If you’re a New York contractor, you’ve likely seen general liability and umbrella insurance rates climb in recent years. Between rising claims, nuclear verdicts, Labor Law exposure, and a tightening market, the financial pressure is real.

But here’s the good news: you’re not powerless.

There are proactive steps you can take to protect your business, improve your insurability, and fight back against painful premium hikes.

Here are 10 smart moves to make right now:

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1️⃣ Work with a Specialist Broker (Not a Generalist)

General brokers don’t cut it in New York construction. You need a partner who understands:

• Labor Law 240/241 liability
• How to market your risk
• How to negotiate exclusions & terms

👉 Choose a broker who lives and breathes NY construction insurance.

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2️⃣ Do an Annual Coverage & Claims Review

Before renewal:

• Review every policy and endorsement
• Analyze your loss runs
• Address recurring claim patterns

✅ Knowledge is power — and can save you thousands.

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3️⃣ Implement a Written Safety Program

Carriers reward contractors with formal safety protocols, including:

• Fall protection
• Site safety meetings
• Equipment inspections
• Incident reporting

📉 Safety = lower risk = lower premiums.

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4️⃣ Control Subcontractors & COIs

Uninsured or underinsured subs = disaster.
Always:

• Collect up-to-date Certificates of Insurance
• Require additional insured status
• Verify GL and excess limits

🔒 Build a strict prequalification system.

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5️⃣ Manage Labor Law (240/241) Exposure Aggressively

This is the biggest threat to NY contractors.
Tips:

• Train supervisors on fall protection
• Avoid owners who won’t indemnify you
• Push labor law risk to subcontractors (via contract)

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6️⃣ Track Payroll by Trade & Job Type

Premiums are based on payroll classification.

• Be accurate
• Track daily tasks
• Avoid sloppy records — they cost you in audits and rates

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7️⃣ Start the Renewal Process Early

Waiting until the last minute = fewer options.
Strategic marketing can mean:

• A 5% increase
  vs.
• A 25% hike

⏳ Start early. Let your broker shop the market properly.

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8️⃣ Have a Claims Management Plan

It’s not just the number of claims — it’s how you handle them.
Build a plan for:

• Prompt reporting
• Strong documentation
• Return-to-work programs

📉 Lower reserves = better renewal outcomes.

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9️⃣ Consider Deductibles & SIRs

If financially stable, you can:

• Raise deductibles
• Accept a self-insured retention (SIR)

💡 Talk to your broker. The savings can be worth it — if structured right.

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🔟 Work with Brokers Who Access Exclusive Programs

Some brokers (like BGES Group) have access to:

• Construction captives
• Specialty carriers
• Exclusive markets other brokers can’t reach

🎯 That means better pricing, better terms, and broader coverage.

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Who Is BGES Group — And How Can We Help?

We specialize in New York contractor insurance. It’s all we do.
We know:

• Labor Law liability inside and out
• The underwriters who matter
• How to position your business for better deals

Why Contractors Work With Us:

✅ Free policy & claims audits
✅ Access to exclusive contractor programs
✅ Safety & risk management support
✅ National and specialty market access
✅ Fast, personal service — no call centers

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📞 Let’s Talk Before Your Next Renewal

If you’ve been hit with:

• Rising rates
• Restrictive terms
• Last-minute surprises

…it’s time to make a change.

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

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Protect your business. Lower your costs. Partner with a broker who fights for New York contractors.

Ah, July 4th — the one time of year when it’s perfectly acceptable to eat your bodyweight in burgers, drink like you’re 22 again, and light things on fire in the name of freedom.

Contractors know how to do this holiday right: racing to finish jobs, making last-minute supply runs, and promising your spouse this time you won’t come home sunburned.

Then the weekend hits — a blur of road trips, BBQs, fireworks, cold drinks, and regret. Let’s not forget America’s greatest sport: Joey Chestnut eating 70 hot dogs in under 10 minutes. If that doesn’t inspire some overindulgence, nothing will.

Now it’s the day after. Your back hurts, your stomach’s rebelling, your phone’s blowing up with clients, and you vaguely remember losing a cornhole tournament to your brother-in-law. Welcome to the contractor’s post–holiday reality.

The good news? You’re not alone. The better news? Here’s your survival guide to getting back on the job site like a pro:

Step 1: Hydrate Like It’s Your Job If you drank more beers than waters, congrats — you’re dehydrated. Start your comeback with a big bottle of water (bonus points for electrolytes or lemon + sea salt). Think of your body as a sunbaked piece of drywall. Time to rehydrate.

Step 2: Eat Like a Grown-Up (At Least for Today) Nobody’s judging the 7 hot dogs you crushed on Thursday. But skip the greasy breakfast sandwich — go for fruit, oatmeal, or eggs. One decent meal can power you through a rough Monday delivery or rooftop install.

Step 3: Stretch It Out After a weekend of beach chairs and hammock naps, your joints are one wrong move from mutiny. Five minutes of stretching goes a long way — touch your toes, roll your shoulders, do some lunges. Your back will thank you.

Step 4: Triage the Phone Chaos Voicemail full? Texts piling up? Prioritize:

1. Emergency site issues
2. Job scheduling
3. Tire-kickers & quote requests

Don’t try to solve everything before lunch — handle what matters, delegate the rest.

Step 5: Clean Out the Truck There’s probably a Doritos bag, firework shell, and maybe a rogue six-pack in your cab. Clean it out, restock, and start fresh. Nothing beats a clean truck to make you feel like you’ve got it together.

Step 6: Don’t Overcommit Clients are eager, but pace yourself. Better to finish 3 jobs well than leave 5 half-done and deal with angry calls by Friday.

Step 7: One Word — Nap If you can swing a 15-minute power nap during lunch, do it. You’ll reset your brain, ease that stiff neck, and survive the safety meeting without zoning out.

Step 8: Laugh About It The sunburn will fade. The memories (and embarrassing stories) will last. Trade weekend war stories with the crew — it lightens the load and makes the week ahead a little more bearable.

And When It Comes to Protecting Your Business — Call BGES Group

At BGES Group, we don’t just insure contractors — we get contractors.

For over 35 years, we’ve protected tradesmen across New York and the Tri-State area. Whether you’re framing homes in Westchester, climbing rooftops in Jersey, or pouring foundations on Long Island — we’ve got the coverage you need.

We specialize in:

• General Liability
• Umbrella Liability
• Workers’ Compensation
• Builders Risk
• Custom Construction Insurance Programs

We know your risks because we work with contractors like you every day. While we can’t promise your back won’t hurt after the next long weekend, we can make sure you’re covered when it matters.

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📞 Gary Wallach 📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Serving NY, NJ, and CT — and nationwide through our associate partners.

Work hard. Play hard. Insure smart. Call BGES Group.

In the highly competitive, high-risk world of New York construction, the right insurance broker isn’t just helpful — it’s critical to your business survival. In recent years, more and more New York contractors have made a decisive move: leaving their long-time insurance brokers and partnering with BGES Group for their General Liability, Umbrella Liability, and Workers’ Compensation coverages.

Why the shift? Simple — BGES Group delivers what other brokers don’t: deep industry expertise, strategic market access, better pricing, hands-on advocacy, and the kind of service contractors thought no longer existed.

Here are 10 reasons why New York contractors are leaving their brokers behind and making the switch to BGES Group:

⸻

1️⃣ Industry Specialization: Construction Is What We Do

Most brokers are generalists — writing policies for restaurants one minute and manufacturers the next. At BGES Group, our entire focus is on the construction industry. We live and breathe New York’s complex labor law environment, scaffold law exposures, and tough-to-place risks. That means your coverage is built by people who understand your business inside and out.

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2️⃣ Access to Unique Markets and Specialty Programs

Many brokers are limited in who they can access for coverage quotes. BGES Group has long-standing relationships with top national, regional, and specialty insurers who understand New York contractor risks — and we often gain access to programs other brokers can’t touch. Better options = better pricing and better coverage.

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3️⃣ Significant Premium Savings

On average, contractors moving to BGES Group save between 10% to 30% on their insurance premiums without sacrificing coverage. We know how to properly structure accounts, identify unnecessary coverages, negotiate rates, and eliminate waste. In today’s economy, every dollar matters — and we help you keep more of them.

4️⃣ Rapid Response & Personal Service

Contractors often complain about brokers who take days to return calls or emails. That doesn’t happen with BGES Group. When you work with us, you get direct access to our team — no phone trees, no waiting. Need a certificate of insurance? Help with a claim? A job site insurance audit issue? You get immediate, personal assistance.

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5️⃣ Proven Claims Advocacy

Insurance is only as good as what happens when you have a claim. At BGES Group, we actively manage claims on behalf of our clients. We fight for fair settlements, push back against unjust denials, and work to minimize your experience mod and liability exposure. Contractors switching to us consistently say it’s a night-and-day difference from what they had before.

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6️⃣ Expertise with NY Labor Laws (Sections 240, 241)

New York’s labor laws are among the strictest and most contractor-unfriendly in the country. Many brokers don’t fully understand how these laws affect coverage and claims handling. BGES Group specializes in insuring contractors operating under these tough statutes — structuring programs designed to minimize your exposure and protect your business.

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7️⃣ No-Nonsense Advice & Risk Management Support

Contractors appreciate our straight-talk, no-fluff approach. We tell you exactly where you’re exposed, what you need to fix it, and how to reduce risk. From contract reviews to jobsite audits to safety program guidance, we work as your strategic risk management partner — not just another vendor collecting commissions.

8️⃣ Customized Insurance Programs Tailored to Your Business

We understand no two contractors are the same. That’s why BGES Group creates customized insurance programs based on your operation’s size, trade, job types, and future plans. Whether you’re a GC, subcontractor, demolition company, or roofing firm — we know how to build the right protection for you.

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9️⃣ Help With Compliance, Audits, and Certificates

From DOB requirements to project-specific insurance obligations, construction companies navigate a maze of compliance issues daily. BGES Group assists clients with everything from OCIP/CCIP enrollments to payroll audits to quick-turn COIs — making life easier and letting you focus on building, not paperwork.

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🔟 Reputation and Trust Built on 44+ Years of Service

For over four decades, BGES Group has built its reputation one contractor at a time. We’re known for our integrity, responsiveness, and relentless commitment to protecting our clients’ businesses. Most of our new business comes from referrals — a testament to the trust we’ve earned in the New York construction community.

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About BGES Group

BGES Group is one of New York’s leading specialty insurance brokers exclusively serving contractors, developers, and construction professionals. We offer customized insurance solutions, risk management services, claims advocacy, and strategic consulting for businesses operating in one of the most demanding insurance markets in the country.

We help clients secure:

• General Liability Insurance

• Umbrella & Excess Liability Insurance

• Workers’ Compensation Programs

• Builders Risk & Inland Marine Coverage

• Contractor’s Equipment Coverage

• OCIP/CCIP Enrollment Assistance

• Labor Law Defense & Risk Management Support

Whether you’re a two-crew masonry outfit or a multi-division general contractor running $50M+ projects, BGES Group can help structure a program that protects your business, keeps you competitive, and improves your bottom line.

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How We Help Contractors

Our mission is to give contractors the peace of mind that their insurance program is comprehensive, competitively priced, and expertly managed. We do this by:

✅ Conducting detailed coverage reviews to identify gaps and overcharges

✅ Shopping accounts to our network of top insurers and specialty programs

✅ Building tailored insurance and risk management strategies for each client

✅ Delivering immediate, personal support for certificates, audits, and claims

✅ Providing expert guidance on New York labor law exposures and claims handling

✅ Advocating fiercely on your behalf when claims happen

Simply put — we treat your business like it’s our own.

⸻

Contact BGES Group Today

If you’re a New York contractor tired of getting the same old treatment from your broker — or if you simply want to see how much better your insurance program could be — reach out to us today.

📞 Gary Wallach

📱 (914) 806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Let’s review your current program, see where you stand, and show you how we can help. No pressure, no obligation — just honest advice from a team that truly cares about protecting your business.

BGES Group is one of the Tri-State area’s top Workers’ Compensation Insurance Specialists—and we’re here to make your life easier. We offer up to 15 different policy options tailored specifically for contractors, and what truly sets us apart is our exceptional service.

We answer the phone when you call. You’ll deal with the same dedicated representative for years, and we handle urgent issues in minutes—not hours or days. Whether you need a C105.2 form ASAP for the DOB or a last-minute certificate, we’re on it—seven days a week.

We’re easy to talk to, quick to respond, and never charge outrageous service or policy fees. Our goal is simple: to make your life easier—not harder.

📞 Call Gary Wallach at (914) 806-5853 today!

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Common Workers’ Comp Issues We Solve:

• Tired of invasive annual audits? We offer policies that help minimize audit headaches.
• Is your Experience Modification Rate (EMR) driving up your costs? We have solutions.
• Canceled or non-renewed due to losses or underwriting changes? We’ve got your back.
• Are your payrolls misclassified or not reviewed properly? We’ll fix it.
• Frustrated with poor agent or carrier service? Expect better.
• Waiting hours—or days—for certificates? We deliver them fast.
• Sick of paying 10% service fees or $500–$5,000 policy fees? Not with us.

Whatever your issue, we can help.

📞 Call Gary Wallach at (914) 806-5853, email us, or visit our website.

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Why Contractors and Business Owners Choose BGES Group

We’re based in Larchmont, NY, and represent 50+ top insurance companies, offering:

• General & Umbrella Liability
• Workers’ Compensation
• NYS Disability
• Property & Builders Risk
• Auto, Inland Marine
• Bid & Performance Bonds
• Group Health & More

Plus, we specialize in helping contractors, auto services, logistics firms, limousine companies, manufacturers, recyclers, and truckers—especially in New York. Many of our clients benefit from access to exclusive, long-term stable programs that reduce audit stress and improve pricing, especially for multi-state operations.

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We Also Cover Your Personal Insurance Needs

From home, auto, and boat to life, health, jewelry, and long-term care, we can review your entire personal insurance portfolio and identify where you can save or improve coverage. When was your last full insurance check-up?

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Don’t Just Take Our Word for It…

We know emails and ads aren’t always enough to earn your trust. That’s why we encourage you to check out our 5-star Google Reviews and hear directly from clients we’ve helped.

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Contact Us Today!

📞 Gary Wallach: (914) 806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com
📍 BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

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Let us help you save money, reduce stress, and get the coverage you deserve—with personal service you won’t find anywhere else.

If you’re a New York contractor relying on surplus lines for your Commercial General Liability (CGL) insurance, beware: these policies often contain serious limitations that can leave you dangerously exposed when claims arise.

Here are 10 of the most frequent and costly pitfalls we see:

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1️⃣ Labor Law 240/241 Exclusions
Also known as the Scaffold Law, these are among the most expensive claims in NY construction. Many surplus lines policies exclude or heavily limit this coverage—putting contractors at major financial risk.

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2️⃣ Action-Over Exclusions
If an injured employee sues a property owner or GC, and that party turns around and sues the contractor, coverage is often denied under these exclusions—leaving contractors to cover huge legal bills.

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3️⃣ Height & Depth Work Restrictions
Coverage may not apply to:

• Work above a certain height (e.g., 3 stories / 20 feet)
• Work below a specific depth (e.g., 5–10 feet)
  Ignoring these can result in denied claims.

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4️⃣ Subcontractor Warranty Endorsements
Many policies require:

• Proof of insurance from all subs
• Specific limits, AI status, Waiver of Subrogation
  Failure to comply = no coverage for sub-related claims.

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5️⃣ Designated Operations Only
Coverage is often limited to specifically listed work. Any operations outside of that = no coverage.

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6️⃣ Completed Operations Limitations
Some policies limit or exclude claims after a project is done—critical exposure given the long-tail nature of construction liability.

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7️⃣ Limited Additional Insured Coverage
Many AI endorsements only apply:

• During ongoing operations
• Not to the AI’s sole negligence
  This can jeopardize contract compliance with GCs and owners.

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8️⃣ High Deductibles / SIRs
Expect deductibles or self-insured retentions of $10K–$50K per occurrence. That’s out-of-pocket before the insurer even gets involved.

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9️⃣ Poor Claims Handling
Claims are often managed by TPAs unfamiliar with NY labor laws—leading to delays, denials, and expensive mismanagement.

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🔟 Policy Endorsements That Limit Coverage
Policies typically contain numerous subtle endorsements that restrict coverage. Many contractors only find out after a claim—when it’s too late.

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✅ How BGES Group Protects NY Contractors

We help you stay protected by:

✔️ Reviewing your current policies for dangerous exclusions
✔️ Securing proper Labor Law 240/241 & action-over coverage
✔️ Providing full completed ops & AI protection
✔️ Offering policies with fewer height, depth, and subcontractor restrictions
✔️ Working only with A-rated carriers who understand NY construction
✔️ Ensuring claims are handled by pros familiar with NY labor law

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📞 Let’s Talk:

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

🛡️ Your trusted insurance partner for New York contractors.

When you run a contracting business in New York, New Jersey, or Connecticut, one of your biggest headaches is workers’ compensation insurance. Between skyrocketing premiums, unpredictable audits, limited market options, and claims that never seem to go away, many contractors feel trapped. But what if there was a better option — one designed specifically for contractors like you?

For years, Tri-State contractors have been stuck with standard market policies that offer little flexibility and even less long-term value. Today, smart business owners are turning to specialty workers’ compensation programs built to support their unique risks and payroll challenges. These programs offer customized solutions that help control costs, improve cash flow, and give owners peace of mind knowing their coverage is truly working for them — not the other way around.

If you own a construction, electrical, HVAC, carpentry, drywall, painting, roofing, or other contracting business in New York, New Jersey, or Connecticut, it’s time to understand what these programs offer — and how they might be a better fit for your business.

⸻

10 Benefits of a Specialty Workers’ Compensation Program for Contractors

1. Flexible Payment Options

Forget hefty upfront deposits and unpredictable audit bills. These programs offer pay-as-you-go options or low initial deposits based on estimated payroll, helping contractors manage cash flow and keep their money working in their business.

2. Coverage for Higher-Risk Class Codes

Standard carriers often shy away from insuring certain trades or charge astronomical rates. Specialty programs embrace the construction industry’s unique exposures, providing affordable solutions for higher-risk operations like roofing, scaffolding, demolition, and steel erection.

3. Dedicated Claims Management

When a worker gets hurt, you need swift, effective claims handling. These programs provide contractor-specific claims teams who understand job site injuries and work to resolve claims efficiently while protecting your experience modification rating.

4. Loss Control & Safety Resources

Prevention is just as important as protection. These programs typically include tailored safety consulting, site visits, and training resources designed to help reduce claims frequency and severity — something most off-the-shelf policies lack.

5. Better Control Over Experience Mods

Every contractor knows how painful a bad experience modification factor (MOD) can be. Specialty programs actively manage claims, often catching and correcting reserve problems or re-opening closed claims if necessary to improve your MOD and reduce your premiums.

6. Multi-State Coverage Options

If you work jobs in New York, New Jersey, and Connecticut, managing multiple policies can be a nightmare. These programs consolidate coverage under one policy, simplifying your insurance and saving you time and frustration.

7. Transparent, Predictable Pricing

No more games at audit time. Specialty programs typically offer clear pricing structures and proactive payroll reporting to avoid surprises and disputes down the road.

8. Dedicated Underwriting Teams

Unlike standard carriers, specialty program underwriters work exclusively with contractors. They understand your trade, seasonality, contract requirements, and payroll fluctuations — and they build a policy around your business realities.

9. No Minimum Premiums

Many small and mid-sized contractors get penalized by high minimum premiums in the standard market. Specialty programs offer options for growing firms and established companies alike, providing coverage without unnecessary financial strain.

10. Access to Competitive Rates

Because these programs are built for contractors, they can often offer more competitive rates and favorable terms than standard carriers — especially for companies with solid safety records and responsible management.

Why Contractors Are Making the Switch

If you’ve experienced any of the following, a specialty workers’ comp program might be exactly what your business needs:

• Annual audits resulting in unexpected bills

• Difficulty securing coverage for your trade

• Poor claims service and inflated reserves

• A rising experience modification factor

• Trouble placing coverage in New York City, Long Island, or North Jersey

• Multi-state operation headaches

• Frustration with deposits, premiums, and confusing policy language

These programs are designed to help you stop reacting to problems and start proactively managing your coverage, payroll, and risk.

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BGES Group: Your Tri-State Contractor Insurance Specialist

At BGES Group, we’ve spent decades helping contractors like you protect their businesses, control their insurance costs, and navigate the complexities of workers’ compensation coverage in New York, New Jersey, and Connecticut.

We’re not your average insurance agency. We work exclusively with contractors and focus on high-risk industries, including construction, HVAC, electrical, roofing, scaffolding, demolition, and more. We have access to exclusive programs and markets unavailable to most brokers — and we know how to leverage them to your advantage.

Our team understands the pain points Tri-State contractors face, from Labor Law exposure in New York to strict payroll verification requirements in New Jersey and coverage limitations in Connecticut. We listen to your business concerns, review your current coverage, and recommend practical, cost-effective options to help you work safer and more profitably.

Whether your business has one employee or one hundred, operates in one state or several, or specializes in residential, commercial, or municipal projects — we have a solution for you.

⸻

How BGES Group Can Help

• Access to Exclusive Workers’ Comp Programs for Contractors

• Assistance with Experience Mod Review and Claims Analysis

• Audit Preparation and Support

• Job Site Certificate Management and Compliance Assistance

• Annual Risk Management Review Meetings

• Support for Payroll Fluctuations and Seasonal Staffing

We make it our business to simplify yours.

⸻

Contact BGES Group Today

Ready to learn more about how a specialty workers’ compensation program can protect your business and improve your bottom line? Give us a call today for a free, no-obligation consultation.

📞 Gary Wallach

BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

Stop overpaying and start protecting your business the smart way. Let’s get to work.

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.