If you’re a New York contractor, you already know how frustrating workers’ compensation can be. Endless paperwork, audits that take months, and unexpected bills that hit when you least expect them. You’ve got enough to worry about running your crews, finishing jobs on time, and keeping clients happy — you don’t need insurance slowing you down.

The good news? There’s a better, smarter way to handle your workers’ comp. A system designed specifically for contractors like you — one that takes the pain out of audits, saves you money, keeps you compliant, and gives you more time to focus on building.

Here are 10 powerful benefits you’ll experience when you switch to this better system.

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1. No More Audit Nightmares

With traditional workers’ comp, audits are brutal. You spend days digging up payroll reports, subcontractor info, and job details. With this new approach, your payroll is handled within the system — so most of the audit work is already done for you.

Yes, the company may still perform an annual audit (they’re required to), but it’s quick and easy. They already have your payroll information and classifications. You might just need to provide certificates of insurance for your subs or confirm employee job duties. That’s it. No more chaos, no more stress, no more months of back-and-forth.

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2. Pay-As-You-Go Convenience

Forget big upfront payments or estimated premiums. You’ll pay based on your actual payroll each pay period — not on guesses. When business slows down, your workers’ comp costs automatically drop. When you take on more work, coverage adjusts instantly. That means steady cash flow and no surprise bills at the end of the year.

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3. Instant Certificates of Insurance

Need a certificate fast to get paid or start a job? No problem. Certificates are issued the same day — often within hours. You’ll never have to chase your insurance agent or lose a project because of delays. Speed matters in construction, and this program delivers.

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4. Total Jobsite Compliance

Every general contractor and project owner wants to see proof of coverage — and this program helps you stay compliant across the board. All your workers are properly classified and insured, and you’ll easily meet New York’s strict labor laws. No more worrying about fines, stop-work orders, or coverage disputes.

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5. Coverage That Moves With You

From Manhattan high-rises to upstate residential builds, your coverage follows your business. Whether you take on one job in Queens or ten across New York State, you’re protected without the hassle of adding separate policies or endorsements. It’s seamless and flexible.

6. Payroll, Workers’ Comp, and HR — All in One Place

Managing separate systems for payroll, taxes, and insurance is time-consuming and costly. This program combines everything under one roof — so your payroll, workers’ comp, and HR administration are all handled together. You save hours every week and eliminate the chance of errors.

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7. Better Cash Flow and Lower Upfront Costs

No big deposits. No “pay now, adjust later.” With this system, you pay only for what you actually use. That means more working capital for your projects, materials, and crews. For contractors juggling multiple jobs, that kind of flexibility can make all the difference.

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8. Expert Claims Handling

When accidents happen — and in construction, they do — you need claims handled fast and fairly. This program uses experts who understand construction work. They help injured workers get back on the job safely while protecting you from unnecessary costs. That keeps your experience modification factor (MOD) low and your premiums stable.

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9. No Classification Surprises

Traditional insurance audits often hit contractors with reclassifications — suddenly your painter is a carpenter or your driver is “construction labor,” and you owe thousands more. With this program, payroll is categorized accurately from the start, which eliminates surprise adjustments and keeps your costs steady.

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10. Focus on Building — Not Paperwork

You’re in business to build, not to chase down payroll reports, manage compliance, or argue with insurance auditors. This system takes all of that off your plate. You get more time to bid, manage crews, and grow your business — while your insurance and compliance run smoothly in the background.

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BGES Group — We Make Construction Insurance Easy

At BGES Group, we specialize in New York construction insurance — general liability, workers’ compensation, umbrella, bonds, and more. We’ve spent decades helping contractors just like you simplify coverage, eliminate audit stress, and lower costs.

We work with programs specifically built for contractors. Programs that are audit-light, cash-flow friendly, and compliance smart. Our clients love the simplicity — one system for payroll and workers’ comp, automatic premium adjustments, and fast certificate turnaround.

When you call BGES Group, you’re not talking to a call center or a chatbot. You get real people who understand construction — people who know how to keep you compliant, protect your business, and save you money.

We’ve helped hundreds of New York contractors get out from under complicated audits and unpredictable bills. If you’re ready to stop wasting hours on paperwork and start running your business with confidence, we’re here to help.

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It’s Time to Ditch the Old Way

You don’t have to keep dealing with stressful audits, surprise invoices, and endless paperwork. There’s a smarter, simpler, and more efficient way to manage workers’ comp — one designed for contractors who want to grow, not drown in red tape.

Let BGES Group show you how easy it can be to make the switch.

Contact BGES Group today:

Gary Wallach

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

BGES Group — Construction Insurance Specialists Serving New York Contractors.

We make workers’ comp easy. We make your life easier.

When you run a contracting business in New York, New Jersey, or Connecticut, there’s one insurance policy that can make or break your operation — workers’ compensation. It’s mandatory, expensive, and often misunderstood. Many contractors find themselves dealing with constant premium hikes, audits that never seem to end, and brokers who vanish once the policy is bound.

If this sounds familiar, you’re not alone — and you don’t have to settle for it. For over 44 years, BGES Group, led by Gary Wallach, has been the go-to insurance resource for contractors facing tough workers compensation challenges. Whether you’ve been canceled, your experience modification (mod) has skyrocketed, or you’re just tired of being treated like a number, BGES Group specializes in fixing tough situations quickly, personally, and professionally.

Here are 10 reasons why contractors across NY, NJ, and CT should turn to BGES Group when they’re having problems with their workers comp coverage.

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1. Fast Turnaround When You’re in a Bind

Many contractors call BGES Group when they’re in panic mode — maybe their policy was non-renewed, their coverage lapsed, or a general contractor is withholding payment until they show proof of insurance. BGES Group has access to multiple markets and can often get new workers comp coverage issued in 24–48 hours. They act fast, communicate clearly, and get you back to work without missing a beat.

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2. Expertise in High-Risk Contractor Classes

Not every insurance broker understands the complexities of construction. Roofing, masonry, flooring, concrete, demolition, or carpentry — these trades are often seen as “high-risk” by most carriers. BGES Group specializes in these classes and knows exactly which companies are open to them, what paperwork is needed, and how to structure your policy so you’re properly covered and compliant.

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3. Help for Companies with Claims or Cancellations

If your policy was canceled or your claims history is hurting your renewal options, most brokers will tell you “there’s nothing we can do.” BGES Group says otherwise. Gary and his team regularly help contractors with prior claims, large losses, or even open claims find coverage again. They don’t judge — they find solutions.

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4. Fair Premiums and No Hidden Surprises

One of the biggest complaints contractors have is overpaying for workers comp. BGES Group reviews your class codes, payroll estimates, and subcontractor costs to make sure everything is accurate. Many contractors discover they were being overcharged thousands of dollars simply because their prior broker didn’t review details or file corrections.

With BGES Group, you get honest, transparent pricing — and an agent who explains where every dollar goes.

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5. Personalized Service — You Deal Directly with the Owner

When you work with BGES Group, you’re not bounced around a call center. You deal directly with Gary Wallach, a broker with over four decades of experience in contractor insurance. Gary is hands-on, responsive, and reachable — even after hours. Contractors often say he’s the most attentive, reliable, and knowledgeable broker they’ve ever worked with.

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6. Help Managing Subcontractor Insurance Compliance

One of the biggest workers comp headaches comes from subcontractors. If their insurance isn’t correct, your audit can blow up and cost you thousands. BGES Group provides custom subcontractor insurance checklists, cover letters, and review services to help make sure your subs’ coverage meets your requirements. Gary personally reviews their certificates and endorsements so you’re not left holding the bag at audit time.

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7. Audit Assistance That Saves You Money

Workers comp audits can be confusing — and they often result in surprise bills. BGES Group doesn’t just sell you a policy and disappear. They’ll help you prepare for and review your audit, making sure payroll classifications, subcontractor documentation, and other details are accurate. Many clients save significant amounts because BGES Group catches errors the auditor missed.

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8. Exclusive Access to Top Workers Comp Programs

BGES Group works with specialized insurance carriers that most local agencies can’t access. These programs are designed specifically for contractors and often include more flexible underwriting, better payment plans, and fewer restrictions. Whether you’re a small start-up or a large established contractor, BGES Group can match you with the right fit.

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9. Additional Coverage Expertise — Beyond Workers Comp

While workers compensation may be your immediate concern, BGES Group can also review and improve your entire insurance program — general liability, umbrella, commercial auto, and bonds. They’ll make sure all your coverages work together, no exclusions overlap, and your certificates meet your GC or building owner’s requirements. That means fewer delays, fewer rejections, and fewer compliance headaches.

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10. Proven Track Record and Long-Term Relationships

BGES Group has been helping contractors in the tri-state area for decades. Many clients have stayed with them for 10, 20, even 30 years — not because they’re the cheapest every single year, but because they deliver real value, personal service, and unmatched expertise.

Gary and his team believe insurance is a partnership, not a transaction. They take the time to understand your business, find solutions that make sense, and are always available when problems come up.

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Bonus: They Actually Care

It’s rare today to find a broker who treats you like family, but that’s exactly how BGES Group operates. Whether you need a certificate on a Saturday, advice about hiring, or help handling a claim, you’ll get real human support — not a 1-800 number or chatbot.

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Final Thoughts: Stop Struggling — Get the Help You Deserve

If your workers comp situation has become a constant source of stress, don’t wait until your policy is canceled or your GC refuses to pay. A five-minute call with BGES Group could save your business time, money, and frustration.

They’ll help you:
✅ Get insured quickly, even if you’ve been canceled or declined.
✅ Pay fair premiums that match your true risk.
✅ Avoid costly audit surprises.
✅ Stay compliant with your GCs and clients.
✅ Gain a partner who truly has your back.

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Contact BGES Group Today

BGES Group
Contractor Insurance Specialists – Serving NY, NJ & CT
📞 Call/Text: (914) 806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com

When workers comp becomes a problem, BGES Group is the solution.
Personal service. Expert advice. Real results. Every time.

If you’re a New York general contractor, chances are you’ve faced this question more than once: Who insures the building while it’s under construction? It may sound simple, but it’s one of the most misunderstood areas of construction risk management. Whether you’re building a new home, remodeling an existing structure, or adding an addition, the answer depends on who owns the project at each stage and what agreements are in place.

Let’s break it down—step by step.

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Scenario 1: You’re a General Contractor Building a New Home You Own

In this scenario, you’re not just the builder—you’re also the owner. You purchased the land, you’re financing the construction, and you plan to sell or occupy the finished property. That means you are responsible for insuring the building while it’s being built.

The correct policy for this is a Builders Risk Policy, sometimes called a “Course of Construction” policy. It’s designed to protect your investment from losses during construction.

A Builders Risk Policy covers:

• Fire, theft, vandalism, or wind damage to the structure while under construction

• Building materials on-site, in transit, or temporarily stored off-site

• Temporary structures (fencing, scaffolding, etc.)

• Sometimes, soft costs like permits, architectural fees, or lost interest due to delays from covered losses

What it doesn’t cover:

• Liability for injuries to others (that’s under your General Liability policy)

• Workers injuries (that’s covered by Workers’ Compensation)

• Faulty workmanship (that’s your responsibility, not an insurable event)

So if you’re both the owner and builder, you buy the Builders Risk policy in your own name. The moment the structure is complete and you obtain a Certificate of Occupancy, you can switch to a permanent property policy—homeowners insurance, landlord insurance, or commercial property insurance, depending on the project’s intent.

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Scenario 2: You’re a General Contractor Hired by a Homeowner

Now let’s flip it. You’re hired by a homeowner to build their new house. You’re not the owner—your client is. So who covers the building while it’s being built?

In almost all cases, the owner should purchase the Builders Risk Policy. Why? Because the owner has the insurable interest in the property. If the home burns down halfway through construction, the owner loses the value of what’s been built so far—not the general contractor.

However, this is where things can get messy if it’s not spelled out clearly in the contract. If there’s no mention of builders risk insurance, and the owner doesn’t buy it, you could be facing disputes and delays in the event of damage or loss.

To protect yourself as a general contractor:

1. Address builders risk insurance in your contract. State who is responsible for providing it—typically the owner.

2. Request to be named as an additional insured and loss payee. That way, if a covered loss occurs, your interests are protected as well.

3. Verify coverage before work begins. Don’t rely on verbal assurances. Ask for a copy of the policy or a certificate of insurance.

If the homeowner refuses to carry builders risk, some contractors will choose to buy it themselves to protect their work and materials. In that case, you’d list yourself as the insured party and the homeowner as an additional insured.

Bottom line: someone must carry builders risk—either the owner or the GC. Don’t start work without confirming who it is.

Scenario 3: You’re Building an Addition to an Existing Structure

Now imagine you’re hired to add a new section onto an existing home or commercial building. A kitchen extension, a second story, or a new office wing—whatever the project, you’re working on property that already exists and is likely insured.

In this case, the owner should contact their property insurance company before construction begins. They’ll need to ask whether their existing policy will extend to cover the new addition while it’s being built.

Often, standard homeowners or commercial property policies do not automatically cover structures under renovation or expansion. That’s why most insurance agents will recommend either:

• Adding a Builders Risk Endorsement to the existing policy, or

• Purchasing a separate Builders Risk Policy just for the addition

In some situations, the general contractor might again step in and buy the builders risk policy, especially if the owner is inexperienced or doesn’t have proper insurance guidance.

A good rule of thumb:

• If you’re working on someone else’s building, the owner should carry builders risk.

• If you’re building on your own land, you carry builders risk.

As a contractor, you should always confirm these details in writing before breaking ground.

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Why Builders Risk Coverage Matters

Builders risk coverage can mean the difference between a minor setback and financial disaster. Imagine this: you’re halfway through framing a new home when a windstorm rips through and destroys $100,000 worth of materials. Without builders risk coverage, someone—either you or the owner—will be paying that out of pocket.

Even worse, it could lead to lawsuits, delays, and ruined relationships. Proper builders risk insurance ensures that the project continues smoothly after a covered loss.

It’s also worth noting that lenders usually require it if there’s a construction loan. The bank wants to protect its financial interest just as much as you do.

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What About Renovations and Remodeling?

For remodeling jobs that don’t involve major structural work, the owner’s existing homeowner or commercial policy may offer limited coverage. However, policies vary widely. For example, if walls are opened up, roofs removed, or structural changes made, many insurers will refuse to cover the work in progress unless a builders risk endorsement is added.

So again, communication is key. Both the owner and contractor should consult with their insurance professionals before starting the job.

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BGES Group: Protecting New York Contractors

At BGES Group, we specialize in insuring New York contractors. Whether you’re a general contractor, subcontractor, or construction manager, we help you identify coverage gaps before they become costly mistakes.

We work with all major insurance carriers that understand the complexities of New York’s construction laws and insurance requirements—including labor law exposures, action-over claims, and contractual risk transfer.

Our team can help you secure:

• General Liability and Workers’ Compensation

• Builders Risk and Installation Floater policies

• Umbrella and Excess Liability coverage

• Certificates of Insurance and contract compliance reviews

We don’t just sell policies—we help contractors protect their businesses and win more jobs by making sure their insurance meets project and lender requirements.

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Final Thoughts

Builders risk insurance isn’t a luxury—it’s a necessity. Whether you’re the owner, the general contractor, or both, understanding who is responsible for covering the building during construction can save you thousands of dollars and countless headaches.

Before the first shovel hits the ground, make sure one question is answered: Who’s insuring the project?

If you’re not sure, BGES Group can help. We’ll review your project details, determine what coverage you need, and make sure you’re fully protected from start to finish.

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Contact BGES Group

Specialists in Insuring New York Contractors

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Protect your projects, your profits, and your peace of mind—with BGES Group by your side.

If you’re a New York contractor who does most of your work under wrap-up projects (OCIPs or CCIPs), you already know the nightmare that comes with your workers’ compensation insurance audit. You spend months sending proof after proof to show that your payroll should be excluded because the general contractor’s policy covers your workers’ comp. Yet somehow, the audit always drags on — or ends with you overpaying.

There’s a smarter, simpler way: move your workers’ compensation and payroll to a Professional Employer Organization (PEO). Below are ten major ways doing this can benefit your business — financially, operationally, and mentally.

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1. End the Audit Headache

PEOs manage workers’ compensation audits for you. Because they handle payroll and workers’ comp under their own federal employer identification number (FEIN), you’re no longer the one being audited. That means no more gathering payroll reports, job lists, certificates of insurance, and OCIP documentation every year. The PEO takes care of it all.

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2. No More Double Charging for Wrap-Up Work

One of the biggest problems with traditional insurance audits is that they often don’t properly exclude wrap-up (OCIP/CCIP) payrolls. Even when you prove that your employees were covered by the GC’s policy, those payrolls can still show up in your premium calculation until you fight it out.

With a PEO, your payroll is managed in real time, and wrap-up exclusions are applied automatically — ensuring accurate, fair billing from the start.

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3. Stable, Predictable Premiums

Traditional workers’ comp policies fluctuate based on estimates, classifications, and claims. PEOs offer flat, predictable pricing based on your actual payroll each pay period. You’ll know exactly what you’re paying — no surprise bills at year-end.

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4. Lower Workers’ Comp Costs

Most PEOs have master workers’ comp policies with top-rated carriers. Because they pool many employers under one large policy, they negotiate lower rates than a single contractor could get alone. The savings can be substantial — especially if your payroll varies throughout the year.

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5. Compliance Made Easy

PEOs stay on top of New York’s complex labor and workers’ compensation regulations. They make sure your business complies with all wage, reporting, and coverage requirements — reducing your risk of penalties or cancellations.

6. Pay-As-You-Go Premiums

Instead of paying large upfront deposits or estimated premiums, PEOs use pay-as-you-go billing. Premiums are calculated on actual payroll every pay period, which improves cash flow and eliminates big audit adjustments.

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7. Professional Payroll & HR Support

When you join a PEO, you’re not just getting insurance — you’re getting an entire support team. PEOs handle payroll processing, tax filing, new-hire reporting, and even HR compliance. That means you can focus on managing jobs instead of chasing paperwork.

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8. Better Coverage Options

Many PEOs offer access to large-group employee benefits — including health, dental, vision, and 401(k) plans. Small and mid-sized contractors often can’t get these benefits on their own, but through a PEO, you can attract and retain skilled labor more easily.

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9. Improved Safety and Risk Management

PEOs employ safety experts who can help you develop safety manuals, training programs, and jobsite inspections. This proactive approach lowers claim frequency, improves your safety record, and helps reduce long-term costs.

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10. Peace of Mind and Time Savings

Imagine not having to deal with audit disputes or endless proof-of-coverage requests every year. With a PEO, everything is streamlined — one invoice, accurate payrolls, and professionals managing compliance behind the scenes. That peace of mind is worth its weight in gold.

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Why More New York Contractors Are Making the Switch

For contractors who do mostly wrap-up work, the PEO model is a no-brainer. You avoid being double-charged for payroll already covered under OCIP/CCIP, eliminate audit battles, and gain expert HR and payroll support.

You’ll have more time to focus on growing your business instead of managing your insurance company.

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How BGES Group Can Help

At BGES Group, we specialize in helping New York contractors find smarter, more efficient workers’ compensation solutions — including the right PEOs for construction. We’ll review your policy, wrap-up exposure, and payroll structure to determine how much you can save and simplify your operations.

Our team has over 44 years of experience helping contractors throughout New York, New Jersey, and Connecticut lower costs and eliminate audit headaches.

Contact BGES Group today:

📞 Gary Wallach – 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Stop overpaying and overworking for your insurance company. Let BGES Group show you how the right PEO can make your workers’ comp simple, affordable, and stress-free.

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

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

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1. We Help You Get Reinstated Quickly After a Lapse

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

2. We Work Directly with NYSIF and Private Carriers

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

3. We Specialize in Construction Accounts

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

4. We Handle Tough-to-Place Risks

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

5. We Can Save You Thousands

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

6. We Simplify the Process

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

7. We Make Sure You Stay Compliant

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

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

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

9. Fast Certificates and Endorsements

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

10. We Help You Avoid Audit Headaches

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

11. We Understand Experience Mods and How to Lower Them

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

12. We Can Bundle General Liability and Workers’ Comp

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

13. We Work with Startups and New Ventures

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

14. We Protect You from Policy Gaps

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

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

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

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Why Working with BGES Group Makes the Difference

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

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

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

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

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Who We Help

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

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

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Our Process

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

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

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Contact BGES Group Today

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

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

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

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

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

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1. They Shop Your Insurance — Aggressively and Intelligently

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

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

They don’t just quote — they negotiate.

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

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

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

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

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3. They Actually Answer Their Phone

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

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

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

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4. Certificates of Insurance Issued in Minutes

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

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

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

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5. No Ridiculous Policy Fees or Hidden Charges

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

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

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

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

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

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

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

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

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

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

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

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8. Experts in Workers’ Compensation and Audit Refunds

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

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

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

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9. Construction Insurance Is Their Specialty

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

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

• General Liability

• Workers’ Compensation

• Business Auto

• Umbrella/Excess Liability

• Builders Risk

• Bonds

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

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

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

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

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

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

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The Bottom Line: BGES Group Delivers What Others Promise

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

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

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

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Contact BGES Group Today

📞 Gary Wallach

📧 bgesgroup@gmail.com

📱 914-806-5853

🌐 https://www.bgesgroup.com

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

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

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

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

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1. Skyrocketing Premiums and Unfair Pricing

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

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

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

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

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2. Insurance Companies That Don’t Understand Construction

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

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

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

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

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3. Workers’ Compensation Headaches

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

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

• Incorrect payroll classifications leading to overpayment.

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

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

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

We help contractors:

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

• Correct their classifications and payroll records.

• Lower their experience mod.

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

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

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4. Certificates of Insurance (COIs) and Compliance Nightmares

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

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

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

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

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

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5. Not Knowing If You’re Really Covered

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

Common coverage gaps include:

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

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

• Policies that exclude subcontractor work.

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

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

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

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

We make sure you’re covered for:

• Completed operations

• Additional insureds and contractual requirements

• Tools, equipment, and vehicles

• Jobsite injuries and employee issues

• Umbrella/excess coverage for major contracts

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

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Why Contractors Choose BGES Group

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

We specialize in:

• General Liability

• Workers’ Compensation

• Commercial Auto

• Umbrella/Excess Liability

• Builders Risk

• Bonds

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

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

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

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

Contact BGES Group Today:

📞 Gary Wallach

📧 bgesgroup@gmail.com

📱 914-806-5853

🌐 https://www.bgesgroup.com

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

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

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

1. Understanding the Basics of Workers’ Compensation

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

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

2. Determining Eligibility for Benefits

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

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

3. Filing a Claim Properly

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

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

4. Understanding Benefits You May Receive

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

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

5. Dealing with Disputes and Appeals

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

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

6. The Role of Your Employer and Insurance Carrier

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

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

7. Staying Informed About Your Rights

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

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

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

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

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

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

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

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

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

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

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

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

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3. Subcontractor Management Can Make or Break Your Renewal

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

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

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4. Labor Law Coverage Is Not Automatically Included

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

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

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5. Certificates of Insurance Are Under More Scrutiny

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

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

6. Payroll Audits Are Causing Major Headaches

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

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

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

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

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

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8. Safety and Risk Management Are Bigger Factors Than Ever

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

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

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9. Misclassifying Workers Can Lead to Audit Bills or Penalties

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

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

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

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

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

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Why Contractors Choose BGES Group

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

Here’s what sets us apart:

• Expertise in New York Labor Law coverage

• Fast, contract-compliant certificates

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

• Aggressive shopping to get the best pricing available

• Personalized service from people who know your business

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

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Don’t Wait Until Renewal — Get a Quote Now

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

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

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Contact BGES Group Today

BGES Group

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

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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Final Thought:

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

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

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Liability coverages (what owners and GCs typically require)

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

• Commercial General Liability (CGL)

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

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

• Completed Operations & Products Liability

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

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

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

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

• Waiver of Subrogation

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

• Pollution Liability / Environmental

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

• Professional Liability (if applicable)

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

• Umbrella / Excess Liability

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

Workers’ Compensation & Employers’ Liability

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

• Statutory Workers’ Compensation

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

• Employers’ Liability

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

• Waiver of Subrogation in favor of Owner/GC

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

• Evidence of Coverage

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

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

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

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Auto & Transportation Coverages

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

• Commercial Auto Liability

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

• Hired & Non-Owned Auto Liability (HNOA)

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

• Physical Damage / Comprehensive & Collision

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

• Motor Truck Cargo (if applicable)

• For contractors hauling other parties’ materials.

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Certificates, Endorsements & Administrative Expectations

Beyond the bare coverages, owners and GCs typically require:

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

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

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

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

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

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Why these protections matter (brief)

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

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How BGES Group helps contractors and owners

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

What BGES brings to the job:

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

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

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

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

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

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

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Final note + contact

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

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

BGES Group

Phone: Gary Wallach — 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Serving contractors across New York, New Jersey & Connecticut.