If you’re a contractor in New York, you’ve probably experienced the frustration of working with insurance agencies that fail to meet your needs. It’s the same story over and over: you call your agency for help, and no one answers. Worse, when you do finally get someone on the line, it’s a person who is nice but takes forever to get you what you want. You deserve better. Let’s uncover some dirty little secrets about the insurance agencies that service contractors—and why it’s time to make a switch.
1. No One Answers the Phone When You Call
You’re in the middle of a project, facing a crucial insurance issue, and you can’t get anyone at your agency to answer the phone. This isn’t just frustrating; it’s a waste of your valuable time. Many agencies simply don’t prioritize their clients, leaving you in the lurch when you need them the most.
2. You’re Paying Too Much for Business Insurance
Let’s face it—contractors in New York are already paying a premium for business insurance. Between the high-risk nature of your work and New York’s regulatory environment, costs are high. But are you paying more than you should? Probably. Most agencies aren’t working hard enough to find you the best deal.
3. Exorbitant Service Fees: Agencies Add Thousands in Fees Without Transparency
Here’s a dirty little secret: many insurance agencies tack on extra service fees, sometimes in the thousands of dollars. These fees are often hidden, buried in paperwork, and totally unnecessary. The worst part? The agency is already being paid handsomely by the insurance companies they represent. So why are they squeezing more out of you? Greed.
4. Automatic Policy Renewals Without Considering Better Options
How many times has your agency automatically renewed your policies with the same companies, year in and year out? It’s easy for them, but it’s not always the best deal for you. Without actively shopping around for better coverage or lower rates, they’re letting you overpay for your insurance. Meanwhile, there are probably better options available that they’re just not bothering to find.
5. Inexperienced Account Executives Don’t Understand Policy Contract Language
Insurance isn’t simple, and most account executives at large agencies aren’t seasoned experts. Often, they lack the knowledge to fully understand the complex contract language of your policies, putting you at risk. This inexperience can lead to costly mistakes that affect your coverage in critical situations.
6. Inexperienced Staff Who Lack Real-World Knowledge
The sad truth is, many people who work at these agencies are inexperienced—both in book knowledge and real-world application. They might be able to quote you a price, but do they understand the unique risks you face as a contractor? Do they know how to tailor coverage to fit the specific needs of your projects? The answer is often no.
7. High Employee Turnover Means New Faces Who Don’t Know Your Account
Does it feel like every time you call, there’s a new person handling your account? That’s because many agencies have high employee turnover, which means people unfamiliar with your business end up servicing your account. It takes months—sometimes years—to build a solid working relationship with your insurance agent. But when that person leaves, you’re left starting over with someone new who doesn’t know the ins and outs of your coverage needs.
8. Agencies Don’t Bother to Check Your Policies When They Come In
When was the last time your agency really went over your policy details with you? Chances are, they didn’t. Many agencies don’t even check your policies thoroughly when they come in. This negligence could leave gaps in your coverage, and you might not even realize it until it’s too late—when you’re filing a claim.
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The Solution: Work with an Agency That’s There When You Need Them
If you’re tired of dealing with agencies that never answer the phone, employ inexperienced staff, and overcharge you, it’s time for a change. BGES Group is different. We offer the expertise, responsiveness, and street smarts that you deserve. When you work with BGES Group, you get:
– Experienced Account Executives who understand both insurance and the contracting business.
– Personalized Service with real people who know your account and are always available when you call.
– Competitive Pricing without hidden fees or automatic renewals that leave you overpaying year after year.
Stop paying exorbitant amounts for subpar service. Contact Gary Wallach at BGES Group today and experience the difference an expert agency can make.
Call Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com for help with your business insurance needs! Don’t settle for anything less than the best.
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
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