If you’re a contractor Why is my insurance agent impossible to reach when I need them most?”
Or maybe this sounds familiar:
• “They charged me policy and service fees I didn’t even know about.”
• “Every time I call, I get a different account manager.”
• “It takes them forever to send out a certificate.”
• “They only call me when they want to renew my policy—or sell me something.”
Unfortunately, this is the standard experience for far too many contractors when it comes to their liability and workers compensation insurance.
You’re not asking for much—just someone who actually knows what they’re doing, answers the phone, helps when there’s an issue, and takes care of you like your business matters. Is that really too much to expect?
10 Complaints NY Contractors Have About Their Insurance Agencies
Here’s what we hear all the time from frustrated contractors:
1. No one answers the phone – You’re left chasing down your agent when you’re on a job and need help fast.
2. Delayed certificates of insurance – You lose out on jobs because the COI takes days to arrive.
3. No construction expertise – Your agent doesn’t understand how your policies work or what endorsements you really need.
4. Account executive turnover – The person handling your account keeps changing, and no one knows your business.
5. Hidden policy and service fees – You’re paying extra for “services” that should already be included.
6. Wrong classifications and audit issues – You’re overpaying or being hit with surprise bills at audit time.
7. Lack of proactive service – Your agent never checks in or offers suggestions to improve your coverage or pricing.
8. Poor claim support – When something goes wrong, you’re on your own dealing with the insurance company.
9. Overpriced policies – You’re not shopping the market, and your premiums are climbing each year.
10. General indifference – You feel like just another number in a huge agency that doesn’t care.
Does any of this sound familiar?
If so, it’s time for a change.
Meet BGES Group – The Insurance Partner You’ve Been Looking For
At BGES Group, we built our agency around solving all the problems listed above. Our mission is simple: Provide contractors with expert-level service, hands-on support, and honest, fair pricing—every single day.
We’ve been working with New York contractors for over 44 years. This is not a side hustle. Construction is our specialty. From general contractors to subcontractors in trades like masonry, carpentry, drywall, electrical, plumbing, excavation, roofing, and more—we know the coverages you need and the exposures you face.
Here’s what you get with BGES Group that you don’t get anywhere else:
• Fast, responsive service. You call—we pick up. You text—we answer. You email—we reply. Same day. Often within minutes.
• Certificates of Insurance in minutes. Not hours. Not days. You need to get on a job—we get it done.
• Construction insurance expertise. You’ll talk to someone who actually knows New York liability and workers comp, including contract requirements, policy forms, class codes, and audit processes.
• No service or policy fees. Ever. We make our money from the insurance companies—not by nickel-and-diming our clients.
• Stable account management. Your contact doesn’t change every few months. You deal with one point of contact who knows your account inside and out.
• Year-round support. We don’t just show up at renewal. We’re here all year to help with audits, changes, claims, contracts, and anything else you need.
• Aggressive pricing. We shop the market and know which carriers are giving the best deals to contractors—so you’re not overpaying.
• Help with audits and claims. We guide you through audits to avoid surprise charges and support you if a claim arises.
• Help with wrap-up, OCIP, and high-risk policies. We know how to handle the tough stuff other agents don’t want to deal with.
• A real relationship. We care about your business, and we act like it.
We Handle Both Liability and Workers Compensation—The Right Way
Too many agencies just throw policies together without explaining anything. We don’t work like that.
• For General Liability, we ensure you’re using the correct class codes, covered for subcontracted work, and not exposed to unnecessary exclusions (like labor law, residential exclusions, or action-over).
• For Workers Compensation, we’ll make sure your payroll is properly classified, help you avoid big audit bills, and connect you with pay-as-you-go or bundled payroll/comp solutions if you need them.
Not Just NY—We’ve Got You Covered Nationwide
BGES Group is based in New York and focuses heavily on the tri-state area (New York, New Jersey, Connecticut). But if you work in other states, or are expanding your operations, we can still help. In fact, for certain specialty programs—like combined payroll/workers comp setups—we work with partners who can assist contractors in all 50 states.
You Deserve Better—Let’s Talk
If you’re tired of insurance agents who don’t return your calls, give you the runaround, and make insurance more stressful than it needs to be, it’s time to see what a real construction insurance specialist can do for you.
We’ll review your current coverage, explain what you’re really paying for, and let you know if you’re getting a fair deal. There’s no pressure and no obligation—just solid advice from a team that knows your business and cares about helping contractors succeed.
Contact BGES Group Today:
Gary Wallach
📱 Phone: 914-806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: http://www.bgesgroup.com
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You don’t have to settle for slow service, confusing policies, or agents who disappear after they sell you a policy. At BGES Group, we do insurance the right way—fast, honest, and built for contractors like you.
Make the switch and see the difference for yourself.
Let BGES Group be the last insurance partner you ever need.