Insurance Questions

Are You a Contractor Having any of the Following Issues with Your Liability and Workers Compensation Policies?

Insurance Questions

—>  (Before we get started we offer THE BEST contractor insurance programs for New York contractors.  We have fifty (50) companies to market your account to.  Insuring contractors is our #1 expertise.  We can get you excellent rates, coverage, offer subcontractor insurance screening, can help you with setting up safety manuals, subcontractor insurance and hold harmless agreements, bonding, your personal insurance and group health.)

General Liability:

  1. Is your policy preventing you from getting work?

  2. Does your policy have the following exclusions

    1. Contractual Liability

    2. Labor Law

    3. Employee Injury

    4. Height Limitation

    5. Type of work you are allowed to do

    6. No coverage for subcontractors unless they carry $2 million or more in liability insurance; carry contractual, primary/non contributory; additional insured; workers comp; list goes on

    7. Residential type work i.e Working in condominiums; conversions, etc. Other exclusions

  3. Do you have anyone screening your subcontractor insurance policies to make sure they’re carrying proper insurance and NOT voiding coverage under your policy?

  4. Is your policy based on gross sales which you feel is not fair because a big part of sales are materials?

  5. Aware of the exclusions under your Commercial Umbrella Liability Policy?  What coverage is afforded subcontractors?  Is there a height limitation?  Type of work limitations?   Residential exclusions?  Commercial work exclusions?  Exterior work exclusions (if you do interior work but use subs that do exterior, do you have coverage?)

  6. Because of the coverage limitations, exclusions, audits, rating structures, it is important that you work with a Construction insurance expert.  Most agents are generalists, NOT experts.  Do you feel that way about your broker and agency?

Workers Compensation:

  1. Unhappy with your pricing?

  2. Is your company auditors difficult to deal with?  Are you being charged the proper rates or is your company throwing all payrolls into the highest rated class codes?  Is your company adjusting your current year policy payrolls to reflect uninsured subcontractors picked up on last audit?  Is your company creating fictitious payrolls because your sales are too high?

  3. Are you N.Y. contractor operating in N.J. or C.T. for weeks at a time?  If so, there’s a 50% – 75% chance you DO NOT have the right coverage.  Can you afford paying an uncovered back injury claim for $100,000?

  4. Getting hit with large amounts due at audit time?

  5. When a claim is questionable (person comes to work and within days he gets injured) does your company investigate or just set up a large reserve?  Note this affects your Experience Modification Factor and pricing.

  6. When you have a problem can you get someone on the phone who gets things done to help you?

Here’s What We Can Offer You:

  1. The ability to get your account marketed to THE BEST construction insurance programs for New York contractors (we also cover New Jersey and Connecticut.)

  2. Unlike other agencies that sell policies with Labor Law, employee injury, no contractual liability, they do not even know or understand the exclusions in the policies they are selling, we do not offer such policies.  We offer quality coverage at best pricing.

  3. You will be able to get all coverages including property, inland marine, general liability, umbrella liability, business auto, workers compensation, N.Y.S. disability, bid & performance bonds, subcontractor screening, personal insurance and group health insurance through one agency.

  4. We have a team set up to do your certificates.  Certificate issuance turnaround is fast.

  5. Better Pricing – We has access to all the right companies.  We have purchasing   leverage (we do in excess of $140 million in construction business.)  Construction insurance is our #1 expertise.  You can only better your situation.

  6. Personalized service – You will have the names, phone numbers and email addresses of our team assigned to service your account.  You will also be able to contact your broker within seconds day or evening, Monday thru Sunday.

About BGES:


BGES Group’s office is a full service agency offering funding, property, liability, umbrella liability, auto, bid & performance bonds, inland marine, worker’s compensation, New York State Disability and health insurance coverages too.

BGES Group are worker’s compensation specialists (NY, NJ, CT) insuring contractors, limousine services, auto services, local truckers, manufacturers and staffing agencies (Note: we can insure any business).  Workers Compensation issues we address:  1) Lowering rates – our specialty programs have been able to save businesses up to 40%; 2) Being non renewed?  3) Audit disputes; 4) Lowering high experience modifications factors; 5) Misclassification of payrolls; 6) Lowering or eliminating renewal deposits; 7) Getting coverage when you’ve been without for a few months; 8) Covering multiple states under one policy; 9) Eliminating 10% service or policy fees; 10) Timely issuance of certificates; 11) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50 insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages to.

ALERT NEW JERSEY  & CONNECTICUT CONTRACTORS:  We have an extremely competitively priced General /Excess Liability program.  You want to lower these costs, get a quote today!  Call Gary Wallach at 914-806-5853 or click here.

To Speak With Us Call 914-806-5853, click here to email or click here to visit our website . or

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY  10538


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