In the world of New York construction, insurance is more than a requirement — it’s a lifeline. Contractors work under some of the toughest regulations, highest labor costs, and most demanding jobsite standards in the country. When insurance goes wrong, everything goes wrong: delays, shutdowns, lost jobs, denied certificates, lawsuits, and endless frustration.

That’s why when New York contractors switch their general liability or workers’ compensation coverage to BGES Group, the feeling is immediate and powerful. For many, it’s the first time they’ve had an insurance partner who genuinely delivers what they’ve always wanted: trust, responsiveness, reliability, affordability, and peace of mind.

Below are 10 real feelings New York contractors experience once they start working with BGES Group—and why it changes the way they run their business.

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1. Trust — “I finally have someone who has my back.”

Trust is the foundation of every successful contractor–broker relationship. Most contractors have dealt with brokers who disappear, ignore calls, or rush through renewals. When they switch to BGES Group, that changes immediately.

Contractors feel trust because:

• Everything is explained upfront

• Certificates go out fast and accurately

• No surprises at audit

• No misleading promises

• No hidden fees or games

They know BGES Group is looking out for them—not the carriers.

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2. No Frustration — “Gary always answers his phone.”

This is the #1 reason contractors rave about BGES Group.

When they call, Gary actually answers—even nights, weekends, and holidays if needed. No voicemail. No “we’ll get back to you.” No waiting days for basic help.

This removes the single biggest frustration contractors deal with: being ignored.

With BGES Group, they feel relieved knowing:

• Problems get solved immediately

• Certificates are done quickly

• Issues don’t drag on

A real human answering the phone changes everything.

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3. Reliability — “I know everything will be done right.”

Contractors are constantly under pressure. The last thing they need is unreliable insurance.

With BGES Group, they feel steady and supported because:

• Renewals are proactive

• COIs are clean and accepted

• Endorsements match job requirements

• Claims are handled properly

This reliability keeps jobs moving and clients satisfied.

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4. Calm — “I don’t have to worry anymore.”

Insurance stress disappears once BGES Group takes over.

Contractors feel calm because they know their insurance is not:

• Lapsing

• Missing paperwork

• Overpriced

• Incorrect for their trade

Instead, everything is under control and monitored.

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5. Appreciation — “Someone finally cares about my business.”

Contractors often feel overlooked by big, factory-style brokers who treat them like policy numbers.

BGES Group gives them personal, attentive service, making them feel appreciated and respected.

They feel like their business matters — because it does.

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6. Confidence — “My coverage is right, and my certificates won’t get rejected.”

New York contractors can’t afford mistakes. A wrong endorsement or missing line on a certificate can shut down a job.

After BGES Group steps in, contractors feel confident because their coverage is:

• Compliant

• Properly structured

• Job-ready

• Easy to verify

Confidence translates into fewer delays and smoother operations.

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7. Financial Relief — “I’m finally paying a fair price.”

Contractors often feel penalized by the marketplace.

BGES Group works hard to:

• Shop the entire market

• Negotiate

• Improve risk profiles

• Fix classification mistakes

As a result, contractors feel relief when they see rates that actually make sense for their business.

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8. Support — “If something happens, I’m not alone.”

Claims, audits, and disputes happen.

What matters is how they’re handled.

Contractors feel supported because BGES Group helps with:

• Audit preparation

• Carrier disputes

• Claim follow-up

• Business growth planning

They know if trouble comes, they won’t be fighting it alone.

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9. Pride — “My company looks more professional now.”

Having strong insurance is a sign of a serious, trustworthy contractor.

With BGES Group, contractors feel proud showing clients:

• Accurate, fast certificates

• Comprehensive coverage

• A broker who stands behind them

They can bid higher-quality work with confidence.

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10. Optimism — “Now I can grow my company.”

When insurance no longer feels like a battle, contractors feel optimistic.

They start to think bigger:

• More projects

• More employees

• Bigger contracts

• New specialties

With BGES Group behind them, growth finally feels attainable.

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Why These Feelings Matter

When contractors feel trust, calm, and security, their business improves.

When they feel supported, appreciated, and protected, they take on more work.

When they feel confident and optimistic, they make smarter long-term decisions.

BGES Group isn’t just selling insurance—

they’re giving contractors the freedom to run their business without fear.

And in New York, that’s priceless.

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Contact BGES Group

If you’re a New York contractor who wants better service, better pricing, and a broker who ALWAYS answers the phone, reach out today:

BGES Group

Construction & Contractor Insurance Specialists

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

BGES Group — Trust, reliability, and real support for New York contractors.

Running a contracting business in New York isn’t for the faint of heart. You’re juggling tight deadlines, unpredictable weather, demanding clients, strict safety standards, and some of the toughest insurance requirements in the country. So when a contractor finally finds an insurance partner who gets it—who actually listens, fights for their rates, protects their business, and answers their phone—it changes everything.

That’s why so many New York contractors say the same thing after switching to BGES Group:

“I feel like someone finally has my back.”

In this article, we break down 10 real emotions contractors experience after purchasing their liability or workers’ compensation insurance through BGES Group—and why these emotions matter for their business, their crews, and their future.

1. Relief — “I’m finally not overpaying for my insurance.”

New York contractors often feel like they’ve been trapped in a cycle of ever-increasing premiums. When they move to BGES Group, the first feeling that hits them is relief—relief that someone shopped the entire market, fought for competitive pricing, and explained exactly why they got the rate they did.

For many, this is the first time they’ve seen pricing that makes sense for their operation.

2. Confidence — “My coverage is solid. I don’t have to worry.”

Contractors want to know their insurance actually protects them—not just checks a box.

With BGES Group, they feel confident that:

• Their policies meet all New York’s strict requirements
• Certificates will not be rejected by GCs or building owners
• Their coverage limits and endorsements are correct
  This confidence saves headaches, protects jobs, and prevents costly shutdowns.

3. Trust — “I finally have an insurance partner, not a salesperson.”

Contractors often complain that brokers disappear after they get paid. BGES Group is the opposite.

Clients say they feel trust because:

• Calls and texts get answered instantly
• Issues get solved fast
• Coverage is explained in simple language
• Their business is treated like a priority
  Trust is everything when your business is on the line.

4. Security — “My business, my family, and my future are protected.”

Insurance isn’t just paperwork—it’s financial protection.

Contractors feel security knowing BGES Group helped them put strong coverage in place so that:

• A claim won’t wipe them out
• Their employees are protected
• Their assets, vehicles, and tools are covered
• Their company is prepared for growth
  This sense of security is priceless.

5. Appreciation — “Someone actually cares about my company.”

Too many brokers treat contractors like just another policy number.

BGES Group’s hands-on service makes clients feel truly appreciated.

They feel that their broker cares about:

• Their safety practices
• Their business success
• Their renewal strategy
• Their long-term relationship
  It feels good to be valued.

6. Empowerment — “Now I actually understand my insurance.”

Contractors often admit they never fully understood their policies because no one ever explained them.

After working with BGES Group, they feel empowered because they finally know:

• What they’re paying for
• What protections they really have
• How to prevent problems with GCs, auditors, or carriers
  Knowledge equals control—and contractors love that.

7. Support — “When something happens, BGES Group is there.”

Claims happen. Audits happen. Jobsite issues happen.

When they do, contractors want someone who will fight for them.

Clients feel supported because BGES Group:

• Helps prepare for audits
• Jumps in quickly on claims
• Helps negotiate disputes
• Communicates with carriers directly
  This support saves money, time, and stress.

8. Pride — “My company looks more professional with proper insurance.”

Insurance isn’t just a requirement—it’s a signal that a contractor runs a real, dependable business.

With BGES Group, contractors feel proud because they can show GCs and clients:

• Clean certificates
• Strong coverage
• Reliable paperwork
  It makes them stand out in a crowded New York market.

9. Optimism — “My business can grow now.”

When insurance is handled properly, contractors feel optimistic, because they can:

• Bid bigger jobs
• Add workers
• Expand into new trades
• Take on new clients
  Good insurance opens doors—and contractors feel the possibilities.

10. Peace of Mind — “I can finally focus on my work, not my insurance.”

At the end of the day, every contractor wants the same thing:

To stop worrying about insurance and get back to building.

BGES Group gives them real peace of mind.

No more stress.

No more confusion.

No more uncertainty.

Just confidence, protection, and a partner who always answers the phone.

Why New York Contractors Choose BGES Group

Because they want:

✔ Better coverage

✔ Better pricing

✔ Better service

✔ A broker who fights for them

✔ Someone who picks up the phone

✔ Experience with NY construction insurance

✔ A long-term relationship, not a transaction

And because after they switch…

they actually feel good about their insurance.

Contact BGES Group

If you’re a New York contractor and want better insurance, better rates, and better service, reach out today:

BGES Group

Construction & Contractor Insurance Specialists

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Protect your business. Protect your workers. Protect your future.

BGES Group is here to help.

For Tri-State business owners, shopping for business auto insurance can be one of the most stressful responsibilities on their plate. Between comparing confusing quotes, dealing with brokers who lack urgency, and worrying about whether the coverage really protects them, it’s no surprise many owners feel overwhelmed by the process.

But something changes the moment they partner with BGES Group.

That stress disappears. Instead of feeling like they’re navigating the insurance highway alone, they suddenly feel supported, informed, guided, and protected. And there’s a powerful reason for that:

BGES Group has partnered with one of the strongest, most reliable, service-driven auto insurance organizations in the Tri state area.

Together, the combined expertise, customer service, and protection these two organizations deliver gives business owners something rare—true peace of mind.

Business owners begin feeling completely different about their insurance once the policy is secured.

Below are 10 things Tri-State business owners feel after buying their business auto insurance with the help of BGES Group—and why so many say they wish they found BGES years earlier.

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1. They Feel Total TRUST in the Process

The first emotion almost every business owner expresses is trust.

BGES Group doesn’t push policies or rush quotes. They take the time to understand the business, the vehicles, the drivers, the exposures, and the budget.

Combine that with their partnership with a highly reputable auto insurance organization, and business owners immediately sense that the advice is sound, the coverage is correct, and nothing is being overlooked.

They walk away feeling, “This is the right fit—and the right team.”

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2. They Feel RELIEF Knowing They Have Two Organizations Protecting Them

It’s not just BGES Group looking out for them.

It’s BGES Group plus the exceptional auto insurance organization they’ve partnered with.

Business owners appreciate that it’s not just one set of eyes on their account—but two.

Two teams.

Two lines of defense.

Two groups ensuring accuracy, service, and protection.

That double layer of support brings a level of relief they haven’t felt before with insurance.

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3. They Feel CALM Because Gary Always Answers His Phone

One of the most stressful parts of business insurance is feeling like your broker vanishes once the policy is written.

But with BGES Group, that never happens.

When business owners call, Gary answers.

And if he can’t answer that second, he calls back fast.

That level of responsiveness is almost unheard of today, and owners feel a deep sense of calm knowing they can get help immediately—not two days later.

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4. They Feel SAFE Because Their Policy Was Set Up Correctly

Every business owner fears learning—usually after an accident—that something was missing.

But BGES Group, backed by a strong insurance partner with exceptional underwriting and service standards, ensures all details are correct:

• Proper vehicle classification

• Right liability limits

• Hired and non-owned auto coverage

• Comprehensive and collision needs

• Driver list accuracy

• Commercial use verification

• Additional insured requests

When the documents come in, business owners feel safe because everything is done right the first time.

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5. They Feel RESPECTED—Not Treated Like a Number

Big factory-style brokers often make owners feel small.

Long waits… rushed calls… constantly changing account reps… lack of understanding… all contribute to the feeling of being “just another account.”

BGES Group is the opposite.

They treat every business owner with personal respect. They take their time. They explain. They listen.

And the insurance company partner they work with brings the same service-first approach.

The result? Business owners feel valued—not brushed aside.

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6. They Feel GRATITUDE for Finally Finding a Broker Who Actually Helps

Owners often say:

“No broker has ever helped me this way before.”

That’s because BGES Group provides real service—the kind that saves owners time, money, and headaches:

• Fast certificates

• Quick endorsements

• Immediate issue resolution

• No voicemail mazes

• No passing the account to strangers each year

That level of hands-on support makes owners feel grateful that they finally found a broker who puts them first.

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7. They Feel CONFIDENT That Their Business Is Protected from Road Risks

Vehicles are one of the biggest exposures a business can have.

Every mile driven carries financial risk.

With BGES Group and their partnered auto insurance organization, owners feel confident that:

• Accidents are handled quickly

• Claims are managed properly

• Their limits are strong enough

• Their business is protected from lawsuits

• Their drivers and vehicles have proper coverage

Confidence replaces the fear they once had dealing with insurance alone.

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8. They Feel the FRUSTRATION Fade Because the Process Is So Easy

No confusing forms.

No unclear instructions.

No endless back-and-forth.

BGES Group makes the process simple—even enjoyable.

And the partner carrier they work with brings streamlined systems, fast turnaround, and organized workflows.

Together, they create a smooth, efficient experience that removes frustration and replaces it with clarity.

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9. They Feel SUPPORTED Whenever a Claim or Accident Happens

When a vehicle is involved in an accident, emotions run high.

Business owners fear slow responses, unreturned calls, and messy claims.

But with BGES Group and their insurance partner, owners feel supported from start to finish.

They get:

• Guidance on filing the claim

• Follow-up with adjusters

• Help gathering documents

• Advocacy if anything gets delayed

It’s reassuring for business owners to know they have a team—not just a policy.

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10. They Feel They Finally Found Their Long-Term Insurance Home

The biggest feeling of all?

A sense of permanence.

Owners feel like they’ve finally found:

• A broker who cares

• An insurance company that delivers

• A partnership built around service

• A long-term solution—not a temporary fix

They no longer have to dread annual renewals, unexpected changes, or being tossed around by inexperienced reps.

Instead, they feel settled… supported… protected… and at home.

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Final Thoughts

For Tri-State business owners, business auto insurance doesn’t have to be stressful, confusing, or unpredictable.

When they work with BGES Group, backed by a strong auto insurance organization committed to service and reliability, owners finally feel the protection, clarity, and peace of mind they’ve always wanted.

This is more than insurance.

It’s a partnership—one that keeps businesses, vehicles, drivers, and owners protected every mile of the way.

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Contact BGES Group

For business auto insurance done right—and supported by two exceptional organizations—contact:

BGES Group

Gary Wallach

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Proudly helping Tri-State business owners protect their vehicles and their businesses with unmatched service and expertise.

Thanksgiving is a special time—family comes together, great food fills the table, and everyone settles in for a day of gratitude, warmth, and laughter. And who better to bring the laughs than the contractor in the family? Contractors are known for fixing problems, building solutions, and keeping cool under pressure—even when the turkey timer goes off unexpectedly. This year, give your family something extra to smile about with these 20 clean, light-hearted Thanksgiving jokes made just for contractors.

Share them around the table, between courses, or right after Grandpa’s third plate. They’re made for all ages, avoid sarcasm, and are dinner-table safe. So grab your fork, pass the stuffing, and get ready to be the official Thanksgiving comedian.

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20 Jokes to Build Thanksgiving Laughter

1. Why did the contractor bring a hammer to Thanksgiving dinner?

Because someone said the turkey needed to be “tenderized,” and he took it literally!

**2. Why do contractors love Thanksgiving so much?

Because it’s the only time they get paid in turkey instead of change orders!

**3. What do you call a contractor who carves the turkey perfectly?

A precision cut specialist.

**4. Why did the contractor inspect the stuffing?

He wanted to make sure it was up to code.

**5. Why don’t contractors argue on Thanksgiving?

Because everyone agrees the gravy should flow freely.

**6. What did the contractor say when the kitchen lights went out during dinner?

“No problem—this is just a temporary power outage. Call it ambiance!”

**7. Why was the contractor not worried about burning the turkey?

He already submitted a turkey fire prevention plan.

**8. What do contractors and Thanksgiving cooks have in common?

They both know how to turn chaos into something beautiful.

**9. What did the contractor say about the giant turkey?

“Looks like a load-bearing bird.”

**10. Why did the contractor measure the cranberry sauce?

He wanted to make sure it met the level spread standard.

**11. Why did the contractor bring a blueprint to the dinner table?

To plan out the most efficient route for seconds.

**12. What did the contractor say when the pumpkin pie was served?

“That’s what I call a perfectly finished surface.”

**13. Why did the contractor compliment the mashed potatoes?

Because they were smooth, seamless, and free of cracks.

**14. Why don’t contractors ever get lost on Thanksgiving?

They always follow the floor plan from the dining room to the dessert table.

**15. Why was the contractor the first one to fall asleep after dinner?

He followed the official Thanksgiving shutdown procedure.

**16. What did the contractor call the kids’ table?

The junior apprentice station.

**17. Why did the contractor refuse to cut the turkey at an angle?

He only works with straight, clean cuts.

**18. What do you get when a contractor cooks Thanksgiving dinner?

A meal that comes with a one-year workmanship warranty.

**19. Why did the contractor inspect the dinner table legs?

He wanted to make sure the load capacity matched the amount of food.

**20. Why did the contractor smile when everyone went back for thirds?

He loves seeing a job well done.

Building Memories That Last

Thanksgiving is more than just a holiday—it’s a reminder of everything we’re grateful for: family, friends, health, good food, and the people who stand with us all year long. Contractors rarely slow down, so this once-a-year pause means even more. It’s a chance to sit back, laugh with loved ones, and reflect on everything we’ve built together—whether it’s homes, businesses, relationships, or communities.

Jokes might seem small, but they help create memories around the table that live long after the last slice of pie is gone. When you share these lighthearted contractor-themed jokes, you’re not just making people smile—you’re helping construct the kind of Thanksgiving moment your family will look back on and remember fondly.

This year, take pride not only in the work you do, but in the joy and humor you bring to your home. A few laughs can build bridges faster than any construction crew.

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Warm Thanksgiving Wishes From BGES Group

On behalf of BGES Group, we want to wish you and your entire family a warm, happy, healthy, and blessed Thanksgiving. Whether you’re spending it at home, with extended family, on a jobsite break, or hosting a house full of relatives, we hope your table is full, your heart is light, and your day is filled with gratitude and peace.

Contractors work hard all year, often seven days a week. You deserve this day to relax, eat well, laugh a lot, and enjoy the people who matter most.

If you ever need help with better liability or workers’ compensation coverage, a more responsive insurance partner, or someone who truly understands contractors, BGES Group is here for you.

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BGES Group Contact Information

BGES Group

Specialists in New York Construction Insurance & Workers’ Compensation Insurance

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

If you’re frustrated with your Workers’ Compensation pricing, exhausted by endless audits, confused by changing rules, or disappointed in the service you’re getting from your broker, you’re not alone. In fact, business owners across the Tri-State area are dealing with unprecedented changes in the Workers’ Compensation marketplace—especially in New York.

The good news? You don’t have to settle for high premiums, sloppy audits, poor service, or inflexible programs. You have options—powerful ones. You just need the right advocate in your corner.

That’s where we come in.

BGES Group is one of the Tri-State area’s leading Workers’ Compensation Specialists. Think of us as your personal Workers’ Comp encyclopedia. We know every rule, every loophole, every credit, and every strategy that can legitimately work in your favor. And in many cases, we help businesses save 20% or more—sometimes much more.

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The New York Workers’ Compensation Shake-Up of 2025: What You Need to Know

The Workers’ Compensation landscape in New York has shifted dramatically. One major insurance company—known for being aggressively competitive with contractor policies over the past few years—is now non-renewing all of its contractor accounts. That means hundreds of contractors are suddenly scrambling for coverage.

On top of that, Experience Modification Factors (Mods) are changing significantly. A high Mod can drive premiums through the roof, and without the right plan, many companies will find themselves blindsided by rising costs.

So what can you do?

Simple: call one of New York’s most experienced Workers’ Compensation specialists—Gary Wallach, available Monday through Sunday at 914-806-5853. Whether you need Plan A, Plan B, or a complete overhaul, this is the time to get expert guidance.

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How BGES Group Solves Your Workers’ Compensation Problems

Every business is different—but almost every business eventually runs into Workers’ Comp headaches. Here are the issues we solve every day:

✔ Hard-to-Place Businesses

Are you in a high-risk industry? Struggling to find a carrier who will take your business?
We work with up to 10 carriers, including companies that specialize in poor loss histories and high-risk operations. If others have turned you away, don’t worry—we have options.

✔ Audit Disputes

Did your carrier make a mistake?
Is your audit wrong or inflated?
We can fight to correct errors—or get you into a new program that gets you out of a bad situation fast.

✔ Sick of Annual Audits?

Depending on your state and carrier, we may be able to avoid annual audits entirely, or shift you to programs requiring minimal documentation.

✔ Bad Loss Experience

Two clients with over $1 million in losses each ended up paying lower rates with us—even after being canceled by their previous carriers. We know which carriers will work with tough histories.

✔ Being Cancelled?

We can typically replace a cancelled policy within 1–2 days.

✔ High Experience Mod?

We offer programs that can offset high Mods with credits—giving you better rates even when your Mod is less than ideal.

✔ Misclassified Payroll

Wrong class codes can cost you a fortune.
We know how to get your carrier to reclassify payrolls correctly.

✔ Unhappy with Your Payroll Company?

We can find lower payroll fees and lower Workers’ Compensation rates—plus better service.

✔ Hate Paying Fixed Premiums?

We offer monthly payroll-reporting plans where you pay only for what you report.
Lean months = lower premiums = improved cash flow.

✔ Tired of Renewal Deposits?

Some programs require no renewal deposit after the first year.

✔ Done Paying $1,000+ Broker Fees?

We offer no policy fee and no service fee programs—while still providing first-class service, day and evening.

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Whatever Your Issue—We Handle It.

Tell us what’s wrong and we’ll find a solution.
Tell us what you want done and we’ll create a path to make it happen.

Workers’ Compensation shouldn’t be a burden. It shouldn’t drain your cash flow, waste your time, distract you from running your business, or lock you into inflexible, overpriced programs.

Let us take your headaches—and make them ours.

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Why Companies Choose BGES Group

We specialize in Workers’ Compensation for New York, New Jersey, and Connecticut, handling issues such as:

1. Lowering pricing—specialty programs can save up to 40%
2. Finding new carriers
3. Replacing cancelled or non-renewed policies
4. Correcting audit disputes
5. Fixing fabricated payroll issues at audit
6. Reducing high Experience Mods
7. Fixing payroll misclassification
8. Reducing or eliminating renewal deposits
9. Getting coverage after a lapse
10. Covering multiple states under one policy
11. Eliminating 10% service or policy fees
12. Ensuring certificates are issued fast and correctly
13. Always being reachable when you need us

You won’t get voicemail prisons, week-long delays, or disappearing brokers. Our clients get real support, real expertise, and real savings.

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About BGES Group

BGES Group is one of the most knowledgeable and service-focused Workers’ Compensation specialists in the Tri-State region. With decades of hands-on experience, an unmatched understanding of Workers’ Compensation rules, and deep relationships with top carriers, we help companies stay protected, compliant, and cost-efficient.

Contact Information

BGES Group
216A Larchmont Acres West
Larchmont, NY 10538
Phone: 914-806-5853
Email: bgesgroup@gmail.com
Website: www.bgesgroup.com

If you’re frustrated, confused, or overwhelmed by your Workers’ Compensation situation, you don’t have to stay stuck.
Call Gary Wallach today—and get the clarity, options, and savings you deserve.

Mental health has rapidly emerged as one of the most pressing — and least addressed — challenges in the construction industry. While contractors across the country have invested heavily in reducing physical hazards, improving jobsite protocols and creating stronger safety cultures, an invisible threat continues to take its toll on workers: stress, anxiety, depression and burnout.

A new national survey of more than 2,000 construction workers and executives confirms what many in the field have sensed for years. Nearly two-thirds of U.S. construction workers say they have experienced anxiety or depression within the past year, highlighting an alarming trend that affects not only workforce well-being but also safety, productivity and project outcomes.

This issue is no longer something companies can afford to overlook. OSHA now identifies workplace stress and mental health as major safety concerns, underscoring their impact on injuries, decision-making, absenteeism and long-term health. If construction firms want to protect their workers and maintain efficient operations, mental health must take its place alongside hard hats, fall protection and jobsite training as a core safety priority.

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How Mental Health Directly Impacts Safety and Job Performance

Construction is already one of the most physically demanding and high-risk occupations in the country. Add untreated mental health challenges, and the danger escalates significantly.

According to OSHA:

• Stressed or fatigued workers are far more likely to overlook hazards, make poor decisions or take shortcuts — leading to falls, struck-by incidents and other serious jobsite injuries.
• Long-term stress can cause heart disease, high blood pressure, chronic pain and sleep disruptions, reducing workers’ physical ability to perform safely.
• Anxiety and depression impair concentration, motivation and judgment, undermining quality of work and increasing the odds of errors.
• Workers struggling silently with mental health problems are also more likely to miss work, driving up absenteeism and disrupting project schedules.

Simply put: when a worker’s mind isn’t well, their body — and everyone around them — is at greater risk.

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What the New Clayco Survey Reveals

The Clayco survey sheds important light on the day-to-day mental health realities construction workers face:

• 64% experienced anxiety or depression in the past 12 months.
• 47% said the physical demands of the job were a major source of stress.
• 42% pointed to poor work-life balance.
• 41% cited relentless deadlines.
• 36% missed work specifically because of mental health concerns.
• 45% said they would feel ashamed discussing mental health, addiction or suicidal thoughts with coworkers.
• 37% of workers who did seek mental health services reported discrimination or unfair treatment afterward.

The stigma is real — and dangerous. Workers fear being seen as weak, unreliable or unfit for duty. That silence can prevent someone from seeking help until a crisis occurs.

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What Construction Leaders Can Do Today

The construction industry is uniquely positioned to make a difference. With strong leadership and consistent communication, companies can create safer, healthier, more supportive environments. Here are proven steps organizations can take:

1. Treat Mental Health as a Core Safety Priority

Put mental health on equal footing with physical safety hazards. Incorporate it into:

• Safety policies
• Job hazard analyses
• New-hire orientations
• Toolbox talks

Supervisors should understand that fatigue, distraction and stress are risk factors — just like unguarded machinery or exposed edges.

2. Train Supervisors to Recognize Early Warning Signs

Frontline leaders should be equipped to spot:

• Changes in behavior or mood
• Withdrawal from coworkers
• Irritability or anger
• Signs of substance misuse
• Sudden drops in performance

OSHA and other organizations offer mental health conversation tools and supervisor guides to help managers approach these situations with empathy.

3. Make Mental Health Resources Easy to Access

Audit your company’s offerings:

• Employee Assistance Programs (EAPs)
• Telehealth counseling
• Crisis hotlines
• Wellness programs
• Health plan coverage

Promote these resources openly. Post information in break areas, include reminders in pay stubs and reinforce confidentiality during meetings.

4. Reduce Stigma Through Leadership Example

When executives and supervisors speak candidly about their own stress, burnout or use of counseling, it normalizes the conversation. Workers take cues from the top — vulnerability is powerful.

5. Address Jobsite Stressors You Can Control

Construction is demanding, but not all stressors are unavoidable. Companies can:

• Review and adjust project schedules
• Reduce excessive overtime
• Improve staffing levels
• Rotate assignments requiring extended travel
• Ensure workers can take breaks and time off without penalty
• Set more realistic deadlines and provide recovery periods

Small adjustments can make a big difference in workers’ mental resilience.

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The Bottom Line

The mental health crisis in construction is real — and growing. But it is also preventable. By prioritizing mental well-being as part of a comprehensive safety culture, construction firms can reduce injuries, improve productivity, retain skilled workers and create environments where people feel valued, supported and safe.

Addressing mental health doesn’t just protect workers — it protects companies.

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About BGES Group: Protecting Contractors and Their Workers

At BGES Group, we understand the challenges construction businesses face every day — from managing risk and securing affordable insurance to protecting workers on and off the jobsite. We specialize in:

• Workers’ compensation solutions
• High-risk and hard-to-place accounts
• Construction and contractor insurance
• Safety guidance and compliance support
• Personalized service with fast turnaround

Our mission is simple: help contractors operate safely, stay compliant and save money, while ensuring their employees get the protection they deserve.

If your company is facing workers’ compensation issues, coverage gaps or rising premiums — or if you simply want a second opinion — we’re here to help.

Contact BGES Group – Gary Wallach

📞 (914) 806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

We help contractors build with confidence — safely, securely and with the right protection behind them.

Are you a New York, New Jersey, or Connecticut contractor tired of the constant headaches that come with payroll and workers’ compensation? Sick of premiums that go up every year, audits that never end well, and brokers who don’t return calls once the policy is sold?

If you’re a Tri-State contractor looking for a new payroll and workers compensation company, there is a solution — one that brings coverage stability, pricing stability, and long-term cost control regardless of whether you’re a GC, specialty contractor, or construction services company.

For contractors overwhelmed by rising rates, misclassification issues, audit surprises, and lack of support, this type of integrated payroll/workers comp program may be the most transformative business decision you make this year.

Below are 10 major benefits of enrolling in this unique national program — without naming the company — that thousands of contractors rely on for predictable workers’ comp pricing, smoother payroll operations, and lower long-term costs.

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🔟 Ten Benefits of This Elite Payroll + Workers Comp Program (Without Naming the Provider)

1. True Long-Term Pricing Stability

Instead of unpredictable yearly renewals, this program offers multi-year stability, meaning your pricing doesn’t suddenly skyrocket because of one bad year, market changes, or a carrier pulling out of the state. Contractors who want predictable costs year after year rely heavily on this structure.

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2. More Lenient Underwriting for Construction Classes

Most carriers avoid or surcharge high-risk classes like roofers, framers, demo, concrete, or certain subcontractors. This program is known for accepting tough construction classes that others decline, helping contractors who can’t find affordable coverage anywhere else.

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3. Smoother Cash Flow With Pay-As-You-Go

Premiums are based on actual payroll each pay cycle — not inflated estimates. That means:

• No large down payments

• No big audits

• No surprise additional premiums

Cash flow becomes easier and more predictable.

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4. Protection From the Volatile Assigned Risk Pool

Many contractors stuck in the NY, NJ, or CT assigned risk pool pay some of the highest rates in the country. This program gives you an avenue out of the pool and into a stable, long-term solution with more favorable pricing.

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5. Audit Relief

Contractors often face audits resulting in tens of thousands in additional premiums. This program’s structure dramatically reduces audit disputes, paperwork, and retroactive charges. Many companies experience audit-free operations with no year-end surprises.

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6. A Dedicated Claims Management Team

Instead of being handed off to a large claims department that treats you like a number, this program assigns:

• Experienced claims handlers

• Proactive injury management

• Genuine return-to-work strategies

• Early intervention to keep claims from spiraling

Contractors often see a significant drop in claim severity and claim duration.

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7. Built-In Safety Support

The program includes access to:

• Safety consulting

• Jobsite guidance

• OSHA compliance help

• Loss-control reviews

This leads to fewer injuries, lower long-term premiums, and a safer workforce—especially for busy contractors who can’t manage safety alone.

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8. A True Partnership—Not a “Sell & Forget” Policy

Many traditional brokers write a policy and disappear until next renewal. This program offers ongoing service throughout the year, including:

• Payroll support

• Workers comp guidance

• Claims strategy

• Carrier communication

Contractors finally feel like someone has their back.

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9. Incredible Fit for Contractors With Growth Plans

If you’re expanding into new states, adding crews, or taking on bigger jobs, this program scales with you. It’s designed to help contractors grow without triggering huge premium increases or underwriting restrictions.

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10. Lower Long-Term Workers Comp Costs

Because of:

• Stable pricing

• Fewer claim spikes

• Better loss control

• Long-term rating strategies

Most contractors see dramatic improvement in their cost trajectory compared to standard comp programs. Over a 3–10 year period, this program often outperforms traditional workers’ comp and payroll arrangements.

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Why Tri-State Contractors Are Switching Now

Construction companies across NY, NJ, and CT are dealing with:

• Rate increases

• More carriers leaving the market

• Stricter underwriting

• Tougher audits

• Higher Experience Mods

• Rising claims costs

This payroll + workers comp program is one of the very few that protects contractors from market chaos. It’s stable, heavily funded, and designed for long-term partnership—something many contractors say is nearly impossible to find today.

If your current payroll or workers comp setup isn’t delivering the stability or service you need, it may be time to explore a better option.

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About BGES Group — Construction Insurance Specialists

BGES Group specializes in helping New York, New Jersey, and Connecticut contractors get better workers compensation and liability programs—especially when other brokers fail to deliver.

We work closely with contractors who:

• Are unhappy with their current workers comp carrier

• Need better payroll integration

• Have higher-risk construction class codes

• Are stuck in assigned risk

• Want multi-year pricing stability

• Want better claims management

• Want a broker who returns calls and fights for them

If you want a program that brings stability, protects your business, and lowers long-term costs, reach out anytime.

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📞 Contact BGES Group

BGES Group

Construction Insurance & Workers Compensation Specialists

Contact: Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

New York contractors operate in one of the most heavily regulated, high-risk construction environments in the country. Between strict labor laws, aggressive claim activity, rising premiums, and contract requirements that can make or break a job, contractors constantly face insurance challenges that threaten their profitability — and sometimes their survival.

Below are the five biggest business insurance concerns New York contractors deal with every single day… and what you can do to stay protected.

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1. Out-of-Control Workers’ Compensation Costs

Workers’ compensation in New York is notoriously expensive — especially for construction classes. Many contractors see premiums increase year after year, even when they have no large losses. Common reasons include:

• Misclassified payroll

• Carriers increasing rates for specific construction trades

• Experience modification factors (“mods”) rising unfairly

• Poorly documented subcontractor certificates

• Carriers unwilling to write or renew coverage

A huge concern is unexpected audits. Contractors often get hit with large additional premiums because payroll didn’t match estimates, the carrier changed classification codes, or subcontractor documentation was missing.

Solution: Work with a specialist who manages classification, audit preparation, subcontractor tracking, and compliance so your costs stay predictable.

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2. Labor Law Exposure — The Silent Killer

New York Labor Law §§ 240(1), 241(6), and 200 create strict liability for contractors and property owners when a worker falls or is injured on the job. This means:

• Even if the contractor isn’t directly responsible, they may still be held liable.

• Claims regularly reach seven-figure payouts.

• Many insurance carriers avoid New York construction risks because of this alone.

Contractors constantly worry whether their General Liability policy truly covers them — and whether exclusions like Action Over, Height Work, or Subcontractor Injury will gut their protection.

Solution: Ensure your GL policy specifically covers Labor Law exposure, has no harmful subcontractor exclusions, and is placed with a carrier that truly understands New York construction.

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3. Incomplete or Incorrect Additional Insured Coverage

This is one of the top reasons contractors lose jobs or face lawsuits they thought they were protected from.

General contractors and property owners require:

• Additional Insured status

• Primary & Non-Contributory wording

• Waivers of Subrogation

• Completed Operations coverage

• Ongoing Operations coverage

• Specific endorsements aligned with the contract

If a contractor fails to meet these exact requirements, they may be kicked off the job… or forced to pay a claim that should have been covered.

Solution: Have your insurance specialist review every contract before you sign it, and ensure endorsements match contractual language line-by-line.

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4. Subcontractor Risk — The Hidden Landmine

Most lawsuits involving contractors begin with something a subcontractor did — or failed to do. Common problems include:

• Uninsured or underinsured subs

• Subs providing fraudulent certificates

• Policies with dangerous exclusions

• Subs cancelling policies mid-job

• Lack of contractual hold-harmless agreements

If a subcontractor injures someone and they don’t have the right insurance, the general contractor is usually held responsible, even if the GC had nothing to do with the accident.

This becomes even more dangerous because many insurance carriers will deny coverage if subcontractors are not properly insured and documented.

Solution: Use a strict subcontractor verification system and never allow a sub on-site without full documentation and contract compliance.

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5. Builder’s Risk Confusion — Who Covers the Project?

Contractors constantly face questions like:

• Who insures the project — the owner or contractor?

• Does the policy cover materials stored off-site?

• Are tools and equipment included?

• Does the policy cover soft costs like permits or engineering?

• Will the lender accept the policy?

Builder’s Risk is one of the most misunderstood coverages, and a mistake can mean a contractor absorbs a six-figure loss.

Solution: Have your insurance advisor clearly outline who carries the policy, what’s covered, what’s excluded, and whether contract documents support your position.

Where Contractors Go Wrong

Many New York contractors simply buy insurance from brokers who don’t specialize in construction — and that is where major problems start. Construction is a unique, high-risk, highly regulated segment that requires deep knowledge of Labor Law, contract risk transfer, workers’ compensation, GL exclusions, and carrier appetite.

This is why the broker you choose matters as much as the policy itself.

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BGES Group — New York’s Premier Construction Insurance Specialists

At BGES Group, construction insurance is all we do. We understand the real-world challenges you face because we deal with them every single day.

Contractors work with us because:

• We know the carriers that want New York construction

• We eliminate harmful exclusions before policies are issued

• We prep contractors for audits so they avoid surprise bills

• We review contracts to protect you from upstream liability

• We manage certificates, subcontractors, and compliance

• We aggressively shop renewals so you never overpay

• We solve problems quickly — usually the same day

• We become your “insurance department” so you can focus on building

Our job is simple: Keep New York contractors protected, compliant, and profitable.

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Contact BGES Group Today

If you’re a contractor working in New York, you deserve an insurance specialist who understands your world and fights for you.

BGES Group — Construction Insurance Specialists

📍 Serving New York & the Entire Tri-State Area

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

In today’s fast-changing construction and business environment, finding the right payroll and workers’ compensation company can make a huge difference in your bottom line. Whether you’re a New York contractor, construction company owner, or small business tired of endless audits and compliance headaches, it’s time to explore a smarter way to manage payroll, workers’ compensation, and risk control—all in one program.

If you’re frustrated with rising premiums, complicated audits, or the lack of support from your current provider, you’re not alone. Many contractors are searching for a new payroll and workers’ compensation solution that saves time, lowers costs, and keeps them fully compliant with state laws.

Below are 10 major benefits of one of the most innovative payroll and workers’ compensation programs available today—used by top-performing contractors and businesses across the U.S.

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10 Benefits of a Smarter Payroll + Workers’ Compensation Program

1. Pay-As-You-Go Premiums

No more large upfront deposits. Premiums are calculated and paid based on your actual payroll each pay period. This means improved cash flow, accurate billing, and no more surprise bills at audit time.

2. Integrated Payroll and Workers’ Comp

When payroll and workers’ compensation are managed together, every hour worked and every dollar paid is instantly tracked. This eliminates reporting errors and makes audits faster, easier, and stress-free.

3. No Annual Audit Headaches

Forget long, painful audits. Since the payroll data is integrated, the system automatically reconciles payroll and premium data, meaning you may only need to review a short summary at year’s end instead of providing boxes of paperwork.

4. Accurate Classifications and Lower Risk of Misreporting

Misclassified employees are one of the biggest causes of overpayment in workers’ comp. With an automated payroll-linked program, each worker’s classification and job type are tracked correctly, reducing costly mistakes.

5. Dedicated Claims Management Team

When accidents happen, you need fast, professional support. The program includes dedicated claims handling with expert adjusters who work to close claims quickly, control costs, and get employees back to work safely.

6. Safety Support and Risk Management Resources

Every employer wants to keep their people safe. The program includes safety consultations, training materials, and risk control guidance—all designed to reduce injuries, claims, and insurance costs.

7. Certified Payroll Reporting for Public Projects

If you work on public jobs or prevailing wage projects, certified payroll reporting can be a major headache. This system handles certified payroll automatically, keeping you compliant with state and federal requirements.

8. Multi-State Coverage and Scalability

If your business works across multiple states, this program offers coverage flexibility so you can easily add new job sites and employees anywhere in the U.S. without complicated paperwork or delays.

9. Lower Long-Term Costs

Because claims are handled efficiently, safety programs are implemented, and premiums are based on actual payroll, most companies see substantial savings over time. It’s a smarter way to manage workers’ comp without sacrificing protection.

10. Personalized Support

Unlike many payroll processors or insurance carriers, this program offers hands-on customer support. You’ll have a team that understands your business, your jobs, and your people—ready to help whenever you need them.

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Who Benefits the Most from This Program?

This type of integrated payroll and workers’ compensation system is ideal for:

• General contractors and subcontractors in construction and remodeling.

• HVAC, electrical, and plumbing contractors.

• Roofers, framers, and drywall companies.

• Manufacturers, distributors, and warehouse operations.

• Small businesses looking for a better alternative to traditional workers’ comp.

If you’re tired of the constant paperwork, audits, and unpredictable premium adjustments, now’s the time to explore a system designed for real business owners who need efficiency, accuracy, and reliability.

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Why BGES Group is the Go-To Workers’ Compensation Specialist for Contractors

When it comes to New York construction insurance and workers’ compensation coverage, BGES Group is a trusted name. We specialize in helping contractors and small business owners find the best workers’ compensation programs that simplify payroll, control costs, and protect your team.

At BGES Group, we don’t just sell insurance—we partner with you. We understand the challenges contractors face with audits, certificates of insurance, subcontractor compliance, and claims management. That’s why we only work with top-rated programs that offer real benefits and peace of mind.

When you work with BGES Group, you can expect:

• Expert advice on which program fits your business best.

• Access to exclusive payroll + workers’ comp solutions.

• Fast turnaround on certificates for general contractors.

• Hands-on help with claims and policy management.

• No runaround—just straight answers and personal service.

We’ve helped hundreds of New York, New Jersey, and Connecticut contractors switch to smarter payroll and workers’ compensation systems—and many tell us they’ll never go back.

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What Makes BGES Group Different

Most insurance agencies are generalists. BGES Group is not. We’re construction insurance and workers’ compensation specialists. Our focus is on protecting contractors and keeping them compliant with state regulations while minimizing costs.

We also know what contractors care about most:

• Competitive rates

• Ease of doing business

• Fast certificates of insurance

• Audit support

• Safety resources

And with decades of experience, we’ve built strong relationships with the top insurance carriers and payroll programs nationwide—so you get better options, faster approvals, and smoother service.

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Is It Time to Make a Change?

If you’ve been frustrated with your current workers’ compensation carrier or payroll company, or if your business has grown and your needs have outgrown your provider, now is the perfect time to explore better options.

You deserve a workers’ compensation and payroll solution that:

• Works automatically with your payroll.

• Provides accurate, pay-as-you-go billing.

• Offers full claims and safety support.

• Eliminates the stress of annual audits.

• Keeps your employees protected and your business compliant.

That’s what BGES Group helps business owners achieve every day.

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Contact BGES Group Today

If you’re ready to discover a better payroll and workers’ compensation solution, contact BGES Group today:

BGES Group

Specialists in New York Construction Insurance and Workers’ Compensation

📞 Gary Wallach – (914) 806-5853

📧 bgesgroup@gmail.com

🌐 https://www.bgesgroup.com

We cover New York, New Jersey, and Connecticut, and through our associate, we can help companies anywhere in the U.S.

If you’re a New York contractor, you already know how unpredictable insurance renewals can be — especially in today’s market. Many contractors who thought they were “locked in” with a great deal last year are getting 10–20% or higher increases on their general liability insurance this year, even with no claims. If that happens to you, do you have a Plan B?

At BGES Group, we specialize in helping New York contractors — from GCs to subs — get the best liability insurance coverage at the most competitive rates available. Whether you’re a small residential contractor, a midsize commercial outfit, or a large-scale operation working on SCA, school, or municipal projects, our job is to make sure you’re covered properly and never overpaying.

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Why You Need a “Plan B” for Your Contractor Liability Insurance

Insurance rates in New York’s construction market are going up. Many insurance companies are tightening their underwriting guidelines and raising prices even on clean accounts. That means your renewal might come with a surprise — a double-digit premium increase, higher deductibles, or more restrictive exclusions.

Some of the biggest issues we’re seeing right now include:

• Fewer carriers willing to write construction risks, especially in NYC.
• Blanket exclusions for residential work, roofing, or exterior operations.
• Reduced limits for additional insured endorsements.
• Delays in issuing certificates and endorsements that hold up job approvals.
• Carriers using claims trends to justify rate hikes — even if you’ve had no losses.

That’s why having a Plan B isn’t just smart — it’s essential. You need someone in your corner who knows the market, has access to specialty contractor insurance programs, and can deliver fast, reliable quotes from multiple top-rated carriers.

That’s where BGES Group comes in.

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10 Ways BGES Group Helps New York Contractors Find Better Liability Insurance Coverage and Rates

1. We Shop the Entire Contractor Insurance Market for You

Most brokers only work with a handful of carriers. We work with dozens of construction-focused insurance companies, including both admitted and surplus lines markets. This gives you more options and better pricing. Whether you’re looking for general liability, excess liability, or contractor’s pollution coverage, we’ll find the right fit.

2. We Know New York Construction Inside and Out

Unlike many brokers who dabble in contractor insurance, BGES Group is 100% focused on New York, New Jersey, and Connecticut contractors. We understand city requirements, SCA and DOB compliance, and what’s needed to get on jobs fast. Our experience helps you avoid costly delays and coverage gaps.

3. We Handle Certificates and Endorsements Fast

You don’t have time to wait days for a certificate or a special wording request. Our service team handles certificate requests the same day — often within hours — so your insurance paperwork never holds up your job approvals or payments.

4. We Find Programs Tailored to Your Trade

We represent markets that specialize in specific trades — including carpenters, painters, electricians, plumbers, masons, roofers, and general contractors. That means your policy is built for your type of work, not a generic “contractor’s liability” policy that may not fit your operations.

5. We Help You Avoid Unnecessary Exclusions

Many cheap liability policies look good on paper but exclude what you actually do. We review your operations and make sure your policy includes the right coverages — such as completed operations, additional insured coverage, primary and noncontributory wording, and waiver of subrogation — all the things your clients demand.

6. We Have Access to Exclusive Contractor Insurance Programs

Because of our long-standing relationships with construction markets, BGES Group can access exclusive programs that most brokers can’t. These programs often include lower minimum premiums, better rates for good claims history, and broader forms that protect you better.

7. We’re Personal, Responsive, and Contractor-Focused

At BGES Group, you’re not just a policy number. You work directly with Gary Wallach, who has decades of experience helping New York contractors navigate insurance challenges. You get personal attention, fast answers, and real guidance when you need it. Contractors love that they can reach Gary directly — no call centers or layers of people.

8. We Review Contracts Before You Sign

Before you sign a subcontract or owner agreement, we’ll review the insurance requirements to make sure your policy complies — and that you’re not agreeing to something your carrier won’t cover. This saves contractors from expensive mistakes and job shutdowns later.

9. We Can Bundle Your Coverage for Additional Savings

Bundling your general liability, excess liability, workers compensation, and commercial auto under one coordinated program can often save thousands per year — and makes your insurance much easier to manage. BGES Group can put together a complete insurance package for your business.

10. We Help You Stay Audit-Ready and Organized

When your insurance company audits your payroll or subcontractor costs, things can get messy fast. BGES Group helps contractors stay organized, providing guidance on audit preparation, certificates of insurance, and subcontractor compliance, so you don’t end up paying thousands more than you should.

What Types of Contractors Does BGES Group Work With?

We serve all types of New York contractors, including:

• General Contractors (GCs)
• Subcontractors (interior/exterior)
• Masonry & Concrete Contractors
• Electricians & Plumbers
• Painters, Drywall & Flooring Companies
• Roofing Contractors
• HVAC & Mechanical Contractors
• Construction Managers
• Commercial and Residential Builders

No matter your size — from small two-person operations to large firms with dozens of employees — we have liability insurance solutions that fit your budget and your coverage needs.

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What Makes BGES Group Different from Other Brokers

When you work with BGES Group, you get a partner who knows the New York construction insurance market inside and out. We’re proactive, not reactive. We don’t just wait for your renewal — we go out and find better options before your current carrier raises your rates.

We’re also known for being incredibly responsive and hands-on. When you call, you get Gary Wallach directly. When you need certificates, you get them same day. When you need advice, we explain things in plain English — not insurance jargon.

And because we specialize in contractor insurance, we know how to get you the coverage your clients demand without the unnecessary extras that inflate your premiums.

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Don’t Wait Until Your Renewal Hits — Start Exploring Your Plan B Now

Too many contractors wait until their renewal is two weeks away to start shopping around. By then, it’s often too late to get the best deals. If you start early — 60 to 90 days before renewal — BGES Group can compare multiple programs, negotiate better pricing, and give you time to make a smart decision.

If your carrier surprises you with a 10–20% or higher rate increase, or your broker isn’t returning calls, now’s the perfect time to talk to us.

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Contact BGES Group Today

BGES Group – Contractor Insurance Specialists

📞 Call or Text: (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: www.bgesgroup.com

Serving New York, New Jersey, and Connecticut contractors with expert guidance, fast service, and competitive contractor insurance programs.