Introduction: Why Workers Compensation Insurance Matters

Whether you’re a small business owner or managing a large workforce, having a reliable workers compensation insurance policy is not just a legal requirement—it’s a vital part of protecting your employees and your business. Accidents happen, and when they do, the right workers compensation insurance provider can mean the difference between a minor disruption and a financial disaster.

In this article, we’ll explain exactly what workers compensation insurance covers, focus on the loss of wages benefits under New York State law, explain the role of the Employers Liability section, and introduce you to the BGES Group, a leader in workers compensation insurance serving New York, New Jersey, and Connecticut.

---

What Does Workers Compensation Insurance Cover?

Workers compensation insurance, sometimes searched as workman’s comp insurance or work comp insurance, provides coverage for employees who suffer injuries or illnesses while on the job. It typically includes two major areas of protection:

1. Medical Expenses: This includes hospital bills, doctor visits, medications, surgeries, physical therapy, and any necessary ongoing medical care. The goal is to ensure the employee gets proper treatment without bearing the cost out of pocket.
2. Loss of Wages (Indemnity Benefits): If an employee is unable to work due to a work-related injury or illness, workers compensation pays a portion of their lost income during recovery. These payments help injured workers maintain financial stability while healing.

---

Wage Loss Benefits Under New York Law

In New York, the workers compensation lost wage benefit is calculated based on two-thirds (66.67%) of the injured employee’s average weekly wage, up to a maximum amount set by law. Here’s a breakdown:

🔹 Maximum Weekly Benefit (As of July 1, 2024 – June 30, 2025):

• $1,171.46 per week

This amount is subject to change annually based on the New York State Average Weekly Wage (NYSAWW).

🔹 Minimum Weekly Benefit:

• $150 per week, or the employee’s full wages if they make less than $150 weekly.

🔹 Is Workers Compensation Wage Loss Benefit Taxable?

No. Workers compensation wage loss benefits are generally not taxable at the federal or state level. This helps injured workers retain more of their benefits during a tough time.

These wage benefits are essential for any business to understand because having the best workers compensation insurance ensures injured employees are taken care of and lawsuits are minimized.

---

Employers Liability Coverage: A Key Protection for Your Business

Another vital component of a standard workers compensation insurance policy is Employers Liability Insurance. While workers comp typically covers medical and wage loss, Employers Liability steps in when the employer is sued due to a job-related injury not fully covered by workers comp laws.

Why Is This Coverage Included?

Despite workers compensation being a no-fault system, employees or their families can sometimes file additional claims alleging employer negligence. That’s where this coverage becomes essential.

3 Real-World Examples of Employers Liability Claims:

1. Third-Party Over Actions: An employee injured by a machine sues the manufacturer, and the manufacturer then sues the employer for improper training.
2. Loss of Consortium Claims: A spouse sues the employer for loss of companionship and support due to a debilitating workplace injury.
3. Dual Capacity Lawsuits: An employee sues the employer in a different capacity—for example, if the employer also manufactured a defective product that caused the injury.

Employers liability ensures you’re not paying out of pocket for defense costs or judgments in such lawsuits, making it an integral part of a comprehensive workers compensation insurance plan.

---

Meet BGES Group – Your Tri-State Workers Compensation Experts

When you need workers compensation insurance in New York, New Jersey, or Connecticut, BGES Group is the name trusted by thousands of businesses across all industries. We’re more than just insurance brokers—we’re advocates for our clients, specializing in finding affordable workers compensation insurance policies that deliver unmatched protection.

Why Choose BGES Group?

• Over 44 Years of Industry Expertise
• Customized Insurance Plans for High-Risk and Low-Risk Industries
• Access to Top-Rated Workers Compensation Insurance Carriers
• In-House Claims Support to reduce claim costs and improve outcomes
• Dedicated Agents who understand the unique labor laws in NY, NJ, and CT

Whether you’re a contractor, manufacturer, restaurant owner, or part of the healthcare industry, we can tailor a policy that fits your operations, budget, and risk profile.

Looking to Reduce Workers Comp Costs?

We help businesses implement safety programs, return-to-work policies, and monitor claim activity to lower experience mods and reduce premiums. If your business has been dropped by a carrier or labeled “high-risk,” BGES Group can place you with specialized markets that welcome challenging risks.

---

Get in Touch with BGES Group Today!

If you’re searching for workers compensation insurance near me, or looking for a better rate on workers comp insurance, contact the BGES Group today to discuss your options.

📍 Serving: New York, New Jersey, Connecticut

📞 Phone: Gary Wallach – (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: www.bgesgroup.com

---

Final Thoughts: Peace of Mind for You and Your Employees

Workers compensation insurance is more than a compliance requirement—it’s an investment in your business’s resilience and your employees’ well-being. By understanding how it works, especially the loss of wages benefits in New York, and making sure you have a comprehensive policy that includes Employers Liability, you’re building a safer, more protected workplace.

Partnering with a specialist like BGES Group means you’ll never have to navigate the complex world of work comp insurance alone. Get peace of mind, expert guidance, and a policy that fits your exact needs—whether you’re just starting out or looking for a better deal.

If you’re a contractor working in New York, you’ve likely heard about the infamous Labor Law 240 and 241 — statutes that can make contractors liable for certain worker injuries, even if they weren’t negligent. As a result, many general liability policies in New York specifically exclude Labor Law claims unless special coverage is purchased.

But here’s the thing: not every contractor needs Labor Law coverage under their commercial general liability (CGL) policy. There are specific scenarios where you can skip this expensive add-on — and doing so can dramatically reduce your insurance premiums.

Let’s break down why you might not need Labor Law coverage and give you five clear, real-world examples. Then we’ll explain how BGES Group specializes in helping contractors manage these tricky policies so you don’t overpay for protection you don’t need.

Why Labor Law Coverage Is a Big Deal in New York

New York is one of the few states with strict, absolute liability laws for construction injuries involving gravity-related risks (think falls from ladders, scaffolds, falling objects, etc.). Under Labor Law 240 and 241, property owners and contractors can be held fully responsible for a worker’s injuries — regardless of who was actually at fault.

Most insurance carriers in New York exclude Labor Law coverage by default from CGL policies because of the high risk and large payouts these claims involve. Contractors who work at heights, do demo work, or engage in structural alterations usually have to buy pricey endorsements to get this protection.

However — if your business is structured a certain way or if your work scope is limited, you might be able to operate without needing Labor Law coverage. Here’s when.

⸻

Five Scenarios Where Labor Law Coverage Might Not Be Necessary

1️⃣ You Work Exclusively on Owner-Occupied, 1- or 2-Family Residential Properties

Labor Law 240 and 241 apply mainly to commercial projects and multi-family residential properties. If you work solely on single-family homes or two-family homes where the homeowner resides and directly contracts your services, Labor Law typically doesn’t apply.

Example:

John’s Home Renovations does kitchen and bathroom remodels for owner-occupied homes in Queens and Long Island. Because John works only in these private residences and is hired directly by the homeowners, his liability exposure under Labor Law is minimal to none.

⸻

2️⃣ You Don’t Employ Subcontractors or Use Day Laborers

Labor Law liability typically comes into play when a worker is injured on a jobsite. If you’re a sole proprietor or an LLC with no employees or subs, and you do all your own work, your risk for a Labor Law claim is zero.

Example:

Carlos the Handyman runs a one-man operation doing drywall, tiling, and carpentry work. Because Carlos performs all labor himself, with no hired workers, he cannot be sued under Labor Law.

⸻

3️⃣ You Only Perform Interior Work Without Height Exposure

Labor Law 240 focuses heavily on elevated work or falling object hazards. If your work is entirely interior, ground-level, and doesn’t involve scaffolds, ladders, or roof work, your risk is considerably lower.

Example:

E & S Painters LLC handles interior painting, patchwork, and wallpaper installation in offices and retail stores — all done from the ground or small step stools under four feet. Because they never perform elevated work, their Labor Law exposure is essentially nonexistent.

⸻

4️⃣ You Work Under a GC or Property Owner Who Assumes Labor Law Responsibility

Sometimes, contracts will transfer Labor Law liability to another party, like a general contractor (GC) or property owner. If your contract is properly worded and you have an ironclad indemnification agreement, you might avoid needing Labor Law coverage yourself.

Example:

MasonPro Inc. is hired by a large GC to handle brick pointing on a five-story apartment building. The GC’s contract indemnifies MasonPro for all Labor Law claims, and the GC provides blanket coverage for all subcontractors. In this case, MasonPro isn’t directly responsible for securing their own Labor Law coverage.

⸻

5️⃣ You Only Perform Demolition Work on Interiors, with No Exterior Structural Impact

If you’re doing non-structural, interior demo work — think gutting bathrooms or removing non-load-bearing partitions — and if your contract specifies that no scaffolding or elevated work will occur, you might avoid Labor Law exposure.

Example:

Safe Demo Services LLC specializes in removing old kitchens and bathrooms in occupied residences. They never demolish exterior walls, roofs, or anything requiring elevated access. With careful jobsite control and well-written contracts, their Labor Law exposure is negligible.

How BGES Group Can Help When Your Policy Comes Up for Renewal

At BGES Group, we understand how complicated New York construction insurance can be — especially with all the restrictions, exclusions, and high premiums driven by Labor Law liability.

When your policy comes up for renewal, it’s the perfect time to have our experts review your work scope, contracts, and insurance requirements. We’ll tell you straight whether you need Labor Law coverage or not — and if you do, we’ll shop it aggressively to get you the best deal.

If you don’t need it, we’ll help you structure your operation and contracts correctly to avoid exposure and keep your premiums low.

We don’t stop there. We also help contractors with:

• Workers’ Compensation Insurance

• Commercial Auto Insurance

• Tools & Equipment Coverage

• Umbrella & Excess Liability Policies

• Contract Reviews & Compliance Advice

We’re a mom-and-pop service firm, not a big-box agency. That means you get personal, one-on-one attention, fast responses, and real advice from experts who’ve been insuring New York contractors for over 44 years.

⸻

Get in Touch With BGES Group Today

If you’re a contractor in New York, don’t blindly renew your policy without talking to us. We can probably save you a ton on your insurance — and make sure you’re covered where it counts.

📞 Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Let’s protect your business the smart way — without overpaying for coverage you don’t need.

If you’re a New York contractor, understanding the implications of Labor Law 240 and 241 is essential—not just for compliance, but to protect your business from devastating financial losses. Whether you’re a general contractor, subcontractor, or construction business owner, these laws can create major legal liabilities if you’re not properly insured. In this article, we’ll break down what Labor Law 240 and 241 are, how Commercial General Liability insurance policies (CGL) handle these types of claims, the cost implications of having or not having coverage, and real-world examples of covered and uncovered claims. Finally, we’ll introduce you to BGES Group, one of New York’s construction insurance specialists, and how we can help you obtain proper coverage.

---

What Are New York Labor Law 240 and 241?

New York Labor Law 240, commonly referred to as the “Scaffold Law”, was enacted to protect construction workers from gravity-related injuries—think falls from ladders, scaffolds, or other elevated structures. Under this law, property owners, contractors, and their agents can be held strictly liable for injuries caused by violations of safety standards, regardless of the worker’s own negligence.

Labor Law 241 complements 240 but focuses more on the broader safety regulations for construction, demolition, and excavation work. It includes provisions requiring owners and contractors to provide adequate safety equipment and follow specific procedures outlined by the New York State Industrial Code.

In layman’s terms: if a worker is injured because they weren’t provided proper fall protection, or a site was improperly managed, your construction company could be on the hook—even if you weren’t directly at fault.

---

General Liability Insurance and Labor Law 240/241 Claims

This is where things get tricky for New York contractors. Not all Commercial General Liability (CGL) policies automatically cover claims related to Labor Law 240 and 241. In fact, many policies contain exclusions—either partial or complete—that deny coverage for these claims.

Common Exclusions in CGL Policies:

1. Action Over Exclusion: Bars coverage when an injured worker sues the property owner, who then sues the contractor.
2. Labor Law Exclusion: A blanket exclusion of claims under Labor Law 240/241.
3. Independent Contractors Exclusion: Denies coverage for injuries to subcontractors or their employees.
4. Employee Injury Exclusion: Excludes coverage for injuries to your own employees (usually meant to be covered under Workers’ Comp, but can impact other claims).

These exclusions are a critical insurance gap. If you’re not aware they exist in your policy, you could be left with a multi-million-dollar claim that your insurer refuses to pay.

---

Premium Differences: Coverage vs. No Coverage

You might be thinking, “Well, I’ll just get the cheaper policy.” But cheaper isn’t always better—especially in construction insurance. A policy with full Labor Law 240/241 coverage will generally have premiums that are 25%–100% higher, depending on the type of work, subcontractor management, and project size. But that extra cost buys you peace of mind and financial protection.

On the other hand, if your policy excludes these claims, you’re gambling your business on the hope that no serious accident happens. And in New York, that’s a risky bet.

---

Real-Life Examples of Covered Claims

1. Roofer Falls From Ladder A roofing subcontractor falls 20 feet due to defective ladder anchoring. The injured worker sues the building owner, who sues the GC. Because the contractor had a CGL policy with no Labor Law exclusions, the insurer covered the legal defense and $2.5 million settlement.
2. Scaffold Collapse During Demolition A scaffold collapses during a building tear-down. A worker suffers spinal injuries. The GC’s policy included coverage for Labor Law 240 claims, and the insurance company covered all litigation costs and the $1.8 million judgment.
3. Unsecured Materials Strike Worker A worker on a lift is struck by falling materials. The project had full 240/241 coverage and subcontractor agreements were correctly managed. The insurer stepped in to defend and settle the claim.

---

Real-Life Examples of Uncovered Claims

1. Policy With Action Over Exclusion A carpenter falls from a scaffold. He sues the building owner, who sues the contractor. The contractor’s policy had an “Action Over” exclusion, and the insurer denied the claim, leaving the contractor personally responsible for $1.2 million in damages.
2. Labor Law Exclusion in Fine Print A masonry worker is injured during excavation. The contractor’s policy contained a blanket Labor Law exclusion buried in the fine print. Claim denied.
3. Uninsured Subcontractor A painting subcontractor falls from a lift. The GC didn’t verify the sub’s insurance, and the GC’s policy had an Independent Contractor exclusion. No coverage was provided, resulting in financial ruin for the contractor.

---

Meet BGES Group – New York’s Construction Insurance Specialist

At BGES Group, we specialize in helping New York contractors obtain the right insurance protection, especially when it comes to tricky areas like Labor Law 240/241. We’ve spent years studying the intricacies of contractor insurance and know exactly what to look for to avoid gaps in coverage.

We’re not a large, impersonal agency or a tech-heavy online operation where you’re just another policy number. We’re a mom-and-pop-style, boutique insurance agency that takes pride in one-on-one service, in-depth consultation, and long-term relationships with our clients.

When you work with us, you’re not shuffled around. You’ll speak to knowledgeable, experienced professionals who understand the New York construction insurance landscape inside and out.

---

Why BGES Group Is Different

• Personalized Service – We take the time to learn your business inside and out.
• Expertise in NY Labor Law – We know how to spot hidden exclusions and push for policies that truly protect you.
• Access to Top Carriers – We work with insurance companies that are known for covering high-risk construction businesses.
• Boutique-Level Attention – Unlike big-box agencies, we don’t operate on volume—we focus on relationships.
• Quick Turnaround Times – Need a quote fast? We’re built to respond quickly and accurately.

---

Contact BGES Group Today

Don’t wait until a claim puts your entire business at risk. If you’re a New York general contractor, subcontractor, or developer looking for protection against Labor Law 240/241 claims, get in touch with BGES Group today.

📞 Call Us: Gary Wallach – (914) 806-5853 📧 Email: bgesgroup@gmail.com 🌐 Visit Our Website: www.bgesgroup.com

Let us help you navigate the complexities of New York contractor insurance and ensure your business is truly protected. We’re ready to earn your trust—one policy at a time.

Let’s be honest — if contractors ran this country, we’d have a whole lot less red tape, a lot more common sense, and probably a few more barbecues. While politicians debate, contractors get things done. They wake up at dawn, put in a hard day’s work, and fix problems you didn’t even know you had. So, what would happen if we handed the country over to them? Here are 10 things contractors would want to do to make America better, faster, and tougher than a galvanized steel beam on payday.

⸻

1. Ban Useless Meetings

First order of business: meetings about meetings would be outlawed. If you can’t cover it in a five-minute jobsite huddle with a coffee in one hand and a bacon-egg-and-cheese in the other, it’s not worth having. Contractors believe in action, not conference calls with a dozen people who say, “Let’s circle back on this.”

New rule: if you call a meeting, you better be bringing donuts.

⸻

2. Fix the Roads — All of Them

Nothing grinds a contractor’s gears like bad roads. Potholes are personal. If contractors ran America, every street would be smooth, level, and graded to perfection. And if you complain about a road closure during repaving, you’ll be handed a shovel and invited to help.

Bonus: Every completed road project comes with a neighborhood block party and a cornhole tournament.

⸻

3. Replace Politicians with Foremen

No one knows how to handle a jobsite disaster better than a seasoned foreman. Forget career politicians — we need grizzled guys named Sal, Vinny, and Big Mike running Congress. These are men who’ve solved electrical fires, scaffold collapses, and six-month project delays with nothing but duct tape, a cooler full of Gatorade, and sheer grit.

At the State of the Union, they’d pass around cigars instead of applause.

4. Make Common Sense a Law

Some of the rules out there are so backward, a contractor wouldn’t follow them if you paid him double time. If contractors ran the show, we’d finally have a “Common Sense Code.” Any law, regulation, or policy would have to pass one simple test:

Does it make sense on a jobsite at 6:30 a.m.?

If the answer’s no, it’s gone.

⸻

5. National Barbecue Fridays

Nothing brings people together like a good grill-out. Contractors know it. Every Friday at noon, America would down tools for National Barbecue Hour. No exceptions. Federal mandate. Even vegans get a grilled portobello cap and a handshake.

Extra points for whoever brings the best coleslaw.

⸻

6. Reinvent the DMV

If you think a six-month lead time on a permit is bad, try renewing your driver’s license. Contractors would fix the DMV like they fix a busted HVAC system: tear out what doesn’t work and rebuild it properly. Under contractor management, the DMV would be a drive-thru. Get your new license with your coffee order.

License plates delivered on-site by 4:00 p.m. Or it’s free.

⸻

7. Pay People for Actual Work

Contractors value a hard day’s work. No hiding in cubicles or “working from home” while binge-watching home improvement shows. If you dig, lift, haul, build, paint, weld, or fix something, you get a fat paycheck and a cold one at the end of the day.

Lazy paper-pushers? They’ll be retrained in drywall repair or demo work.

8. Simplify Taxes

Tax codes are so complicated even a master plumber can’t snake through them. Contractors would scrap the IRS’s 70,000-page rulebook and replace it with something you can fit on a napkin:

“If you made money, pay your fair share. If you didn’t, have a beer on us.”

And yes — tool deductions are 100% tax-free, no questions asked.

⸻

9. Bring Back Skilled Trades to Schools

Why are we still teaching kids to play the recorder in 2025? Contractors would overhaul the education system, bringing back shop class, welding, masonry, HVAC training, and the fine art of yelling, “Hey, watch your head!”

Graduation requirements: build a shed, wire a light switch, and hang drywall without a single wobble.

⸻

10. National Work Boot Day

Once a year, everyone — office workers, influencers, CEOs — would be required to lace up a pair of steel-toe boots and spend a day on a jobsite. It’s good for the soul, toughens you up, and makes you appreciate why your contractor’s bill comes with a premium.

Bonus points for the first executive to hit their thumb with a hammer and keep working.

⸻

And When Those Contractors Need Insurance… They Call BGES Group

Here’s the deal — if you’re a contractor working anywhere in the Tri-State area (New York, New Jersey, Connecticut), you already know it’s a jungle out there. Between OSHA regulations, labor laws, workers’ comp audits, and the occasional rookie who drops a pipe wrench through a windshield, you need someone in your corner.

That’s where BGES Group comes in.

We’re not some faceless, big-box insurance agency that leaves you on hold for 45 minutes while transferring you to five different departments. We’re a mom-and-pop-style firm that actually picks up the phone — and we know construction insurance better than Sal knows scaffolding.

⸻

What Does BGES Group Do?

• Specialized Workers’ Compensation Programs: Get coverage that makes sense for your business — and your payroll.

• General Liability, Umbrella & Commercial Auto: Because one accident on the Cross Bronx Expressway can cost you your shirt.

• Payroll Services through Applied Underwriters: Take a load off and let us handle it.

• Risk Management & Claims Handling: When things go sideways, we get involved — fast.

No red tape, no runarounds, and no suits who don’t know the difference between a finish nail and a drywall screw.

⸻

Ready to Make Your Insurance Life Easier?

Call Gary Wallach at 914-806-5853

Email: bgesgroup@gmail.com

Visit: http://www.bgesgroup.com

We’ll treat you like family — the good kind, not the in-laws you avoid at Thanksgiving.

⸻

Because if contractors ruled America, insurance would be handled like everything else: fast, fair, and with a handshake.

In the high-pressure, deadline-driven world of contracting, what separates the average from the exceptional isn’t just technical skill — it’s character. The most successful contractors in the Tri-State area and beyond share a distinct set of traits that fuel their growth, protect their businesses, and earn them loyal clients. Whether you’re a small operation or running crews on multiple sites, cultivating these characteristics can be the difference between surviving and thriving.

Let’s dive into the 10 defining characteristics of top-tier contractors:

⸻

1. Reliability

Clients, vendors, and employees alike respect contractors who do what they say they’ll do. Reliability means showing up on time, meeting deadlines, sticking to budgets, and following through on promises. Word travels fast in the industry, and a reputation for dependability opens doors to bigger and better opportunities.

⸻

2. Clear Communication

Successful contractors know that clear, consistent communication prevents mistakes, reduces disputes, and builds trust. From explaining project details to handling change orders or discussing insurance requirements, being able to communicate effectively with clients, subs, and vendors keeps projects on track and relationships strong.

⸻

3. Financial Discipline

Cash flow is king in contracting. The best contractors maintain tight control over budgets, costs, and receivables. They bid jobs realistically, plan for contingencies, and avoid risky deals. They also prioritize having the right insurance programs to protect against unforeseen losses that could cripple their operations.

4. Strong Leadership

Contracting isn’t just about swinging hammers or pouring concrete — it’s about leading teams. The top contractors inspire their crews, set high standards, and create a culture where safety, quality, and efficiency matter. They solve problems without finger-pointing and make tough decisions when necessary.

⸻

5. Adaptability

Every job site brings surprises — weather delays, permit issues, supply shortages, or changing client needs. Successful contractors stay calm under pressure and pivot quickly without losing sight of the big picture. Their flexibility helps them navigate obstacles while keeping clients satisfied.

⸻

6. Commitment to Quality

Cutting corners might save money short term, but it damages a contractor’s reputation long term. The best contractors are sticklers for quality, making sure work meets code, stands the test of time, and satisfies clients. They use trusted materials and experienced crews, knowing that good work builds lasting relationships.

7. Problem-Solving Skills

No two projects are the same, and issues are inevitable. Great contractors stay proactive, anticipating problems before they happen. When challenges arise, they think critically, collaborate with their team, and find smart, cost-effective solutions. Their clients feel reassured knowing issues will be handled professionally.

⸻

8. Industry Knowledge

Successful contractors stay sharp by keeping up with trends in construction methods, safety standards, material innovations, and insurance regulations. They attend industry events, join associations, and consult with specialists like insurance brokers who understand the unique needs of contractors in their region.

⸻

9. Strong Work Ethic

Contracting is physically and mentally demanding. The most successful contractors work hard, lead by example, and show resilience when things get tough. They don’t expect success to come easy — they earn it through effort, accountability, and perseverance.

⸻

10. Risk Management Awareness

Top contractors know their insurance coverage inside and out. They work with experienced brokers to protect against job site accidents, property damage, worker injuries, and legal claims. They understand that the right insurance isn’t just a formality — it’s a critical business asset that can save them from devastating losses.

⸻

Why Successful Contractors Partner with BGES Group

At BGES Group, we specialize in protecting contractors across New York, New Jersey, and Connecticut. For over 35 years, we’ve been the go-to resource for contractors who value personal service, tailored insurance programs, and practical advice.

Unlike large, impersonal insurance agencies, BGES Group operates like a trusted partner. We take the time to understand your business, your projects, and your challenges, and we design coverage strategies that fit your real-world needs.

Here’s what makes BGES Group different:

• Construction-Industry Specialists: We know the job site risks you face daily, from falls and equipment accidents to general liability exposures.

• Exclusive Workers’ Compensation Programs: Our network includes top-tier carriers and specialty programs that help contractors lower costs and improve cash flow.

• Contract Review & Certificate Management: We’ll review your contracts to flag insurance requirements and help you meet them without overpaying for unnecessary coverage.

• Fast, Personal Service: No call centers. No bouncing between reps. You deal directly with Gary Wallach, who knows your account, your business, and your market.

• Tri-State Focus with National Reach: We serve contractors locally in NY, NJ, and CT while offering nationwide coverage options when needed.

• Risk Management Guidance: From OSHA compliance to accident investigation protocols, we’re your resource for protecting your people and your profits.

When you work with BGES Group, you’re not just getting a policy — you’re gaining a partner who cares about your success, helps you navigate job site hazards, and makes sure you’re never caught off guard when the unexpected happens.

⸻

Contact BGES Group Today

If you’re a contractor in the Tri-State area looking to improve your insurance program, reduce costs, and work with an agency that truly understands your world, we invite you to reach out.

Contact Information:

BGES Group

Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

Let’s discuss your insurance needs and see how we can help you build a stronger, safer, and more profitable business.

When it comes to protecting your construction business, choosing the right insurance partner isn’t just about rates and policy documents — it’s about trust, service, and real-world support when you need it most. In a city like New York, where job sites are demanding, regulations are strict, and claims can quickly spiral into major issues, working with a personalized, service-driven agency like BGES Group isn’t just smart — it’s essential.

Too often, contractors fall into the trap of signing on with big, factory-style insurance brokerages that treat them like just another account number. These operations may promise the world, but when the pressure’s on, you’re lucky to get a call back, let alone a real advocate.

Let’s break down 10 key reasons why working with a “Mom & Pop” service agency like BGES Group gives New York contractors a true edge over the factory-style insurance shops.

⸻

10 Reasons to Work With a Boutique, Contractor-Focused Agency Like BGES Group

1. Personal Relationships, Not Account Numbers

At BGES Group, you’re a person, not a policy number. You have a direct relationship with your agent (Gary Wallach, the owner himself!) — someone who knows your business, your projects, your pain points, and your long-term goals.

2. Fast, Direct Communication

Good luck getting your factory-style brokerage to return your call same day, let alone within the hour. BGES Group is known for fast, responsive service. You deal directly with decision-makers — no phone trees, no call centers.

3. Real Expertise in New York Construction

BGES Group isn’t a generalist trying to serve every industry under the sun. They specialize in New York construction and contractors’ insurance — from workers’ comp to general liability, excess liability, and specialty coverages like owners & contractors protective (OCP) policies.

4. Help Navigating Audits, Claims, and OSHA Headaches

When a workers’ comp audit hits or an OSHA inspector shows up unannounced, who do you want in your corner? A junior service rep in Ohio? Or a hands-on, local advocate who understands New York job site realities? BGES Group goes to bat for you.

5. Customized Insurance Programs

Big brokerages often shoehorn contractors into one-size-fits-all programs with little flexibility. BGES Group tailors coverage options to your business’s size, trade specialty, payroll, and risk profile — ensuring you get the best protection at a competitive price.

6. Proactive Risk Management Advice

Factory agencies often only show up when it’s time to renew or collect a commission. BGES Group actively helps clients reduce claims, manage subcontractor compliance, implement safety plans, and stay ahead of regulatory changes.

7. Stability and Consistency

At mega-agencies, account managers come and go like subway trains. At BGES Group, you deal with the same trusted people year after year — professionals who understand your business’s history and evolution.

8. Honest, Straightforward Advice

Contractors appreciate straight talk, not corporate jargon. BGES Group tells it like it is, offering clear, practical advice to help you protect your business and avoid costly mistakes.

9. Priority Service When You Need It Most

In emergencies — a serious claim, job site incident, or coverage issue — BGES Group makes you a top priority. Factory-style brokerages? You’ll be on hold while they “review your file.”

10. Supporting a Family-Owned, Local Business

New York thrives because of its independent businesses, not faceless corporations. Working with BGES Group keeps your dollars local and supports a fellow small business owner who cares about your success.

⸻

Why Contractors Trust BGES Group

BGES Group is one of New York’s leading specialists in construction insurance and workers’ compensation insurance for contractors. They work with businesses of all sizes — from one-man operations to firms with 500+ employees — offering expert advice, superior customer service, and tailored insurance programs that save money and reduce risk.

Owner Gary Wallach is personally involved in every account. He knows the New York construction industry inside and out, having worked with hundreds of contractors over the past three decades. His hands-on approach, deep insurance market knowledge, and fierce advocacy on behalf of clients are what set BGES Group apart.

Their specialties include:

• Workers’ Compensation: Access to top programs, including pay-as-you-go plans and options for tough-to-place accounts

• General Liability: Coverage tailored for New York construction’s unique exposures

• Excess/Umbrella Liability: High-limit protection for larger jobs and GC requirements

• Specialty Coverages: OCP, owners’ protective, equipment floater, bonds, and more

• Claims & Audit Assistance: Direct help navigating audits, claim disputes, and OSHA situations

They don’t just sell policies — they act as a risk management partner, helping contractors avoid claims, keep premiums down, and comply with evolving regulations.

⸻

Who Should Call BGES Group?

If you’re a New York contractor tired of being just another account number, or frustrated with unreturned calls and impersonal service, BGES Group is for you.

Ideal clients include:

• General contractors

• Subcontractors (electrical, plumbing, drywall, roofing, etc.)

• Steel erectors, concrete contractors, and demolition firms

• Heavy construction and street & road contractors

• Any trade operating in New York City, Long Island, or anywhere in New York state

⸻

Contact BGES Group Today

If you’re serious about protecting your business, improving your coverage, and getting a real partner in your corner, reach out to BGES Group today:

BGES Group

Gary Wallach, Owner

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

⸻

Final Thought

Insurance is one of the most important tools a contractor can have — and your choice of broker makes all the difference when a claim hits or a problem arises. In a tough, high-stakes market like New York construction, you don’t want a faceless mega-agency. You want a real person, with real expertise, who answers the phone and goes to battle for you.

That’s what you get with BGES Group. Call today and experience the difference for yourself.

For New York contractors, dealing with OSHA (Occupational Safety and Health Administration) doesn’t have to feel like navigating a bureaucratic maze. While construction safety regulations can seem overwhelming, smart contractors are discovering that working with OSHA rather than against it can actually streamline operations, reduce costs, and give them a competitive edge in a crowded market.

⸻

Understanding OSHA’s Role in Contractor Success

OSHA regulations for contractors aren’t just about avoiding fines — they’re about creating safer, more efficient worksites that protect your most valuable asset: your workers. When you shift your mindset from viewing OSHA as an obstacle to seeing it as a partner in building a stronger, safer business, everything changes.

Safe worksites experience fewer delays, lower insurance premiums, higher worker morale, and stronger client relationships.

⸻

Seven Strategic Ways to Work Better with OSHA

1. Embrace Proactive Safety Planning for Construction Sites

Stop waiting for random inspections. Develop a comprehensive OSHA safety plan for contractors before breaking ground. Create detailed job site safety protocols, conduct regular toolbox talks, and document everything. A proactive approach demonstrates good faith and often results in a more cooperative relationship with OSHA when they visit.

⸻

2. Invest in OSHA-Approved Training and Documentation

Regular OSHA safety training for construction workers isn’t just a box to check — it’s an investment that pays dividends. Ensure all workers have proper OSHA 10 and 30-hour certifications. Keep detailed records of every training session, safety meeting, and reported incident. Strong documentation can reduce citations and show OSHA you’re serious about workplace safety.

⸻

3. Build Strong Communication Channels with OSHA

Stay connected to your local OSHA office. Attend OSHA outreach training programs, participate in contractor safety seminars, and reach out with questions about compliance. OSHA officers respect contractors who seek guidance rather than gamble on guesswork.

4. Conduct Regular Jobsite Safety Inspections

Get ahead of inspections by conducting your own thorough jobsite safety audits. Use OSHA safety checklists for construction sites as your guide. Identify hazards, correct issues immediately, and document your actions. This can prevent costly fines and work stoppages.

⸻

5. Create a Culture of Safety Reporting

Encourage workers to report unsafe conditions or hazards without fear of retaliation. An open safety reporting policy for contractors helps catch issues before they escalate into OSHA violations or accidents. Consider anonymous reporting systems and even small rewards for identifying hazards.

⸻

6. Stay Current on New OSHA Regulations

OSHA regulations for construction sites evolve often. Subscribe to OSHA newsletters, join New York construction associations that provide updates, and consider hiring safety consultants for OSHA compliance. Staying ahead of rule changes prevents last-minute scrambles when new requirements take effect.

⸻

7. Maintain Detailed OSHA Recordkeeping

Accurate OSHA recordkeeping for contractors is your best defense during inspections. Keep detailed records of all safety training, incidents, equipment inspections, and corrective actions. These records can also help reduce penalties if violations occur.

The Business Case for Partnering with OSHA

Working collaboratively with OSHA offers measurable business advantages. Contractors with strong safety records qualify for better insurance rates, win more bids (especially from safety-conscious clients), experience fewer delays due to accidents, and build reputations that attract high-quality workers.

The investment in robust jobsite safety programs typically pays for itself in reduced insurance costs and increased operational efficiency.

⸻

Protecting Your Construction Business with the Right Insurance

Even the safest contractors need proper business insurance for contractors in New York. Construction involves inherent risks, and even the best safety protocols can’t prevent every incident. That’s why having comprehensive, tailored insurance coverage is critical.

⸻

How BGES Group Helps New York Contractors Stay Protected

BGES Group specializes in providing contractor insurance in New York, including:

• General liability insurance for contractors

• Workers’ compensation insurance

• Commercial auto insurance for construction businesses

• Professional liability insurance for design-build contractors

• Umbrella insurance policies

• Surety bonds for construction projects

What sets BGES Group apart is their deep knowledge of New York’s construction regulations, OSHA requirements, and contractor risk management. They build customized coverage plans tailored to your business type, project scope, and risk profile.

BGES Group also offers ongoing support, policy reviews, claims assistance, and risk management advice throughout your policy term.

⸻

Laying the Foundation for Long-Term Success

The combination of strong OSHA compliance for contractors and comprehensive insurance creates a foundation for sustained business growth. Contractors who excel in these areas are positioned to win larger projects, maintain profitability, and build long-lasting business relationships.

Those who view safety compliance and insurance protection as strategic advantages — not burdens — are the ones who thrive in New York’s highly competitive construction market.

⸻

Take Action Now: Protect and Grow Your Contracting Business

Don’t wait for an OSHA inspection in New York or an insurance claim to realize the importance of these critical areas. Start by conducting a jobsite safety audit and reviewing your insurance program for gaps in protection.

Contact BGES Group today to secure your future:

📞 Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Start building a safer, more profitable contracting business — your future depends on it.

Managing workers’ compensation insurance in New York, New Jersey, and Connecticut is no small feat. Between sky-high premiums, audit nightmares, and rising claim costs, it’s one of the biggest headaches for business owners across the region. If you’ve been frustrated by unpredictable costs, poor service, and limited options from traditional insurance carriers, there’s a smart alternative you should know about.

A high-performance workers’ compensation program, designed specifically for businesses in high-cost, heavily regulated states like NY, NJ, and CT, is rapidly becoming the go-to choice for forward-thinking companies looking for cost control, claims management support, and long-term coverage stability.

What makes this program unique isn’t just the competitive pricing — it’s the complete business solution it offers, including integrated payroll services, in-house claims management, and a workers’ comp insurance company under their direct ownership, providing a level of control and stability other programs can’t match.

Let’s break down why so many Tri-State business owners are making the switch.

⸻

10 Reasons Tri-State Business Owners Are Choosing This Workers’ Comp Program

1. Pay-As-You-Go Premium Structure

This program eliminates large upfront premium deposits and surprise audit bills. Premiums are calculated and paid based on actual payroll processed each pay period, keeping cash flow steady and reducing financial risk for your business.

⸻

2. Payroll Processing Included

In addition to handling your workers’ compensation coverage, the program processes your payroll for you — ensuring accuracy in premium calculations and simplifying your back-office operations. No more juggling multiple vendors or worrying about payroll and comp reporting discrepancies.

⸻

3. Ownership of Their Own Workers’ Compensation Insurance Company

Unlike programs that depend on third-party insurance carriers, this one owns and manages its own licensed workers’ compensation company. This means they control underwriting, pricing, claims, and risk management services — giving you long-term coverage stability you won’t find in the open market.

⸻

4. Consistent Cost Savings

Businesses typically save 10% to 25% on workers’ compensation premiums compared to state funds and standard market policies, thanks to competitive rates and a proactive approach to claims and risk management.

⸻

5. Exceptional Claims Management

With in-house claims adjusters and a hands-on claims management strategy, this program focuses on quick, fair claim resolutions. Their goal is always to get injured employees back to work while keeping claim costs low and protecting your experience modification rating.

⸻

6. Customized Risk Management Services

You’ll receive tailored safety programs, jobsite inspections, and employee training resources specific to your industry — designed to reduce workplace accidents and help you avoid costly claims.

⸻

7. No Large Down Payments

Traditional workers’ comp policies often require hefty down payments of 25% to 100% of the annual premium upfront. This program eliminates that burden with a pay-as-you-go setup based on actual payroll.

⸻

8. Multi-State Coverage

If your business operates in multiple states, this program can easily extend coverage to other regions. You’ll receive coordinated service and claims management through a single point of contact, simplifying your insurance management across state lines.

⸻

9. Long-Term Pricing Predictability

With direct ownership of their insurance company, the program provides long-term pricing stability and predictable renewals, especially for businesses that prioritize workplace safety and maintain clean claims histories.

⸻

10. Ideal for Mid-Sized and Growing Companies

As your business grows, this program scales with you — whether you’re hiring new employees, opening additional locations, or expanding into other states. The flexible structure is built to grow alongside your business.

⸻

What Types of Businesses Should Consider This Program?

This isn’t a one-size-fits-all solution. It’s designed for established businesses with solid operations and at least $100,000 in annual payroll. Industries that typically see the biggest benefits include:

• Construction (General Contractors, Subcontractors, Specialty Trades)

• Manufacturing (Metal, Plastics, Wood, Food Production)

• Transportation and Trucking Fleets

• Warehousing and Distribution Centers

• Building Maintenance and Janitorial Services

• Landscaping, Tree Care, and Property Maintenance

• Printing, Packaging, and Assembly Operations

If your business falls into one of these categories, especially in the Tri-State region where workers’ comp costs can be crippling, this program offers significant financial and operational advantages.

⸻

Meet BGES Group — Your Workers’ Comp Specialist

Finding the right workers’ compensation program isn’t just about pricing — it’s about having an experienced advisor who understands the nuances of your industry, your state’s labor laws, and your business goals. That’s where BGES Group comes in.

For over 44 years, BGES Group has specialized in workers’ compensation insurance for New York, New Jersey, and Connecticut businesses. Their expertise, market access, and personal service have helped countless business owners reduce their insurance costs while improving coverage and claims support.

BGES Group works closely with business owners to:

• Review existing workers’ comp programs and identify opportunities for savings and improvement.

• Provide access to exclusive programs like this one that are unavailable through standard insurance agencies.

• Offer expert claims advocacy to make sure your claims are handled quickly and fairly.

• Deliver customized risk management advice to reduce the frequency and severity of workplace injuries.

• Help manage audit exposures and eliminate surprise premium adjustments at year’s end.

• Coordinate multi-state coverage solutions for businesses operating across state lines.

What makes BGES Group different is their hands-on, boutique approach. When you work with them, you deal directly with an experienced advisor, not a call center or junior account manager. They act as your partner and advocate, helping you make smart decisions about protecting your people and your business.

⸻

The Bottom Line

If you’re a Tri-State business owner looking for a smarter, more stable, and cost-effective workers’ compensation insurance solution, this proprietary program deserves a serious look. From pay-as-you-go premiums and payroll processing to in-house claims management and long-term rate stability, it offers a complete package for businesses tired of the headaches and financial risks that come with traditional comp policies.

BGES Group can help you determine whether your business is a good fit and walk you through the process of securing a quote and getting started.

To learn more, reach out to Gary Wallach at BGES Group at 914-806-5853, email bgesgroup@gmail.com, or visit http://www.bgesgroup.com.

Smart business owners plan ahead — and smart businesses protect their people, profits, and future with programs like this one.

Father’s Day is one of those holidays that sneaks up on families every year. The ads on TV suggest Dad wants a new tie, a wallet, or a pair of socks — but let’s be honest, if your dad is a contractor, he doesn’t need another tie. The only tie he cares about is a tie-down strap to secure his ladders in the truck.

So what do contractors really want from their wives and kids for Father’s Day? It’s probably not what you’d expect — and most of it won’t cost you a dime. Here’s a fun, light-hearted look at 10 wishes that would make any hard-working contractor dad grin from ear to ear this Father’s Day.

⸻

10 Things Contractors Secretly Wish for on Father’s Day

1️⃣ A Day With No Honey-Do List

Nothing says “I love you, Dad” like leaving him alone for a day without adding to his personal punch list. No fixing leaky faucets. No hanging shelves. No assembling patio furniture. Just one glorious Sunday with no “while you’re at it…” requests.

2️⃣ Unlimited Control of the TV Remote

Dad spends all week dealing with demanding clients, nosy neighbors, and back-ordered materials. On Father’s Day, give him full control of the remote. Whether it’s baseball, a Clint Eastwood marathon, or old reruns of This Old House, let him soak it in without judgment or requests to switch to The Bachelor.

3️⃣ A Cold Drink That Stays Full

Whether it’s an ice-cold beer, iced tea, or one of those mystery energy drinks contractors seem to love, keep it coming. If you see his cup getting low, top it off. It’s the simple things in life, folks.

4️⃣ A Nap Without Guilt

The man’s been getting up before sunrise for years. Give him the green light to snooze in his favorite recliner without someone reminding him of the backyard barbecue or asking what time you’re leaving for Aunt Patty’s.

5️⃣ Breakfast Cooked by Someone Else

Contractors can frame a house and hang drywall with one hand, but even they appreciate being pampered with pancakes and bacon made by someone else for a change. Bonus points if it arrives with a side of fresh coffee and a paper plate — no dishes to wash.

6️⃣ No Tool Theft for the Day

Every contractor dad has a tool stash that mysteriously shrinks when the family borrows his tape measure, pliers, or drill. For one day, let him be the king of his tools without having to play detective when something’s missing.

7️⃣ A Truck Wash (He Didn’t Have to Do)

He loves that truck like a third child. Surprise him with a clean, shiny ride, inside and out. Clear out the fast food wrappers, organize the glove box, and maybe throw in a new air freshener that smells like fresh sawdust.

8️⃣ A Big Ol’ BBQ Feast

Contractors are simple creatures. Give them a slab of ribs, a big burger, or a juicy steak, and they’re happier than a roofer with a new nail gun. Fire up the grill, crack open a cold one, and let him be in his element.

9️⃣ A “Contractor Dad of the Year” Trophy

Nothing over-the-top — a simple homemade certificate or a dollar store trophy that reads “Best Contractor Dad Ever” will do. It’s about the thought, and maybe a little teasing. He’ll laugh and probably display it proudly in his truck.

🔟 A Reminder That He’s the Man

Above all, what contractors want is to feel appreciated. Tell him he’s your hero, your fixer of everything, your rock. Say thank you for building your swing set, fixing the garage door, and being the guy who always knows what to do when the water heater explodes. A little recognition goes a long way.

⸻

At BGES Group, We’re About More Than Insurance — We’re About People

Here at BGES Group, we specialize in insurance for contractors. From workers’ comp to general liability to tools and equipment coverage, we’ve got your back so you can get the job done.

But beyond the policies and the paperwork, we try to make people smile every single day. Life’s too short to be serious all the time, and let’s be honest — no one tells better job site stories than contractors.

That’s why, whether it’s offering solid insurance advice or cracking a joke about that guy who thought he could hang drywall without a level, we believe in giving back to our clients and our community. We genuinely love what we do and the people we serve.

Happy Father’s Day to all the hardworking contractor dads out there — whether you’re building skyscrapers, remodeling kitchens, or fixing leaky sinks at home, you’re the backbone of your family and this country.

If you need insurance coverage or just want to swap stories about job site mishaps and duct tape miracles, give us a call. We’re always happy to help.

⸻

Contact BGES Group

📞 Gary Wallach, Principal

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Follow us on social media for daily contractor humor, safety tips, and insurance updates.

Happy Father’s Day — from our family to yours!

In the bustling, highly regulated world of New York construction, it’s not enough for artisan contractors — whether they’re plumbers, electricians, masons, drywall installers, or carpenters — to simply have insurance. The type of insurance policy, the way it’s written, and the limits it carries are all under close scrutiny by municipalities across New York State. Too often, contractors find themselves rejected from jobs or denied permits because their liability policy doesn’t meet the specific, stringent requirements enforced by local governments.

In this article, we’ll unpack why municipalities reject certain artisan contractors’ liability policies, what contractors should look for to stay compliant, and how working with a specialist can make all the difference.

⸻

Understanding the Problem: Not All Policies Are Created Equal

Many artisan contractors assume that any general liability policy will suffice for municipal jobs or projects requiring permits. Unfortunately, this is a costly misconception. New York municipalities typically require very specific insurance language, coverages, and endorsements to protect themselves and the public from financial loss in the event of an accident, injury, or property damage on a job site.

Here’s where the disconnect happens:

• Cheap, off-the-shelf policies often exclude key coverages.

• Certain insurance carriers issue policies without the proper endorsements municipalities demand.

• Some policies have unacceptable limitations, like subcontractor exclusions or specific work restrictions.

• Inadequate policy limits that fall below municipal standards.

When a municipality reviews a Certificate of Insurance (COI) or requests a full policy, these deficiencies quickly come to light, resulting in a rejection of the contractor’s insurance and often halting work before it can even begin.

⸻

Common Reasons for Municipal Policy Rejections

Let’s dive into some of the most frequent reasons New York municipalities reject artisan contractors’ liability insurance policies:

1. Lack of Proper Additional Insured Endorsements

Municipalities routinely require to be named as an Additional Insured on a contractor’s policy for both ongoing and completed operations. If your policy doesn’t have the correct ISO forms (like CG 2010 04/13 and CG 2037 04/13 or their equivalents), your COI will be denied.

Many lower-cost policies will either exclude Additional Insured coverage or provide it in a restrictive form that only covers certain types of claims — a dealbreaker for New York municipalities.

⸻

2. Inadequate Policy Limits

Most artisan contractors purchase liability policies with limits of $1 million per occurrence and $2 million aggregate, thinking it’s sufficient. However, for municipal work, higher limits are often required — sometimes $5 million or more — either on the base policy or through an Excess (Umbrella) policy.

If your limits don’t meet the specifications in the municipal contract or permit application, your insurance will be rejected on the spot.

⸻

3. Subcontractor Exclusions

Many artisan contractors hire subcontractors for portions of their work, whether it’s electrical, HVAC, or framing. Some general liability policies contain a Subcontractor Warranty or Exclusion, which states that any work performed by a subcontractor is not covered unless that subcontractor meets strict insurance requirements.

Municipalities frown on policies with these exclusions because it increases their exposure in the event of an incident. If your policy includes these, expect a red flag during any insurance review.

⸻

4. Lack of a Waiver of Subrogation

A Waiver of Subrogation prevents your insurance carrier from seeking reimbursement from the municipality in case of a claim. New York municipalities commonly require this to avoid becoming a financial target in the event of an accident. If your policy lacks this waiver, your insurance won’t be accepted.

⸻

5. Poor Carrier Ratings

New York municipalities typically require insurance to be placed with a carrier that has an A- or better financial strength rating from A.M. Best. Policies from unrated or poorly rated carriers — often offered at a lower premium — are automatically rejected to protect the municipality from dealing with an insolvent insurer in the event of a claim.

⸻

6. Inappropriate Classifications or Business Descriptions

If your liability policy’s classification doesn’t accurately reflect the type of work you perform, it can cause major problems. Municipalities cross-reference the COI and policy with the type of permit or contract issued. A mismatch can lead to an outright rejection.

⸻

The Cost of Non-Compliance

Failing to meet municipal insurance requirements can lead to:

• Job delays or cancellations

• Permit denials

• Inability to bid public projects

• Fines and penalties

• Potential legal liability if an incident occurs while uninsured

It’s a frustrating and expensive problem for contractors — especially those who unknowingly purchased inadequate insurance from agencies unfamiliar with New York construction regulations.

⸻

How BGES Group Solves the Problem for New York Contractors

At BGES Group, we specialize in construction insurance for artisan contractors across the Tri-State area (New York, New Jersey, and Connecticut). We understand the intricacies of New York municipal insurance requirements because we work with them every day.

Our team ensures your insurance program is properly structured from day one, with:

✅ Correct Additional Insured endorsements

✅ Proper policy limits and Excess Liability options

✅ No subcontractor exclusions (or properly structured subcontractor agreements if applicable)

✅ Waivers of Subrogation

✅ A-rated or better carriers

✅ Accurate class codes and business descriptions

We’ll review your existing policies for free, identify problem areas, and offer solutions tailored to your specific trade, contract requirements, and budget.

If you’re an artisan contractor tired of getting your insurance rejected — or worried it might happen — we’re your go-to resource.

⸻

Contact BGES Group Today

Stop wasting time and money on insurance that doesn’t work for New York municipalities. Let the specialists handle it.

Contact Gary Wallach at BGES Group:

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

We’re not just insurance brokers — we’re construction insurance problem-solvers. Let’s protect your business and keep your projects moving forward.