As a New York contractor, you know all too well how challenging it is to keep your business running smoothly while managing soaring insurance costs. With rising liability and workers’ compensation premiums, staying competitive can feel like an uphill battle. But what if there was a way to slash your insurance costs by up to 20%—or even more?
At BGES Group, we specialize in helping contractors like you save money, enhance coverage, and improve your cash flow. Let us show you how.
Access to the Best Liability and Workers’ Compensation Programs
One of the biggest challenges contractors face is being stuck with limited insurance options. Many brokers fail to shop the market thoroughly, leaving you with overpriced policies or inadequate coverage. BGES Group takes a different approach. We have access to all the best liability and workers’ compensation programs in the industry.
Whether you’re working on residential projects, high-risk operations like roofing or demolition, or something in between, BGES Group can tailor a program to fit your specific needs. Our goal is simple: take what you’re currently paying and strive to reduce those costs by up to 20% or more—without compromising the quality of your coverage.
Free Review of Your Current Program
Are you confident that your current insurance program fully protects your business? If not, you’re not alone. Many contractors discover too late that their policies have coverage gaps, leaving them exposed to costly claims.
At BGES Group, we offer a free review of your present insurance program. During this comprehensive review, we’ll identify any issues your broker may have overlooked, ensuring you’re not at risk of unexpected liabilities. If we find gaps or errors, we’ll point them out and provide actionable solutions. This isn’t just about saving you money—it’s about giving you peace of mind.
Get Money Back on Workers’ Compensation Overpayments
Did you know that you could be entitled to significant refunds on your workers’ compensation premiums? Most contractors are unaware that they’ve overpaid their workers’ compensation coverage going back as far as seven years.
BGES Group has a unique way to help you recover these overpayments. Imagine recouping $100,000, $200,000, or even more. That’s money that goes directly back into your business, reducing your cash flow outlay and giving you extra resources to invest in growth or operations.
Here’s how it works:
1. We review your past workers’ compensation policies and payments.
2. We identify errors, overcharges, or misclassifications.
3. We work with carriers to secure your refunds.
Recovering these funds is a game-changer, providing your business with financial flexibility while further lowering your insurance costs.
Other Ways to Reduce Your Insurance Costs
At BGES Group, we understand that reducing insurance costs isn’t a one-size-fits-all solution. That’s why we explore every opportunity to cut your premiums. Whether it’s negotiating better rates, bundling coverage, or adjusting policy terms to better suit your operations, we’ll find creative ways to help you save.
Sometimes, “skinning the cat” means looking at your entire risk management strategy. For example, ensuring proper subcontractor documentation or revisiting outdated classifications can significantly impact your bottom line. As experts in New York construction insurance, we have the knowledge and experience to guide you through these opportunities.
What Makes BGES Group Different?
BGES Group is not your average insurance agency. Here’s what sets us apart:
1. Boutique-Like Service – We’re a smaller agency, but that’s what makes us better. You’ll get hands-on attention from experts who know your industry inside and out.
2. Expertise in Construction Insurance – With decades of experience, we’ve worked with contractors across New York and the Tri-State area, from small operations to large-scale firms.
3. Nationwide Programs – While we specialize in New York, our programs extend nationwide, so if you have projects outside the state, we’ve got you covered.
4. Competitive Pricing – We pride ourselves on finding the best coverage at the most competitive rates.
5. Proactive Claims Support – If you experience a claim, our team is here to advocate for you, ensuring a smooth and fair resolution.
How to Get Started
At BGES Group, we’re here to make your life easier. Reducing insurance costs, improving coverage, and enhancing your cash flow are what we do best. Whether it’s liability insurance, workers’ compensation, or a combination of both, we’ll work tirelessly to find you the best possible solutions.
Ready to see how much you can save? Here’s how you can get started:
1. Call Us for a Free Insurance Review – We’ll analyze your current policies and look for savings opportunities and coverage improvements.
2. Discuss Your Workers’ Compensation Refunds – Let us investigate if you’ve overpaid in the past and get you the money you’re owed.
3. Explore New Insurance Programs – We’ll customize a program that fits your needs, reduces costs, and protects your business.
Contact BGES Group Today
Stop overpaying for insurance. Let BGES Group help you reduce your costs, protect your business, and improve your cash flow.
• Phone: Call Gary Wallach at 914-806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com
Don’t wait—reach out today and start saving money on your insurance!