Contractors and dogs have a lot in common. They’re loyal. They work hard. They protect what matters. And they’re not afraid to get a little dirty.

Walk onto almost any jobsite and you’ll find a contractor who either has a dog, wants a dog, or talks about their dog like a business partner. For many tradesmen and women, a dog isn’t just a pet — it’s part of the family and sometimes even part of the brand.

But not every dog fits every trade. Just like you wouldn’t use a finish hammer to frame a house, you wouldn’t pair every contractor with the same breed. Here’s a look at which dogs work best depending on the trade of the contractor owner.

The General Contractor: The German Shepherd

The German Shepherd is the general contractor of the dog world.

Confident. Intelligent. Protective. Able to manage chaos.

General contractors juggle multiple subs, timelines, budgets, and client personalities. They need a dog that mirrors their leadership style — alert, steady, and capable of assessing situations quickly.

A German Shepherd has presence. It’s the dog that stands next to the truck surveying the site like it owns the place. Clients respect it. Workers don’t mess around when it’s nearby. And at the end of the day, it’s loyal to its core.

Just like a good GC, it’s calm under pressure and always watching.

The Electrician: The Border Collie

Electricians are detail-oriented, precise, and often the smartest person on the jobsite (don’t worry — we won’t tell the plumber).

The Border Collie fits perfectly.

Border Collies are known as one of the most intelligent dog breeds in the world. They process information quickly, thrive on problem-solving, and need mental stimulation. Sound familiar?

An electrician diagnosing a complex panel issue and a Border Collie figuring out a herding pattern operate on the same wavelength. Fast. Analytical. Focused.

Just be prepared — like a high-strung electrician, a Border Collie needs constant engagement.

The Plumber: The Labrador Retriever

Plumbers deal with messy situations and keep things flowing smoothly. They’re dependable, practical, and always in demand.

The Labrador Retriever is the ultimate plumbing partner.

Friendly. Reliable. Hard-working. Labs don’t scare clients, they welcome them. Just like plumbers who often work inside homes, a Lab brings comfort and approachability.

It can handle mud, water, long days, and still wag its tail at 7 p.m. after a sewer backup emergency.

The Labrador is the blue-collar champion — steady and trustworthy.

The Roofer: The Australian Cattle Dog

Roofers are tough. They work in the heat, in the cold, on steep pitches, and at heights that make most people nervous.

The Australian Cattle Dog is the roofer’s dog.

Compact, agile, resilient, and built for endurance. This breed thrives in harsh conditions and doesn’t quit. It’s alert, athletic, and ready to move at a moment’s notice.

Roofers respect grit. And the Australian Cattle Dog defines it.

The Excavation Contractor: The Rottweiler

Excavation contractors move earth. They run heavy equipment. They command serious machinery and serious respect.

The Rottweiler is a natural fit.

Strong. Confident. Powerful. Protective.

A Rottweiler has the same presence as a 30-ton excavator idling on a jobsite. It doesn’t need to bark loudly to be noticed. It simply exists with authority.

But just like excavation work, a Rottweiler requires responsible handling and discipline. In the right hands, it’s loyal and dependable. In the wrong hands, it can be misunderstood.

The Painter: The Golden Retriever

Painters bring color and finish to a project. They’re detail-focused but often more laid-back than other trades.

The Golden Retriever fits that personality perfectly.

Friendly. Patient. Easygoing. Loyal.

Golden Retrievers are approachable and adaptable — much like painters who work closely with homeowners choosing finishes and colors. They bring warmth to every environment.

They’re also forgiving — helpful when someone tracks a little mud across that freshly painted floor.

The Mason: The English Bulldog

Masons are solid. Old-school. Tough as brick and mortar.

The English Bulldog mirrors that strength.

Stocky. Determined. Grounded.

The English Bulldog isn’t flashy. It’s sturdy and unmovable — just like a well-built foundation. It may not run marathons, but it stands firm. Masons respect durability over speed, and so does the Bulldog.

The HVAC Contractor: The Standard Poodle

HVAC contractors combine technical knowledge with problem-solving. They work in tight spaces, analyze systems, and understand airflow like an engineer.

The Standard Poodle is often underestimated — just like HVAC.

Highly intelligent. Clean. Athletic. Adaptable.

Behind that polished exterior is one of the smartest breeds in the world. HVAC contractors and Standard Poodles both excel when complexity is involved.

The Framing Contractor: The Pit Bull

Framers build the skeleton of the structure. Their work sets the tone for everything that follows.

The American Pit Bull Terrier is loyal, strong, and misunderstood — much like framing crews who often work the hardest and receive the least recognition.

Pit Bulls are intensely loyal and powerful. With proper training and leadership, they are dependable and protective. Framers value grit, and this breed has it in abundance.

More Than Just a Dog

For contractors, a dog is often a stress reliever after long days dealing with inspections, change orders, supply delays, and payment disputes. It’s a reminder of loyalty in a business that can sometimes feel unpredictable.

But here’s something many contractors don’t think about:

Certain breeds can affect your insurance.

If you own a contracting company and have a dog at your shop, yard, or jobsite — particularly breeds that insurers consider “high risk” — it can impact your general liability policy or umbrella coverage. Dog bite claims are one of the most common homeowner liability losses, and commercial exposures are increasing.

That’s where having the right insurance partner matters.

Protecting Contractors — Just Like They Protect Their Clients

At BGES Group, we specialize in construction insurance and workers’ compensation solutions tailored specifically for contractors.

We understand:

• Additional insured requirements
• Indemnification agreements
• Completed operations exposure
• Workers’ comp classification audits
• Subcontractor risk transfer
• General liability and umbrella structuring

Whether you’re a roofer with an Australian Cattle Dog, an excavator with a Rottweiler, or a plumber with a Lab riding shotgun, you need coverage built around how you actually operate.

We help contractors:

• Lower their workers’ comp costs
• Structure policies correctly to avoid claim denials
• Navigate exclusions that can kill a contract
• Prepare for risk manager scrutiny
• Protect personal assets

We work with contractors across multiple states and understand the pressure you face daily — from GCs, owners, and carriers.

Your insurance program should work as hard as you do.

Contact BGES Group

BGES Group

Construction Insurance & Workers’ Compensation Specialists

📍 Serving New York and beyond

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

If you’re a contractor who wants to tighten up your coverage, reduce risk, and make sure you’re truly protected — reach out.

Because whether it’s your dog or your business, loyalty and protection matter.

For many contractors, workers’ compensation insurance feels less like protection and more like a yearly nightmare. Endless paperwork, surprise bills after annual audits, and constant classification disputes can turn a simple policy into a full-time administrative job. If you’ve ever opened an audit notice and felt your blood pressure spike, you’re not alone.

The good news? There are smarter ways to structure your workers’ compensation program so it’s predictable, streamlined, and far less stressful.

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Why Contractors Are Fed Up with Annual Workers’ Comp Audits

Traditional workers’ compensation policies rely heavily on estimated payroll. At the end of the year, the carrier audits your books and recalculates what you should have paid. That often leads to:

• Unexpected additional premiums
• Time-consuming document requests
• Disputes over job classifications
• Cash flow disruptions
• Frustration and uncertainty

Contractors need stability, not surprise invoices.

That’s why more construction businesses are exploring alternative workforce insurance solutions that simplify compliance and remove much of the audit burden altogether.

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10 Reasons Contractors Are Switching to a New Kind of Workers’ Comp Solution

(Without the audit headaches)

Here are ten major benefits contractors are discovering:

1. No Surprise End-of-Year Bills Premiums are calculated in real time instead of guessed and corrected later.
2. Simplified Payroll Integration Coverage adjusts automatically as your workforce grows or shrinks.
3. Reduced Administrative Burden Less paperwork, fewer forms, and no frantic audit prep every year.
4. Improved Cash Flow Predictability Know your costs upfront instead of facing unexpected charges months later.
5. Built-In Compliance Support Helps meet state and federal employment requirements with confidence.
6. Risk Management Assistance Safety programs and claims oversight help reduce workplace injuries.
7. Professional Claims Handling Claims are managed by specialists, not left for you to navigate alone.
8. Easier Expansion into New States Ideal for contractors working across multiple jurisdictions.
9. Employee Benefits Options Some programs allow access to better benefit structures that attract skilled workers.
10. Focus on Building, Not Paperwork Spend your time on projects and profits—not audits and disputes.

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How BGES Group Can Help

At BGES Group, we specialize in helping contractors find workers’ compensation solutions that are simple, stable, and audit-friendly. We understand construction risks, payroll challenges, and the pressure contractors face to stay compliant while staying profitable.

Our team works directly with contractors to:

• Evaluate your current workers’ comp program
• Identify alternatives that reduce audit exposure
• Secure coverage tailored to your business size and trade
• Provide hands-on service and personal support
• Act as your advocate with carriers and underwriters

We don’t believe in one-size-fits-all insurance. We believe in smart strategies that protect your business and your bottom line.

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Ready to End the Workers’ Comp Headache?

If you’re tired of surprise audits and unpredictable costs, it’s time to explore a better way.

Contact BGES Group today:

Gary Wallach

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Let us show you how contractors across the industry are simplifying workers’ compensation and getting back to what they do best—building their businesses.

Many business owners assume that auto insurance only matters if their company owns vehicles or operates a fleet of vans or trucks. In reality, auto-related liability exposures exist for nearly every business — even those without a single vehicle titled in the company’s name.

Consider these everyday situations: An employee runs a quick errand in their personal car. A manager rents a vehicle while attending a conference. A salesperson borrows a car to visit a client.

If an accident happens during any of these scenarios and your business does not have the proper insurance protection, your company could be left financially vulnerable to lawsuits, medical claims, and costly legal expenses. That is where Hired and Non-Owned Auto Coverage becomes essential.

These two coverages are designed specifically to protect businesses from liability when vehicles are used for business purposes but are not owned by the company.

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Understanding the Difference Between Hired and Non-Owned Auto Coverage

Although often grouped together, these coverages protect against different risks:

Non-Owned Auto Coverage This insurance protects your company if it is sued as a result of an auto accident involving an employee’s personal vehicle while they are conducting company business. For example, if an employee causes an accident while driving their own car to meet a client or deliver materials, your business can be named in the lawsuit. Non-owned auto coverage helps shield your company from that liability.

Hired Auto Coverage This coverage applies to vehicles that your business rents, hires, or borrows on a short-term basis for business use. This commonly includes rental cars used for conferences, client meetings, or business travel. If an accident occurs while an employee is driving a rented or borrowed vehicle for work, hired auto insurance can help pay for your company’s liability costs.

Together, these coverages form a critical safety net for businesses whose employees drive vehicles that are not company-owned but are still being used for company purposes.

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Who Should Carry This Coverage?

Your business should strongly consider hired and non-owned auto insurance if:

• Employees use their personal vehicles for company errands
• Your company rents cars or vans for business travel
• Staff attend conferences, trade shows, or client meetings
• You borrow vehicles for short-term business needs
• You have no vehicles titled in the company name but still face auto exposure

These coverages are commonly added as an endorsement or rider to a General Liability policy or a Commercial Auto policy. In many states, when there are no vehicles titled in the business name, hired and non-owned auto coverage can also help satisfy contractual requirements for commercial auto insurance.

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How the Coverage Works

Hired and non-owned auto insurance is strictly liability insurance, meaning it protects your business against third-party claims. This includes:

• Physical damage to another person’s vehicle
• Bodily injury and medical expenses for third parties injured in an accident
• Legal defense costs, settlements, and court judgments if your business is sued for negligence

This protection can be vital, as lawsuits related to auto accidents can quickly escalate into six-figure or even seven-figure claims when injuries are involved.

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What This Coverage Does NOT Include

It is just as important to understand the limitations of hired and non-owned auto insurance. These policies do not cover:

• Damage to your employee’s personal vehicle or a rented vehicle
• Medical bills for your employee if they are injured
• Accidents that occur during personal, non-business use
• Comprehensive or collision damage on the vehicle itself

Employees must still rely on their personal auto insurance for those types of losses. Hired and non-owned auto coverage exists solely to protect the business from liability exposure.

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Why This Coverage Is Crucial

If your employees drive on your behalf, your business carries legal responsibility for their actions. Without hired and non-owned auto coverage, your company could be forced to pay out-of-pocket for property damage, injury claims, and legal defense costs resulting from an accident.

This coverage helps:

• Protect your balance sheet from catastrophic losses
• Ensure compliance with contracts and client requirements
• Reduce gaps between personal auto insurance and business liability
• Provide peace of mind when employees drive for work

In today’s legal climate, even a minor accident can result in significant financial exposure. Hired and non-owned auto coverage is one of the most cost-effective ways to manage that risk.

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How BGES Group Helps Protect Your Business

At BGES Group, we specialize in helping businesses identify and close insurance gaps that often go unnoticed — including hired and non-owned auto exposure. Many companies assume they are protected, only to discover too late that their policies exclude critical risks.

We take a consultative approach by:

• Reviewing how your employees actually use vehicles
• Identifying liability gaps in your current insurance program
• Designing coverage solutions tailored to your operations
• Ensuring compliance with contracts and state requirements

Our mission is simple: protect your business before a claim happens, not after.

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Contact BGES Group

If your business rents vehicles, borrows vehicles, or allows employees to use personal cars for work, now is the time to review your insurance coverage.

Gary Wallach BGES Group

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Let BGES Group help you protect your business from unexpected auto liability risks and ensure you have the right coverage in place — before an accident becomes a lawsuit.

—> Alert! – BGES Group offers several programs that can minimize or eliminate annual workers compensation audits. Call Gary Wallach at 914-806-5853 to learn more!

For most business owners, the word audit immediately triggers stress. It sounds time-consuming, intrusive, and expensive. But when your insurance company conducts a premium audit, it’s not just for their benefit—it’s equally important for you.

A premium audit is the process your insurance carrier uses to determine whether the premium you paid during your policy term accurately reflects your actual business activity. When your policy was issued, your carrier based your premium on estimated payroll or sales figures. Now that the policy period has ended, real numbers replace estimates, and your insurer recalculates the premium accordingly.

Handled properly, a premium audit can work in your favor. Handled poorly—or ignored—it can result in unexpected bills, disputes, and even coverage problems. Understanding how audits work and how to prepare is the key to protecting your business.

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Why Premium Audits Exist

Insurance premiums are based on exposure. Exposure may include:

• Payroll
• Gross sales
• Use of subcontractors
• Type of work performed

Because these numbers can fluctuate throughout the year, insurers rely on audits to verify what actually happened during the policy period.

Once the audit is complete, your carrier may determine:

• You overpaid and are due a refund, or
• You underpaid and must pay additional premium (often called “back premium”).

Either outcome depends entirely on the accuracy of your records.

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Types of Premium Audits

Insurance companies use several different audit methods depending on the size and complexity of your business:

Mail Audit You’ll receive an audit form and instructions by mail. You complete the form and return it with supporting documents.

Phone Audit An independent audit firm will conduct the audit over the phone, asking you to provide financial and payroll data.

Physical Audit An auditor visits your business location—or sometimes your CPA’s office—to review records in person.

Regardless of the method, the audit will usually include review of:

• Payroll journals and ledgers
• Disbursement records
• Tax and Social Security reports
• State unemployment forms
• Subcontractor payments
• Other accounting documentation

This data is used to adjust your premium up or down.

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Policies Most Commonly Audited

The two most commonly audited policies are:

General Liability Policies Auditors typically review:

• Gross company sales
• Payroll for certain exposures
• Independent contractor costs (insured and uninsured)

Workers’ Compensation Policies Auditors will look at:

• Actual employee payroll
• Independent contractor costs if no certificate of insurance is provided

Failure to properly document subcontractors can result in those costs being treated as payroll, which can significantly increase your premium.

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Be Prepared: The Best Defense Against Problems

Preparation is your greatest ally. Keeping accurate, organized records year-round makes audits far less stressful and reduces the risk of overcharges.

Key records you should maintain include:

• Payroll broken down by employee and job classification
• Departmental payroll summaries
• Sales records
• Certificates of insurance for all subcontractors
• Proof of workers’ compensation and liability coverage for subcontractors

If you can produce these documents quickly and clearly, the audit process becomes straightforward.

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How to Prepare Once You Are Notified

Once you receive notice that an audit is scheduled, take the following steps:

1. Review Past Audits and Worksheets Look at prior audit billing statements and worksheets to understand what the auditor will be reviewing.
2. Select the Right Person to Assist the Auditor Choose someone who understands both your accounting records and the actual work performed by employees and departments.
3. Gather All Required Records in Advance Have payroll reports, ledgers, tax filings, and subcontractor certificates ready before the audit begins.
4. Verify Subcontractor Coverage Make sure every subcontractor has valid certificates of insurance for both general liability and workers’ compensation.
5. Break Down Payroll Properly Your payroll documents should clearly separate wages by class code, department, and employee.

Proper classification can prevent higher-rated work from being applied to lower-risk employees.

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The Day of the Audit

On audit day:

• Make all records easily accessible.
• If possible, have the audit conducted at your place of business.
• Ask the auditor to explain anything you don’t understand.
• Request a hard copy of the auditor’s findings.

Remember, auditors are not there to penalize you—they are there to verify numbers. Clear communication helps avoid misunderstandings.

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After the Audit: Don’t Rush to Pay

When you receive the audit billing statement:

• Compare it carefully to your original policy estimates.
• Review all changes line by line.
• Look for misclassified payroll or subcontractor costs.

Do not agree to pay any additional premium until you have reviewed the audit with your insurance advisor.

Disputes can often be corrected if addressed promptly. Errors in classification or missing certificates can dramatically change the outcome.

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Why Accurate Records Matter

Knowing what to expect and how to prepare is the key to a successful audit. Even if you owe additional premium, the outcome is far better than if you had poor or incomplete records.

By regularly updating the information your insurer requires, you stay ahead of potential problems and can identify changes in your business that may affect your premiums before they become costly surprises.

A premium audit should never be feared—but it should always be respected.

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Who We Are: BGES Group

At BGES Group, we specialize in helping contractors and business owners navigate the complexities of commercial insurance, including premium audits.

We don’t just place policies—we act as your advocate before, during, and after the audit process. Our expertise includes:

• General liability and workers’ compensation audits
• Proper employee and subcontractor classification
• Identifying audit errors and disputing incorrect charges
• Advising clients on record-keeping best practices
• Ensuring policy exclusions and classifications truly match your operations

Unlike generalist brokers, we understand contractor liability policies and the exposures that drive premiums. That knowledge can make the difference between overpaying and paying what is truly fair.

Our goal is simple: protect your business, control your costs, and make insurance work for you—not against you.

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Contact BGES Group

If you have received a premium audit notice or want help preparing for one, we are here to help.

BGES Group Gary Wallach Commercial Insurance Specialist

📞 Phone: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: www.bgesgroup.com

Don’t wait until an audit turns into a surprise bill. Let BGES Group guide you through the process with experience, clarity, and confidence.

If you’re a New York contractor, you already know the drill…

You call your insurance agency… voicemail. You email for a certificate… hours (or days) go by. You’re told “by the end of the day”… and that day turns into next week. Your account rep changes again.

And when something actually matters — A job is on hold. A GC is pressuring you. Payroll is due.

Suddenly, no one is available.

For most contractors, this has become normal.

You don’t expect fast. You don’t expect accountability. You don’t expect anyone to truly care once the policy is sold.

So when an agency actually: ✅ Answers the phone ✅ Issues certificates in minutes ✅ Does what they say they’ll do ✅ Operates with integrity

…it feels almost unreal.

Is that kind of agency a myth? A unicorn? A one-in-a-million diamond in the rough?

For hundreds of New York contractors, the answer is no.

They found Gary Wallach of BGES Group.

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🛠️ What Contractors Actually Want (And Rarely Get)

Contractors aren’t asking for magic. They want the basics:

• Pick up the phone • Call back when you say you will • Issue certificates fast — not tomorrow, not “after the system updates” • Understand New York construction insurance, not just “insurance in general” • Be honest, even when the answer isn’t what the client wants to hear • Do the right thing when no one is watching

That’s it.

Yet in an industry that’s become factory-like and impersonal, these basics have somehow become extraordinary.

BGES Group built its reputation by doing the opposite of what contractors have come to expect.

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👷 Meet Gary Wallach: The Anti-Factory Insurance Broker

Gary didn’t build BGES Group by chasing volume and delegating everything to rotating junior reps.

He built it by doing something radical in today’s insurance world:

➡️ He stayed involved ➡️ He stayed accountable ➡️ He treated contractors like long-term partners, not policy numbers

Over time, contractors learned they could trust him:

• If Gary says something will be done, it gets done • Certificates are issued in minutes, not hours • Coverage is placed correctly, not sloppily • When a problem pops up, someone actually answers the phone

That trust comes from consistency — year after year.

And the proof?

⭐ 139 five-star Google reviews saying the same thing: Responsive. Fast. Honest. Reliable. A pleasure to work with.

In an industry where great reviews are rare — that speaks volumes.

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🏗️ Specialists in New York Contractors Insurance

New York is not an easy place to insure construction businesses.

Between: • Labor law exposure • Workers’ comp costs • Additional insured endorsements • Completed operations • Umbrella limits • Audits • Ever-changing carrier appetites

Contractors don’t need a generalist. They need specialists.

BGES Group works with:

• General contractors • Subcontractors of all trades • Construction companies of all sizes • Contractors dealing with demanding GCs, owners, and municipalities

Construction isn’t a side business for them. It’s their core focus.

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⚡ Speed Matters — Especially in Construction

In construction, delays cost money.

A missing certificate can shut down a job. A wrong endorsement can delay payment. An unanswered call can create chaos.

BGES Group believes in one simple rule: Speed matters.

• Certificates issued in minutes • Questions answered when you call • Problems handled immediately

Contractors shouldn’t have to chase their insurance agent.

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🤝 Integrity Isn’t a Buzzword — It’s the Business Model

What separates BGES Group is integrity:

• No bait-and-switch pricing • No overpromising to win accounts • No disappearing after binding

When something can’t be done, they say so. When it can be done, they do it — fast.

That honesty is why contractors stay year after year.

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💬 Why Contractors Stick With BGES Group

Ask contractors why they don’t switch agencies and you’ll hear the same answer:

“They just make my life easier.”

No drama. No excuses. No chasing people down.

Just a dependable insurance partner who respects a contractor’s time.

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📞 Ready to Work With an Insurance Agency That Actually Delivers?

If you’re a New York contractor tired of slow service, broken promises, and feeling like just another account number, maybe it’s time to experience what working with a true diamond in the rough feels like.

Contact BGES Group

📞 914-806-5853 📧 bgesgroup@gmail.com 🌐 www.bgesgroup.com

When you call, someone answers. When something is promised, it gets done.

Because great insurance service shouldn’t be rare — but when it is, you hold onto it.

By 2026, New York contractors are facing one of the most challenging insurance environments in decades. Premiums are rising, underwriting is tightening, audits are getting tougher, and cancellations are happening faster than ever. Whether you’re a general contractor, subcontractor, or specialty trade, insurance is no longer just a checkbox—it’s a survival tool.

The good news? Contractors who understand the landscape and plan ahead can still thrive. Below are 10 practical strategies every New York contractor should follow to survive—and succeed—with business insurance in 2026.

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1. Treat Insurance as a Business Strategy, Not an Expense

Insurance is no longer something you buy once a year and forget about. In 2026, it must be part of your overall business plan. Carriers are looking at safety programs, payroll controls, contract language, and claims history more closely than ever.

Smart contractors now ask:

• How will this policy help me win jobs?
• How will it protect my cash flow?
• How will it prevent shutdowns?

Those who treat insurance strategically will outlast those who treat it as an afterthought.

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2. Keep Payroll and Class Codes Accurate

Misclassified employees and underestimated payroll are one of the biggest causes of audit shock and cancellations. New York carriers are laser-focused on workers’ compensation and liability exposure.

Best practices:

• Review payroll quarterly
• Make sure employees are in correct job classifications
• Separate clerical from field labor
• Track subcontractor certificates carefully

Accuracy today prevents massive surprises tomorrow.

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3. Never Ignore a Cancellation Notice

In 2026, carriers are faster to cancel and slower to reinstate. A missed installment or late audit response can shut your business down overnight.

Set systems for:

• Automatic payment reminders
• Multiple people receiving policy notices
• Immediate response to carrier requests

If you receive a cancellation notice, treat it as an emergency—not tomorrow’s problem.

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4. Certificates of Insurance Must Match Contract Requirements

New York project owners are demanding:

• Additional insured endorsements (CG 20 10 & CG 20 37)
• Waivers of subrogation
• Primary and non-contributory wording
• Higher limits

If your policy does not match your contract, you risk:

• Losing the job
• Paying out of pocket for a claim
• Legal exposure

Your insurance must work with your contracts, not against them.

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5. Risk Management Is the New Currency

Insurance companies reward contractors who can demonstrate:

• Safety meetings
• Written safety manuals
• Training programs
• Jobsite inspections
• Incident reporting systems

Even small improvements can mean:

• Lower premiums
• Fewer exclusions
• Better renewal terms

In 2026, safety equals savings.

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6. Understand Exclusions Before They Hurt You

Many contractors don’t realize their policies exclude:

• Certain types of roofing
• Height work
• Exterior facade work
• Waterproofing
• Earth movement
• Mold or silica

If you assume you’re covered and you’re not, one claim can bankrupt your business. Reviewing exclusions annually is no longer optional—it’s critical.

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7. Choose an Agent Who Knows Construction

Not all insurance agents understand construction risk. In 2026, generic insurance knowledge is not enough.

You need someone who understands:

• New York labor laws
• Scaffold law exposure
• Jobsite certificates
• Construction contracts
• Audit defense
• Carrier appetite for trades

The wrong broker costs you money. The right broker saves you money and protects your company.

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8. Plan for Premium Increases in Your Bids

Contractors who don’t budget for insurance increases are hurting their own profits. You must build realistic insurance costs into your estimates and contracts.

If you’re underpricing insurance:

• You’re funding risk personally
• You’re risking non-renewal
• You’re losing long-term stability

Smart contractors treat insurance as part of cost of goods sold.

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9. Document Everything

In disputes, audits, and claims, documentation wins.

Keep records of:

• Safety training
• Employee classifications
• Payroll
• Subcontractor certificates
• Job descriptions
• Incident reports

Good documentation turns “your word vs. theirs” into proof.

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10. Work With a Partner Who Advocates for You

In 2026, insurance is not just about buying a policy—it’s about having an advocate when something goes wrong. You need someone who will:

• Negotiate with carriers
• Fight audits
• Prevent cancellations
• Help you qualify for better programs
• Keep you compliant with job requirements

That partner can be the difference between surviving and shutting down.

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How BGES Group Helps New York Contractors Win

At BGES Group, we specialize in insurance solutions for New York contractors. We understand the realities of today’s construction environment—tight underwriting, rising premiums, and strict compliance requirements.

What we do differently:

✅ Construction-Focused Expertise

We work with general contractors and subcontractors across all trades and know what carriers want to see.

✅ Policy Reviews & Risk Analysis

We analyze your coverage to make sure it matches your actual operations and contract requirements.

✅ Audit & Cancellation Support

We help clients respond to audits and cancellation notices before they become disasters.

✅ Certificate Management Guidance

We help you structure your policies so your certificates meet jobsite demands.

✅ Long-Term Planning

Our goal is not just to place insurance—but to position your company for better renewals and growth.

We believe insurance should protect your business, not threaten it.

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Your Partner for 2026 and Beyond

The insurance market will not get easier in 2026—but contractors who prepare will survive and thrive. With the right guidance, smart planning, and proactive risk management, you can turn insurance from a liability into an asset.

If you are a New York contractor who wants clarity, protection, and advocacy, BGES Group is here to help.

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Contact BGES Group

Gary Wallach 📞 914-806-5853 📧 bgesgroup@gmail.com 🌐 www.bgesgroup.com

Whether you need a policy review, help with a renewal, or guidance on surviving the insurance challenges of 2026, we are ready to work for you.

Construction projects in New York rely heavily on subcontractors to perform specialized work such as electrical, plumbing, framing, and concrete installation. While subcontractors are essential to completing projects efficiently, they also introduce additional liability exposure for general contractors (GCs). When a subcontractor commits a negligent act that results in bodily injury or property damage, an important question arises: Will the general contractor’s Commercial General Liability (CGL) policy provide coverage?

The answer depends largely on how the contractor’s policy addresses subcontractor risk and whether the GC has complied with specific contractual and documentation requirements — particularly those contained in hard hammer and soft hammer clauses.

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Commercial General Liability and Subcontractor Negligence

A standard CGL policy is designed to protect a business from third-party claims for bodily injury and property damage arising out of its operations. In the construction context, this can include liability arising from the acts or omissions of subcontractors when the GC is alleged to be legally responsible.

However, insurers have recognized that subcontractor-related claims represent a significant portion of construction losses. As a result, many New York contractor liability policies now contain endorsements that strictly govern when and how coverage applies to losses caused by subcontractors. These endorsements are commonly known as hard hammer or soft hammer clauses.

Both clauses require a foundational element:
There must be a written and fully executed subcontract agreement in place before work begins that includes insurance requirements and a hold harmless (indemnification) provision in favor of the general contractor.

Without this contract in place prior to the loss, the GC’s ability to transfer risk — and even to trigger its own coverage — may be compromised.

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Hard Hammer vs. Soft Hammer Clauses — What’s the Difference?

Hard Hammer (Subcontractor) Clause

A hard hammer clause is a strict contractual and insurance condition that requires the general contractor to fully comply with subcontractor risk transfer requirements before the subcontractor begins work on the project. This compliance typically includes:

• A written and executed subcontract agreement containing:
  • Insurance requirements, and
  • A hold harmless / indemnification clause in favor of the general contractor;
• A Certificate of Insurance (COI) issued by the subcontractor’s insurer;
• An Additional Insured (AI) endorsement naming the general contractor as an additional insured on the subcontractor’s CGL policy;
• A Waiver of Subrogation in favor of the general contractor;
• Minimum insurance limits and coverage terms meeting or exceeding those required by the prime contract.

Under a hard hammer clause, these items are considered conditions precedent to coverage. This means that if the GC fails to secure both the written contract with hold harmless language and the required insurance documentation before work begins, the insurer may deny coverage entirely for any claim arising out of that subcontractor’s work.

Even if the GC was not directly negligent and even if the subcontractor’s actions alone caused the loss, failure to comply with a hard hammer clause can leave the GC without coverage for defense costs, settlements, or judgments related to that subcontractor’s negligence.

In practical terms, a hard hammer clause enforces strict discipline in subcontractor risk management and documentation.

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Soft Hammer Clause

A soft hammer clause requires the same contractual and insurance elements as a hard hammer clause:

• A written and executed subcontract with insurance and hold harmless provisions;
• A Certificate of Insurance;
• Additional Insured endorsement;
• Waiver of Subrogation;
• Required limits and policy terms.

The key difference is in the consequence of non-compliance.

Rather than denying coverage outright, a soft hammer clause typically imposes a financial penalty if the GC fails to obtain the required paperwork. Under a soft hammer clause:

• Coverage may still apply under the GC’s CGL policy;
• However, the insurer will assess a deductible or self-insured retention for losses attributable to the subcontractor’s negligence;
• The deductible may be significant and applies specifically because the GC failed to meet documentation and contractual requirements;
• The provision serves as a financial incentive for compliance rather than an absolute bar to coverage.

Soft hammer clauses still require proper documentation and executed agreements, but the consequences of non-compliance are monetary rather than categorical.

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What Happens When a Subcontractor Causes a Claim Without Proper Paperwork?

When a subcontractor causes a loss and the GC has not complied with its policy’s hard or soft hammer requirements, several outcomes may occur:

• The insurer may deny coverage entirely (under a hard hammer clause);
• The insurer may apply a substantial deductible (under a soft hammer clause);
• The GC may lose contractual indemnification rights against the subcontractor;
• The GC may be forced to fund defense and settlement costs out of pocket;
• Additional insured coverage may be deemed invalid if there was no written agreement in place before work began.

In New York, courts and insurers give great weight to whether a written and executed subcontract agreement existed prior to the accident. A Certificate of Insurance alone is not sufficient to establish coverage or contractual protection.

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Five Examples of Covered and Uncovered Claims

1. Falling Tool Injures a Pedestrian (Covered)

A subcontractor drops a tool from scaffolding, injuring a pedestrian.

• With proper written contract and AI endorsement: GC’s CGL provides coverage.
• Without proper documentation: hard hammer denies coverage; soft hammer applies deductible.

2. Fire Caused by Welding Work (Covered)

A subcontractor’s torch ignites a fire that damages adjacent property.

• With compliance: covered under the GC’s policy and subcontractor’s policy.
• Without compliance: coverage denied or subject to deductible.

3. Defective Workmanship Only (Uncovered)

A subcontractor installs drywall improperly, requiring removal and replacement.

• No resulting property damage or injury.
• CGL policies generally exclude pure defective workmanship — uncovered regardless of hammer clause.

4. Injury to Another Worker (Covered)

A subcontractor’s employee injures another contractor’s worker due to negligence.

• With contract and insurance compliance: GC’s CGL may respond.
• Without compliance: coverage denied or deductible applies.

5. Delay and Economic Loss (Uncovered)

A subcontractor causes delays leading to lost rent or productivity claims.

• Pure economic losses without bodily injury or property damage are typically excluded from CGL coverage.

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BGES Group: Specialists in Insuring New York Contractors

New York construction projects present some of the most complex insurance and liability challenges in the country. From strict contractual indemnification rules to demanding owner insurance requirements, contractors need knowledgeable guidance and properly structured insurance programs.

BGES Group specializes in insuring New York contractors and helping them navigate the complexities of subcontractor risk transfer, additional insured requirements, and hard and soft hammer clauses. We work closely with our clients to:

• Design compliant insurance programs;
• Review subcontractor insurance requirements;
• Ensure proper contract language and documentation;
• Prevent coverage gaps before claims arise;
• Protect contractors from devastating uninsured losses.

Our mission is not only to place insurance, but to help contractors understand how their policies actually work when something goes wrong.

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Contact BGES Group

BGES Group
Gary Wallach
📞 914-806-5853
✉️ bgesgroup@gmail.com
🌐 www.bgesgroup.com

Construction risk is unavoidable. Being uninsured for it is not. With the right contracts, the right coverage, and the right advisor, New York contractors can build with confidence.

If you’re a New York contractor, general contractor, or property owner, you already know one thing: claims happen.

Slip-and-fall. Subcontractor accident. New York Labor Law lawsuit.

The real question isn’t if a claim happens — 👉 it’s whether your insurance responds the way you expect it to.

A Commercial General Liability (CGL) policy is the backbone of a contractor’s insurance program. But not all CGL policies are created equal — and many contractors only discover what’s missing after a loss.

Let’s break it down.

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✅ 10 Types of Claims a NY Contractor CGL Policy Usually Covers

(Policy wording varies, but a properly written NY contractor CGL typically includes:)

1️⃣ Third-Party Bodily Injury Pedestrians, visitors, or occupants injured due to your operations (slips, trips, falling debris).

2️⃣ Third-Party Property Damage Cracked walls, flooded units, or damage to property you don’t own.

3️⃣ Products & Completed Operations Claims that arise months or years after the job is finished.

4️⃣ Contractual Liability (Limited) Liability assumed in standard construction contracts (if compliant with NY law).

5️⃣ Personal & Advertising Injury Libel, slander, defamation, or copyright issues from marketing/advertising.

6️⃣ Defense Costs Legal defense — even for frivolous lawsuits (often paid outside policy limits).

7️⃣ Fire Damage to Rented Premises Accidental fire damage in temporary or rented workspaces.

8️⃣ Medical Payments No-fault medical payments that can prevent small claims from becoming lawsuits.

9️⃣ Vicarious Liability for Subcontractors If a sub causes damage and you’re named in the lawsuit (with proper risk transfer).

🔟 Additional Insured Coverage (when endorsed correctly) Protects owners and GCs for claims arising out of your work.

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❌ 5 Things a NY Contractor CGL Policy Does NOT Cover

This is where contractors get blindsided:

1️⃣ Employee Injuries Handled under Workers’ Compensation (not CGL).

2️⃣ Faulty Workmanship (no resulting damage) CGL is not a warranty for bad work.

3️⃣ Professional Liability Design errors or construction management advice require separate coverage.

4️⃣ Intentional Acts Fraud or knowingly unsafe actions are excluded.

5️⃣ Pollution & Environmental Claims Typically excluded unless endorsed.

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⚖️ The Coverage Everyone Is Focused on Now: New York Labor Law

Owners and GCs care about one thing:

Labor Law 200, 240 & 241 Defense and Indemnification

• Labor Law 240 (“Scaffold Law”) – Absolute liability for falls & falling objects • Labor Law 241(6) – Industrial Code violations • Labor Law 200 – Workplace safety & negligence

Reality check: 👉 Even if you did nothing wrong, owners and GCs can still be held liable.

That’s why contracts now demand:

✔ Broad Additional Insured wording ✔ Primary & Non-Contributory status ✔ No residential exclusions ✔ Proper action-over coverage ✔ Completed operations that don’t sunset early

If your policy isn’t structured correctly, it may look fine on a certificate — …but fail when a Labor Law lawsuit hits.

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💰 Why Policy Structure Matters More Than Price

In New York, the cheapest policy often becomes the most expensive mistake.

One missing endorsement. One restrictive exclusion. One poorly written AI form.

That’s all it takes for coverage to be denied.

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🏗️ How BGES Group Helps NY Contractors Get This Right

At BGES Group, contractor insurance isn’t a side business — it’s what we do.

We specialize in:

• New York construction insurance • Contractor CGL & Workers’ Compensation • Labor Law risk transfer • Owner & GC compliance • Fast, accurate certificates (no waiting days)

We don’t just sell policies. We review contracts, explain exposures, and structure coverage so it actually responds when a claim happens.

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⭐ What Makes BGES Group Different

• Deep understanding of NY Labor Law • Contractor-friendly carriers • Hands-on service (you can reach us directly) • Experience with GCs, developers & municipalities • Nationwide capability with a strong NY focus

Whether you’re a subcontractor trying to get approved on a job or a GC tightening risk transfer, we help protect your business and your contracts.

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📞 Contact BGES Group

Want to know if your liability policy really protects you — or just looks good on a certificate?

BGES Group 📍 Serving New York contractors nationwide

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

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🔑 Final Thought

In New York construction, insurance isn’t just a requirement — it’s a strategy.

Understanding what your CGL policy covers, excludes, and must include for Labor Law protection can be the difference between surviving a claim and losing everything you built.

BGES Group is here to make sure your coverage works when it matters most.

If you’re a New York contractor who feels frustrated, overcharged, or ignored by your current insurance agency, you’re not alone. Many contractors across NYC, Westchester, Long Island, and the Hudson Valley share the same complaints: slow response times, confusing policies, surprise audits, skyrocketing premiums, and agencies that don’t truly understand the construction business.

Insurance for contractors isn’t just paperwork—it’s protection for your livelihood. One mistake, one uncovered claim, or one compliance issue can shut down a job site or cost you thousands of dollars. Yet too many agencies treat contractors like generic business accounts instead of what they really are: high-risk, high-responsibility professionals who need specialized guidance.

That’s why more New York contractors are turning to BGES Group.

BGES Group is not a call-center brokerage or a “one-size-fits-all” insurance shop. It’s a contractor-focused agency built around understanding how construction really works in New York—union and non-union payroll, class codes, certificates of insurance, additional insured endorsements, job-specific requirements, and audit defense.

If you are unhappy with your current insurance agency, now is the time to make a change. Here’s why BGES Group stands apart—and why contractors who switch rarely go back.

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10 Reasons BGES Group Is Better Than Most Other Insurance Agencies

1. They Specialize in Contractors—Not Just Businesses

Many agencies insure restaurants one day and electricians the next. BGES Group focuses heavily on construction and contractor risk. They understand trades like drywall, concrete, carpentry, electrical, plumbing, roofing, and general contracting. This specialization means your policy is structured correctly from day one.

2. They Know New York’s Unique Insurance Environment

New York is one of the toughest states in the country for contractors. Labor Law 240/241 exposure, strict additional insured requirements, OCIP/CCIP projects, and aggressive workers’ comp audits make insurance more complex here than almost anywhere else. BGES Group works in this environment every day and knows how to keep contractors compliant and protected.

3. They Fight Overclassification and Overpayment

One of the biggest reasons contractors overpay is misclassification of payroll and operations. BGES Group reviews your class codes carefully to ensure you’re not being charged for risks you don’t actually perform. Over time, this alone can save contractors tens of thousands of dollars.

4. Fast Certificates of Insurance (COIs)

Nothing stops a job faster than a missing or incorrect COI. BGES Group understands how critical speed is on job sites. They provide accurate certificates quickly, with the correct additional insured language required by owners, GCs, and municipalities.

5. Clear Explanations—No Insurance Jargon

Many contractors sign policies they don’t fully understand. BGES Group takes time to explain coverage in plain English:

• What is covered
• What is excluded
• What limits you really need
• Where your biggest risks are

You don’t just get a policy—you get clarity.

6. Audit Support and Guidance

Workers’ compensation audits are one of the most stressful parts of running a contracting business. BGES Group helps contractors prepare for audits, organize records, and challenge incorrect findings. Instead of being alone against the carrier, you have an advocate.

7. Custom Coverage for Real Job Conditions

BGES Group doesn’t just sell standard policies. They tailor coverage for:

• Off-premises exposure
• Excess liability requirements
• OCIP/CCIP gaps
• Subcontractor risk
• High-limit contracts
• Special endorsements

This means fewer surprises when a claim occurs.

8. Relationships with Strong Carriers

BGES Group works with insurance companies that understand construction risk, not just cheap carriers with poor claims handling. This matters when something goes wrong. The right carrier can mean the difference between a smooth claim and months of fighting.

9. Personal Service—Not a Call Center

When you call BGES Group, you speak with someone who knows your account. You’re not routed through endless menus or shuffled between departments. Contractors appreciate having a real relationship with their insurance advisor, especially when deadlines and contracts are on the line.

10. They Care About Your Business Growth

BGES Group doesn’t just insure contractors—they help them grow safely. As your business expands, they adjust coverage to match your payroll, new job types, and contract requirements. Their goal is to help you qualify for better projects, larger contracts, and stronger financial stability.

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The Cost of Staying with the Wrong Agency

Staying with the wrong insurance agency can cost you far more than just higher premiums. It can lead to:

• Denied claims
• Contract non-compliance
• Job shutdowns
• Unexpected audit bills
• Lawsuits without proper protection
• Loss of future business opportunities

In today’s construction environment, insurance is part of your competitive advantage. Owners and general contractors want to work with firms that are properly insured, responsive, and professional. BGES Group helps you present yourself that way.

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A Better Experience for New York Contractors

Contractors who move to BGES Group often say the same thing: “I finally understand my insurance.” “They actually return my calls.” “They caught problems my old agent never mentioned.” “I’m paying for what I need, not what I don’t.”

That difference isn’t accidental. It comes from years of working directly with contractors and knowing that your time, money, and reputation are all on the line.

If your current agency feels distant, slow, or careless, it’s time to rethink who is protecting your business.

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Take the First Step Today

Switching insurance agencies doesn’t have to be complicated. BGES Group can review your current policies, explain what you have, identify gaps or savings opportunities, and propose a better structure—without pressure and without confusion.

Your business deserves an agency that works as hard as you do.

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Contact BGES Group

Gary Wallach

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

If you are a New York contractor who is unhappy with your insurance agency, make the call that could protect your future. Call BGES Group today—and finally get the insurance partner your business deserves.

Workers’ compensation insurance is not optional. But overpaying, being misclassified, or getting blindsided by audits absolutely is.

Yet that’s exactly what happens to thousands of business owners every year — not because they’re careless, but because they’re busy running their companies while their insurance quietly runs on autopilot.

BGES Group was built to stop that.

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Most Business Owners Are Paying More Than They Should

Here’s the uncomfortable truth most brokers won’t tell you:

Workers’ compensation insurance is one of the most commonly mismanaged and overpriced coverages in business today.

Many owners assume:

• The carrier calculated everything correctly
• The classifications are accurate
• The audit is final
• The renewal increase is unavoidable

In many cases, none of that is true.

BGES Group steps in where passive brokers stop.

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BGES Group Doesn’t Just Sell Policies — They Fix Problems

Most insurance agents focus on placing coverage. BGES Group focuses on protecting the business owner.

That means:

• Reviewing classifications to uncover overcharges
• Identifying payroll errors before audits explode
• Preparing owners for audits instead of reacting to them
• Challenging incorrect audit results
• Negotiating renewals instead of rubber-stamping them

This proactive approach is why business owners consistently say they feel better once BGES Group is involved — because someone is finally working the file as hard as they work their business.

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Why Business Owners Feel Immediate Relief

The moment BGES Group reviews a workers’ compensation policy, owners realize something important:

“This isn’t as confusing as I was led to believe — I just needed the right advisor.”

That clarity translates into confidence. Instead of fearing letters from carriers or auditors, owners understand what’s coming — and how to handle it.

That’s not just peace of mind. That’s financial control.

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The Cost of Doing Nothing Is Higher Than You Think

Ignoring workers’ compensation issues doesn’t keep costs stable — it compounds them.

• Misclassifications roll forward
• Audit errors snowball
• Claims are mishandled
• Premiums creep higher year after year

BGES Group helps business owners stop the bleeding now, not after problems have already cost tens of thousands of dollars.

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Renewals Should Be Strategic — Not Automatic

One of the biggest mistakes business owners make is assuming renewal season is just paperwork.

BGES Group treats renewals as a strategy session:

• What changed?
• Why did it change?
• Can it be corrected?
• Is the carrier still the right fit?
• Are there better options in the market?

Even in a tough insurance market, strategy matters — and strategy saves money.

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10 Ways Business Owners Feel Good Working With BGES Group

1. They stop feeling confused about their workers’ comp policy
2. They feel protected, knowing someone is watching the details
3. They gain confidence dealing with audits and renewals
4. They trust their numbers instead of guessing
5. They feel advocated for — not ignored
6. They feel prepared, not reactive
7. They regain control over a major insurance expense
8. They feel smarter because they finally understand workers’ comp
9. They feel respected because their business is treated as unique
10. They feel relief knowing costly surprises are far less likely

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Who BGES Group Is Right For

BGES Group works best with business owners who:

• Are tired of unexplained increases
• Want transparency instead of vague answers
• Understand that good advice saves more than cheap quotes
• Want a broker who will push back on carriers
• Value long-term protection over short-term convenience

If that sounds like you, this isn’t just another insurance relationship — it’s a business advantage.

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Take Control of Your Workers’ Compensation Insurance

You don’t need to accept higher premiums, confusing audits, or hands-off brokers.

You need a specialist who understands workers’ compensation inside and out — and who treats your business like it matters.

That’s exactly what BGES Group does.

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Contact BGES Group

BGES Group Workers’ Compensation & Business Insurance Specialists

📞 Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com