Finding affordable, reliable workers’ compensation insurance can feel like navigating a maze. Between state requirements, confusing forms, audit risks, and constant insurer changes, many business owners end up frustrated and paying more than they should. Whether your current policy has been canceled, your premiums have skyrocketed, or your broker stopped returning calls, you’re not alone.

At BGES Group, we specialize in helping small and mid-sized businesses — especially New York contractors — get back on track fast with the right coverage, the right insurer, and the right support. Below are 15 reasons why you should make BGES Group your first call when you need help getting new workers’ compensation insurance.

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1. We Help You Get Reinstated Quickly After a Lapse

If your policy has been canceled for nonpayment or audit issues, time is critical. BGES Group understands the reinstatement process inside and out. We guide you step-by-step so you can get your policy back in force — or, if reinstatement isn’t possible, we’ll find a new carrier fast to avoid uncovered exposure or penalties.

2. We Work Directly with NYSIF and Private Carriers

Navigating the New York State Insurance Fund (NYSIF) can be a challenge, but we know how to make the system work for you. Whether you need to get unblocked from online payments, reapply after a lapse, or move to a private carrier for better rates, BGES Group has you covered.

3. We Specialize in Construction Accounts

No one knows construction insurance like BGES Group. From general contractors and framers to painters, electricians, and small renovation firms, we understand your trade, your contracts, and your compliance requirements. You’ll get coverage that meets what general contractors, property owners, and municipalities require — without overpaying.

4. We Handle Tough-to-Place Risks

Has another broker told you your business is “too risky”? BGES Group thrives on challenges. We work with specialized markets that insure businesses others turn away. Whether you’ve had claims, lapses, or high experience mods, we’ll find a carrier willing to work with you.

5. We Can Save You Thousands

Our clients routinely save 20–40% compared to what they were paying before. We don’t just quote one company — we compare multiple insurers and help you choose the best combination of coverage and price.

6. We Simplify the Process

No endless paperwork. No confusing emails. BGES Group makes applying for coverage simple and fast. You’ll know exactly what’s needed, and we’ll help you complete it quickly so there’s no delay in getting coverage bound.

7. We Make Sure You Stay Compliant

Workers’ compensation is not just about protection — it’s a legal requirement. We make sure you meet all state and contract compliance rules so you can avoid costly fines or stop-work orders. Need a Certificate of Insurance same-day? We can deliver it fast.

8. Personalized Service – You’re Never Just a Number

At BGES Group, you work directly with an experienced insurance professional who knows your business — not a call center. We believe in old-fashioned service: quick responses, clear answers, and real people who care.

9. Fast Certificates and Endorsements

When you need a certificate of insurance, additional insured wording, or a waiver of subrogation for a project, speed matters. We pride ourselves on turning requests around quickly so your work isn’t held up waiting for paperwork.

10. We Help You Avoid Audit Headaches

Workers’ comp audits can be stressful — but not when you have BGES Group in your corner. We help you prepare, organize your records, and avoid unnecessary charges. We’ll even review your audit results and dispute errors when necessary.

11. We Understand Experience Mods and How to Lower Them

Your experience modification factor (mod) can make or break your premiums. We’ll explain how it works, how claims impact your rating, and what steps you can take to lower it over time. Our goal is not just to get you insured, but to help you pay less every year.

12. We Can Bundle General Liability and Workers’ Comp

Many clients save more by combining their workers’ compensation and general liability policies. We’ll find packages that make sense for your business and can often secure multi-policy discounts.

13. We Work with Startups and New Ventures

Starting a new business and need workers’ compensation for the first time? BGES Group makes it easy. We’ll help you register, file the necessary applications, and secure coverage even if you don’t have payroll yet.

14. We Protect You from Policy Gaps

A gap in coverage can lead to major problems — from stop-work orders to uncovered employee injuries. We make sure your coverage is continuous, properly classified, and structured so you’re never exposed.

15. We’re Trusted by Hundreds of New York Businesses

BGES Group has been serving New York businesses for over 44 years. Our clients stay with us because we deliver what we promise — responsiveness, professionalism, and real results. Many clients have been with us for over a decade because they know we always have their back.

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Why Working with BGES Group Makes the Difference

Many insurance brokers today operate like online sales machines. They quote quickly but don’t stick around when problems arise. BGES Group is different — we’re advocates for our clients.

We step in when the carrier makes a mistake, when your audit seems unfair, or when you’re struggling with state paperwork. We talk directly to underwriters, claims adjusters, and compliance officers on your behalf. You’ll never have to handle those frustrations alone again.

When you work with BGES Group, you’re getting more than an insurance policy — you’re getting a partner who’s genuinely invested in your success.

We don’t just sell coverage; we solve problems.

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Who We Help

• Construction contractors (general, roofing, electrical, painting, masonry, HVAC, and more)
• Small businesses with payroll challenges or coverage lapses
• Companies transitioning from the assigned risk or NYSIF to private carriers
• New ventures looking to get workers’ comp for the first time

Whether you’re a one-person operation or a business with dozens of employees, we can tailor a plan that fits your needs — and your budget.

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Our Process

1. Consultation: We review your current policy, payroll, and claims.
2. Strategy: We identify the best carriers for your situation.
3. Quote: You receive clear, competitive quotes with transparent explanations.
4. Placement: We bind coverage and issue certificates fast.
5. Support: We help you through audits, renewals, and compliance.

Every step is handled with personal care and urgency — because we know your business depends on it.

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Contact BGES Group Today

If you’re struggling to get new workers’ compensation insurance, or your old broker can’t deliver the help you need, reach out today. Let us do the heavy lifting so you can focus on running your business.

📞 Call: (914) 806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com

BGES Group — Helping New York Businesses Stay Protected, Compliant, and Confident for Over 44 Years.

When it comes to business insurance, contractors across New York, New Jersey, and Connecticut have plenty of options — but only one firm consistently stands out for its expertise, responsiveness, and trust: BGES Group.

In an industry filled with red tape, long hold times, and high premiums, BGES Group has built a reputation for getting things done fast, doing them right, and treating every client like family. Whether you’re a small subcontractor or a large general contractor, here are 10 powerful reasons why you should use BGES Group instead of other insurance organizations.

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1. They Shop Your Insurance — Aggressively and Intelligently

Most insurance agents send your information to one or two carriers and call it a day. BGES Group takes a completely different approach. They shop your insurance with multiple top-rated carriers, comparing programs line by line to find you the best coverage at the lowest cost.

Because BGES Group specializes in construction and business insurance, they know which carriers are aggressive for your trade, whether you’re a roofer, mason, electrician, or general contractor. They know how to present your business properly to underwriters — and that means you get better pricing, better coverage, and more leverage.

They don’t just quote — they negotiate.

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2. They’re Both “Book Smart” and “Street Smart”

There’s a big difference between an insurance agent who knows what’s written in the manual and one who understands how things actually work in the real world. BGES Group is both.

They’re book smart — experts in policies, endorsements, exclusions, and legal requirements. But they’re also street smart — they understand job sites, subcontractor relationships, union rules, certificates, audits, and all the real-world challenges contractors face.

That combination means when you have a problem, BGES Group doesn’t just quote you a policy — they solve it.

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3. They Actually Answer Their Phone

How many times have you called your insurance agent only to get voicemail, long delays, or no response at all? That doesn’t happen at BGES Group.

When you call, a real person answers — someone who knows your name, your business, and your policies. Whether you need a certificate, proof of coverage, or help with a claim, you won’t be left waiting.

This responsiveness is one of the biggest reasons contractors switch to BGES Group. They understand that in construction, time is money, and when you need something, you need it now, not next week.

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4. Certificates of Insurance Issued in Minutes

Every contractor knows the frustration of waiting days for a certificate of insurance. BGES Group eliminates that headache entirely.

Their team can issue certificates in minutes, often the same hour you request them. Need special wording or endorsements? No problem. They know exactly what general contractors, project owners, and municipalities require — and they make sure you’re compliant and job-ready every time.

With BGES Group, you’ll never lose a job because of a paperwork delay.

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5. No Ridiculous Policy Fees or Hidden Charges

Many insurance agencies tack on extra policy fees, “service” charges, or broker fees that inflate your costs. BGES Group doesn’t play that game.

They believe in fair pricing and full transparency. What you see is what you get — no surprises, no nonsense. Their goal isn’t to nickel-and-dime you; it’s to build a long-term relationship based on trust and integrity.

When you work with BGES Group, you’ll know your money is going exactly where it should — into your coverage, not into someone’s pocket.

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6. Trusted, Honest, and a Pleasure to Work With

In an industry where trust matters more than anything, BGES Group’s reputation speaks for itself. Clients consistently describe them as honest, reliable, and easy to work with.

They take the time to explain coverages in plain language, so you actually understand what you’re buying. They’ll tell you when you need a certain coverage — and just as importantly, when you don’t.

Their clients appreciate their down-to-earth style, no-pressure approach, and genuine care for helping contractors protect their businesses. When you work with BGES Group, you don’t feel like a policy number — you feel like a partner.

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7. Backed by 136 Five-Star Google Reviews (and Counting)

You don’t earn over 136 five-star reviews by accident. That kind of reputation is built on years of consistent service, reliability, and client satisfaction.

Contractors across New York, New Jersey, and Connecticut rave about how easy BGES Group is to work with — how they saved money, fixed past problems, and delivered fast, personal service when it mattered most.

These aren’t just reviews — they’re proof that BGES Group delivers on every promise they make.

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8. Experts in Workers’ Compensation and Audit Refunds

Workers’ compensation is one of the biggest pain points for contractors. Misclassified employees, inflated premiums, and brutal audit bills can cost thousands.

BGES Group are workers’ compensation experts — they know how to fix classification errors, recover overpayments, and even help you get refunds for past audits (you can go back several years).

They also specialize in helping contractors who’ve been canceled, non-renewed, or dropped find affordable coverage fast. Whether you’re a small trade contractor or a large GC, BGES Group has the expertise to keep you covered, compliant, and in control.

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9. Construction Insurance Is Their Specialty

Many insurance agencies try to cover every type of business. BGES Group doesn’t. They’ve built their entire business around construction and related industries.

That means they know your contracts, your exposures, your equipment, and your day-to-day operations. They also know the exact coverages you need:

• General Liability

• Workers’ Compensation

• Business Auto

• Umbrella/Excess Liability

• Builders Risk

• Bonds

If you’re a contractor, you want an insurance team that lives and breathes construction — and that’s exactly what you get with BGES Group.

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10. They’re Fast, Reliable, and Always in Your Corner

When you work with BGES Group, you’re not just buying insurance — you’re getting a dedicated partner who’s always looking out for your best interests.

They move fast when you need something. They fight for you when there’s a claim. They review your policies regularly to make sure you’re not overpaying. And they stay ahead of changes in laws, contracts, and carrier rules so you’re always protected.

Their motto is simple: “Do right by the client, every time.”

That’s why so many contractors stay with BGES Group year after year — and why most new clients come from referrals.

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The Bottom Line: BGES Group Delivers What Others Promise

If you’re tired of slow responses, high premiums, confusing coverages, or agents who don’t understand your business, it’s time to make a change.

BGES Group is everything a contractor wants in an insurance partner — smart, fast, trustworthy, and dedicated. They’ll help you save money, avoid headaches, and protect your business the right way.

Don’t settle for less. Join the hundreds of contractors who already trust BGES Group to handle their insurance with expertise and care.

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Contact BGES Group Today

📞 Gary Wallach

📧 bgesgroup@gmail.com

📱 914-806-5853

🌐 https://www.bgesgroup.com

Serving New York, New Jersey, and Connecticut contractors, with associates covering the entire U.S.

BGES Group — The Construction Insurance Specialists Who Pick Up the Phone, Get Results, and Have Your Back.

Running a construction business in New York is no small feat. Between tight deadlines, complex projects, and strict regulations, contractors also face one of the most frustrating parts of doing business — managing their business insurance. From general liability to workers’ compensation and everything in between, it’s easy for costly mistakes to slip through the cracks.

Here are the five biggest problems New York contractors have with their business insurance, and how BGES Group, the construction insurance specialists, can make your life a whole lot easier.

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1. Skyrocketing Premiums and Unfair Pricing

Many New York contractors are paying way more than they should for their insurance. Why? Because they’re often placed in the wrong classification codes, bundled into high-risk groups, or working with agents who don’t fully understand the construction industry.

When your agent doesn’t specialize in contractor insurance, they may not know how to properly represent your business to carriers — and that means higher premiums, unnecessary coverages, and denied credits.

BGES Group understands the unique risks and requirements of New York contractors. We know which carriers offer the best pricing and coverage for each trade — from drywall, masonry, and plumbing to electrical, roofing, and general contracting. Our specialists review your existing policies to identify overcharges, misclassifications, and missed discounts.

We routinely save contractors thousands of dollars each year while improving their protection.

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2. Insurance Companies That Don’t Understand Construction

Many contractors feel like their insurance company doesn’t “get” what they do. When a claim happens, the last thing you want is a representative who doesn’t understand jobsite operations, subcontractor relationships, or the complexity of New York construction law.

Some insurers treat contractors like every other business — which can lead to denied claims, coverage gaps, and delays in getting paid.

BGES Group only works with construction-focused carriers that understand your business. We speak their language — and yours. Whether you’re dealing with certificates of insurance, additional insured endorsements, or claims investigations, we make sure your coverage actually works for you when you need it most.

We also help contractors avoid coverage gaps that could destroy their business, like exclusions for residential work, height restrictions, or subcontractor limitations that are often buried in small print.

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3. Workers’ Compensation Headaches

Workers’ compensation insurance is one of the most misunderstood — and mismanaged — coverages in the construction industry. Contractors in New York often face:

• Audits resulting in unexpected bills for tens of thousands of dollars.

• Incorrect payroll classifications leading to overpayment.

• Inaccurate experience modification ratings (“mods”) that increase premiums.

• Trouble finding coverage because of past claims or high-risk trades.

That’s where BGES Group comes in. We’ve built a reputation as one of the most knowledgeable workers’ compensation specialists in New York.

We help contractors:

• Get refunds from past audits (you can go back several years).

• Correct their classifications and payroll records.

• Lower their experience mod.

• Find competitive coverage even if they’ve been canceled or non-renewed.

Our team works closely with carriers, accountants, and business owners to eliminate stress and get contractors the refunds and savings they deserve.

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4. Certificates of Insurance (COIs) and Compliance Nightmares

Ask any contractor in New York what their biggest daily frustration is, and most will say — certificates of insurance.

Every job, every GC, every property owner wants their own wording, special endorsements, and proof of coverage yesterday. One wrong word or missing line can delay payment or even cost you a job.

Most agents don’t move fast enough to keep contractors in compliance, and when you’re juggling multiple projects, that can quickly turn into a nightmare.

BGES Group understands how critical this is. We have a dedicated team that handles COI requests fast — often within the same day. We make sure your certificates meet each project’s unique requirements and that your insurance actually complies with those terms.

With BGES Group, you don’t lose business waiting for paperwork — you stay job-ready and compliant every time.

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5. Not Knowing If You’re Really Covered

One of the biggest mistakes contractors make is assuming they’re fully protected — until a claim proves otherwise.

Common coverage gaps include:

• No completed operations coverage for work after the job is done.

• Missing additional insured endorsements for general contractors or property owners.

• Policies that exclude subcontractor work.

• Inadequate limits for large projects or high-rise construction.

Unfortunately, you won’t find these problems until it’s too late.

At BGES Group, we take a proactive approach. Before we ever quote your insurance, we perform a complete coverage review — line by line — so you know exactly what’s covered, what’s not, and where you might be exposed.

Then we tailor your program to your exact needs — whether you’re a small subcontractor or a large general contractor managing multi-million-dollar jobs.

We make sure you’re covered for:

• Completed operations

• Additional insureds and contractual requirements

• Tools, equipment, and vehicles

• Jobsite injuries and employee issues

• Umbrella/excess coverage for major contracts

With BGES Group, you’ll finally have peace of mind knowing your business is fully protected.

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Why Contractors Choose BGES Group

For over 44 years, BGES Group has helped New York, New Jersey, and Connecticut contractors lower costs, eliminate confusion, and protect their businesses with the right insurance programs.

We specialize in:

• General Liability

• Workers’ Compensation

• Commercial Auto

• Umbrella/Excess Liability

• Builders Risk

• Bonds

We also help with audits, refunds, safety manuals, and subcontractor compliance. Contractors rely on us not only for our expertise but because we answer the phone, move fast, and truly care about helping them succeed.

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If You’re a New York Contractor — Get Help from BGES Group Today

Don’t keep overpaying or stressing about your insurance. Let the experts at BGES Group review your current program and show you where you can save and improve coverage.

Whether you’re a small trade contractor or a large GC, we’ll make sure you’re protected, compliant, and getting the best value possible.

Contact BGES Group Today:

📞 Gary Wallach

📧 bgesgroup@gmail.com

📱 914-806-5853

🌐 https://www.bgesgroup.com

Serving contractors across New York, New Jersey, and Connecticut, with national associates covering the entire U.S.

BGES Group — The Construction Insurance Specialists Who Put Contractors First.

Navigating the world of workers’ compensation can be daunting, especially if you’re not familiar with the process. This guide will break down the essential steps in understanding workers’ compensation, using simple language to make it easy to grasp.

1. Understanding the Basics of Workers’ Compensation

Workers’ compensation is a safety net designed to protect employees who suffer workplace injuries or illnesses. It offers wage replacement, medical treatment, and various other benefits. To comprehend its importance, consider it as a support system that aids both the employee and employer in maintaining a balanced professional relationship. No-fault insurance makes this possible, which means that benefits are provided regardless of who caused the injury. This principle helps maintain workplace harmony by ensuring that the focus remains on recovery and rehabilitation.

The historical roots of workers’ compensation can be traced back to the early 20th century, developed as a response to the growing need for worker protection during the industrial revolution. Today, it plays a pivotal role in modern employment practices by setting a standard for employee well-being. Understanding these basics paves the way for further exploration into more detailed aspects of workers’ compensation. It’s your foundation for a safer work environment.

2. Determining Eligibility for Benefits

Eligibility for workers’ compensation often hinges on a few key factors. First, the injury must have occurred during the course of employment, meaning while you were performing work duties or acting in the interests of your employer. Second, the classification of the employee might affect eligibility; independent contractors, for instance, are typically not covered under standard workers’ comp policies. Understanding these distinctions is important for knowing your rights and potential entitlements.

Every state may have slightly different criteria and standards for workers’ compensation eligibility. That being said, certain commonalities exist, such as the necessity for timely reporting of the injury to your employer and sometimes a limitation period within which a claim must be filed. Exploring these requirements in your specific locale will give you a clearer picture of what qualifies as an eligible claim.

3. Filing a Claim Properly

The process of filing a workers’ compensation claim can indeed be complex, but understanding each step can significantly ease the burden. Initially, you must report your injury as soon as possible to your employer to initiate the claim process. Prompt reporting is essential not only for your health but also in safeguarding your right to benefits. After this, you’ll likely need to complete a claim form, detailing how and when the injury occurred.

After submitting necessary documentation, your employer or their insurance carrier will process the claim. It’s crucial to keep detailed records throughout this process, including medical reports and communications with all relevant parties. This documentation will be invaluable if any disputes arise or if further clarification is needed during the processing of your claim.

4. Understanding Benefits You May Receive

Workers’ compensation provides a range of benefits designed to support an employee’s recovery and return to work. Medical benefits cover the cost of treatment for the injury or illness, ensuring that you receive the care needed without debilitating financial pressures. Disability payments, on the other hand, provide wage replacement if an injury prevents you from working. This support can be temporary or permanent, partial or total, depending on the severity and impact of the injury.

In addition to these fundamental benefits, workers’ compensation often includes vocational rehabilitation. This support is aimed at helping injured workers return to the workforce in a suitable capacity, whether through new skill development or physical rehabilitation. Understanding each of these benefits will help you identify what assistance is applicable to your situation, empowering you to make informed requests and decisions regarding your recovery.

5. Dealing with Disputes and Appeals

Disputes in workers’ compensation claims are not uncommon, particularly when there are disagreements about the legitimacy of the claim or the extent of benefits awarded. When a claim is denied or disputed, it’s important to understand the resolution process. Most states have an appeals process that can be leveraged if you disagree with a decision regarding your claim. This process may involve hearings or mediation, where both parties present their arguments for review.

It’s advisable to seek legal advice or representation during dispute proceedings. Professional guidance can help navigate the complex legal landscape and improve the likelihood of a favorable outcome. Each step you take in resolving disputes or appeals should be well-documented. This record-keeping serves as evidence of your proactive efforts to secure the benefits you are entitled to, reinforcing the validity of your claim.

6. The Role of Your Employer and Insurance Carrier

Employers are legally obligated to provide workers’ compensation insurance for their employees. Their role extends beyond payment and extends to ensuring a safe working environment and cooperatively handling claims. It’s important for employees to communicate openly with their employers about injuries, as employer support can help streamline the recovery and claim process. Employers also play a part in implementing safety measures to prevent workplace injuries from occurring in the first place.

Insurance carriers, on the other hand, are responsible for evaluating claims, disbursing benefits, and managing the financial aspects of the compensation process. They act as intermediaries between the employer and employee and are tasked with maintaining fair and timely communication. Understanding how both entities function within the workers’ compensation framework can better prepare you for navigating your claims journey and recognizing when to seek additional support or intervention.

7. Staying Informed About Your Rights

As a worker, awareness of your rights is paramount to ensuring you are fully informed and protected under workers’ compensation laws. It’s essential to familiarize yourself with state-specific guidelines, as these dictate the precise scope of entitlements and responsibilities. Armed with this knowledge, you can confidently pursue the benefits you deserve. Employers are required to inform employees of their rights under workers’ compensation, often through postings or informational sessions.

Numerous resources are available to help you stay informed, including legal counsel, state workers’ compensation boards, and informational pamphlets provided by your employer. Staying proactive and informed not only empowers you but also minimizes the risk of missteps in the claims process. This approach will ensure you maximize the benefits available to you while maintaining compliance with all relevant laws and guidelines.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, misclassified payrolls, or whatever your issue. We can help!  We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers; we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that, if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The program takes the hassle out of doing annual audits, too.

If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

If you’re a New York contractor, your liability and workers’ compensation renewals are coming due sometime in the next 12 months — and this year, more than ever, you need to pay attention. The insurance marketplace for construction firms has tightened dramatically. Rates are changing, underwriters are asking tougher questions, and one mistake could cost you coverage, money, or even your ability to bid jobs.

Here are 10 key things every New York contractor should know before their renewal hits — followed by why BGES Group is the right partner to guide you safely through the process.

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1. The New York Construction Market Is Still the Toughest in the Country

New York’s construction liability market is notorious — Labor Law 240 (“the Scaffold Law”) and 241(6) make claims more severe, and insurers are cautious. Many carriers have reduced their appetite or pulled out entirely. That means your current insurance company might non-renew your policy or offer a big rate increase, even with no losses.

BGES Group specializes in this environment. We know which carriers are still writing New York construction risks and how to present your account so you get the most favorable terms possible.

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2. Carriers Are Looking Closely at “Gaps” in Coverage

If you’ve gone without liability or workers’ comp for even a short period, most insurance companies will red-flag your account. They assume gaps mean you were working uninsured — a major risk factor.

If your policy has lapsed, don’t wait until renewal to fix it. BGES Group can help you reinstate or replace your policy now and prepare a written explanation for underwriters that protects your reputation.

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3. Subcontractor Management Can Make or Break Your Renewal

Insurers now demand detailed proof that you’re properly vetting and obtaining certificates from your subs. If you can’t show active subcontractor agreements, hold harmless clauses, and proof of insurance, expect your renewal premium to spike.

BGES Group can review your subcontractor agreements and certificate tracking system to ensure you’re in full compliance — helping you avoid costly penalties or coverage exclusions.

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4. Labor Law Coverage Is Not Automatically Included

Some “cheap” general liability policies in New York exclude Labor Law coverage entirely. You might think you’re saving money — until a claim hits. A single fall injury on a job site can result in a seven-figure claim, and if your policy excludes it, you’re paying out of pocket.

When BGES Group markets your coverage, we make sure your policy includes Labor Law protection, additional insured endorsements, and primary/non-contributory wording — all the things general contractors and building owners require.

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5. Certificates of Insurance Are Under More Scrutiny

Owners and general contractors are rejecting certificates that don’t have the right language. They now check endorsements and policy forms. Sending out a certificate that doesn’t match your actual policy can delay payments or get you kicked off a job.

BGES Group issues precise, contract-compliant certificates quickly — and we’ll review your policies to make sure you can actually back up what your certificate says.

6. Payroll Audits Are Causing Major Headaches

Workers’ compensation and general liability audits have become more aggressive. If you don’t track payrolls, subcontractor costs, and classifications correctly, your audit bill could skyrocket.

BGES Group helps clients prepare for audits in advance. We explain how to categorize employees properly, gather records, and avoid overpaying. We can even help you contest unfair audit results.

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7. Rates Are Rising — But Smart Contractors Can Still Save

Rates for both liability and workers’ compensation are trending upward, especially for high-risk trades like masonry, roofing, and scaffolding. But not all contractors are treated equally. Underwriters reward those who can show strong safety practices, clean loss runs, and well-written contracts.

BGES Group positions your company to get the best rate possible — not just the one your renewal carrier offers. We shop your account to multiple specialized construction markets and negotiate aggressively on your behalf.

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8. Safety and Risk Management Are Bigger Factors Than Ever

Carriers now ask detailed questions about fall protection, site supervision, and employee training. A missing safety program can result in declined coverage or higher premiums.

BGES Group provides guidance on creating or improving your written safety manual, holding pre-job meetings, and documenting training — all of which help lower risk and show underwriters that your company is serious about safety.

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9. Misclassifying Workers Can Lead to Audit Bills or Penalties

Many contractors get hit with unexpected bills because their workers were misclassified. For example, you might classify someone as a carpenter when their actual work includes roofing. That’s a big problem during audits and can cause retroactive premium increases or even policy cancellation.

BGES Group reviews your class codes, payroll records, and subcontractor agreements to make sure everything is correct before renewal — preventing nasty surprises later.

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10. Renewal Time Is the Perfect Moment to Compare Your Coverage

Too many contractors just let their policy renew automatically. That’s risky. You might be missing key endorsements, paying too much, or staying with a carrier that doesn’t truly understand New York construction exposures.

BGES Group encourages every contractor to get a second opinion. We’ll review your current policy, identify hidden gaps, and show you better alternatives — often with stronger protection for less money.

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Why Contractors Choose BGES Group

BGES Group isn’t your typical insurance agency. We are construction insurance specialists — it’s what we do every day. We know the policies, carriers, and certificates that New York, New Jersey, and Connecticut contractors need to stay compliant, competitive, and protected.

Here’s what sets us apart:

• Expertise in New York Labor Law coverage

• Fast, contract-compliant certificates

• Access to top A-rated carriers still writing New York construction risks

• Aggressive shopping to get the best pricing available

• Personalized service from people who know your business

Whether you’re a small subcontractor or a mid-sized general contractor, BGES Group has the experience and carrier relationships to protect your business and help you win more jobs.

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Don’t Wait Until Renewal — Get a Quote Now

The best time to start the renewal process is 90 to 120 days before your current policies expire. That gives you time to fix issues, collect documents, and let BGES Group negotiate on your behalf.

Don’t risk higher premiums or gaps in coverage by waiting too long. Let BGES Group go to work for you — and show you why hundreds of New York contractors trust us year after year.

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Contact BGES Group Today

BGES Group

Construction Insurance Specialists for New York, New Jersey, and Connecticut Contractors

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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Final Thought:

Renewal time shouldn’t be stressful — it should be your opportunity to strengthen your protection and save money. With BGES Group, you’ll have experts who understand the New York construction market inside and out, fighting to get you the best possible results. Don’t leave your insurance — or your business — to chance. Call BGES Group today.

When owners, risk managers and general contractors hire subcontractors, they’re not just buying labor — they’re buying peace of mind. A single site accident or an uninsured subcontractor can bring a project to a halt, cost tens (or hundreds) of thousands, and trigger hard-to-manage claims and litigation. Below is a practical guide to the insurance coverages most often requested from subcontractors on New York-area construction jobs — grouped into liability, workers’ compensation, and auto — followed by what BGES Group offers contractors in New York, New Jersey and Connecticut.

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Liability coverages (what owners and GCs typically require)

Owners and GCs want certainty that third-party bodily injury and property damage exposures are covered and that the downstream insurance will actually respond if something happens. Common requirements and endorsements include:

• Commercial General Liability (CGL)

• Standard coverage for bodily injury and property damage occurring on the job.

• Typical request: minimum limits (commonly) $1,000,000 per occurrence / $2,000,000 aggregate — but larger projects often require higher limits.

• Completed Operations & Products Liability

• Protects the GC/owner for damage or injury caused after work is completed — essential for trades whose work could cause future loss (roofs, waterproofing, mechanical, electrical, etc.).

• Additional Insured (AI) Endorsement — CG 20 10 / CG 20 37 or equivalent

• Owners and GCs will require to be named as Additional Insureds on the subcontractor’s CGL for ongoing operations and increasingly for completed operations as well.

• Often specified to be “Primary & Non-Contributory” so the subcontractor’s policy responds first without contribution from the GC/owner’s policy.

• Waiver of Subrogation

• Owners/GCs often require subcontractors to waive the insurer’s right to subrogate against them for work-related losses. This prevents the insurer from pursuing the owner/GC after paying a claim.

• Pollution Liability / Environmental

• Needed for trades that could release pollutants (painting, roofing, HVAC, fuel handling, waste removal). May be required on certain projects.

• Professional Liability (if applicable)

• For design-build or work with technical specifications (engineers, design-build trade contractors).

• Umbrella / Excess Liability

• Projects frequently require higher limits through umbrella policies (common increments: $5M, $10M) to provide an extra layer over primary CGL.

Workers’ Compensation & Employers’ Liability

Because injuries to workers create immediate exposure to owners and GCs (including stop-work orders or project delays), documentation and limits are critical.

• Statutory Workers’ Compensation

• Proof of statutory workers’ comp coverage for all employees of the subcontractor in the job state(s). In NY this is mandatory for virtually all employers.

• Employers’ Liability

• Provides protection for employee claims not covered by workers’ comp (typical limits requested: $500,000 to $1,000,000; higher exposure jobs may need more).

• Waiver of Subrogation in favor of Owner/GC

• Commonly required so the WC carrier can’t later sue the owner/GC.

• Evidence of Coverage

• Certificates of Insurance plus policy endorsements or letters from the carrier confirming coverage and any waivers.

• Statutory Filings / Certificates for Out-of-State Workers

• For multi-state projects, owners/GCs expect documentation showing proper coverage for employees working across state lines.

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Auto & Transportation Coverages

Site deliveries, equipment movement, and personnel transport create auto exposure.

• Commercial Auto Liability

• Covers owned, hired and non-owned autos used on the project. Limits commonly requested: at least $1,000,000 combined single limit on many projects.

• Hired & Non-Owned Auto Liability (HNOA)

• Essential when subcontractors use rental vehicles or employees’ personal cars for company business.

• Physical Damage / Comprehensive & Collision

• When subcontractor equipment or vehicles will be on site, owners may ask for evidence of physical damage coverage.

• Motor Truck Cargo (if applicable)

• For contractors hauling other parties’ materials.

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Certificates, Endorsements & Administrative Expectations

Beyond the bare coverages, owners and GCs typically require:

• A Certificate of Insurance (COI) naming owner/GC as Additional Insured and showing required limits.

• Endorsement copies (not just the COI) proving Additional Insured, Primary & Non-Contributory language, and Waiver of Subrogation.

• Thirty (30) day cancellation (or shorter) notice to the certificate holder — many owners ask for 10/30 day depending on contract.

• Policy review for high-risk trades or large projects — underwriters may be asked to confirm scope.

• Subcontractor safety programs, drug-testing, hot-work permits and loss-control documentation for higher-risk operations.

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Why these protections matter (brief)

When a subcontractor lacks coverage or has inadequate limits, the owner/GC can be exposed to direct financial loss, project delays, and legal fights. Properly structured insurance plus contractual indemnity language and the right endorsements protect the project team and keep work moving.

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How BGES Group helps contractors and owners

BGES Group specializes in construction and contractor insurance throughout New York, New Jersey and Connecticut. We know construction contract language and the coverages owners and GCs insist upon — and we work to bridge the gap between contractual requirements and affordable insurance solutions.

What BGES brings to the job:

• Policy placement & limit structuring — matching coverages (CGL, completed ops, WC, auto, umbrella) to contract requirements so you won’t fail a COI check.

• Certificate & endorsement issuance — fast delivery of COIs and the specific endorsements owners/GCs request (AI, primary/non-contributory, waiver of subrogation).

• Loss control & safety consulting — practical on-site risk-reduction guidance to lower premiums and improve insurability.

• Claims advocacy — when a claim occurs, BGES helps manage the process with carriers to protect the contractor’s and GC’s interests.

• Flexible options for small and large contractors — from single-trade subcontractors to larger firms needing project-specific policies and high-limit umbrella placements.

• Local experience — familiarity with New York City and regional requirements, union/regulatory nuances, and local carriers that underwrite construction risk.

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Final note + contact

If you’re a subcontractor preparing for bids or a risk manager/GC preparing project insurance requirements, getting your insurance structure right before you start work saves time and money.

For help aligning your insurance with contractual requirements or to request a quick policy review, contact:

BGES Group

Phone: Gary Wallach — 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Serving contractors across New York, New Jersey & Connecticut.

When starting any construction project—whether building a new home, renovating a property, or managing a commercial build—the foundation of a successful job isn’t just concrete and steel. It’s the construction contract. A well-drafted construction contract is the blueprint that keeps every party protected, clearly defining expectations, responsibilities, and risk allocation.

In New York, New Jersey, and Connecticut—where construction laws and liability exposures are among the toughest in the nation—having a proper contract is crucial. Below, we’ll walk you through the key elements every construction contract should include, and then introduce you to BGES Group, the construction insurance specialists who help contractors across the tri-state area protect their businesses and employees.

1. Clear Identification of the Parties Involved

Every construction contract should start by naming all parties involved—the property owner, general contractor, and any subcontractors. Include company names, business addresses, and contact information. This may sound simple, but legal disputes often arise from vague or incorrect identification.

Clearly identifying all entities ensures that if there’s ever a problem—such as nonpayment or an injury claim—there’s no confusion over who is responsible.

2. Detailed Scope of Work

The scope of work defines exactly what the contractor will (and will not) do. This section should outline materials, labor, equipment, timelines, and specific services.

Ambiguous wording such as “perform general construction work” leaves too much room for disagreement. Instead, include specific descriptions like:

• Install new framing and drywall in all interior walls
• Replace roofing with 30-year architectural shingles
• Paint all surfaces using two coats of premium-grade paint

In New York and New Jersey, where labor laws and regulations are strict, having a precise scope of work can prevent costly misunderstandings and legal issues later.

3. Project Timeline and Milestones

Construction projects often face delays. A well-written timeline helps keep everyone accountable.

Include:

• Start and completion dates
• Key milestones (foundation, framing, electrical, inspections)
• Provisions for extensions due to weather or unforeseen conditions

Setting milestones allows progress payments to be tied to specific achievements—reducing disputes over when and how much the contractor should be paid.

4. Payment Terms and Schedule

Disputes over money are among the most common causes of construction lawsuits. Your contract should specify:

• The total project cost
• Payment schedule (e.g., 30% deposit, 30% at midpoint, 40% upon completion)
• Accepted payment methods
• How change orders or additional work will be billed

In addition, clearly define retainage (the percentage withheld until project completion) and any penalties for late payments. For contractors, this section is your financial protection; for owners, it ensures accountability.

5. Change Order Procedures

Changes are inevitable in construction. Maybe the owner decides on higher-end finishes or an unexpected issue is uncovered during renovation.

Your contract should include a change order clause that explains how modifications are requested, approved, and priced.

Without this section, contractors can be stuck performing additional work without proper compensation, or owners may face unexpected bills.

6. Insurance and Risk Management Requirements

This section is critical—especially in New York, New Jersey, and Connecticut, where construction claims and lawsuits can be severe.

The contract should specify:

• Types of insurance required (General Liability, Workers’ Compensation, Umbrella, etc.)
• Minimum coverage limits
• Certificates of Insurance naming all required additional insureds
• Waiver of subrogation, primary and non-contributory wording, and completed operations coverage

If you’re a general contractor, make sure subcontractors provide proof of coverage before stepping on site. If you’re a property owner, require these documents to ensure you’re protected if an injury or accident occurs.

This is one of the most common areas where construction projects go wrong—and where BGES Group can make a huge difference.

7. Indemnification and Liability Clauses

These clauses protect one party from being held responsible for another’s negligence.

In New York, indemnification language must be carefully worded to comply with Labor Law 240/241, also known as the “Scaffold Law.” Improper wording could make a contractor assume unnecessary liability.

Contracts should clearly state which party is responsible for accidents, property damage, or third-party claims. Always have an insurance professional or attorney review this section.

8. Termination and Default Conditions

This section explains when and how either party can terminate the contract.

It should include:

• Conditions for termination (nonpayment, failure to perform, breach of terms)
• Notice requirements before termination
• Responsibilities after termination (cleanup, final payments, return of materials)

Without clear termination terms, both contractors and owners can find themselves in lengthy, expensive disputes.

9. Dispute Resolution Procedures

Even with the best contract, disagreements can happen. Including a dispute resolution clause saves time and money.

Options include:

• Mediation: A neutral party helps resolve the dispute.
• Arbitration: A faster, private process instead of court.
• Litigation: When other methods fail, disputes go to court.

For contractors, arbitration often offers the most cost-effective path to resolution. For owners, mediation can preserve working relationships.

10. Warranties and Guarantees

The contract should spell out any warranties—both for workmanship and materials.

Typical examples include:

• One-year workmanship warranty
• Manufacturer warranties for roofing, windows, or HVAC systems
  Make sure warranty terms are written clearly to avoid misunderstandings after completion.

11. Safety and Compliance Provisions

In the tri-state area, compliance with OSHA and state safety regulations is non-negotiable.

Contracts should confirm that all work will comply with:

• Local building codes
• OSHA standards
• State and municipal safety laws
  Incorporate language requiring contractors to maintain daily safety inspections, provide fall protection, and train employees properly.

Why BGES Group Is the Construction Industry’s Go-To Insurance Partner

After your contract is in place, the next step is securing the right insurance coverage—because even the best-written agreement won’t protect you from every risk. That’s where BGES Group comes in.

BGES Group specializes in construction insurance across New York, New Jersey, and Connecticut, helping contractors, builders, and property owners stay protected from costly lawsuits and jobsite claims. With decades of experience, BGES Group understands the unique exposures that come with working in the construction industry—especially under New York’s complex labor laws.

Our team provides:

• Workers’ Compensation Insurance tailored for construction firms of all sizes
• General Liability Policies that include Labor Law coverage, additional insured status, primary & non-contributory language, and waiver of subrogation
• Umbrella and Excess Liability coverage for large commercial and public projects
• Certificates of Insurance delivered fast—so you can start jobs without delay

Whether you’re a small subcontractor, general contractor, or developer, BGES Group makes sure your business is fully protected—and that your insurance aligns perfectly with your construction contract requirements.

Final Thoughts

A construction contract isn’t just paperwork—it’s your shield. It prevents misunderstandings, ensures timely payments, and minimizes liability exposure. Combine a solid contract with proper insurance from BGES Group, and you’ll have complete protection for your business and every project you undertake.

For expert help with construction insurance in New York, New Jersey, or Connecticut, contact BGES Group today:

📞 Gary Wallach – (914) 806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Running a contracting business in New York is no easy task. Between tight project deadlines, demanding clients, and constantly changing regulations, the last thing a contractor should have to worry about is whether their insurance coverage is properly handled. Yet, for many New York contractors, business insurance has become one of the most frustrating aspects of their operations.

Below are the 10 biggest complaints New York contractors have about their business insurance — and how working with a specialized, hands-on agency like BGES Group can make all the difference.

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1. Liability Insurance Rates Are Through the Roof

Contractors across New York are feeling the squeeze of skyrocketing liability insurance premiums. From general contractors to small home improvement companies, rates have jumped dramatically due to rising claim costs, stricter underwriting, and New York’s infamous Labor Law 240 (“Scaffold Law”). Many contractors feel punished for simply being in business, paying tens of thousands more per year with little explanation.

BGES Group’s Approach: We aggressively shop every renewal through top construction markets and specialty wholesalers to find fair, competitive pricing. We don’t just accept rate increases — we push back and negotiate. Our team understands the New York market better than most and works tirelessly to get you the best coverage for the best price.

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2. Too Many Exclusions — and No One Explains Them

Many contractors discover, often too late, that their policies are loaded with exclusions that gut coverage when it’s needed most. Common exclusions include residential work, subcontractor claims, roofing, or Labor Law coverage. Unfortunately, most agents fail to explain these critical details, leaving contractors exposed and unaware.

BGES Group’s Approach: We thoroughly review every policy line-by-line with our clients, pointing out any exclusions that could affect them. We explain what they mean in plain English — not insurance jargon — and explore ways to fill those gaps. Knowledge is protection, and we make sure our clients fully understand what they’re paying for.

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3. A New Account Executive Every Few Months

One of the biggest frustrations contractors express is the constant turnover within large insurance agencies. Just when you build a relationship with an account executive, they’re gone — and you’re left explaining your business all over again to someone new.

BGES Group’s Approach: We’re stable, consistent, and personal. You work directly with the same professionals year after year. You’ll never be shuffled between new faces or departments. Our clients know who they’re dealing with — and that we know their business inside and out.

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4. Brokers Don’t Fully Understand Construction Policies

Many general insurance brokers simply don’t have the construction expertise required to handle New York contractor accounts. They may not understand indemnification clauses, additional insured endorsements, or Labor Law issues — leading to costly mistakes or coverage gaps.

BGES Group’s Approach: Construction insurance is all we do. Our team has decades of experience working exclusively with New York contractors — from small artisans to large general contractors. We know the coverages, forms, and contractual obligations required to keep you properly protected.

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5. Agencies Keep “Rolling Over” Policies Without Shopping

A common complaint among contractors is that their agent simply renews the same policy year after year without checking for better options. Rates keep rising, coverage stays the same (or worse), and the contractor feels like no one is actually working for them.

BGES Group’s Approach: We never “roll over” policies. Each year, we re-market every renewal to ensure you’re getting the most competitive rates and coverage options available. We fight for our clients at every renewal — not just the first year we write the policy.

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6. Agents Are Never Available by Phone

Few things are more frustrating than calling your agent and getting voicemail after voicemail — or being told “they’re in a meeting” every time you call. Contractors are busy people who need fast answers, not delays.

BGES Group’s Approach: When you call BGES Group, you get us on the phone. We’re old-school in the best way — we believe in personal service, direct communication, and fast response. Our clients appreciate that when they call, we answer.

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7. It Takes Hours to Get a Certificate of Insurance

Certificates of insurance are a constant headache for contractors who need them quickly to start or continue work. Delays from their insurance agency can stall projects, damage relationships with general contractors, and even cost them jobs.

BGES Group’s Approach: We understand the urgency. Our clients typically receive certificates within minutes, not hours. We know your time is valuable and that delays can cost you money — so we make sure you have what you need right away.

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8. Problems Take Forever to Resolve

When an issue arises — a coverage dispute, a claim question, or a missing document — many contractors find it nearly impossible to reach the right person or get a quick resolution. Calls get routed between departments, and frustration builds.

BGES Group’s Approach: We don’t bounce you around or pass the buck. When you have a problem, we take ownership and handle it immediately. You deal directly with decision-makers who can resolve issues fast and efficiently. Our goal is simple: keep your business moving without interruptions.

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9. Agencies Have Grown Too Big and Impersonal

Many insurance agencies have merged or been bought out by larger corporations. While growth can be good, for contractors it often means losing the personal touch. What was once a close, caring relationship turns into an impersonal 1-800 experience where you’re just another account number.

BGES Group’s Approach: We may handle millions in premium, but we still operate like a mom-and-pop shop. You’re never “just a number.” We know our clients by name, understand their operations, and genuinely care about their success. We take pride in offering old-fashioned customer service with modern expertise.

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10. Feeling Like No One’s Fighting for Them

At the end of the day, many contractors feel like they’re on their own — no one is truly advocating for them when dealing with underwriters, claims adjusters, or certificate holders. They want someone who’s in their corner.

BGES Group’s Approach: We fight for our clients. Whether it’s negotiating better pricing, helping resolve a claim, or pushing back on unfair terms, we go to bat for you. Our reputation is built on standing up for contractors — and delivering real results.

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Why Contractors Choose BGES Group

BGES Group isn’t your typical insurance agency. We’re a hands-on, experienced team that knows the construction business and understands the real-world challenges New York contractors face every day.

When you call, you get us — not voicemail. When you need something, we handle it immediately. When problems arise, we solve them.

We believe in building long-term relationships, providing clear explanations, and delivering personal service that large agencies simply can’t match. Our clients trust us because we care — and because we deliver.

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Get a Partner Who Has Your Back

If you’re tired of rising premiums, poor communication, and being treated like just another policy number, it’s time to experience the BGES Group difference.

We’ll review your current policies, explain what you’re really covered for, identify savings opportunities, and ensure you’re properly protected.

Call 914-806-5853 – Gary Wallach

Email bgesgroup@gmail.com

Website: www.bgesgroup.com

In New York’s construction world, contractors face nonstop pressure — from keeping projects on time to managing rising costs and navigating complex insurance requirements. One mistake or coverage gap can cost thousands, even millions. That’s why more and more contractors are rethinking their insurance partners and turning to BGES Group, a specialist that truly understands New York’s construction industry and delivers protection that actually works.

Here are the top 10 insurance concerns New York contractors face — and how BGES Group helps them tackle each one.

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1. Skyrocketing Premiums and Limited Market Options

Over the past few years, insurance premiums for general liability, workers’ compensation, and excess liability have surged. Many carriers have tightened underwriting standards or exited the New York market altogether. Contractors are left scrambling for coverage — and some end up paying double what they did a few years ago.

How BGES Group helps:

BGES Group has deep relationships with multiple A-rated carriers that still actively write New York construction accounts. They know how to present contractors’ operations the right way to get competitive quotes where others can’t. Contractors often find that BGES Group can place coverage after several other brokers failed.

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2. Misclassification and Audit Nightmares

Many contractors discover at audit time that their policies were misclassified — resulting in surprise bills of tens of thousands of dollars. A simple coding error or failure to project payroll accurately can lead to a financial shock.

How BGES Group helps:

BGES Group reviews every classification code to make sure it reflects actual work performed. They educate clients about reporting payroll properly, ensuring there are no surprises at audit. Their proactive communication prevents the dreaded end-of-year “audit bomb.”

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3. Gaps in Additional Insured and Contractual Liability Coverage

General contractors and project owners demand specific additional insured endorsements, hold harmless wording, and waiver of subrogation clauses. If a subcontractor’s policy doesn’t match contract requirements exactly, it can lead to costly disputes or project delays.

How BGES Group helps:

BGES Group knows New York construction contracts inside and out. They make sure every endorsement — including CG 20 10, CG 20 37, and primary/noncontributory wording — is in place before the work starts. They don’t just sell a policy; they ensure it satisfies real-world contract obligations.

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4. Incomplete Completed Operations Coverage

Some contractors find out too late that their insurance doesn’t protect them for claims after a project is finished. In New York, where lawsuits can arise years after completion, this is a critical concern.

How BGES Group helps:

BGES Group ensures all policies include proper completed operations protection for the legally required duration. They also help contractors negotiate upstream agreements to make sure all required parties are covered as additional insureds on a completed operations basis. This forward-thinking approach gives long-term peace of mind.

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5. The Workers’ Compensation Crisis

Workers’ compensation remains one of the biggest headaches for New York contractors. Many have been non-renewed, classified as “high risk,” or placed into assigned-risk pools with sky-high rates.

How BGES Group helps:

BGES Group specializes in workers’ compensation — it’s one of their strongest areas. They understand the system, know how to get contractors out of assigned-risk pools, and can often secure quotes even for hard-to-place trades like roofers, framers, and scaffolders. Their expertise in this area has been a lifesaver for many businesses.

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6. Inadequate Umbrella and Excess Liability Coverage

Many contractors underestimate how much liability protection they need. With large jobsite exposures, serious injury claims, and New York’s strict Labor Law 240 (“Scaffold Law”), limits of $1 million are no longer sufficient.

How BGES Group helps:

BGES Group builds layered programs that include excess or umbrella coverage over general liability, auto, and workers’ comp. They identify cost-effective solutions that meet contractual limits — often $5 million or more — without breaking the budget. When excess markets decline, they have alternative solutions ready.

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7. Noncompliance with New York’s Labor Laws

Labor Laws 240 and 241 make contractors and property owners absolutely liable for gravity-related injuries. Many insurers avoid this exposure or add exclusions that leave contractors unprotected.

How BGES Group helps:

Because BGES Group works exclusively in the New York market, they know which carriers provide true Labor Law coverage — not watered-down versions. They review policy exclusions line by line to ensure contractors aren’t left exposed to multimillion-dollar lawsuits.

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8. Certificates of Insurance Delays

Every contractor knows the frustration of waiting days for a certificate of insurance just to get paid or start work. Many large agencies operate like factories — slow, impersonal, and overloaded.

How BGES Group helps:

BGES Group runs differently. They are hands-on, responsive, and personal. Certificates are usually issued the same day — often within hours. Contractors love that BGES Group treats their business as a priority, not a number in a corporate queue.

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9. Lack of Personalized Service and Guidance

Many contractors complain their previous agencies didn’t return calls, didn’t explain policy changes, or failed to follow through. In an industry where margins are tight and liability is massive, that lack of service can be disastrous.

How BGES Group helps:

BGES Group isn’t a “factory agency.” They take the time to understand each client’s business — its jobs, exposures, and goals. They don’t just place coverage; they act as trusted advisors. Contractors frequently say working with BGES Group feels like having an insurance department inside their company.

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10. Difficulty Getting Claims Handled Quickly and Fairly

When an accident happens, contractors need help fast. Many agencies disappear once the claim is filed, leaving clients to deal with adjusters on their own.

How BGES Group helps:

BGES Group stays involved from the first notice of loss through resolution. They help gather documentation, communicate with adjusters, and advocate for fair settlements. Their clients know they won’t be abandoned when things go wrong — BGES Group is there every step of the way.

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Why New York Contractors Are Turning to BGES Group

More and more contractors are discovering what sets BGES Group apart. They’re not a massive corporate agency where clients get passed around. They’re a specialized, highly experienced insurance team that knows New York construction inside and out.

Contractors appreciate how knowledgeable and proactive they are — always anticipating problems, negotiating better coverage, and securing policies that satisfy tough contract requirements. BGES Group’s ability to get hard-to-place accounts insured has earned them a loyal following across New York and beyond.

When a contractor says, “No one else could get me coverage,” BGES Group steps in and gets the job done. That reputation for results, integrity, and personal service is why they’re becoming one of the most trusted names in construction insurance.

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About BGES Group

BGES Group is a leading insurance specialist serving New York contractors and construction companies of all sizes. They provide comprehensive coverage solutions including general liability, workers’ compensation, excess liability, commercial auto, and more.

What makes BGES Group different is their hands-on service, deep expertise, and fast response. They take pride in helping contractors get the coverage they need — affordably and efficiently — even when others can’t.

For more information or a free consultation, contact:

📞 Gary Wallach

BGES Group

Workers’ Compensation & Construction Insurance Specialists

Phone: 914-806-5853 – Gary Wallach

Email: bgesgroup@gmail.com

Website: https://www.bgesgroup.com

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If you’re a New York contractor tired of high premiums, coverage gaps, or slow, factory-style agencies — call BGES Group. They know the challenges you face, and they know how to protect your business, profits, and future.

As 2026 approaches, New York contractors face an increasingly difficult environment—rising construction costs, stricter compliance laws, tougher insurance markets, and more demanding project owners. Whether you’re a general contractor in Manhattan or a subcontractor working in Brooklyn or Long Island, success in the coming year will require being smart, compliant, and financially protected.

This 2026 Contractor Survival Guide gives you 10 essential tips every New York construction professional needs to know to safeguard their business, control costs, and protect their reputation.

And when it comes to protecting your operation, no one knows the New York construction landscape better than BGES Group, the state’s trusted name in contractor insurance and risk management.

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1. Review and Update Your General Liability Insurance

One of the biggest threats for New York contractors in 2026 is having the wrong or incomplete general liability insurance. Lawsuits are larger, contracts are stricter, and underwriters are tightening terms.

Make sure your liability policy covers:

• Completed operations

• Subcontractor exposures

• Contractual liability requirements

BGES Group ensures your policies include essential endorsements such as:

• Blanket additional insured

• Primary and non-contributory wording

• Waiver of subrogation

• Per-project aggregate limits

A one-size-fits-all policy could leave your business financially exposed. Custom coverage is the only way to protect your company in New York’s fast-moving construction market.

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2. Prioritize Workers’ Compensation Compliance

New York has some of the strictest workers’ compensation regulations in the country. Non-compliance can lead to steep fines, audits, and disqualification from bids.

To stay compliant in 2026:

• Verify your classification codes are accurate

• Collect valid certificates of insurance from all subs

• Maintain organized payroll and job records

• Keep your Experience Modification Rating (EMR) below 1.0

BGES Group specializes in helping New York contractors manage workers’ comp audits, appeal overcharges, fix errors, and reduce claim costs. That can mean thousands of dollars in annual savings and better renewal rates.

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3. Get Ahead of Contract Risk Transfer

Construction contracts have become minefields of hidden liability. General contractors and owners increasingly push risks downstream—onto you.

Before signing, review all indemnification, insurance, and hold harmless clauses. Never assume you’re automatically covered under another party’s policy.

Survival Tip: Always request proof—get the additional insured endorsement and confirm the wording meets the contract terms. BGES Group can review your contracts to ensure your company isn’t unfairly burdened with someone else’s liability.

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4. Control Subcontractor Risk

Your subs’ insurance is your insurance problem if something goes wrong. In New York, one uninsured subcontractor can expose you to lawsuits or void your coverage.

Make sure you:

• Require valid certificates of insurance

• Match their limits to your requirements

• Track expiration dates

• Verify coverage types and endorsements

BGES Group helps contractors monitor certificates automatically, so you’re always protected and compliant.

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5. Plan for Rising Costs

Material costs, labor, and insurance premiums are all rising in 2026. Contractors that don’t adjust pricing or plan ahead risk major losses.

Protect your profits by:

• Adding escalation clauses to your contracts

• Reviewing insurance annually

• Eliminating duplicate or outdated coverages

BGES Group has access to dozens of construction-focused insurance markets, allowing you to get the best rates and coverage options—without sacrificing protection.

6. Strengthen Your Safety Programs

Safety isn’t just good ethics—it’s smart business. In New York, poor safety records mean higher premiums, lost contracts, and greater liability exposure.

Invest in:

• Regular toolbox talks and training programs

• Written safety plans (fall protection, PPE, hazard communication)

• Jobsite inspections and documentation

BGES Group helps clients design custom safety manuals, create reporting systems, and implement procedures that reduce both injuries and insurance costs.

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7. Protect Against Cyber and Fraud Risks

Digital threats are rising in the construction industry. Fake invoices, ransomware, and vendor impersonation scams are becoming common.

Protect your company by using:

• Secure email and payment systems

• Verbal verification for wire transfers

• Cyber liability insurance coverage

Even small New York contractors are targets now. Cyber protection is no longer optional.

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8. Keep Your Certificates, Licenses, and Bonds Up to Date

Expired or inaccurate paperwork can stall projects, delay payments, or violate contract terms.

Stay organized by tracking:

• Insurance certificates

• Contractor licenses

• Surety bonds and renewal dates

Clients expect professionalism, and compliance keeps your reputation strong and your cash flow steady.

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9. Build a Relationship with a Construction Insurance Specialist

Not all insurance brokers understand New York construction. Many miss crucial coverage gaps or misclassify your operations.

BGES Group has been protecting New York contractors for over 44 years. From small subs to large general contractors, we know how to negotiate with underwriters, manage claims, and fix the coverage mistakes that others overlook.

We’re not just your broker—we’re your partner in protection.

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10. Don’t Wait Until Renewal to Act

The worst time to fix your insurance is right before renewal. Start preparing 60–90 days in advance so your broker can:

• Review your losses

• Correct errors

• Market your account to multiple carriers

Proactive contractors get better pricing, stronger coverage, and fewer renewal headaches. Waiting too long can cost you thousands.

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How BGES Group Helps New York Contractors Survive and Succeed

At BGES Group, we specialize in New York construction insurance, including:

• General liability

• Workers’ compensation

• Commercial auto

• Umbrella/excess liability

• Bonding

We understand the challenges New York contractors face—tight bid margins, strict jobsite rules, contract traps, and constant pressure to stay compliant.

Our team helps you:

✅ Get coverage when others can’t

✅ Fix workers’ comp classification errors

✅ Handle audits and disputes

✅ Review and negotiate contracts

✅ Stay compliant with New York Labor Law 240/241

✅ Lower costs while improving protection

Whether you operate in Manhattan, Brooklyn, Queens, the Bronx, Long Island, or Upstate New York, BGES Group has the knowledge and insurance carrier relationships to help you succeed.

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About BGES Group

BGES Group is a trusted insurance and risk management firm specializing in New York construction insurance and workers’ compensation programs. With over three decades of experience, we provide expert guidance, custom coverage, and hands-on service that big national brokers can’t match.

📍 Website: https://www.bgesgroup.com

📧 Email: bgesgroup@gmail.com

📞 Call Gary Wallach: 914-806-5853

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Final Word

The 2026 New York construction market will reward the contractors who plan ahead, manage risk, and align with experts who truly understand the industry. Don’t wait for a claim, audit, or lawsuit to find your weaknesses.

Let BGES Group help you stay protected, compliant, and profitable all year long.