Navigating the world of roofing insurance can be tricky, especially in New York where regulations and requirements are constantly evolving. As a contractor, it’s crucial to have the right coverage to protect yourself and your business. In this guide, we’ll break down some essential tips to help you make informed decisions about your insurance needs.

1. Understanding Different Types of Coverage

Knowing the various types of roofing insurance available—such as liability, workers’ compensation, and equipment coverage—can help you determine which policies suit your business needs best.

Liability insurance is crucial as it covers potential lawsuits and claims against your business. This includes property damage and bodily injuries that might occur during a project. Without liability insurance, contractors could face significant financial distress from legal fees or settlements, jeopardizing their business operations and personal assets.

Workers’ compensation insurance is another essential type of coverage. It protects both the contractor and employees from occupational injuries and illnesses. This is not just a wise choice; it is required by law in New York. Further details on the requirements can guide you in compliance, ensuring your business operates without legal interruptions and keeps its workforce safe.

2. Evaluating Your Business Needs

Every roofing business is unique. Consider factors like your business size, the types of projects you undertake, and potential risks to tailor your insurance coverage accordingly.

For instance, smaller businesses might work on residential roofs with moderate heights, while larger firms may undertake expansive commercial projects. The scope of work influences the insurance extent necessary to cover potential hazards adequately. Evaluating these factors allows for customized policies that fit your specific operations like a glove.

Consider your typical project locations and environments. Urban settings may have different risk factors compared to suburban or rural sites. Understanding these nuances can guide your coverage needs effectively. A deep dive into local risk factors, such as weather conditions and crime rates, can help you and your insurance provider configure the best possible coverage plan to ensure all bases are covered.

3. Comparing Insurance Providers

Shopping around and comparing quotes from different providers can help you find competitive rates and the most comprehensive coverage for your needs.

Don’t settle for the first insurance provider you come across. It’s beneficial to evaluate multiple quotes, not just for price comparison but also for understanding the coverage nuances each provider offers. Consider their customer service reputation, the ease of filing claims, and additional services that may add value to your choice.

Reading reviews and seeking recommendations from fellow professionals can provide insights that you might not gather from the brochures. Also, many aspects like coverage for natural disasters and special amendments can differentiate one provider from another, making the decision process more informed.

4. Understanding New York State Regulations

Being aware of New York’s specific insurance requirements for contractors ensures compliance and helps avoid potential fines or legal issues.

New York mandates various insurance coverages that you need to adhere to diligently. Staying updated on these regulations can prevent any unwelcome surprises during audits or inspections. Sometimes these rules may change, influenced by political or economic factors, so keeping a finger on the pulse through regular checks on official state websites is a wise business practice.

5. Reviewing Policy Exclusions

Familiarize yourself with any exclusions in your policy to prevent gaps in coverage that could expose your business to significant risks.

Policy exclusions aren’t always apparent at first glance. They often hide in the small print and include specific scenarios that your insurance won’t cover. For instance, certain acts of nature, like earthquakes, might not be included unless specially added. It’s crucial to scrutinize these exclusions, consulting with your insurance agent if necessary, to ensure you fully grasp how and when you are protected.

Additionally, some exclusions might depend on your business’s field of work. If your projects frequently involve high-risk modifications or materials, make sure to cross-check these with your policy details to avoid potential oversight. Comprehensive knowledge in these areas will save you from unintended financial burdens in the long run.

6. Ensuring Adequate Liability Coverage

Liability insurance protects you from claims arising from accidents or damage. Ensure your policy limits are sufficient for the scale and nature of your projects.

Consider industry benchmarks and averages when setting your liability limits. Excess coverage might seem unnecessary until faced with a claim that significantly exceeds your basic cover. Overextending your coverage might be expensive in the short term but is often less costly than the settlement or repair costs of a potentially devastating claim.

7. Keeping Your Coverage Up-to-Date

Regularly review and update your insurance policies to reflect changes in your business operations and industry standards.

As your business grows, so do your coverage needs. Yearly assessments of your insurance policy ensure you remain adequately protected against the evolving contours of your operations. Whether it’s expanding into new service areas or adjusting workforce numbers, each change can impact your risk profile and, subsequently, your need for adjusted coverage.

8. Building a Relationship with Your Insurance Agent

A good relationship with your insurance agent can promote clear communication and help you navigate the complexities of insurance policies and claims.

Having an agent who understands your business’s specific needs allows for tailored advice that’s in line with those requirements. Good rapport fosters transparency and trust, which are crucial during the claim process or when unexpected challenges arise. An insurance agent acts as a valuable resource and partner in ensuring your continued success.

9. Protecting Your Tools and Equipment

Make sure your insurance includes protection for your tools and equipment, which are essential for your everyday operations.

Tools and equipment are significant investments, and their loss or damage can disrupt your ability to work. Exploring options such as inland marine insurance can provide protection for tools and machinery while in transit or at job sites. This coverage ensures minimal downtime, allowing you to focus on maintaining business continuity even amidst misfortunes.

10. Handling Claims Efficiently

Knowing how to handle claims promptly and effectively can help mitigate losses and speed up the recovery process for your business.

The first step is to have a comprehensive record-keeping system in place. Maintain detailed documentation of all incidents and communicate immediately with your insurer to expedite the claim process. Quick responses can significantly affect the outcome of claims and potential reimbursements. Prepare by understanding your policy fully, enabling a smoother claim journey.

Training your team on the procedural aspects of handling incidents and claims can also streamline the process. Ensure that every team member knows whom to contact and what steps to take should an incident occur. Such preparedness significantly reduces the stress and potential disputes associated with claims.

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

© – Copyright – 2025 – BGES Group

In today’s fast-paced, impersonal world of business insurance, finding a broker who truly cares, takes the time, and gets things right the first time is like finding a needle in a haystack. Most insurance agencies have adopted the “factory model” — high volume, low attention, and constantly changing personnel. But BGES Group, a boutique New York insurance agency that specializes in construction coverage, is a powerful exception to this rule.

With over four decades of real-world expertise and a commitment to first-class service, BGES Group delivers an experience that is refreshingly personal and professional. If you’re a contractor in New York or the surrounding area, here are 10 reasons why BGES Group is so much better to work with than most other insurance agencies.

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1. We Answer Our Phones When You Call

It may seem basic, but how many times have you been stuck in voicemail jail or had to wait days for a call back from your insurance broker? At BGES Group, we always answer the phone. When you call, you get a real human being on the line — ready to help you. No endless menus. No “we’ll get back to you in 48 hours.” Just direct, real-time support.

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2. Work Directly With a Specialist With 44 Years of Experience

Your business insurance shouldn’t be handled by someone fresh out of training or rotating between 100 accounts. At BGES Group, you work with one person — the same person — who brings 44 years of deep insurance knowledge, industry insights, and street smarts to your policy. That’s nearly half a century of experience working specifically with construction professionals like you.

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3. Your Account Executive Will Not Change Every Three Months

In many agencies, you’re lucky if the same person handles your account two quarters in a row. The turnover is constant, and every time someone new is assigned, they don’t know your history, your needs, or even your name. At BGES Group, we build long-term relationships. You deal with one expert who understands your business from top to bottom.

4. Did We Mention… We Answer Our Phones?

It’s worth repeating: you’ll never be ghosted or ignored. Whether it’s a question, a claim, a certificate request, or just a quick policy clarification, we’re here to help when you need us.

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5. We’re Available Monday Through Sunday

Emergencies don’t take weekends off — and neither do we. Whether it’s a Friday night issue with a jobsite or a Sunday certificate request, we’ve got your back. That’s right: we’re here seven days a week.

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6. We’re Always Helpful, Polite, and Know What We’re Talking About

No moody customer service reps. No clueless interns. No runaround. We’re friendly, responsive, and 100% competent. Our team knows insurance, understands the construction business, and gets things done quickly and correctly.

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7. We’re Not a Factory. You’re Not Just Another File Number

Unlike agencies that assign hundreds of clients per rep, BGES Group operates like a tight-knit boutique. You’ll never be just another line in a spreadsheet. The person you work with will know your business inside and out and treat you like a valued client — not a policy quota.

8. We Actually Review Your Policies

You’d be stunned how many agencies simply pass your policy along without ever reading the fine print. We dig deep. We comb through every policy line-by-line to make sure the coverage you’re paying for actually protects you — and that nothing’s been missed. Our job isn’t done until everything is 100% accurate and tailored to your business.

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9. We Come to You

Need to meet face-to-face? We’re happy to come see you — whether it’s to review policies, help with risk management, or just have a sit-down discussion. We believe in relationships, not transactions.

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10. We’re a “Mom and Pop” Boutique Broker — and Proud of It

We don’t want to be the biggest — just the best for our clients. BGES Group operates with the heart and soul of a family business. That means integrity, dedication, personal service, and accountability. Our clients are not numbers — they’re partners, and we treat them as such.

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The Problem with Most Other Agencies

Let’s be real — many insurance agencies today have lost the personal touch. They operate like conveyor belts, churning out policies as fast as possible with minimal interaction. You never know who your contact is, you spend more time chasing answers than getting help, and worse — the people handling your policies don’t really understand your business. Mistakes get made, you’re left in the dark, and ultimately, you pay good money for bad service.

As a construction professional, you deserve more. You’re spending serious money on insurance to protect your business, your team, and your future. Shouldn’t your broker care just as much as you do?

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About BGES Group

BGES Group is a New York-based insurance brokerage that specializes in construction industry coverage. Whether you’re a general contractor, artisan contractor, subcontractor, or specialty trade professional, we offer tailored insurance solutions that provide real protection and peace of mind.

Our coverages include:

• General Liability Insurance
• Workers’ Compensation
• Commercial Auto
• Umbrella & Excess Liability
• Builders Risk
• Tools & Equipment
• Owners & Contractors Protective Liability
• Surety Bonds
• Professional Liability
• Pollution Liability
• And more

We serve contractors of all sizes — from sole proprietors to large construction firms — throughout New York and the surrounding states.

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Let’s Talk

If you’re tired of impersonal service, revolving-door account managers, and confusing, error-filled policies, it’s time to experience the BGES Group difference.

Give us a call today and talk to someone who knows your business, answers the phone, and is ready to help.

BGES Group

• 📍 Serving New York & Tri-State Area
• 📞 Call Us: (914) 806-5853 – Gary Wallach
• 🌐 Visit: www.bgesgroup.com
• 📧 Email: info@bgesgroup.com

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Your business deserves more than just a policy — it deserves a partner. Let BGES Group be yours.

This Fourth of July, it’s not just the fireworks lighting up the sky — it’s the grills, the crowds, and the iron-willed appetites of America’s hungriest contractors.

BGES Group, the Tri-State’s top construction insurance specialists, is proud to sponsor the 2025 National Contractor Hot Dog Eating Contest, where builders, framers, and roofers from California to New Mexico — and everywhere in between — gather in Yonkers, NY to settle a meaty score.

These aren’t your average eating contest amateurs. These are jobsite legends, known for demolishing not only walls but also platefuls of franks at every cookout from Sacramento to Santa Fe.

We’ve gathered ten top eaters from across the country for a no-holds-barred, belly-busting brawl, and we’ve got the inside scoop on their eating records and their odds of taking home this year’s Golden Toolbelt Trophy.

Get to know the competitors below, check out their stats, and drop your pick in the comment box for who you think will be crowned Hot Dog King 2025!

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Meet the Competitors

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1️⃣ Big Louie “Load-Bearer” Mancini — Mancini Masonry, Queens, NY

Past Record: 44 hot dogs in 12 minutes (2024)

Known For: Finishing a 6-foot hero solo while waiting for a concrete delivery.

Odds to Win: 3-1

The hometown hero and reigning champ, Big Louie’s been carb-loading for weeks and promises a new record this year.

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2️⃣ Carlos “Concrete Crusher” Ruiz — Ruiz Construction, Albuquerque, NM

Past Record: 41 hot dogs in 10 minutes (2023)

Known For: Eating 20 dogs during a rain delay at a highway job.

Odds to Win: 4-1

Carlos is making the trip from New Mexico with one thing on his mind: dethroning Big Louie. Rumor has it he’s been training on chili dogs at 7,000 feet elevation.

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3️⃣ Bobby “Nails” Navarro — Navarro Framing Co., Stamford, CT

Past Record: 39 hot dogs in 10 minutes (2023)

Known For: Downing six dogs before a framing job.

Odds to Win: 5-1

A Northeast favorite, Bobby’s quick bite and no-quit attitude make him one to watch.

4️⃣ Sal “Slab Boss” Moreno — Moreno Excavating, Los Angeles, CA

Past Record: 38 hot dogs in 11 minutes (2024)

Known For: Claiming no one out West eats cleaner or faster.

Odds to Win: 6-1

Making the long haul from LA, Sal’s hoping West Coast skills hold up in East Coast heat.

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5️⃣ Eddie “Two-Trowel” Figueroa — Figueroa Stucco & Plaster, Bronx, NY

Past Record: 37 hot dogs in 10 minutes (2024)

Known For: Being the MVP of every jobsite barbecue.

Odds to Win: 7-1

The Bronx contender with a loyal following and stomach of steel.

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6️⃣ Chuck “Concrete Cowboy” Hughes — Hughes Concrete, San Diego, CA

Past Record: 36 hot dogs in 9 minutes (2022)

Known For: Eating contests at tailgates and framing sites.

Odds to Win: 8-1

Smooth operator from SoCal who claims “the bun’s just filler.”

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7️⃣ Mikey “The Mutt” Russo — Russo Roofing & Sheet Metal, Yonkers, NY

Past Record: 35 hot dogs in 8 minutes (2022)

Known For: Betting paychecks on eating challenges.

Odds to Win: 9-1

A wildcard in every sense. If Mikey’s in the mood, nobody’s safe.

8️⃣ Richie “Sawzall” Donato — Donato Demolition, Newark, NJ

Past Record: 34 hot dogs in 11 minutes (2023)

Known For: Pre-contest milkshake chugging.

Odds to Win: 10-1

Demolition expert with an appetite for destruction (and franks).

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9️⃣ Vinny “Deck Boss” DelVecchio — DelVecchio Decking, Long Island, NY

Past Record: 33 hot dogs in 10 minutes (2024)

Known For: Toting his own mustard and secret seasoning.

Odds to Win: 12-1

Long shot with a cult following. Known for strong, last-minute pushes.

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🔟 Frankie “The Forklift” Costa — Costa Excavating, Santa Fe, NM

Past Record: 30 hot dogs in 9 minutes (2023)

Known For: Two-lunch Fridays and double-bun dogs.

Odds to Win: 15-1

Big frame, big heart — could surprise if he finds his groove.

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Who’s Your Pick?

Now it’s your turn to weigh in.

Drop your pick in the comment box below and let us know who you think will devour their way to the Golden Toolbelt this year.

Will Big Louie defend his title? Will Carlos “Concrete Crusher” crush the East Coast favorites? Or could a dark horse like Mikey “The Mutt” steal the show?

Cast your vote and guess how many hot dogs the winner will down!

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About BGES Group — Insurance Built for Builders

While these contractors are stuffing their faces, there’s one thing they don’t have to worry about — their insurance. That’s because BGES Group has it covered.

We’re not just brokers, we’re construction insurance specialists dedicated to protecting contractors in New York, New Jersey, and Connecticut. From workers’ comp to general liability, from New York Labor Law 240/241 coverage to excess liability, builders risk, and equipment insurance — we craft policies built for your trade, your crews, and your jobsite realities.

Our job is to handle risk so you can focus on the real work — pouring concrete, raising frames, and sometimes, setting hot dog-eating records.

Whether you’re a drywall guy in the Bronx or an excavator in Bridgeport, BGES Group has your back.

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Contact BGES Group Today

📞 Gary Wallach – BGES Group

📱 914-806-5853 – Gary Wallach

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Get coverage that works as hard as you do.

Happy Fourth of July — and may the hungriest contractor win! Now hit those comments and tell us who you’re putting your money on!

Let’s be honest — the life of a contractor isn’t exactly a relaxing spa day. It’s early mornings, late nights, job site surprises, and endless phone calls about whether the tile delivery has arrived (it hasn’t). But amidst all the chaos, what keeps contractors going? Is it the loyal spouse who reminds them to eat something other than gas station hot dogs? The trusty dog waiting by the door after a long day? Or the prospect of a giant, sauce-drenched Italian sub at lunchtime?

We decided to get to the bottom of this very scientific question: what do contractors prefer — their spouses, their pets, their food… or maybe, just maybe, all three?

Let’s break it down.

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The Spouse: The Real Project Manager

Contractors might be the boss on the job site, but at home, it’s a different story. Behind every successful contractor is a spouse who’s part therapist, part scheduler, and part “you left your lunch on the counter again” reminder service.

Spouses of contractors know the drill:

• Listen to the 47-minute rant about the inspector who failed the footing.

• Accept that vacations will be rescheduled due to a “can’t miss” concrete pour.

• Pretend not to notice when their partner tracks drywall dust through the living room.

And yet — they’re always there, making sure the contractor remembers anniversaries, has a clean shirt for client meetings, and eats something green every once in a while.

In an informal survey we didn’t actually conduct, 8 out of 10 contractors admitted their spouse is the reason they haven’t been buried under a pile of unpaid invoices and fast food wrappers. The other two were too busy chasing a delivery truck down the street to respond.

Contractors’ Take:

“I couldn’t do what I do without my wife. She’s my bookkeeper, cook, and occasional hostage negotiator when the siding crew wants to walk off the job.”

The Pet: The True Emotional Support

Let’s face it — there’s nothing like coming home to a wagging tail or a purring cat after a day spent arguing with a client about paint colors. Contractors may act tough, but their pets see through the calloused hands and sunburned necks.

Whether it’s a dog, a cat, a parrot that swears like a sailor, or even a lizard named Larry, pets provide the kind of unconditional love contractors need after a rough day. They don’t care about change orders or OSHA fines. They care about belly rubs and snacks.

In fact, many contractors say their pets are their favorite job site companions. Dogs love to ride in the truck, inspect materials, and supervise lunch breaks. Some job sites even have “official mascots” — a job-site mutt who probably knows more about drywall than the new guy.

Contractors’ Take:

“I trust my dog to sniff out a crooked subcontractor before he even opens his mouth.”

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The Food: The Real MVP

If you’ve ever tried to schedule a contractor for a 7 AM meeting, you know one thing: don’t even speak to them until they’ve had their bacon, egg, and cheese.

Contractors’ relationship with food is primal. It needs to be:

• Fast

• Portable

• Capable of being eaten one-handed while steering with the other

Job site lunches are sacred. Forget boring sandwiches — we’re talking about sausage and peppers from the corner deli, greasy pizza slices the size of hubcaps, and coffee so strong it could strip paint.

But ask any contractor what they look forward to most during a long day and it probably isn’t the spreadsheet back at the office. It’s the lunch truck showing up with a meatball sub that requires three napkins and a minor act of God to finish.

Contractors’ Take:

“I married my wife for her lasagna, and I stay married for it. God bless her.”

The Verdict: It’s a Three-Way Tie

At the end of the day, contractors don’t choose between their spouse, their pet, or their food. They need all three to stay sane.

• The spouse keeps the business running smoothly.

• The pet keeps them grounded.

• The food keeps them from passing out on a scaffold.

It’s a perfect ecosystem, much like a well-planned job site. Remove one element, and the whole operation falls apart.

Fun Fact: In a recent fake poll we made up for this article, 100% of contractors said they wouldn’t trade their dog for their lead carpenter, and 90% admitted to hiding snacks in their truck for emergency situations.

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Enter BGES Group: The Fourth Essential Contractor Companion

While we can’t cook your lunch or walk your dog, BGES Group can make your life a whole lot easier when it comes to business insurance. And if there’s one thing every contractor loves more than a pepperoni pizza, it’s not having to stress about insurance coverage.

BGES Group is the Tri-State area’s construction insurance specialist, serving contractors in New York, New Jersey, and Connecticut.

We get it — your time is valuable, your risks are real, and your tolerance for nonsense is zero. That’s why we deliver:

• Workers’ Compensation policies that won’t leave you eating ramen noodles.

• General Liability and Excess Liability designed for tough trades like roofing, scaffolding, demolition, and street/roadwork.

• Payroll and workers’ comp programs that can slash your costs by up to 30%.

• Builders Risk policies that actually make sense.

• Coverage for equipment, tools, vehicles, and more.

We specialize in making sure you’re properly covered so you can focus on what matters — your family, your dog, and that burrito you’ve been thinking about since 10 AM.

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Get in Touch with BGES Group

Contact: Gary Wallach

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

BGES Group — Construction Insurance is our trade, so you can focus on yours.

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Closing Thought:

Whether you’re chasing your lunch truck, your dog, or your next big job, just remember — behind every great contractor is a spouse, a pet, a sandwich, and an insurance broker who’s got your back.

And we’re proud to be one of them.

In the high-risk world of construction, having a properly structured Builder’s Risk insurance policy isn’t optional — it’s essential. For New York contractors, navigating the nuances of these policies can be especially challenging given the state’s strict insurance requirements and unique risk exposures. An improperly written or incomplete policy can leave contractors exposed to devastating financial losses.

This article will break down the 10 most important coverages, exclusions, conditions, and restrictions that every New York contractor should be aware of in their Builder’s Risk policy. We’ll also explain the two common ways to structure payment for these policies. And if you’re looking for expert guidance, we’ll introduce you to a trusted resource for construction insurance in the Tri-State area.

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🔨 Top 10 Crucial Builder’s Risk Coverages, Exclusions & Conditions for NY Contractors

1️⃣ Coverage for Property Under Construction

At its core, a Builder’s Risk policy must cover the building or structure under construction, including materials, supplies, and equipment on-site. Ensure the policy includes coverage for property while in transit and temporary storage off-site. Many claims are denied when materials en route to a job site aren’t properly covered — don’t overlook this.

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2️⃣ Soft Costs Coverage

Soft costs refer to expenses like architect fees, permit fees, real estate taxes, loan interest, and advertising costs that continue to accrue or increase due to a project delay caused by a covered claim. Many contractors mistakenly assume these are automatically covered — they’re not unless specifically endorsed onto the policy.

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3️⃣ Debris Removal & Pollution Clean-Up

Construction losses rarely involve only the repair of damaged property. Demolition and debris removal can be incredibly costly. Your policy should have an adequate debris removal sub-limit and include pollution clean-up expenses in the event of a covered peril causing contaminant discharge. Always check sub-limits here — some carriers restrict this to low amounts unless increased by endorsement.

4️⃣ Ordinance or Law Coverage

New York’s strict building codes can turn a simple loss into a regulatory nightmare. Ordinance or Law coverage ensures you have funds to cover demolition of undamaged portions of the building, increased costs due to code upgrades, and debris removal. Without this, a covered claim could leave you owing thousands for work required by updated codes.

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5️⃣ Theft of Materials

One of the most common construction losses is the theft of building materials from a job site. Surprisingly, many Builder’s Risk policies either exclude theft entirely or limit it to forced entry situations. Make sure your policy specifically includes theft of materials from both the site and while in transit or stored off-site.

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6️⃣ Exclusion for Employee Theft

While most policies cover theft by third parties, theft by employees is often excluded. If your crew or subcontractors have access to valuable materials or equipment, consider adding an endorsement to cover employee theft or purchasing a separate Crime policy.

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7️⃣ Delay in Completion Coverage

Delays due to covered property damage can cause serious financial problems if contractual penalties, lost rents, or lost business income are involved. Delay in Completion coverage (often an endorsement) reimburses for lost income, rents, and extra expenses incurred due to construction delays stemming from a covered claim.

8️⃣ Subcontractor Insurance Requirements

Many Builder’s Risk policies include conditions requiring that all subcontractors maintain certain insurance limits (e.g., General Liability, Workers’ Compensation). Failure to enforce these can jeopardize your own coverage. Know your policy’s subcontractor insurance provisions and enforce them.

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9️⃣ Permission to Occupy / Partial Occupancy

Construction projects are sometimes partially occupied before final completion. Most Builder’s Risk policies either terminate coverage or severely limit it once occupancy begins unless you notify the carrier and receive permission in writing. Confirm your policy includes a “Permission to Occupy” endorsement if this might occur.

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🔟 Exclusion for Defective Workmanship

Virtually all Builder’s Risk policies exclude losses due to faulty workmanship, materials, or design. However, consequential damage resulting from these defects (like water damage from improperly installed roofing) may still be covered. Understand the extent of your workmanship exclusion and consider supplementing coverage with Contractor’s E&O or Faulty Workmanship endorsements where available.

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💵 Two Ways to Structure Payment for Builder’s Risk Policies

Most Builder’s Risk policies in New York are structured as either:

1️⃣ One-Time, Upfront Payment

This is the most common method for ground-up construction projects. The contractor or project owner pays the entire premium for the term of the policy (typically 6, 9, or 12 months) before coverage begins. The advantage is simplicity and usually a slight cost saving compared to installment options.

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2️⃣ Monthly Reporting Form

Ideal for contractors who build multiple projects throughout the year. You pay a deposit premium and then report monthly the total completed value of your projects, with the premium adjusted based on those reports. This keeps cash flow manageable and ensures you only pay for coverage when projects are active.

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👷 Why Work with BGES Group: Construction Insurance Specialists

Navigating the complexities of Builder’s Risk insurance — especially in New York — requires expertise. That’s where BGES Group comes in. We specialize in insurance for contractors, developers, and construction professionals in the Tri-State area, including New York City, Long Island, Westchester, New Jersey, and Connecticut.

BGES Group has deep knowledge of:

• Builder’s Risk

• Commercial General Liability

• Excess Liability

• Workers’ Compensation

• Contractor Equipment Insurance

• And more.

We work with the top insurance carriers for construction coverage and can tailor policies to fit your project’s unique risks. Whether you’re building a single-family home, a commercial high-rise, or a multi-unit development, BGES Group ensures your policies are complete, compliant, and competitively priced.

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📞 Contact BGES Group Today

BGES Group

Construction Insurance Specialists

📱 Gary Wallach

📞 914-806-5853

✉️ bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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✅ In Summary

A properly structured Builder’s Risk policy is one of the smartest investments a contractor can make. From soft costs to theft, ordinance coverage to subcontractor requirements, understanding your policy’s inclusions, exclusions, and restrictions can mean the difference between surviving a loss and going out of business.

Don’t leave your livelihood to chance. Contact BGES Group today and let us help you build a policy as solid as the structures you create.

In today’s competitive construction industry, it’s not enough for contractors to just keep busy — profitability is the name of the game. Smart contractors don’t just work hard, they work smart. Managing jobs efficiently, cutting unnecessary expenses, and protecting your business from costly risks can mean the difference between barely breaking even and building lasting wealth.

If you’re a contractor looking to increase your margins and improve cash flow, here’s your go-to list of the 10 best ways to be as profitable as possible — plus a bonus tip that could put thousands of dollars back in your pocket.

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🔧 1️⃣ Bid Strategically — Not Cheaply

One of the fastest ways to shrink profits is by underbidding jobs just to win them. Profitable contractors:

• Know their numbers down to the penny.

• Include realistic labor, materials, overhead, and profit margins.

• Walk away from projects that don’t meet profitability standards.

Smart Move: Use estimating software and historical job cost reports to refine bids and protect margins.

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🔧 2️⃣ Invest in Project Management Technology

Poor scheduling, miscommunication, and change order mistakes cost contractors thousands. Investing in project management apps like Procore, Buildertrend, or CoConstruct streamlines communication, tracks costs in real time, and prevents expensive mistakes.

Bonus: You’ll spend less time putting out fires and more time finding your next profitable job.

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🔧 3️⃣ Build Strong Supplier Relationships

Material costs can make or break a job. Contractors who cultivate relationships with suppliers often get:

• Better pricing

• Priority delivery

• Access to hard-to-get materials in emergencies

Consider locking in prices on bulk materials to shield yourself from market fluctuations.

🔧 4️⃣ Manage Labor More Efficiently

Labor is one of your biggest expenses — and the easiest to mismanage.

Profitable contractors:

• Hire reliable, skilled workers.

• Cross-train employees to perform multiple tasks.

• Use scheduling software to reduce downtime.

• Offer incentives for productivity and safety.

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🔧 5️⃣ Stay on Top of Change Orders

Change orders can be goldmines — or profit killers.

Protect yourself by:

• Requiring all changes to be in writing.

• Pricing them fairly and promptly.

• Sticking to clear contract language about handling changes.

If you’re doing extra work without extra pay, you’re donating profits.

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🔧 6️⃣ Monitor Job Costs Daily

Waiting until the end of a job to check costs is too late.

Track labor, material, and overhead expenses in real time so you can make immediate corrections. Job costing apps like Knowify or QuickBooks Contractor Edition can help identify problem areas before they destroy your margins.

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🔧 7️⃣ Reduce Overhead Expenses

Lean companies are profitable companies.

Look for savings in:

• Office rent

• Insurance costs (more on that later)

• Equipment rentals

• Marketing and advertising

Every dollar cut from overhead is a dollar added to your bottom line.

🔧 8️⃣ Focus on Niche Markets

Specializing in a niche allows contractors to charge premium rates and avoid competing solely on price. Whether it’s luxury kitchen remodels, medical facility build-outs, or custom concrete work, becoming the go-to expert means better clients and higher margins.

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🔧 9️⃣ Prioritize Safety

Job site accidents are not only dangerous — they’re expensive.

Smart contractors implement strict safety programs, regular toolbox talks, and pre-job safety meetings. A solid safety record keeps your workers’ compensation premiums low and prevents costly downtime from injuries or OSHA violations.

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🔧 🔟 Protect Your Business with the Right Insurance

Nothing kills profitability faster than an uninsured claim or lawsuit.

Profitable contractors partner with insurance experts to secure:

• Workers’ Compensation

• General Liability

• Umbrella/Excess Liability

• Commercial Auto

• Builders Risk

• Equipment Coverage

Not only does this protect against job-stopping claims, but it also improves client confidence and contract eligibility.

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🎁 🔧 Bonus Tip: Save Up to 30% with BGES Group’s Payroll, Workers’ Comp, and Group Health Program

Here’s where you can really turbocharge your profitability: BGES Group offers a payroll, workers’ compensation, and group health program that can save contractors up to 30% annually.

How it works:

• Payroll services tailored for contractors, ensuring proper tax filings, certified payroll reports, and workers’ comp audits go smoothly.

• Workers’ Compensation Pay-As-You-Go programs so you only pay for actual payroll, not estimated premiums. This improves cash flow and eliminates year-end surprises.

• Group Health Insurance programs negotiated for construction companies, providing excellent coverage options at significantly reduced rates.

Contractors leveraging this program often see five-figure annual savings — money they can reinvest into equipment, marketing, or profit distributions.

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🏢 Meet BGES Group — The Construction Insurance Specialists

For over 44 years, BGES Group has been the Tri-State area’s trusted advisor for contractor insurance programs. With a sharp focus on New York, New Jersey, and Connecticut construction businesses, they understand the unique challenges and risks of your trade.

✅ Why Contractors Choose BGES Group:

• 50+ Carrier Options: They shop your coverage with multiple carriers to get you the best rates.

• Construction Industry Focus: From general contractors to specialty trades, BGES knows the exposures and coverage contractors need.

• Claims Advocacy: If a claim occurs, BGES fights for fair settlements and helps control insurance costs.

• Specialized Programs: Including workers’ comp for tough industries, umbrella policies, and the 30% savings payroll/health plan.

They don’t just sell policies — they become part of your business strategy.

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📍 Serving the Entire Tri-State Construction Market

BGES Group proudly works with:

• General Contractors

• Roofing & Siding Contractors

• Demolition Companies

• Concrete & Masonry Firms

• Mechanical, Electrical, and Plumbing Contractors

…and all construction trades throughout New York, New Jersey, and Connecticut.

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📞 Contact BGES Group Today

Office: Larchmont, NY 10538

Phone: (914) 806-5853 (ask for Gary Wallach)

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

If you’re a contractor looking to improve profitability, cut insurance expenses, and protect your business, BGES Group is the partner you’ve been waiting for.

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📣 Final Thought

Profit isn’t about working harder — it’s about working smarter. By applying these 10 strategies and tapping into BGES Group’s exclusive payroll, workers’ comp, and group health program, contractors can dramatically improve their bottom line.

Your profits are built by the decisions you make today. Make this one count.

If you’re a general contractor operating in New York, you already know it’s one of the toughest, most litigious construction markets in the country. Between stringent labor laws, complex insurance requirements, and aggressive personal injury attorneys, one slip-up can turn a profitable project into a financial disaster.

In recent years, New York contractor insurance companies have significantly tightened their underwriting standards. One major development affecting general contractors is the widespread inclusion of what’s called a “Hard Hammer Clause” in liability policies. If you sub out work to independent contractors, understanding this clause and its implications is absolutely critical to protecting your business.

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What is a Hard Hammer Clause?

A Hard Hammer Clause is a provision within a general liability insurance policy that requires the contractors you hire — your independent subcontractors — to carry specific insurance coverages, meet certain minimum limits, and name you, the general contractor, as an Additional Insured on their policies.

If your subcontractors fail to comply with these conditions and a claim arises, your insurance company can deny coverage for that claim. That leaves you holding the bag for legal defense costs, settlements, or judgments — potentially costing hundreds of thousands, even millions, out of pocket.

Worse, in labor law-related claims (New York Labor Law 240, 241, and 200), where general contractors and property owners can be held strictly liable for gravity-related injuries or unsafe worksite conditions, not having the right risk transfer agreements in place can be a death sentence for your business.

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What Do Insurance Companies Require From Your Independent Contractors?

Under most current New York contractor insurance policies, here’s what you’ll typically need your subcontractors to provide:

• A Signed Insurance and Hold Harmless Agreement: This protects you by requiring the subcontractor to indemnify, defend, and hold you harmless against any claims arising out of their work.

• Commercial General Liability Insurance: Minimum limits are often $1,000,000 per occurrence / $2,000,000 aggregate, though some trades, like demolition, roofing, or high-rise construction, may require $2,000,000/$4,000,000 or higher.

• Additional Insured Status: Your subcontractor’s liability policy must list you, the general contractor, as an Additional Insured on both an Ongoing Operations (CG 20 10) and Completed Operations (CG 20 37) basis.

• Primary & Non-Contributory Wording: This ensures your subcontractor’s insurance responds first in the event of a claim, without seeking contribution from your policy.

• Waiver of Subrogation: Prevents your subcontractor’s insurance company from suing you to recover claim costs, even if you’re partially at fault.

• Labor Law Coverage: This is non-negotiable in New York. Without it, any injury claim involving a fall from a height, falling object, or unsafe working condition could bankrupt you if your subcontractor’s policy excludes coverage.

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Why Compliance Matters

It might seem like overkill, but these risk transfer requirements exist because of how Labor Law 240/241 works in New York. Under these laws, injured workers (including your subcontractors’ employees) can sue the property owner and general contractor directly — regardless of who was at fault.

If you don’t have enforceable hold harmless agreements, proper insurance certificates, or subcontractor policies that comply with your insurance company’s requirements, you could face uncovered claims. Even a single uncovered labor law claim can lead to six or seven-figure settlements, potentially wiping out your company and personal assets.

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What Can Go Wrong Without It?

Here’s a common scenario:

• You hire a subcontractor for framing work.

• They give you a certificate of insurance showing $1M/$2M limits.

• It’s missing Additional Insured, Primary/Non-Contributory, and Labor Law coverage.

• The subcontractor’s employee falls from scaffolding and sues.

• Your insurance company discovers the subcontractor’s policy doesn’t meet the required standards and invokes the Hard Hammer Clause.

• Claim denied. You’re now responsible for legal fees and any settlement or judgment.

If this happens, you could be on the hook for hundreds of thousands to millions of dollars. It’s not hypothetical — it happens every week in New York.

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How BGES Group Can Help

At BGES Group, we specialize in protecting New York contractors from the pitfalls of labor law claims and insurance denials. For over 30 years, we’ve helped contractors navigate the minefield of coverage requirements, subcontractor compliance, and labor law exposure.

Here’s what we do for our clients:

✅ Review and draft custom insurance and hold harmless agreements tailored to your business.

✅ Verify subcontractor insurance certificates for compliance with your policy’s Hard Hammer Clause.

✅ Help you require the right coverage from your subs — including labor law coverage, primary & non-contributory wording, and waiver of subrogation.

✅ Access to a network of insurance carriers that understand New York construction risks.

✅ Secure affordable workers’ compensation and liability coverage with appropriate labor law protection.

✅ Provide ongoing risk management support to help you stay in compliance and avoid uncovered claims.

Bottom line: We keep you covered, so you can keep working.

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Contact BGES Group Today

If you’re a general contractor in New York and you’re not 100% sure your subcontractors’ insurance meets the standards your liability policy requires — don’t wait for a claim to find out. Let BGES Group review your policies and subcontractor agreements before it’s too late.

📞 Contact: Gary Wallach

📱 Phone: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

We service New York, New Jersey, Connecticut, and can connect you with trusted associates nationwide.

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Final Word

In today’s New York construction market, the Hard Hammer Clause is here to stay. Don’t take chances with your livelihood. Make sure your subcontractors carry the proper insurance and that your agreements are airtight. Better yet — partner with an insurance agency that lives and breathes this stuff, like BGES Group.

We’ll handle the paperwork, compliance, and risk management so you can focus on what you do best — building.

If you’re a New York contractor, you know insurance is one of the biggest recurring expenses for your business — especially commercial general liability (CGL) and workers compensation insurance. Yet, one of the most common mistakes contractors make is not properly tracking their payroll by trade classification throughout the policy year. The result? You get blindsided at audit time and end up overpaying for insurance coverage you didn’t need.

This article will explain how to track payroll by trade so you stay on top of your numbers, what conversations you need to have with your accountant, and how your excess liability policy handles receipts — whether on an accrual basis or actual collections during the policy period. Plus, we’ll share how BGES Group can help New York contractors manage their insurance smarter, save money, and stay protected.

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📌 Why Payroll by Trade Matters for Workers Compensation & Liability Audits

Workers compensation insurance rates are based on payroll — but not all payroll is created equal. Each type of work your employees perform is assigned a different classification code by the New York Compensation Insurance Rating Board (NYCIRB). For example:

• 5606 – Executive Supervisors

• 5403 – Carpentry – Interior

• 5022 – Masonry

• 5474 – Painting

• 5183 – Plumbing

Each of these codes has a different rate per $100 of payroll. If you lump all your payroll together under a higher-rated classification, you’ll end up paying significantly more than necessary.

Commercial general liability (CGL) insurance also factors in payroll for certain contractor classes. At audit, if you don’t have your payroll properly separated by trade, the auditor will assign it to the highest applicable classification — and your premium could skyrocket.

Contractor insurance specialists will tell you this happens more often than it should, simply because payroll tracking isn’t managed proactively.

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📌 How to Track Payroll by Trade (And Avoid Overpaying)

To avoid audit surprises, set up your payroll system to track hours and wages by classification code from day one. Here’s how:

1. Create a spreadsheet or use payroll software that allows you to assign classification codes to each employee or subcontractor.

2. Track hours worked per job and per type of work. If one of your guys does both painting and drywall, log his hours separately for each.

3. Separate 1099 subcontractors’ payments by trade. Even though you don’t pay workers comp on subs (if they provide proof of coverage), it’s still a good idea to track what you’re paying per trade for your general liability audit.

4. Run weekly or monthly reports to monitor payroll by classification. Compare against your policy’s estimated payroll to see if you’re trending over or under.

Doing this takes a little discipline but saves thousands of dollars come audit time.

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📌 The Conversation You Should Have With Your Accountant

Many contractors rely on their accountant to handle everything related to numbers, but unless you’ve specifically asked them to track payroll by trade, chances are — they aren’t doing it.

Set up a meeting and ask:

• Are we currently tracking payroll by workers comp classification code?

• Can our bookkeeping or payroll software break down labor costs by trade?

• Can we assign different classification codes to different employees, or split hours for employees who work multiple trades?

• Can you help me reconcile payroll and receipts monthly against insurance estimates?

If your accountant says no to any of these, it’s time to switch to one who understands construction accounting or consider using a dedicated payroll service for contractors that’s familiar with New York workers compensation insurance requirements.

📌 Receipts and Your Excess Liability Policy: Accrual or Actual?

If your excess liability policy (umbrella insurance) is based on receipts rather than payroll, how those receipts are measured can impact your audit.

Are you charged on an accrual basis (invoiced but unpaid work) or on actual cash received during the policy period?

In New York, most carriers will audit your policy based on actual receipts collected during the policy period. That means even if you invoiced $500,000 in December but didn’t collect until January, it won’t count towards this year’s audit.

However, this can vary by insurer. A smart contractor insurance broker, like BGES Group, will review your policy terms and verify this in advance so there are no surprises.

To stay ahead:

• Track receipts monthly in your accounting software.

• Maintain records of the date payments are received, not just invoiced.

• Reconcile totals quarterly against your policy’s estimated receipts.

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📌 Why Working With a Contractor Insurance Specialist Matters

Many New York construction companies make the mistake of buying insurance from a generalist agent. But insurance for contractors is complex — from Labor Law 240 coverage exclusions to payroll and classification tracking and liability audits.

At BGES Group, we specialize in New York contractor insurance, offering tailored workers compensation, general liability, and excess liability coverage to businesses across the Tri-State Area.

We work with contractors in:

• General construction

• Interior renovations

• Masonry

• Plumbing

• HVAC

• Roofing

• And dozens more construction trades.

Not only do we secure competitive rates from top-rated carriers, but we also help you:

• Properly classify payroll to lower premiums

• Review audit procedures before you get hit with an unexpected bill

• Set up payroll tracking systems tailored to your business

• Answer your questions about how coverage applies to subs and labor-only contractors

When contractors search for “best contractor liability insurance NYC”, “affordable workers comp for New York contractors”, or “contractor insurance audit help”, BGES Group is the name to know.

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📌 Conclusion: Be Proactive, Save Big

If you’re a contractor in New York, tracking your payroll by trade and monitoring receipts monthly isn’t just good business — it’s the key to avoiding costly surprises at audit time. Have a candid conversation with your accountant, review how your excess policy treats receipts, and partner with a specialist who knows the ins and outs of New York construction insurance.

BGES Group has been helping contractors for years, and we can help you too.

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📞 Contact BGES Group Today!

• Gary Wallach – Construction Insurance Specialist

• 📱 914-806-5853

• 📧 bgesgroup@gmail.com

• 🌐 http://www.bgesgroup.com

Covering New York, New Jersey, and Connecticut, we’re your go-to partner for contractor insurance done right.

The world of contracting isn’t for the faint of heart. It’s a business built on hard work, long hours, sharp problem-solving, and even sharper pencils when it comes to estimates. Whether you run a one-man handyman shop or a full-service construction firm, there’s a certain code you’ve got to live by if you want to survive — and better yet, thrive.

Call them commandments, call them rules, call them whatever you like — but ignore them at your own peril. Because in construction, it’s not just about what you build, it’s about how you run your business, treat your people, manage risk, and plan for the unexpected.

At BGES Group, we work with contractors every single day across New York, New Jersey, and Connecticut. And after decades of helping them manage their insurance and business risks, we’ve seen what separates the successful from the struggling.

So here it is — your unofficial, but absolutely essential, 10 Commandments of Being a Contractor.

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📜 The 10 Commandments of Being a Contractor

1. Thou Shalt Always Know Thy Numbers

If you don’t know your costs, your margins, your overhead, and your cash flow — you’re not running a business, you’re just hoping for the best. Track every dollar in and out. Know how much your labor and materials truly cost. Stay on top of change orders. Guessing is not a strategy.

2. Thou Shalt Put Safety Before Speed

Nothing will shut a job down faster than an accident. Injuries cost money, damage reputations, and lead to insurance nightmares. Make safety meetings, site checks, and PPE a regular part of your operation. A safe job is a profitable job.

3. Thou Shalt Vet Thy Subcontractors

Your subs are an extension of your business. If they cut corners, blow deadlines, or ignore safety protocols — it’s your name (and liability) on the line. Always check credentials, insurance, references, and past job performance.

4. Thou Shalt Communicate Early and Often

Most project problems can be traced back to poor communication. Talk to your clients. Talk to your team. Talk to your suppliers. Be clear about timelines, budgets, changes, and expectations. Surprises belong at birthday parties, not job sites.

5. Thou Shalt Embrace Technology

From estimating software to digital plans and job costing apps, technology isn’t a luxury anymore — it’s a necessity. The contractors who embrace tools that save time, reduce errors, and improve project management are the ones who stay ahead.

6. Thou Shalt Stay Licensed, Bonded, and Insured

It’s tempting to cut corners on paperwork, especially when margins are tight. Don’t. Being properly licensed, bonded, and insured protects you from legal disasters, client disputes, and financial ruin. It’s not just compliance — it’s survival.

7. Thou Shalt Be Honest in Estimates

You might win a job by lowballing it, but you’ll lose your reputation when the extras start piling up. Be fair, be realistic, and explain your numbers. Good clients respect honesty over too-good-to-be-true pricing.

8. Thou Shalt Respect the Punch List

The final walk-through matters. Leaving a job 99% complete means you’re 100% on the hook for callbacks and complaints. Knock out every last item, clean the site, and finish strong. The final impression is the lasting one.

9. Thou Shalt Build Relationships, Not Just Jobs

Every client, vendor, and supplier is a potential source of future work. Treat people right. Show up on time. Pay your bills. Deliver what you promise. Your reputation is your strongest marketing tool.

10. Thou Shalt Protect Thy Business With the Right Insurance

One uninsured claim can put you out of business. From workers’ comp to general liability, tools and equipment coverage to inland marine policies, having the right protection isn’t optional — it’s essential.

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📋 The Commandments List (For Your Office Wall)

1. Know Your Numbers

2. Prioritize Safety

3. Vet Subcontractors Carefully

4. Communicate Constantly

5. Use Smart Technology

6. Stay Licensed, Bonded, and Insured

7. Be Honest in Your Estimates

8. Respect the Punch List

9. Build Relationships

10. Protect Your Business with the Right Insurance

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🛡️ How BGES Group Helps Contractors Stay Covered and Competitive

At BGES Group, we live and breathe contractors’ insurance. Based in the Tri-State area, we work closely with construction professionals of every size — from one-man operations to large contracting firms. We understand the risks you face and the realities of job site work.

We offer a full suite of business insurance solutions tailored specifically for contractors:

• Workers’ Compensation

• General Liability

• Contractor’s Equipment Insurance

• Commercial Auto Insurance

• Inland Marine Coverage

• Umbrella Policies

• NY Labor Law Coverage

• OCIP / CCIP Consulting

• Certificate Management Services

Our expertise lies in solving problems other brokers avoid, negotiating better coverage terms, and helping you reduce costs without sacrificing protection. We don’t just sell policies — we partner with you to build an insurance program that works as hard as you do.

Whether you’re pouring concrete in Manhattan, framing houses in Connecticut, or doing interior renovations in New Jersey, BGES Group is the partner contractors trust to keep their businesses protected and their jobs moving.

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📞 Contact BGES Group Today

If you’re a contractor in the Tri-State area, don’t leave your business exposed. Let’s review your current insurance program and see where we can improve protection, reduce costs, and streamline your coverage.

📱 Call: Gary Wallach at 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: http://www.bgesgroup.com

At BGES Group, we help you build with confidence — because when you work hard, you deserve to be covered smart.

What Does It Cover?

New York State Disability Insurance (DBL) provides partial wage replacement to employees who are unable to work due to an off-the-job injury or illness. It also covers disabilities arising from pregnancy and childbirth. This is a short-term disability benefit designed to help bridge the income gap when an employee cannot perform their regular work duties due to health issues unrelated to their employment.

Weekly Statutory Benefits and Duration

Under the current law, eligible employees can receive 50% of their average weekly wage, up to a maximum benefit of $170 per week. Benefits begin on the eighth consecutive day of disability and can last for up to 26 weeks in a 52-week period.

This benefit amount has not increased in decades and is often insufficient to cover living expenses, which is why many employers explore ways to enhance the coverage (more on that below).

Are Disability Benefits Taxable?

• If the employer pays the premium, benefits may be taxable income to the employee.
• If the employee pays the entire premium, the benefit is not taxable.
• If the cost is shared, the portion paid by the employer is taxable, while the employee-paid portion is not.

Who Pays the Premium?

New York allows the employer to deduct up to 60 cents per week from each employee’s paycheck to help cover the cost of disability insurance. However, many employers opt to pay the full premium as part of their benefits package.

Ultimately, the employer is responsible for ensuring the coverage is in place, even if they pass along a portion of the cost to employees.

Can You Increase the Weekly Benefit Amount?

Yes, employers can enhance the statutory benefits by purchasing enriched disability coverage, sometimes called “enhanced DBL.” This increases the weekly maximum an employee can receive, providing more meaningful income support.

How Much Can You Increase the Limit To?

The benefit limit can be increased up to $850 or more per week, depending on the carrier and policy selected. Enhanced plans can also offer shorter waiting periods and additional perks such as 24/7 access to nurse lines or employee assistance programs (EAPs).

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New York Paid Family Leave Act: Supporting Families in Need

What Does It Cover?

New York Paid Family Leave (PFL) provides job-protected, paid time off for employees who need to:

• Bond with a new child (birth, adoption, or foster placement),
• Care for a family member with a serious health condition,
• Assist loved ones when a family member is deployed abroad on active military service.

PFL is available to full-time and part-time employees who meet minimum work requirements and is designed to promote work-life balance during major life events.

Weekly Benefit Amount

As of 2025, eligible employees can receive 67% of their average weekly wage, up to 67% of the New York State Average Weekly Wage (NYSAWW).

For example, if the NYSAWW is $1,718.15, the maximum weekly benefit would be approximately $1,151.16.

Employees can take up to 12 weeks of Paid Family Leave in a 52-week period.

Who Pays the Premium?

PFL is funded entirely by employees through payroll deductions. Employers are required to facilitate the deduction and remit payments to their insurance carrier. The state sets the maximum contribution annually based on the NYSAWW.

Are PFL Benefits Taxable?

Yes. Paid Family Leave benefits are considered taxable non-wage income. They must be included in federal gross income. However, taxes are not automatically withheld, so employees may need to request voluntary withholding or prepare to pay taxes later.

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Meet BGES Group: Your Partner in Navigating NY Disability and PFL Coverage

Navigating the complexities of disability insurance and family leave benefits can be overwhelming—especially for small and mid-sized businesses. That’s where BGES Group comes in.

Who They Are

BGES Group is a specialized insurance brokerage that focuses on helping New York State business owners obtain and manage their Disability Benefits Law (DBL) and Paid Family Leave (PFL) coverage. With decades of experience and a client-first approach, BGES Group ensures that businesses are not only compliant but also equipped with benefit plans that truly support their employees.

How BGES Group Can Help

• Customized Benefit Plans: BGES Group can tailor disability insurance plans to include enhanced DBL coverage that significantly increases the weekly benefit amount.
• Competitive Pricing: They work with multiple top-rated insurance carriers to offer the most competitive rates.
• Expert Guidance: From setting up coverage to ongoing administration and compliance support, BGES Group simplifies the entire process.
• Fast, Friendly Service: You won’t get lost in a phone queue. BGES Group is known for their responsive customer service and hands-on approach.
• Additional Business Coverage: In addition to DBL and PFL, BGES Group offers workers’ compensation, general liability, commercial auto, umbrella insurance, and more.

Why Work With BGES Group?

If you’re a New York business owner looking for a reliable, knowledgeable partner to help you with disability and PFL insurance, BGES Group is the name to know. They combine personalized service with professional expertise, giving you peace of mind and your employees the protection they deserve.

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Contact Information for BGES Group

Ready to upgrade your employee benefits or need help navigating New York’s DBL and PFL requirements? Reach out to BGES Group today:

• Phone: Gary Wallach – (914) 806-5853
• Email: info@bgesgroup.com
• Website: www.bgesgroup.com

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Conclusion

Understanding and managing New York State Disability and Paid Family Leave coverage is essential for businesses of all sizes. Whether it’s complying with legal requirements or providing more robust benefits to attract and retain talent, BGES Group can help you every step of the way. With expert advice, tailored solutions, and a commitment to customer service, they’re the trusted partner New York businesses rely on.

Make the smart move—contact BGES Group today and ensure your business and employees are protected.