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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

If you’re a contractor working in the Tri-State area — New York, New Jersey, or Connecticut — chances are you’ll eventually get a visit from a loss control representative. Especially if you’ve just placed new insurance coverage, insurance carriers want to understand the risks they’re taking on, and these on-site evaluations are how they do it.

For contractors, a visit from a loss control rep isn’t something to dread — it’s a valuable opportunity to showcase your commitment to safety, demonstrate your operational controls, and in some cases, improve your chances for better insurance pricing and terms down the road.

But what exactly does a loss control representative do? What questions do they ask? What are they looking for when they visit your job site? In this article, we’ll walk you through what to expect, what you should prepare, and how working with the right insurance broker, like BGES Group, can make these visits much smoother for your business.

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What Is a Loss Control Representative?

A loss control representative (sometimes called a risk control consultant) works on behalf of insurance companies to evaluate risks associated with their insured clients. In the case of contractors, this means visiting active job sites, reviewing safety protocols, and identifying potential hazards that could lead to claims.

Their job is to help both the insurance company and the contractor reduce risk exposures. By identifying unsafe practices or areas needing improvement, loss control reps help contractors minimize accidents and losses — which in turn benefits both parties.

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What Questions Will a Loss Control Rep Ask?

When a loss control representative visits your job site, expect them to ask a series of detailed questions covering your business operations, safety programs, and job site conditions. Here are some common areas they’ll focus on:

• Business Overview

• What type of construction work do you perform?

• How many employees do you have?

• How long have you been in business?

• Who are your major clients or general contractors?

• Employee Safety Programs

• Do you have a written safety manual?

• How often do you conduct safety meetings or toolbox talks?

• Are supervisors trained in accident prevention?

• Do you have a formal accident investigation procedure?

• How do you handle new employee safety orientation?

• Job Site Controls

• Are personal protective equipment (PPE) requirements enforced?

• Are fall protection systems in place where needed?

• How are scaffolding and ladders maintained and inspected?

• Are electrical cords and temporary wiring safely managed?

• Are material storage areas organized and free of hazards?

• Subcontractor Management

• Do you verify that subcontractors carry appropriate insurance?

• Are subcontractors required to follow your site safety rules?

• Are subcontractors trained in hazard communication?

• Accident History

• Have there been any claims or incidents in the past 3-5 years?

• What steps have been taken to prevent recurrence?

• How are near misses reported and handled?

• Equipment and Vehicle Safety

• Are company vehicles regularly inspected and maintained?

• Are drivers screened and trained?

• How is equipment secured on-site?

These questions help the loss control rep form a complete picture of your operation and risk profile.

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What Do They Look for on a Job Site?

Beyond paperwork and policies, a loss control representative will carefully inspect the physical job site. Their checklist often includes:

• Site Housekeeping: Clean, organized work areas free of tripping hazards and debris.

• Fall Protection: Proper guardrails, safety harnesses, and fall arrest systems in use where required.

• PPE Compliance: Workers wearing hard hats, safety glasses, gloves, high-visibility vests, and steel-toed boots as appropriate.

• Ladder and Scaffold Safety: Secure, properly erected, and well-maintained equipment.

• Material Storage: Neat, properly stacked materials stored away from walkways and exits.

• Temporary Power Safety: Cords properly secured and grounded, GFCI outlets in use.

• Hazard Communication: MSDS sheets accessible and hazardous materials properly labeled.

• Emergency Procedures: First aid kits on-site and clear emergency exit paths.

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Why Loss Control Visits Matter

Loss control visits aren’t just a formality. A clean report from a loss control rep can help:

• Maintain your eligibility for insurance coverage

• Avoid mid-term policy cancellations or premium increases

• Secure favorable renewal terms and lower premiums

• Protect your workers and reduce claims frequency

• Build your reputation as a safe, reliable contractor in the marketplace

Insurance carriers appreciate working with contractors who prioritize safety and risk management. In some cases, if deficiencies are found, the carrier may provide time to correct them before taking further action.

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How BGES Group Helps Contractors Prepare

At BGES Group, we specialize in construction insurance for contractors throughout the Tri-State area. One of the many ways we serve our clients is by helping them prepare for these important loss control visits.

We work closely with our clients to review their safety programs, job site procedures, and insurance requirements. If a loss control visit is scheduled, we’ll coach you on what to expect, what documents to have ready, and what improvements might be needed ahead of time.

And if a report comes back with recommendations, we’re here to help you address those issues quickly and efficiently — protecting your business, your workers, and your insurance program.

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About BGES Group

BGES Group is a leading construction insurance brokerage firm based in the Tri-State area. For decades, we’ve been helping contractors obtain affordable, comprehensive insurance coverage tailored to their unique risks.

Our expertise includes:

• General Liability Insurance

• Workers’ Compensation

• Commercial Auto

• Inland Marine

• Excess Liability

• Builders Risk

• Subcontractor Management Support

• Loss Control Consultation

We understand the challenges contractors face, from high insurance costs to managing safety compliance. That’s why we deliver hands-on, proactive service to keep your business protected and competitive.

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Contact BGES Group Today

If you’re a contractor in New York, New Jersey, or Connecticut, and you need expert guidance on your insurance and risk management program, call the professionals at BGES Group.

📞 Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Whether you’re placing new coverage, preparing for a loss control visit, or shopping for a better insurance program, BGES Group is your trusted partner in construction insurance.

In today’s competitive New York construction market, subcontractors face more insurance requirements than ever before. Whether you’re a drywall installer, electrician, plumber, or general labor crew, working on projects with reputable general contractors and property owners means your insurance policies must meet strict coverage standards. Failing to comply could mean losing out on lucrative contracts or being removed from job sites.

In this article, we’ll break down the essential insurance coverages and limits that New York subcontractors should have, explain why they matter, and show how BGES Group is helping contractors across the Tri-State area secure the protection they need to grow their businesses.

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📋 The Critical Insurance Coverages and Limits Every New York Subcontractor Needs

When a general contractor sends you their insurance requirements, it can feel like reading a foreign language. But underneath the legal wording, there are clear, essential coverages they expect you to carry. Here’s a breakdown of the must-haves:

1️⃣ Commercial General Liability (CGL) Insurance

This is the foundation of your insurance program. It protects your business against third-party claims of bodily injury, property damage, and personal injury arising from your operations.

Typical Requirement:

• $1,000,000 per occurrence

• $2,000,000 general aggregate

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2️⃣ Excess or Umbrella Liability Insurance

Since the risks on New York construction sites are high, especially with Labor Law 240 and 241 claims (commonly known as “Scaffold Law”), general contractors require subcontractors to carry significant excess liability.

Typical Requirement:

• $5,000,000 per occurrence

This coverage sits above your CGL, Auto, and Employers Liability limits and provides added protection for large claims.

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3️⃣ Additional Insured Endorsement

Most general contractors require they, along with the project owner and any upstream parties, be listed as Additional Insureds on your CGL, Excess, and Products & Completed Operations policies.

This ensures that if a claim arises from your work, your policy will defend and indemnify them as well.

What to Confirm:

• Blanket Additional Insured endorsement in place

• Coverage applies to ongoing and completed operations

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4️⃣ Waiver of Subrogation

A Waiver of Subrogation prevents your insurance company from going after the general contractor or property owner for reimbursement after a claim payout.

What to Confirm:

• Blanket Waiver of Subrogation on both CGL and Excess policies

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5️⃣ Primary and Non-Contributory Wording

Your insurance policies must respond before any other insurance carried by the general contractor or owner. This is achieved by including Primary and Non-Contributory language in your policies.

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6️⃣ Labor Law / Action Over Coverage

New York’s infamous Labor Law 240 and 241 makes owners and general contractors absolutely liable for certain injuries sustained by workers on job sites. Many policies exclude coverage for employee injury claims involving third parties (known as “Action Over” claims).

What to Confirm:

• No employee injury exclusion

• Labor Law coverage included

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7️⃣ Contractual Liability Coverage

This covers the liability you assume in contracts — like your agreement to indemnify and hold harmless the general contractor and property owner.

What to Confirm:

• Contractual Liability coverage is included in your CGL

• Provide the policy page confirming it

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8️⃣ Insurance and Hold Harmless Agreement

You must have a written, signed agreement with the general contractor that clearly spells out your insurance responsibilities and hold harmless obligations.

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9️⃣ Products and Completed Operations Coverage

After a project wraps, your liability exposure doesn’t end. Most general contractors require that their Additional Insured status extends to your Products & Completed Operations coverage.

What to Confirm:

• All upstream parties listed as Additional Insureds on Completed Operations coverage

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🔟 New York Workers’ Compensation Insurance

New York law requires all contractors to carry Workers’ Compensation coverage for their employees — and most GCs insist on reviewing your policy to confirm it covers New York operations.

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🔧 How BGES Group is Helping New York Subcontractors Stay Compliant and Competitive

Navigating these insurance requirements can be overwhelming, but this is where BGES Group steps in. For over 44 years, BGES Group has specialized in working with New York contractors to secure the right insurance programs to keep them compliant, protected, and competitive.

They understand the fast-paced, high-risk environment of New York construction. That’s why BGES Group offers:

✅ Quick, accurate certificates to get you on job sites faster

✅ Liability policies that meet or exceed GC and owner requirements

✅ Labor Law / Action Over coverage options without employee injury exclusions

✅ Access to programs with Primary & Non-Contributory and Waiver of Subrogation endorsements

✅ New York Workers’ Comp policies, including access to special Safety Group Plans for those who qualify

Whether you’re looking to replace your current policy, need help understanding insurance requirements, or want to gain access to better coverage options and pricing — BGES Group is ready to help.

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📞 Contact BGES Group Today

If you’re a New York subcontractor looking for better coverage, lower rates, and faster, friendlier service — call Gary Wallach at BGES Group today.

Contact Info:

📱 914-806-5853 – Gary Wallach

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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Final Thought

Don’t let insurance requirements hold you back from landing bigger, better projects. With the right coverage in place — and a partner like BGES Group in your corner — you can bid jobs with confidence, knowing you’re protected and compliant.

Let BGES Group take the headaches out of insurance, so you can focus on what you do best: building New York.

When contractors are looking for new workers’ compensation insurance, it’s easy to assume all policies are the same. But there’s a big difference between getting your coverage through a regular insurance company and relying on a state plan. If you’re a contractor in New York, New Jersey, or Connecticut — the Tri-State area — understanding these differences is essential to protecting your business, your workers, and your bottom line.

Let’s break it down.

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10 Differences Between Regular Workers’ Compensation Policies and State Plans

1. Price Flexibility

Regular insurance companies often offer more flexible pricing structures. They can customize rates based on your company’s claims history, safety practices, payroll, and trade classifications. State plans typically have set rates based on filed rates, which can be a good option for businesses needing guaranteed access to coverage, but contractors looking for new workers’ compensation insurance may find better pricing options through private carriers.

2. Coverage Enhancements

Private insurers frequently offer optional coverage enhancements like stop-gap coverage, USL&H (for maritime-related work), or voluntary compensation for uninsured individuals. State plans generally focus on providing statutory workers’ compensation benefits, without optional endorsements.

3. Service & Claims Handling

Private insurance carriers often deliver fast, efficient claims services with dedicated adjusters and construction-focused programs. State plans provide reliable claims services as well, but some contractors may prefer the personalized attention and quicker turnaround times often associated with private carriers.

4. Loss Control Services

Most private insurance companies provide value-added safety services, such as job site inspections, safety manuals, and OSHA compliance guidance. State plans may offer online resources and safety materials, but contractors often appreciate the hands-on services offered by regular insurers — a big help when managing job site risks.

5. Audit Process

Both private insurers and state plans conduct annual premium audits to reconcile estimated and actual payrolls. Private insurers that specialize in construction accounts typically have underwriters and auditors well-versed in trade classifications and contractor operations. This can lead to smoother audits and clear explanations for adjustments.

6. Assigned Risk Pool Participation

In cases where a contractor has difficulty obtaining coverage in the voluntary market, state plans ensure that employers can still access workers’ compensation insurance. While these plans serve an important role in the market, when contractors are looking for new workers’ compensation insurance, many seek to transition into competitively priced, voluntary programs with private carriers offering broader options and additional services.

7. Premium Payment Options

Private insurers usually offer a variety of premium payment options, including monthly, quarterly, or pay-as-you-go. This flexibility helps contractors manage cash flow, especially on jobs with varying payroll. State plans typically have set deposit and payment schedules, which may not offer as much flexibility.

8. Certificates of Insurance Turnaround

Fast certificates are vital in construction. Regular insurance brokers and carriers often deliver certificates the same day, sometimes within an hour. While state plans also provide certificates, the process may vary depending on internal procedures, which is a factor to consider when contractors are looking for new workers’ compensation insurance.

9. Underwriting Expertise

Private insurance companies typically employ underwriters experienced in handling construction risks and navigating complex job classifications. This can help contractors get accurate pricing and appropriate coverage. State plans provide essential coverage for businesses of all types, though their underwriting process tends to be more standardized.

10. Access to Safety Groups (New York Only)

In New York, eligible contractors have a valuable option through Safety Group plans. These are programs offered by certain carriers and associations that group together businesses in similar industries. Safety Groups often provide significant up-front premium discounts and the potential for back-end dividends based on the group’s overall claims performance. When contractors are looking for new workers’ compensation insurance, qualifying for a Safety Group can deliver outstanding value.

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How BGES Group Helps Tri-State Contractors Find the Right Coverage

When contractors are looking for new workers’ compensation insurance, working with a specialist like BGES Group makes all the difference.

For over 45 years, BGES Group has built a trusted reputation among New York, New Jersey, and Connecticut contractors. Unlike generalist agencies, BGES Group focuses heavily on the construction industry and understands its unique challenges, from regulatory requirements to trade-specific risks.

Their team helps contractors navigate the market, whether it’s moving out of the assigned risk pool or reviewing options within both state plans and private carriers. BGES Group also guides eligible New York contractors into Safety Group programs, where up-front discounts and potential dividends can mean real savings.

When contractors are looking for new workers’ compensation insurance, BGES Group offers:

• Access to top-rated insurance markets and state plan options

• Fast, same-day certificate turnaround

• Claims assistance and audit support

• Help with job site safety programs and loss control resources

• Annual policy reviews to ensure optimal coverage and pricing

Contact BGES Group Today

When contractors are looking for new workers’ compensation insurance, it’s important to work with experts who know your business and your market.

Contact BGES Group today and discover better options for your coverage:

📞 Gary Wallach: (914) 806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Let them help you explore the available markets, potential Safety Group programs, and tailored coverage options designed to protect your workers and your business.

In today’s New York construction market, liability insurance isn’t what it used to be. Between ever-tightening insurance carrier guidelines, rising claim settlements, and heightened legal exposure, general contractors and property owners have become far more particular about the coverages they require from subcontractors and project managers. If you’re a New York contractor bidding jobs or working with larger general contractors, you need to understand exactly what these decision-makers are looking for in a Commercial General Liability (CGL) and Umbrella Liability policy — and where many policies fall dangerously short.

At BGES Group, we work with hundreds of Tri-State contractors and see firsthand the challenges they face in navigating this insurance maze. Let’s break down what coverages are being demanded today and some hidden policy forms that could quietly ruin your coverage when you need it most.

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Key Coverages General Contractors and Property Owners Expect

Labor Law and Action Over Coverage

New York’s infamous Labor Law Sections 240 and 241 put strict liability on property owners and general contractors for certain worker injuries, especially falls from heights. As a result, general contractors insist that any subcontractor’s liability policy include coverage for Labor Law claims and Action Over actions.

Action Over refers to situations where an injured employee sues a third party (like a GC or owner) who then seeks indemnification from the subcontractor. Many cheap liability policies exclude this exposure, leaving both parties exposed and making your policy unacceptable for quality jobs.

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Contractual Liability

Construction projects are built on contracts. Many liability policies subtly limit Contractual Liability coverage, especially when it comes to hold harmless and indemnity agreements. Contractors need a CGL policy that provides broad Contractual Liability protection, ensuring you can legally and financially honor the agreements you sign on every project.

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Blanket Additional Insured — Know the Difference

Nearly every GC and property owner will demand to be named as an Additional Insured on your policy. But here’s the catch: there are two main versions of this coverage:

• Privity of contract required: The additional insured coverage only extends to those you have a direct written contract with.

• No privity required: Coverage extends to any party you are contractually required to add as an additional insured — even if you don’t have a direct contract with them.

General contractors and risk managers strongly prefer the no-privity version, as it simplifies protection for property owners and upstream parties. Always clarify which version your policy provides.

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Blanket Waiver of Subrogation

Another big requirement is a Blanket Waiver of Subrogation, which prevents your insurance company from suing the GC or owner after paying a claim. Again — watch for the privity vs. no-privity distinction:

• With privity: Waiver only applies to those you have a written contract with.

• Without privity: Covers anyone you’re required to waive subrogation for by contract.

GCs typically prefer the no-privity version for smoother claim handling and risk management.

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Primary and Non-Contributory Language

When your policy lists a GC or property owner as an Additional Insured, it must also state that your policy is Primary and Non-Contributory. This means your insurance responds first in the event of a claim, without expecting contribution from the GC or owner’s policy.

Failure to include this often invalidates your Additional Insured coverage in real-world claim situations.

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Per Project Aggregate

A critical enhancement for CGL policies is a Per Project Aggregate Limit. This ensures that claims from one project won’t deplete your total liability coverage for other jobs. GCs increasingly demand this so they aren’t left uncovered if a contractor burns through their policy limits elsewhere.

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Forms and Exclusions to Watch Out For

Even with these coverages included, many policies hide limitations in endorsement forms. Here are a few of the most dangerous:

• Residential Exclusions: Completely removes coverage for any work on residential buildings, condos, or co-ops — a dealbreaker if you work in this space.

• Height Limitation Endorsements: Exclude work over a specific height, often 2 or 3 stories. Problematic for scaffold, roofing, or multi-story renovations.

• Construction Limitation Forms: Restrict coverage to specific operations only (e.g., drywall or carpentry), leaving you uninsured if you do work outside those descriptions.

• Strict Subcontractor Coverage Requirements: Require all your subcontractors to carry equal or higher insurance, name you as Additional Insured, and provide Waiver of Subrogation. If one sub falls short, your claim could be denied.

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How BGES Group Protects Tri-State Contractors

At BGES Group, we’ve spent decades helping contractors in New York, New Jersey, and Connecticut navigate complex insurance challenges. Unlike many large, factory-style agencies that sell one-size-fits-all policies—often staffed by inexperienced account executives managing more accounts than they can handle, with frequent personnel changes and long hold times—we provide a personalized, mom-and-pop level of service. Every client receives individual attention, direct communication, and tailored insurance solutions.

We know which carriers write quality policies with the right endorsements for your type of work. We’ll review your current policy, identify dangerous exclusions, and help you secure a comprehensive liability and umbrella program that meets the strict demands of today’s GCs and property owners.

And if you’re still unsure about working with us, you don’t have to take our word for it. You can gain confidence in partnering with BGES Group by hearing what others have to say. Just check out our Google reviews — you’ll see real feedback from contractors throughout the Tri-State area who count on us to protect their businesses.

When you work with BGES Group, you’re not just a number — you’re a partner. We take pride in keeping our clients protected and competitive in a rapidly changing insurance environment.

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Contact BGES Group Today

If you’re unsure whether your current policy has the coverages your clients require — or if you’re tired of dealing with impersonal mega-agencies — let’s talk.

Contact:

Gary Wallach

BGES Group

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Protect your business, win more jobs, and work with people who care about your company’s future.

If you own a business and have employees, you need workers compensation insurance — it’s not only the law in most states, but it’s also critical protection for your workers and your business. Whether you’re a new contractor, a restaurant owner, or a seasoned tradesman, chances are you’ve had plenty of questions about how this coverage works, what it costs, and what it covers.

In this article, we’ll cover the 20 most common questions business owners ask about their workers’ comp policies. Along the way, we’ll sprinkle in helpful advice, a few industry tips, and explain how BGES Group, a Tri-State workers compensation specialist, can help you get the best policy for your needs.

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1. What Is Workers’ Compensation Insurance?

It’s a policy that pays for medical expenses, lost wages, and other benefits if an employee gets injured or sick while working.

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2. Is Workers’ Compensation Insurance Required by Law?

Yes. Most states, including New York, New Jersey, and Connecticut, require any business with employees to carry workers comp insurance. Not having it can lead to stiff penalties.

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3. How Are Workers’ Compensation Insurance Rates Determined?

Rates depend on your payroll, industry classification code, claims history, and the states you work in. For example, New York workers compensation insurance for a roofer will cost more than for an office clerk.

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4. What Does a Workers’ Comp Policy Cover?

It covers:

• Medical treatment

• Lost wages

• Rehabilitation expenses

• Disability benefits

• Death benefits for dependents

It doesn’t cover injuries outside of work or those resulting from intoxication or intentional acts.

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5. Who Needs to Be Covered Under a Workers’ Comp Policy?

All employees, including full-time, part-time, and sometimes subcontractors. If you hire subcontractors, ask for their certificates of insurance — or you could be held responsible for their injuries.

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6. What Happens If I Work Out of State?

Important tip: If you perform work out of state for extended periods — especially weeks at a time — you need to make sure your workers comp policy includes coverage for those states. Not every policy automatically extends coverage outside your home state. BGES Group can help make sure you’re properly covered.

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7. How Does a Workers’ Compensation Premium Work?

The premium you pay up front is a deposit annual premium. At the end of the policy period, the insurance company conducts a payroll audit. If you paid more or less in payroll than estimated, your premium is adjusted accordingly.

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8. What Is a Workers’ Comp Audit?

An audit is a year-end review of your actual payroll, job classifications, and subcontractor costs to ensure you were charged the correct premium.

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9. Can I Get a Quote From Different Insurance Companies?

Yes. It’s smart to shop around. Not all carriers offer the same rates or services. If you’re Googling workers comp insurance quote, consider a broker like BGES Group, who specializes in Tri-State workers compensation insurance and shops multiple carriers for you.

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10. Should I Use a State Plan or Private Insurance Company?

State funds are typically for high-risk or hard-to-insure businesses. If you qualify for coverage through a regular insurance company, you’ll often get better service, rates, and options. BGES Group can help determine which is best for your business.

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11. Can I Lower My Workers’ Comp Costs?

Yes — by:

• Implementing a safety program

• Conducting regular safety meetings

• Correctly classifying payroll

• Maintaining clean claims records

• Working with an experienced broker

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12. How Do I Report a Claim?

Immediately notify your insurance carrier, document the incident, and make sure the employee receives medical care.

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13. What Is an Experience Modification Factor (Mod)?

A mod is a score based on your company’s claims history. A lower mod can reduce your premium.

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14. Do Owners Need to Be Covered?

In many states, owners can opt out, but if you work on job sites, it’s often safer (and required by general contractors) to be covered.

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15. What Happens If an Employee Gets Hurt and I Don’t Have Coverage?

You could face fines, lawsuits, and personal liability for the employee’s medical bills and lost wages.

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16. Are Subcontractors Covered Under My Policy?

Not unless you specifically include them. Always collect their certificate of insurance to prove they have their own coverage.

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17. What Is a Workers’ Comp Class Code?

It’s a number that identifies the type of work your employees perform. Rates are based on how risky the work is.

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18. How Fast Can I Get a Workers’ Comp Insurance Quote?

Many brokers can get quotes the same day, especially if you have your payroll and business info ready. BGES Group offers fast, competitive quotes for businesses throughout New York, New Jersey, and Connecticut.

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19. Can I Be Insured Through an Assigned Risk Pool?

If private insurers decline to cover you, you’ll be placed in a state-assigned risk pool. It’s usually more expensive. BGES Group can help you avoid this by accessing specialized markets.

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20. Can I Make Monthly Payments on My Premium?

Yes — most insurance companies offer payment plans, so you don’t have to pay the full premium up front.

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Why Choose BGES Group?

At BGES Group, we specialize in Tri-State workers compensation insurance, helping contractors, tradesmen, and small business owners navigate the confusing world of workers’ comp. We shop the best workers comp insurance companies, develop loss control programs, help with audits, and make sure your policy covers out-of-state work when needed.

If you’re unhappy with your current rates, stuck in an assigned risk plan, or just want a better broker relationship, BGES Group can help you find a new company that better fits your business needs.

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Contact BGES Group Today

📞 Gary Wallach: (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

Let us help you protect your business, your people, and your bottom line.

In today’s construction industry, subcontracting work is an essential part of getting the job done efficiently. Whether you’re a general contractor managing multiple trades or a specialty contractor bringing in support, subcontractors help projects move forward on time and within budget.

But there’s a major risk many contractors aren’t aware of—or are ignoring. The assumption that your General Liability (GL) and Umbrella Liability policies automatically cover damages caused by your subcontractors can be a fatal flaw in your risk management strategy. If your subcontractors are not in full compliance with your policy’s insurance requirements, you could be personally liable for accidents and claims. That mistake could cost you your business.

Let’s take a closer look at how today’s insurance companies are changing the rules—and what you must do to protect yourself.

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Understanding the Risk: Subcontractor Liability Exposures

Most contractors believe their own insurance policies provide a safety net for subcontractor-related incidents. Unfortunately, that’s only true if specific—and often strict—conditions are met.

Insurance carriers today are including powerful contractual provisions in their liability policies, especially for New York contractors. These provisions spell out, in fine print, exactly what you must do to be eligible for coverage in the event of a subcontractor-related claim.

These provisions are no longer suggestions—they are requirements. And failure to comply with even one of them can result in a total denial of your claim.

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What Is a Hard Hammer Clause?

A growing trend in the insurance market is the use of what’s known as a “Hard Hammer Clause.” Think of this as the insurance company’s way of saying: “We’ll only cover you if you’ve done everything exactly right.”

Under a Hard Hammer Clause, your insurer won’t hesitate to decline a claim if you haven’t met every subcontractor insurance requirement in your policy. That means even one missing certificate of insurance, one subcontractor with inadequate coverage, or one unsigned agreement could leave you without protection.

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What Do These Agreements Require?

So what exactly are these subcontractor insurance requirements?

If you’re working under a General or Umbrella Liability policy with a Hard Hammer Clause, here’s what you are typically required to obtain from each and every subcontractor you hire:

1. Hold Harmless and Insurance Agreement

You must have a written, signed, and dated agreement in place before work begins. This agreement must:

• Include an indemnification (hold harmless) clause stating the subcontractor agrees to protect you against claims resulting from their work.
• Clearly outline the insurance coverages and minimum limits they are required to carry.

Warning: Many subcontractors do not carry adequate coverage or use outdated agreements. Using the wrong form or working without one puts you at risk.

2. Minimum Liability Limits

Subcontractors must carry at least $1,000,000 in General Liability limits—often more depending on the job. Some policies require higher limits or additional Umbrella coverage for specific trades.

3. Certificates of Insurance (COIs)

You must obtain a current COI from each subcontractor that includes:

• Your company listed as an Additional Insured
• Waiver of Subrogation in your favor
• Primary and Non-Contributory wording
• Policy dates and limits that match the contract

Don’t just file these certificates—review them. Many contain incorrect or missing information that invalidates coverage.

4. Contractual Liability Coverage

The subcontractor’s policy must include Contractual Liability, which covers the indemnification obligations they’ve agreed to in your contract.

5. Labor Law Coverage (NY Specific)

For New York contractors, this is crucial. Your subcontractors must have coverage for Labor Law 240 and 241 claims (scaffold and fall-related injuries). Without this, your insurance will not respond, and the courts may hold you fully liable.

6. Primary and Non-Contributory Coverage

This provision ensures the subcontractor’s insurance responds first and in full, before yours. Without this, your policy could be dragged into claims it wasn’t designed to handle.

7. Waiver of Subrogation

This prevents the subcontractor’s insurer from suing you to recover their losses. It’s a standard risk transfer mechanism, but must be properly documented.

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Compliance Isn’t Optional—It’s Essential

The harsh reality is that insurance companies are no longer lenient when contractors fail to meet these requirements. If an accident occurs and your subcontractor is uninsured, underinsured, or has missing documentation, your insurance carrier may deny your claim outright.

That means you could be on the hook for:

• Medical bills
• Legal fees
• Judgments or settlements
• Lost time and revenue
• Permanent damage to your company’s reputation

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A Better Way: Let BGES Group Handle It for You

Keeping track of these requirements is no easy task. Most contractors don’t have the time or technical knowledge to manage this in-house. And most brokers sell the policy and move on—they don’t stay involved to help you maintain compliance.

That’s where we come in.

At BGES Group, we specialize in working with contractors to not only get great insurance policies—but to make sure they stay protected year-round. We offer support with:

• Policy reviews
• Subcontractor agreement templates
• Certificate tracking and compliance
• Access to specialty insurance markets
• Ongoing risk management support

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Examples of Real Savings

We’ve helped countless contractors improve their coverage and reduce costs. Here are just a few examples:

• NYC Contractor: Saved $100,000 on General Liability and Umbrella premiums.
• Queens Contractor: Increased Umbrella limit from $3 million to $5 million and reduced premium from $103,000 to $78,000.
• Upstate Demolition Company: Replaced a $3 million Umbrella costing over $50,000 with a $5 million Umbrella for just $23,000.

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What Clients Say About BGES Group

Here’s what contractors are saying about working with us:

“Gary Wallach and his team are the best. They saved me thousands of dollars and made the whole process painless.”

“Exceptional customer service! I never have to wait for answers, and they’re always on top of my account.”

“Their program is a game-changer. The group health option has been a huge bonus for my employees.”

“The personal touch from BGES Group is unmatched. They treat you like family and truly care about your business.”

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Free Policy Review and Resources

We’re offering a FREE policy review to help you understand your subcontractor-related exposures. We’ll also provide you with a sample Hold Harmless and Insurance Agreement at no cost (just have your attorney review it before use).

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Ready to Get Protected?

Don’t wait until a claim hits to find out you’re not covered. Protect your business by taking action now.

📞 Call Gary Wallach at 914-806-5853 🌐 Visit us at www.bgesgroup.com 📧 Email us at bgesgroup@gmail.com

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BGES Group – Insurance Protection Built for Contractors Who Can’t Afford Mistakes

Serving contractors throughout New York, New Jersey, and Connecticut.