contractors in NYC?

In NYC, the requirement for workers’ compensation insurance generally depends on the number of employees a contractor has. If you employ even one person, you are typically required to carry this insurance. However, there are certain exceptions and nuances depending on the type of work and contracts undertaken.

It’s important to note that contractors working on specific projects may have tailored obligations. Certain public contracts require coverage not only for direct employees but sometimes for subcontracted personnel, to ensure that all workers have access to medical and wage replacement benefits.

Are There Any Exceptions to the Rule?

While most contractors must have workers’ compensation insurance, there are some exceptions. For example, sole proprietors or independent contractors without employees may not be required to carry insurance, though it’s often recommended for their own protection.

Understanding the exceptions is crucial, as failure to comply with these requirements can result in unexpected liabilities. Even when not legally obligated, securing a policy can provide peace of mind and safeguard against unforeseen incidents.

What Are the Consequences of Not Having Insurance?

Failing to carry the necessary workers’ compensation insurance can lead to severe penalties, including substantial fines and stop-work orders. Moreover, contractors could potentially face civil lawsuits if an employee is injured on the job without coverage.

In addition to these legal consequences, not having adequate insurance can severely impact a contractor’s reputation. Clients and partners may be hesitant to engage in business dealings with uninsured contractors, potentially limiting future work opportunities and collaboration ventures.

How Can Contractors Obtain Workers’ Compensation Insurance?

Contractors can obtain workers’ compensation insurance through private insurance companies or through the New York State Insurance Fund. It’s advisable to compare policies and consult with an insurance expert to determine the best coverage for your needs.

For those seeking more personalized support, partnering with specialized insurance brokers can be advantageous. Brokers have in-depth knowledge of the market and can help navigate the complexities of policy selection, ensuring contractors get comprehensive coverage tailored to their unique operational risks.

Understanding Your Responsibilities as a Contractor

Determining whether workers’ compensation insurance is mandatory for you as a contractor in NYC is crucial for legal compliance and for the protection of both your workers and your business. By staying informed and seeking advice when needed, you can ensure that you’re fully covered and operating within the law. We encourage you to visit BGES Group to explore more about your insurance options and ensure you’re adequately protected.

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
 

BGES Group is one of the Tri-State area’s top Workers’ Compensation Insurance Specialists—and we’re here to make your life easier. We offer up to 15 different policy options tailored specifically for contractors, and what truly sets us apart is our exceptional service.

We answer the phone when you call. You’ll deal with the same dedicated representative for years, and we handle urgent issues in minutes—not hours or days. Whether you need a C105.2 form ASAP for the DOB or a last-minute certificate, we’re on it—seven days a week.

We’re easy to talk to, quick to respond, and never charge outrageous service or policy fees. Our goal is simple: to make your life easier—not harder.

📞 Call Gary Wallach at (914) 806-5853 today!

---

Common Workers’ Comp Issues We Solve:

• Tired of invasive annual audits? We offer policies that help minimize audit headaches.
• Is your Experience Modification Rate (EMR) driving up your costs? We have solutions.
• Canceled or non-renewed due to losses or underwriting changes? We’ve got your back.
• Are your payrolls misclassified or not reviewed properly? We’ll fix it.
• Frustrated with poor agent or carrier service? Expect better.
• Waiting hours—or days—for certificates? We deliver them fast.
• Sick of paying 10% service fees or $500–$5,000 policy fees? Not with us.

Whatever your issue, we can help.

📞 Call Gary Wallach at (914) 806-5853, email us, or visit our website.

---

Why Contractors and Business Owners Choose BGES Group

We’re based in Larchmont, NY, and represent 50+ top insurance companies, offering:

• General & Umbrella Liability
• Workers’ Compensation
• NYS Disability
• Property & Builders Risk
• Auto, Inland Marine
• Bid & Performance Bonds
• Group Health & More

Plus, we specialize in helping contractors, auto services, logistics firms, limousine companies, manufacturers, recyclers, and truckers—especially in New York. Many of our clients benefit from access to exclusive, long-term stable programs that reduce audit stress and improve pricing, especially for multi-state operations.

---

We Also Cover Your Personal Insurance Needs

From home, auto, and boat to life, health, jewelry, and long-term care, we can review your entire personal insurance portfolio and identify where you can save or improve coverage. When was your last full insurance check-up?

---

Don’t Just Take Our Word for It…

We know emails and ads aren’t always enough to earn your trust. That’s why we encourage you to check out our 5-star Google Reviews and hear directly from clients we’ve helped.

---

Contact Us Today!

📞 Gary Wallach: (914) 806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com
📍 BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

---

Let us help you save money, reduce stress, and get the coverage you deserve—with personal service you won’t find anywhere else.

If you’re a New York contractor relying on surplus lines for your Commercial General Liability (CGL) insurance, beware: these policies often contain serious limitations that can leave you dangerously exposed when claims arise.

Here are 10 of the most frequent and costly pitfalls we see:

---

1️⃣ Labor Law 240/241 Exclusions
Also known as the Scaffold Law, these are among the most expensive claims in NY construction. Many surplus lines policies exclude or heavily limit this coverage—putting contractors at major financial risk.

---

2️⃣ Action-Over Exclusions
If an injured employee sues a property owner or GC, and that party turns around and sues the contractor, coverage is often denied under these exclusions—leaving contractors to cover huge legal bills.

---

3️⃣ Height & Depth Work Restrictions
Coverage may not apply to:

• Work above a certain height (e.g., 3 stories / 20 feet)
• Work below a specific depth (e.g., 5–10 feet)
  Ignoring these can result in denied claims.

---

4️⃣ Subcontractor Warranty Endorsements
Many policies require:

• Proof of insurance from all subs
• Specific limits, AI status, Waiver of Subrogation
  Failure to comply = no coverage for sub-related claims.

---

5️⃣ Designated Operations Only
Coverage is often limited to specifically listed work. Any operations outside of that = no coverage.

---

6️⃣ Completed Operations Limitations
Some policies limit or exclude claims after a project is done—critical exposure given the long-tail nature of construction liability.

---

7️⃣ Limited Additional Insured Coverage
Many AI endorsements only apply:

• During ongoing operations
• Not to the AI’s sole negligence
  This can jeopardize contract compliance with GCs and owners.

---

8️⃣ High Deductibles / SIRs
Expect deductibles or self-insured retentions of $10K–$50K per occurrence. That’s out-of-pocket before the insurer even gets involved.

---

9️⃣ Poor Claims Handling
Claims are often managed by TPAs unfamiliar with NY labor laws—leading to delays, denials, and expensive mismanagement.

---

🔟 Policy Endorsements That Limit Coverage
Policies typically contain numerous subtle endorsements that restrict coverage. Many contractors only find out after a claim—when it’s too late.

---

✅ How BGES Group Protects NY Contractors

We help you stay protected by:

✔️ Reviewing your current policies for dangerous exclusions
✔️ Securing proper Labor Law 240/241 & action-over coverage
✔️ Providing full completed ops & AI protection
✔️ Offering policies with fewer height, depth, and subcontractor restrictions
✔️ Working only with A-rated carriers who understand NY construction
✔️ Ensuring claims are handled by pros familiar with NY labor law

---

📞 Let’s Talk:

Gary Wallach
📱 914-806-5853
📧 bgesgroup@gmail.com
🌐 www.bgesgroup.com

🛡️ Your trusted insurance partner for New York contractors.

When you run a contracting business in New York, New Jersey, or Connecticut, one of your biggest headaches is workers’ compensation insurance. Between skyrocketing premiums, unpredictable audits, limited market options, and claims that never seem to go away, many contractors feel trapped. But what if there was a better option — one designed specifically for contractors like you?

For years, Tri-State contractors have been stuck with standard market policies that offer little flexibility and even less long-term value. Today, smart business owners are turning to specialty workers’ compensation programs built to support their unique risks and payroll challenges. These programs offer customized solutions that help control costs, improve cash flow, and give owners peace of mind knowing their coverage is truly working for them — not the other way around.

If you own a construction, electrical, HVAC, carpentry, drywall, painting, roofing, or other contracting business in New York, New Jersey, or Connecticut, it’s time to understand what these programs offer — and how they might be a better fit for your business.

⸻

10 Benefits of a Specialty Workers’ Compensation Program for Contractors

1. Flexible Payment Options

Forget hefty upfront deposits and unpredictable audit bills. These programs offer pay-as-you-go options or low initial deposits based on estimated payroll, helping contractors manage cash flow and keep their money working in their business.

2. Coverage for Higher-Risk Class Codes

Standard carriers often shy away from insuring certain trades or charge astronomical rates. Specialty programs embrace the construction industry’s unique exposures, providing affordable solutions for higher-risk operations like roofing, scaffolding, demolition, and steel erection.

3. Dedicated Claims Management

When a worker gets hurt, you need swift, effective claims handling. These programs provide contractor-specific claims teams who understand job site injuries and work to resolve claims efficiently while protecting your experience modification rating.

4. Loss Control & Safety Resources

Prevention is just as important as protection. These programs typically include tailored safety consulting, site visits, and training resources designed to help reduce claims frequency and severity — something most off-the-shelf policies lack.

5. Better Control Over Experience Mods

Every contractor knows how painful a bad experience modification factor (MOD) can be. Specialty programs actively manage claims, often catching and correcting reserve problems or re-opening closed claims if necessary to improve your MOD and reduce your premiums.

6. Multi-State Coverage Options

If you work jobs in New York, New Jersey, and Connecticut, managing multiple policies can be a nightmare. These programs consolidate coverage under one policy, simplifying your insurance and saving you time and frustration.

7. Transparent, Predictable Pricing

No more games at audit time. Specialty programs typically offer clear pricing structures and proactive payroll reporting to avoid surprises and disputes down the road.

8. Dedicated Underwriting Teams

Unlike standard carriers, specialty program underwriters work exclusively with contractors. They understand your trade, seasonality, contract requirements, and payroll fluctuations — and they build a policy around your business realities.

9. No Minimum Premiums

Many small and mid-sized contractors get penalized by high minimum premiums in the standard market. Specialty programs offer options for growing firms and established companies alike, providing coverage without unnecessary financial strain.

10. Access to Competitive Rates

Because these programs are built for contractors, they can often offer more competitive rates and favorable terms than standard carriers — especially for companies with solid safety records and responsible management.

Why Contractors Are Making the Switch

If you’ve experienced any of the following, a specialty workers’ comp program might be exactly what your business needs:

• Annual audits resulting in unexpected bills

• Difficulty securing coverage for your trade

• Poor claims service and inflated reserves

• A rising experience modification factor

• Trouble placing coverage in New York City, Long Island, or North Jersey

• Multi-state operation headaches

• Frustration with deposits, premiums, and confusing policy language

These programs are designed to help you stop reacting to problems and start proactively managing your coverage, payroll, and risk.

⸻

BGES Group: Your Tri-State Contractor Insurance Specialist

At BGES Group, we’ve spent decades helping contractors like you protect their businesses, control their insurance costs, and navigate the complexities of workers’ compensation coverage in New York, New Jersey, and Connecticut.

We’re not your average insurance agency. We work exclusively with contractors and focus on high-risk industries, including construction, HVAC, electrical, roofing, scaffolding, demolition, and more. We have access to exclusive programs and markets unavailable to most brokers — and we know how to leverage them to your advantage.

Our team understands the pain points Tri-State contractors face, from Labor Law exposure in New York to strict payroll verification requirements in New Jersey and coverage limitations in Connecticut. We listen to your business concerns, review your current coverage, and recommend practical, cost-effective options to help you work safer and more profitably.

Whether your business has one employee or one hundred, operates in one state or several, or specializes in residential, commercial, or municipal projects — we have a solution for you.

⸻

How BGES Group Can Help

• Access to Exclusive Workers’ Comp Programs for Contractors

• Assistance with Experience Mod Review and Claims Analysis

• Audit Preparation and Support

• Job Site Certificate Management and Compliance Assistance

• Annual Risk Management Review Meetings

• Support for Payroll Fluctuations and Seasonal Staffing

We make it our business to simplify yours.

⸻

Contact BGES Group Today

Ready to learn more about how a specialty workers’ compensation program can protect your business and improve your bottom line? Give us a call today for a free, no-obligation consultation.

📞 Gary Wallach

BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

Stop overpaying and start protecting your business the smart way. Let’s get to work.

Navigating the world of roofing insurance can be tricky, especially in New York where regulations and requirements are constantly evolving. As a contractor, it’s crucial to have the right coverage to protect yourself and your business. In this guide, we’ll break down some essential tips to help you make informed decisions about your insurance needs.

1. Understanding Different Types of Coverage

Knowing the various types of roofing insurance available—such as liability, workers’ compensation, and equipment coverage—can help you determine which policies suit your business needs best.

Liability insurance is crucial as it covers potential lawsuits and claims against your business. This includes property damage and bodily injuries that might occur during a project. Without liability insurance, contractors could face significant financial distress from legal fees or settlements, jeopardizing their business operations and personal assets.

Workers’ compensation insurance is another essential type of coverage. It protects both the contractor and employees from occupational injuries and illnesses. This is not just a wise choice; it is required by law in New York. Further details on the requirements can guide you in compliance, ensuring your business operates without legal interruptions and keeps its workforce safe.

2. Evaluating Your Business Needs

Every roofing business is unique. Consider factors like your business size, the types of projects you undertake, and potential risks to tailor your insurance coverage accordingly.

For instance, smaller businesses might work on residential roofs with moderate heights, while larger firms may undertake expansive commercial projects. The scope of work influences the insurance extent necessary to cover potential hazards adequately. Evaluating these factors allows for customized policies that fit your specific operations like a glove.

Consider your typical project locations and environments. Urban settings may have different risk factors compared to suburban or rural sites. Understanding these nuances can guide your coverage needs effectively. A deep dive into local risk factors, such as weather conditions and crime rates, can help you and your insurance provider configure the best possible coverage plan to ensure all bases are covered.

3. Comparing Insurance Providers

Shopping around and comparing quotes from different providers can help you find competitive rates and the most comprehensive coverage for your needs.

Don’t settle for the first insurance provider you come across. It’s beneficial to evaluate multiple quotes, not just for price comparison but also for understanding the coverage nuances each provider offers. Consider their customer service reputation, the ease of filing claims, and additional services that may add value to your choice.

Reading reviews and seeking recommendations from fellow professionals can provide insights that you might not gather from the brochures. Also, many aspects like coverage for natural disasters and special amendments can differentiate one provider from another, making the decision process more informed.

4. Understanding New York State Regulations

Being aware of New York’s specific insurance requirements for contractors ensures compliance and helps avoid potential fines or legal issues.

New York mandates various insurance coverages that you need to adhere to diligently. Staying updated on these regulations can prevent any unwelcome surprises during audits or inspections. Sometimes these rules may change, influenced by political or economic factors, so keeping a finger on the pulse through regular checks on official state websites is a wise business practice.

5. Reviewing Policy Exclusions

Familiarize yourself with any exclusions in your policy to prevent gaps in coverage that could expose your business to significant risks.

Policy exclusions aren’t always apparent at first glance. They often hide in the small print and include specific scenarios that your insurance won’t cover. For instance, certain acts of nature, like earthquakes, might not be included unless specially added. It’s crucial to scrutinize these exclusions, consulting with your insurance agent if necessary, to ensure you fully grasp how and when you are protected.

Additionally, some exclusions might depend on your business’s field of work. If your projects frequently involve high-risk modifications or materials, make sure to cross-check these with your policy details to avoid potential oversight. Comprehensive knowledge in these areas will save you from unintended financial burdens in the long run.

6. Ensuring Adequate Liability Coverage

Liability insurance protects you from claims arising from accidents or damage. Ensure your policy limits are sufficient for the scale and nature of your projects.

Consider industry benchmarks and averages when setting your liability limits. Excess coverage might seem unnecessary until faced with a claim that significantly exceeds your basic cover. Overextending your coverage might be expensive in the short term but is often less costly than the settlement or repair costs of a potentially devastating claim.

7. Keeping Your Coverage Up-to-Date

Regularly review and update your insurance policies to reflect changes in your business operations and industry standards.

As your business grows, so do your coverage needs. Yearly assessments of your insurance policy ensure you remain adequately protected against the evolving contours of your operations. Whether it’s expanding into new service areas or adjusting workforce numbers, each change can impact your risk profile and, subsequently, your need for adjusted coverage.

8. Building a Relationship with Your Insurance Agent

A good relationship with your insurance agent can promote clear communication and help you navigate the complexities of insurance policies and claims.

Having an agent who understands your business’s specific needs allows for tailored advice that’s in line with those requirements. Good rapport fosters transparency and trust, which are crucial during the claim process or when unexpected challenges arise. An insurance agent acts as a valuable resource and partner in ensuring your continued success.

9. Protecting Your Tools and Equipment

Make sure your insurance includes protection for your tools and equipment, which are essential for your everyday operations.

Tools and equipment are significant investments, and their loss or damage can disrupt your ability to work. Exploring options such as inland marine insurance can provide protection for tools and machinery while in transit or at job sites. This coverage ensures minimal downtime, allowing you to focus on maintaining business continuity even amidst misfortunes.

10. Handling Claims Efficiently

Knowing how to handle claims promptly and effectively can help mitigate losses and speed up the recovery process for your business.

The first step is to have a comprehensive record-keeping system in place. Maintain detailed documentation of all incidents and communicate immediately with your insurer to expedite the claim process. Quick responses can significantly affect the outcome of claims and potential reimbursements. Prepare by understanding your policy fully, enabling a smoother claim journey.

Training your team on the procedural aspects of handling incidents and claims can also streamline the process. Ensure that every team member knows whom to contact and what steps to take should an incident occur. Such preparedness significantly reduces the stress and potential disputes associated with claims.

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 today’s fast-paced, impersonal world of business insurance, finding a broker who truly cares, takes the time, and gets things right the first time is like finding a needle in a haystack. Most insurance agencies have adopted the “factory model” — high volume, low attention, and constantly changing personnel. But BGES Group, a boutique New York insurance agency that specializes in construction coverage, is a powerful exception to this rule.

With over four decades of real-world expertise and a commitment to first-class service, BGES Group delivers an experience that is refreshingly personal and professional. If you’re a contractor in New York or the surrounding area, here are 10 reasons why BGES Group is so much better to work with than most other insurance agencies.

---

1. We Answer Our Phones When You Call

It may seem basic, but how many times have you been stuck in voicemail jail or had to wait days for a call back from your insurance broker? At BGES Group, we always answer the phone. When you call, you get a real human being on the line — ready to help you. No endless menus. No “we’ll get back to you in 48 hours.” Just direct, real-time support.

---

2. Work Directly With a Specialist With 44 Years of Experience

Your business insurance shouldn’t be handled by someone fresh out of training or rotating between 100 accounts. At BGES Group, you work with one person — the same person — who brings 44 years of deep insurance knowledge, industry insights, and street smarts to your policy. That’s nearly half a century of experience working specifically with construction professionals like you.

---

3. Your Account Executive Will Not Change Every Three Months

In many agencies, you’re lucky if the same person handles your account two quarters in a row. The turnover is constant, and every time someone new is assigned, they don’t know your history, your needs, or even your name. At BGES Group, we build long-term relationships. You deal with one expert who understands your business from top to bottom.

4. Did We Mention… We Answer Our Phones?

It’s worth repeating: you’ll never be ghosted or ignored. Whether it’s a question, a claim, a certificate request, or just a quick policy clarification, we’re here to help when you need us.

---

5. We’re Available Monday Through Sunday

Emergencies don’t take weekends off — and neither do we. Whether it’s a Friday night issue with a jobsite or a Sunday certificate request, we’ve got your back. That’s right: we’re here seven days a week.

---

6. We’re Always Helpful, Polite, and Know What We’re Talking About

No moody customer service reps. No clueless interns. No runaround. We’re friendly, responsive, and 100% competent. Our team knows insurance, understands the construction business, and gets things done quickly and correctly.

---

7. We’re Not a Factory. You’re Not Just Another File Number

Unlike agencies that assign hundreds of clients per rep, BGES Group operates like a tight-knit boutique. You’ll never be just another line in a spreadsheet. The person you work with will know your business inside and out and treat you like a valued client — not a policy quota.

8. We Actually Review Your Policies

You’d be stunned how many agencies simply pass your policy along without ever reading the fine print. We dig deep. We comb through every policy line-by-line to make sure the coverage you’re paying for actually protects you — and that nothing’s been missed. Our job isn’t done until everything is 100% accurate and tailored to your business.

---

9. We Come to You

Need to meet face-to-face? We’re happy to come see you — whether it’s to review policies, help with risk management, or just have a sit-down discussion. We believe in relationships, not transactions.

---

10. We’re a “Mom and Pop” Boutique Broker — and Proud of It

We don’t want to be the biggest — just the best for our clients. BGES Group operates with the heart and soul of a family business. That means integrity, dedication, personal service, and accountability. Our clients are not numbers — they’re partners, and we treat them as such.

---

The Problem with Most Other Agencies

Let’s be real — many insurance agencies today have lost the personal touch. They operate like conveyor belts, churning out policies as fast as possible with minimal interaction. You never know who your contact is, you spend more time chasing answers than getting help, and worse — the people handling your policies don’t really understand your business. Mistakes get made, you’re left in the dark, and ultimately, you pay good money for bad service.

As a construction professional, you deserve more. You’re spending serious money on insurance to protect your business, your team, and your future. Shouldn’t your broker care just as much as you do?

---

About BGES Group

BGES Group is a New York-based insurance brokerage that specializes in construction industry coverage. Whether you’re a general contractor, artisan contractor, subcontractor, or specialty trade professional, we offer tailored insurance solutions that provide real protection and peace of mind.

Our coverages include:

• General Liability Insurance
• Workers’ Compensation
• Commercial Auto
• Umbrella & Excess Liability
• Builders Risk
• Tools & Equipment
• Owners & Contractors Protective Liability
• Surety Bonds
• Professional Liability
• Pollution Liability
• And more

We serve contractors of all sizes — from sole proprietors to large construction firms — throughout New York and the surrounding states.

---

Let’s Talk

If you’re tired of impersonal service, revolving-door account managers, and confusing, error-filled policies, it’s time to experience the BGES Group difference.

Give us a call today and talk to someone who knows your business, answers the phone, and is ready to help.

BGES Group

• 📍 Serving New York & Tri-State Area
• 📞 Call Us: (914) 806-5853 – Gary Wallach
• 🌐 Visit: www.bgesgroup.com
• 📧 Email: info@bgesgroup.com

---

Your business deserves more than just a policy — it deserves a partner. Let BGES Group be yours.

This Fourth of July, it’s not just the fireworks lighting up the sky — it’s the grills, the crowds, and the iron-willed appetites of America’s hungriest contractors.

BGES Group, the Tri-State’s top construction insurance specialists, is proud to sponsor the 2025 National Contractor Hot Dog Eating Contest, where builders, framers, and roofers from California to New Mexico — and everywhere in between — gather in Yonkers, NY to settle a meaty score.

These aren’t your average eating contest amateurs. These are jobsite legends, known for demolishing not only walls but also platefuls of franks at every cookout from Sacramento to Santa Fe.

We’ve gathered ten top eaters from across the country for a no-holds-barred, belly-busting brawl, and we’ve got the inside scoop on their eating records and their odds of taking home this year’s Golden Toolbelt Trophy.

Get to know the competitors below, check out their stats, and drop your pick in the comment box for who you think will be crowned Hot Dog King 2025!

⸻

Meet the Competitors

⸻

1️⃣ Big Louie “Load-Bearer” Mancini — Mancini Masonry, Queens, NY

Past Record: 44 hot dogs in 12 minutes (2024)

Known For: Finishing a 6-foot hero solo while waiting for a concrete delivery.

Odds to Win: 3-1

The hometown hero and reigning champ, Big Louie’s been carb-loading for weeks and promises a new record this year.

⸻

2️⃣ Carlos “Concrete Crusher” Ruiz — Ruiz Construction, Albuquerque, NM

Past Record: 41 hot dogs in 10 minutes (2023)

Known For: Eating 20 dogs during a rain delay at a highway job.

Odds to Win: 4-1

Carlos is making the trip from New Mexico with one thing on his mind: dethroning Big Louie. Rumor has it he’s been training on chili dogs at 7,000 feet elevation.

⸻

3️⃣ Bobby “Nails” Navarro — Navarro Framing Co., Stamford, CT

Past Record: 39 hot dogs in 10 minutes (2023)

Known For: Downing six dogs before a framing job.

Odds to Win: 5-1

A Northeast favorite, Bobby’s quick bite and no-quit attitude make him one to watch.

4️⃣ Sal “Slab Boss” Moreno — Moreno Excavating, Los Angeles, CA

Past Record: 38 hot dogs in 11 minutes (2024)

Known For: Claiming no one out West eats cleaner or faster.

Odds to Win: 6-1

Making the long haul from LA, Sal’s hoping West Coast skills hold up in East Coast heat.

⸻

5️⃣ Eddie “Two-Trowel” Figueroa — Figueroa Stucco & Plaster, Bronx, NY

Past Record: 37 hot dogs in 10 minutes (2024)

Known For: Being the MVP of every jobsite barbecue.

Odds to Win: 7-1

The Bronx contender with a loyal following and stomach of steel.

⸻

6️⃣ Chuck “Concrete Cowboy” Hughes — Hughes Concrete, San Diego, CA

Past Record: 36 hot dogs in 9 minutes (2022)

Known For: Eating contests at tailgates and framing sites.

Odds to Win: 8-1

Smooth operator from SoCal who claims “the bun’s just filler.”

⸻

7️⃣ Mikey “The Mutt” Russo — Russo Roofing & Sheet Metal, Yonkers, NY

Past Record: 35 hot dogs in 8 minutes (2022)

Known For: Betting paychecks on eating challenges.

Odds to Win: 9-1

A wildcard in every sense. If Mikey’s in the mood, nobody’s safe.

8️⃣ Richie “Sawzall” Donato — Donato Demolition, Newark, NJ

Past Record: 34 hot dogs in 11 minutes (2023)

Known For: Pre-contest milkshake chugging.

Odds to Win: 10-1

Demolition expert with an appetite for destruction (and franks).

⸻

9️⃣ Vinny “Deck Boss” DelVecchio — DelVecchio Decking, Long Island, NY

Past Record: 33 hot dogs in 10 minutes (2024)

Known For: Toting his own mustard and secret seasoning.

Odds to Win: 12-1

Long shot with a cult following. Known for strong, last-minute pushes.

⸻

🔟 Frankie “The Forklift” Costa — Costa Excavating, Santa Fe, NM

Past Record: 30 hot dogs in 9 minutes (2023)

Known For: Two-lunch Fridays and double-bun dogs.

Odds to Win: 15-1

Big frame, big heart — could surprise if he finds his groove.

⸻

Who’s Your Pick?

Now it’s your turn to weigh in.

Drop your pick in the comment box below and let us know who you think will devour their way to the Golden Toolbelt this year.

Will Big Louie defend his title? Will Carlos “Concrete Crusher” crush the East Coast favorites? Or could a dark horse like Mikey “The Mutt” steal the show?

Cast your vote and guess how many hot dogs the winner will down!

⸻

About BGES Group — Insurance Built for Builders

While these contractors are stuffing their faces, there’s one thing they don’t have to worry about — their insurance. That’s because BGES Group has it covered.

We’re not just brokers, we’re construction insurance specialists dedicated to protecting contractors in New York, New Jersey, and Connecticut. From workers’ comp to general liability, from New York Labor Law 240/241 coverage to excess liability, builders risk, and equipment insurance — we craft policies built for your trade, your crews, and your jobsite realities.

Our job is to handle risk so you can focus on the real work — pouring concrete, raising frames, and sometimes, setting hot dog-eating records.

Whether you’re a drywall guy in the Bronx or an excavator in Bridgeport, BGES Group has your back.

⸻

Contact BGES Group Today

📞 Gary Wallach – BGES Group

📱 914-806-5853 – Gary Wallach

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Get coverage that works as hard as you do.

Happy Fourth of July — and may the hungriest contractor win! Now hit those comments and tell us who you’re putting your money on!

Let’s be honest — the life of a contractor isn’t exactly a relaxing spa day. It’s early mornings, late nights, job site surprises, and endless phone calls about whether the tile delivery has arrived (it hasn’t). But amidst all the chaos, what keeps contractors going? Is it the loyal spouse who reminds them to eat something other than gas station hot dogs? The trusty dog waiting by the door after a long day? Or the prospect of a giant, sauce-drenched Italian sub at lunchtime?

We decided to get to the bottom of this very scientific question: what do contractors prefer — their spouses, their pets, their food… or maybe, just maybe, all three?

Let’s break it down.

⸻

The Spouse: The Real Project Manager

Contractors might be the boss on the job site, but at home, it’s a different story. Behind every successful contractor is a spouse who’s part therapist, part scheduler, and part “you left your lunch on the counter again” reminder service.

Spouses of contractors know the drill:

• Listen to the 47-minute rant about the inspector who failed the footing.

• Accept that vacations will be rescheduled due to a “can’t miss” concrete pour.

• Pretend not to notice when their partner tracks drywall dust through the living room.

And yet — they’re always there, making sure the contractor remembers anniversaries, has a clean shirt for client meetings, and eats something green every once in a while.

In an informal survey we didn’t actually conduct, 8 out of 10 contractors admitted their spouse is the reason they haven’t been buried under a pile of unpaid invoices and fast food wrappers. The other two were too busy chasing a delivery truck down the street to respond.

Contractors’ Take:

“I couldn’t do what I do without my wife. She’s my bookkeeper, cook, and occasional hostage negotiator when the siding crew wants to walk off the job.”

The Pet: The True Emotional Support

Let’s face it — there’s nothing like coming home to a wagging tail or a purring cat after a day spent arguing with a client about paint colors. Contractors may act tough, but their pets see through the calloused hands and sunburned necks.

Whether it’s a dog, a cat, a parrot that swears like a sailor, or even a lizard named Larry, pets provide the kind of unconditional love contractors need after a rough day. They don’t care about change orders or OSHA fines. They care about belly rubs and snacks.

In fact, many contractors say their pets are their favorite job site companions. Dogs love to ride in the truck, inspect materials, and supervise lunch breaks. Some job sites even have “official mascots” — a job-site mutt who probably knows more about drywall than the new guy.

Contractors’ Take:

“I trust my dog to sniff out a crooked subcontractor before he even opens his mouth.”

⸻

The Food: The Real MVP

If you’ve ever tried to schedule a contractor for a 7 AM meeting, you know one thing: don’t even speak to them until they’ve had their bacon, egg, and cheese.

Contractors’ relationship with food is primal. It needs to be:

• Fast

• Portable

• Capable of being eaten one-handed while steering with the other

Job site lunches are sacred. Forget boring sandwiches — we’re talking about sausage and peppers from the corner deli, greasy pizza slices the size of hubcaps, and coffee so strong it could strip paint.

But ask any contractor what they look forward to most during a long day and it probably isn’t the spreadsheet back at the office. It’s the lunch truck showing up with a meatball sub that requires three napkins and a minor act of God to finish.

Contractors’ Take:

“I married my wife for her lasagna, and I stay married for it. God bless her.”

The Verdict: It’s a Three-Way Tie

At the end of the day, contractors don’t choose between their spouse, their pet, or their food. They need all three to stay sane.

• The spouse keeps the business running smoothly.

• The pet keeps them grounded.

• The food keeps them from passing out on a scaffold.

It’s a perfect ecosystem, much like a well-planned job site. Remove one element, and the whole operation falls apart.

Fun Fact: In a recent fake poll we made up for this article, 100% of contractors said they wouldn’t trade their dog for their lead carpenter, and 90% admitted to hiding snacks in their truck for emergency situations.

⸻

Enter BGES Group: The Fourth Essential Contractor Companion

While we can’t cook your lunch or walk your dog, BGES Group can make your life a whole lot easier when it comes to business insurance. And if there’s one thing every contractor loves more than a pepperoni pizza, it’s not having to stress about insurance coverage.

BGES Group is the Tri-State area’s construction insurance specialist, serving contractors in New York, New Jersey, and Connecticut.

We get it — your time is valuable, your risks are real, and your tolerance for nonsense is zero. That’s why we deliver:

• Workers’ Compensation policies that won’t leave you eating ramen noodles.

• General Liability and Excess Liability designed for tough trades like roofing, scaffolding, demolition, and street/roadwork.

• Payroll and workers’ comp programs that can slash your costs by up to 30%.

• Builders Risk policies that actually make sense.

• Coverage for equipment, tools, vehicles, and more.

We specialize in making sure you’re properly covered so you can focus on what matters — your family, your dog, and that burrito you’ve been thinking about since 10 AM.

⸻

Get in Touch with BGES Group

Contact: Gary Wallach

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

BGES Group — Construction Insurance is our trade, so you can focus on yours.

⸻

Closing Thought:

Whether you’re chasing your lunch truck, your dog, or your next big job, just remember — behind every great contractor is a spouse, a pet, a sandwich, and an insurance broker who’s got your back.

And we’re proud to be one of them.

In the high-risk world of construction, having a properly structured Builder’s Risk insurance policy isn’t optional — it’s essential. For New York contractors, navigating the nuances of these policies can be especially challenging given the state’s strict insurance requirements and unique risk exposures. An improperly written or incomplete policy can leave contractors exposed to devastating financial losses.

This article will break down the 10 most important coverages, exclusions, conditions, and restrictions that every New York contractor should be aware of in their Builder’s Risk policy. We’ll also explain the two common ways to structure payment for these policies. And if you’re looking for expert guidance, we’ll introduce you to a trusted resource for construction insurance in the Tri-State area.

⸻

🔨 Top 10 Crucial Builder’s Risk Coverages, Exclusions & Conditions for NY Contractors

1️⃣ Coverage for Property Under Construction

At its core, a Builder’s Risk policy must cover the building or structure under construction, including materials, supplies, and equipment on-site. Ensure the policy includes coverage for property while in transit and temporary storage off-site. Many claims are denied when materials en route to a job site aren’t properly covered — don’t overlook this.

⸻

2️⃣ Soft Costs Coverage

Soft costs refer to expenses like architect fees, permit fees, real estate taxes, loan interest, and advertising costs that continue to accrue or increase due to a project delay caused by a covered claim. Many contractors mistakenly assume these are automatically covered — they’re not unless specifically endorsed onto the policy.

⸻

3️⃣ Debris Removal & Pollution Clean-Up

Construction losses rarely involve only the repair of damaged property. Demolition and debris removal can be incredibly costly. Your policy should have an adequate debris removal sub-limit and include pollution clean-up expenses in the event of a covered peril causing contaminant discharge. Always check sub-limits here — some carriers restrict this to low amounts unless increased by endorsement.

4️⃣ Ordinance or Law Coverage

New York’s strict building codes can turn a simple loss into a regulatory nightmare. Ordinance or Law coverage ensures you have funds to cover demolition of undamaged portions of the building, increased costs due to code upgrades, and debris removal. Without this, a covered claim could leave you owing thousands for work required by updated codes.

⸻

5️⃣ Theft of Materials

One of the most common construction losses is the theft of building materials from a job site. Surprisingly, many Builder’s Risk policies either exclude theft entirely or limit it to forced entry situations. Make sure your policy specifically includes theft of materials from both the site and while in transit or stored off-site.

⸻

6️⃣ Exclusion for Employee Theft

While most policies cover theft by third parties, theft by employees is often excluded. If your crew or subcontractors have access to valuable materials or equipment, consider adding an endorsement to cover employee theft or purchasing a separate Crime policy.

⸻

7️⃣ Delay in Completion Coverage

Delays due to covered property damage can cause serious financial problems if contractual penalties, lost rents, or lost business income are involved. Delay in Completion coverage (often an endorsement) reimburses for lost income, rents, and extra expenses incurred due to construction delays stemming from a covered claim.

8️⃣ Subcontractor Insurance Requirements

Many Builder’s Risk policies include conditions requiring that all subcontractors maintain certain insurance limits (e.g., General Liability, Workers’ Compensation). Failure to enforce these can jeopardize your own coverage. Know your policy’s subcontractor insurance provisions and enforce them.

⸻

9️⃣ Permission to Occupy / Partial Occupancy

Construction projects are sometimes partially occupied before final completion. Most Builder’s Risk policies either terminate coverage or severely limit it once occupancy begins unless you notify the carrier and receive permission in writing. Confirm your policy includes a “Permission to Occupy” endorsement if this might occur.

⸻

🔟 Exclusion for Defective Workmanship

Virtually all Builder’s Risk policies exclude losses due to faulty workmanship, materials, or design. However, consequential damage resulting from these defects (like water damage from improperly installed roofing) may still be covered. Understand the extent of your workmanship exclusion and consider supplementing coverage with Contractor’s E&O or Faulty Workmanship endorsements where available.

⸻

💵 Two Ways to Structure Payment for Builder’s Risk Policies

Most Builder’s Risk policies in New York are structured as either:

1️⃣ One-Time, Upfront Payment

This is the most common method for ground-up construction projects. The contractor or project owner pays the entire premium for the term of the policy (typically 6, 9, or 12 months) before coverage begins. The advantage is simplicity and usually a slight cost saving compared to installment options.

⸻

2️⃣ Monthly Reporting Form

Ideal for contractors who build multiple projects throughout the year. You pay a deposit premium and then report monthly the total completed value of your projects, with the premium adjusted based on those reports. This keeps cash flow manageable and ensures you only pay for coverage when projects are active.

⸻

👷 Why Work with BGES Group: Construction Insurance Specialists

Navigating the complexities of Builder’s Risk insurance — especially in New York — requires expertise. That’s where BGES Group comes in. We specialize in insurance for contractors, developers, and construction professionals in the Tri-State area, including New York City, Long Island, Westchester, New Jersey, and Connecticut.

BGES Group has deep knowledge of:

• Builder’s Risk

• Commercial General Liability

• Excess Liability

• Workers’ Compensation

• Contractor Equipment Insurance

• And more.

We work with the top insurance carriers for construction coverage and can tailor policies to fit your project’s unique risks. Whether you’re building a single-family home, a commercial high-rise, or a multi-unit development, BGES Group ensures your policies are complete, compliant, and competitively priced.

⸻

📞 Contact BGES Group Today

BGES Group

Construction Insurance Specialists

📱 Gary Wallach

📞 914-806-5853

✉️ bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

⸻

✅ In Summary

A properly structured Builder’s Risk policy is one of the smartest investments a contractor can make. From soft costs to theft, ordinance coverage to subcontractor requirements, understanding your policy’s inclusions, exclusions, and restrictions can mean the difference between surviving a loss and going out of business.

Don’t leave your livelihood to chance. Contact BGES Group today and let us help you build a policy as solid as the structures you create.

In today’s competitive construction industry, it’s not enough for contractors to just keep busy — profitability is the name of the game. Smart contractors don’t just work hard, they work smart. Managing jobs efficiently, cutting unnecessary expenses, and protecting your business from costly risks can mean the difference between barely breaking even and building lasting wealth.

If you’re a contractor looking to increase your margins and improve cash flow, here’s your go-to list of the 10 best ways to be as profitable as possible — plus a bonus tip that could put thousands of dollars back in your pocket.

⸻

🔧 1️⃣ Bid Strategically — Not Cheaply

One of the fastest ways to shrink profits is by underbidding jobs just to win them. Profitable contractors:

• Know their numbers down to the penny.

• Include realistic labor, materials, overhead, and profit margins.

• Walk away from projects that don’t meet profitability standards.

Smart Move: Use estimating software and historical job cost reports to refine bids and protect margins.

⸻

🔧 2️⃣ Invest in Project Management Technology

Poor scheduling, miscommunication, and change order mistakes cost contractors thousands. Investing in project management apps like Procore, Buildertrend, or CoConstruct streamlines communication, tracks costs in real time, and prevents expensive mistakes.

Bonus: You’ll spend less time putting out fires and more time finding your next profitable job.

⸻

🔧 3️⃣ Build Strong Supplier Relationships

Material costs can make or break a job. Contractors who cultivate relationships with suppliers often get:

• Better pricing

• Priority delivery

• Access to hard-to-get materials in emergencies

Consider locking in prices on bulk materials to shield yourself from market fluctuations.

🔧 4️⃣ Manage Labor More Efficiently

Labor is one of your biggest expenses — and the easiest to mismanage.

Profitable contractors:

• Hire reliable, skilled workers.

• Cross-train employees to perform multiple tasks.

• Use scheduling software to reduce downtime.

• Offer incentives for productivity and safety.

⸻

🔧 5️⃣ Stay on Top of Change Orders

Change orders can be goldmines — or profit killers.

Protect yourself by:

• Requiring all changes to be in writing.

• Pricing them fairly and promptly.

• Sticking to clear contract language about handling changes.

If you’re doing extra work without extra pay, you’re donating profits.

⸻

🔧 6️⃣ Monitor Job Costs Daily

Waiting until the end of a job to check costs is too late.

Track labor, material, and overhead expenses in real time so you can make immediate corrections. Job costing apps like Knowify or QuickBooks Contractor Edition can help identify problem areas before they destroy your margins.

⸻

🔧 7️⃣ Reduce Overhead Expenses

Lean companies are profitable companies.

Look for savings in:

• Office rent

• Insurance costs (more on that later)

• Equipment rentals

• Marketing and advertising

Every dollar cut from overhead is a dollar added to your bottom line.

🔧 8️⃣ Focus on Niche Markets

Specializing in a niche allows contractors to charge premium rates and avoid competing solely on price. Whether it’s luxury kitchen remodels, medical facility build-outs, or custom concrete work, becoming the go-to expert means better clients and higher margins.

⸻

🔧 9️⃣ Prioritize Safety

Job site accidents are not only dangerous — they’re expensive.

Smart contractors implement strict safety programs, regular toolbox talks, and pre-job safety meetings. A solid safety record keeps your workers’ compensation premiums low and prevents costly downtime from injuries or OSHA violations.

⸻

🔧 🔟 Protect Your Business with the Right Insurance

Nothing kills profitability faster than an uninsured claim or lawsuit.

Profitable contractors partner with insurance experts to secure:

• Workers’ Compensation

• General Liability

• Umbrella/Excess Liability

• Commercial Auto

• Builders Risk

• Equipment Coverage

Not only does this protect against job-stopping claims, but it also improves client confidence and contract eligibility.

⸻

🎁 🔧 Bonus Tip: Save Up to 30% with BGES Group’s Payroll, Workers’ Comp, and Group Health Program

Here’s where you can really turbocharge your profitability: BGES Group offers a payroll, workers’ compensation, and group health program that can save contractors up to 30% annually.

How it works:

• Payroll services tailored for contractors, ensuring proper tax filings, certified payroll reports, and workers’ comp audits go smoothly.

• Workers’ Compensation Pay-As-You-Go programs so you only pay for actual payroll, not estimated premiums. This improves cash flow and eliminates year-end surprises.

• Group Health Insurance programs negotiated for construction companies, providing excellent coverage options at significantly reduced rates.

Contractors leveraging this program often see five-figure annual savings — money they can reinvest into equipment, marketing, or profit distributions.

⸻

🏢 Meet BGES Group — The Construction Insurance Specialists

For over 44 years, BGES Group has been the Tri-State area’s trusted advisor for contractor insurance programs. With a sharp focus on New York, New Jersey, and Connecticut construction businesses, they understand the unique challenges and risks of your trade.

✅ Why Contractors Choose BGES Group:

• 50+ Carrier Options: They shop your coverage with multiple carriers to get you the best rates.

• Construction Industry Focus: From general contractors to specialty trades, BGES knows the exposures and coverage contractors need.

• Claims Advocacy: If a claim occurs, BGES fights for fair settlements and helps control insurance costs.

• Specialized Programs: Including workers’ comp for tough industries, umbrella policies, and the 30% savings payroll/health plan.

They don’t just sell policies — they become part of your business strategy.

⸻

📍 Serving the Entire Tri-State Construction Market

BGES Group proudly works with:

• General Contractors

• Roofing & Siding Contractors

• Demolition Companies

• Concrete & Masonry Firms

• Mechanical, Electrical, and Plumbing Contractors

…and all construction trades throughout New York, New Jersey, and Connecticut.

⸻

📞 Contact BGES Group Today

Office: Larchmont, NY 10538

Phone: (914) 806-5853 (ask for Gary Wallach)

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

If you’re a contractor looking to improve profitability, cut insurance expenses, and protect your business, BGES Group is the partner you’ve been waiting for.

⸻

📣 Final Thought

Profit isn’t about working harder — it’s about working smarter. By applying these 10 strategies and tapping into BGES Group’s exclusive payroll, workers’ comp, and group health program, contractors can dramatically improve their bottom line.

Your profits are built by the decisions you make today. Make this one count.