When your General Liability, Umbrella Liability, and Workers Compensation policies come up for renewal, the choices you make can directly impact your bottom line, legal protection, and the stability of your business.
At BGES Group, we specialize in protecting New York contractors. For decades, we’ve helped contractors like you secure the right coverage, better pricing, and more reliable service. Our message is simple: don’t wait until the last minute—come to us at least three months prior to your renewal date for a free second review of your policies. You might be surprised at how much you’ve been overpaying or how exposed you are without realizing it.
Here are 15 reasons why New York contractors should partner with BGES Group:
1. Specialized Expertise in Construction Insurance
We don’t dabble in dozens of industries. We live and breathe contractor insurance, understanding the risks you face every day on job sites across New York.
2. Proactive Renewal Strategy
Waiting until the last minute can cost you tens of thousands. We start early—reviewing, quoting, and negotiating well in advance to deliver better coverage and lower premiums.
3. Workers Compensation Specialists
Workers comp is one of the most misunderstood and overpriced policies. We help contractors slash costs, eliminate surprises, and simplify audits.
4. Umbrella Liability Programs Tailored to Contractors
Many umbrella policies exclude coverage contractors assume they have. We make sure your umbrella actually sits on top of your liability policies, filling gaps instead of leaving you exposed.
5. Exclusive Market Access
As a respected broker, BGES Group has access to top insurance carriers and exclusive programs that most agencies can’t offer New York contractors.
6. Cost Savings Without Sacrificing Coverage
We know where insurance companies hide premium traps. Our job is to drive down costs while expanding your protection.
7. Protection Against Insurance Rate Increases
With renewals climbing every year, our strategy focuses on helping you avoid the sting of sudden rate hikes.
8. Contract Compliance Support
When owners, developers, or GCs demand specific insurance endorsements (additional insured, waiver of subrogation, primary & non-contributory), we make sure you’re in compliance, avoiding costly project delays.
9. Personalized, Hands-On Service
We don’t treat you like a policy number. With BGES Group, you get direct access to senior specialists, not call centers.
10. Claims Advocacy
Insurance is useless if claims are denied. We stand beside you, fighting for fast and fair claim settlements.
11. Avoiding Dangerous Policy Exclusions
Many contractors unknowingly buy policies full of exclusions that would never pay out. We scrutinize every word of your policy to prevent surprises.
12. Audit Preparation & Defense
Carriers love post-policy audits that result in massive additional bills. We prepare and defend you during audits, protecting your cash flow.
13. Protecting Your Reputation & Business Future
One uncovered claim can bankrupt a contractor. We shield your company’s assets and reputation so you can keep winning jobs.
14. Simplifying the Insurance Process
Contractors are busy. We cut the jargon and deliver clear, easy-to-understand insurance solutions so you know what you’re buying and why.
15. Trusted Partner in Growth
As your business grows, your risks grow too. We stay one step ahead, adapting your coverage so you’re always protected, whether you’re handling a $1M job or a $50M project.
Don’t Wait Until It’s Too Late
Insurance renewals are not something to gamble with. By coming to BGES Group at least three months before your renewal, you give us the time we need to deliver the best results. Contractors who wait until the last moment often get stuck paying inflated premiums or stuck with dangerous coverage gaps.
Protect your company. Protect your employees. Protect your future.
Contact BGES Group Today
📞 Call: (914) 806-5853 – Gary Wallach
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com
BGES Group – The Contractor’s Insurance Specialists.