Running a construction or home improvement business in New York is rewarding—but it’s also one of the toughest environments in the country when it comes to business insurance. Between New York’s strict Labor Law, heavy regulation, and frequent audits, contractors face more exposure than almost anywhere else in the U.S.

Whether you’re a home improvement contractor, general contractor, or specialty trade, the right home improvement business insurance can mean the difference between success and financial disaster. Let’s take a closer look at what you need to know, how to find the cheapest general contractor insurance, and why working with a specialized brokerage like BGES Group can make your life much easier.

---

Why Every New York Contractor Needs Strong Business Insurance

If you work construction in New York, you already know the risks. From property damage and injuries to contractual disputes and Labor Law claims, you’re operating in one of the most litigious states in America.

New York’s Labor Law 240 and 241—often called the “Scaffold Laws”—can make contractors liable for injuries even if they aren’t directly at fault. This unique legal landscape makes general contractor insurance NY policies more complex and expensive than in most other states.

Insurance protects you from lawsuits, helps you qualify for better projects, and gives property owners and developers confidence that your company is financially sound. Without proper coverage, you can lose bids, get disqualified from jobs, or even face bankruptcy after a single serious claim.

---

Understanding the Core Policies Every Contractor Should Have

To properly protect your business, here are the main types of coverage you’ll need:

1. General Liability Insurance

This is the foundation of your insurance program. It covers property damage, bodily injury, and completed operations claims. Finding the best liability insurance for contractors means balancing cost, limits, and exclusions.

In New York, many carriers exclude “Labor Law” coverage or subcontractor work, which can leave huge gaps. BGES Group specializes in finding policies that still provide protection under New York’s tough laws.

2. Workers’ Compensation Insurance

New York State requires all employers with employees to carry workers’ comp. But beware—NYSIF (New York State Insurance Fund) audits can be aggressive. If your payroll records, 1099 documentation, or certificates of insurance aren’t in order, you could face huge back charges.

BGES Group helps contractors stay organized and avoid audit nightmares.

3. Commercial Auto Insurance

If your business owns or leases vehicles, you need commercial auto coverage. Many contractors overlook this, but personal auto policies almost never cover work use or employees driving company vehicles.

4. Umbrella / Excess Liability

Labor Law lawsuits in New York can easily reach seven figures. Excess liability (or umbrella) insurance provides an extra layer of protection above your general liability and auto policies.

5. Inland Marine / Equipment Coverage

Protect your tools, machinery, and materials in transit or on job sites. This is a must for contractors moving between projects.

6. Contractor’s Pollution, Professional, and Builders Risk

Depending on your trade, you may need more specialized coverage. For example, design-build contractors often need professional liability, while those working on renovation projects may require builders risk or pollution insurance.

---

How to Find the Cheapest General Contractor Insurance

Let’s be honest: in New York, “cheap” and “contractor insurance” rarely go hand-in-hand. But with the right strategy, you can still control costs without sacrificing protection.

Here are five practical tips:

1. Work with a Broker Who Specializes in New York Contractors
   Most insurance brokers don’t fully understand the unique Labor Law environment or which carriers will even write NY risks. BGES Group does. We’ve spent decades helping New York contractors secure affordable, compliant coverage.
2. Keep Subcontractor Documentation Up to Date
   If you use subs, make sure you collect certificates of insurance, contracts, and hold-harmless agreements. Carriers charge more—or deny coverage—if you can’t prove your subs carry proper insurance.
3. Classify Your Work Correctly
   A misclassified contractor can pay thousands more per year. For example, interior carpentry might be cheaper than exterior work or structural framing. BGES Group reviews your operations to ensure you’re coded correctly for the lowest possible rate.
4. Bundle Policies with One Carrier
   Placing your general liability, auto, and umbrella with the same insurer often leads to package discounts.
5. Maintain a Clean Loss History
   Carriers heavily weigh your claim history. Implementing site safety programs and training can help you qualify for better pricing and broader coverage.

If you follow these steps, you’ll be well on your way to securing the cheapest general contractor insurance available for your type of work.

---

Why BGES Group Is Different

At BGES Group, we don’t take a one-size-fits-all approach. We specialize in helping New York contractors—including general contractors, home improvement contractors, and specialty trades—navigate one of the most challenging insurance markets in the nation.

Here’s what sets us apart:

• Expertise in New York Labor Law Risks
  Many brokers outside New York simply don’t understand how unique and complex this market is. We do. We know which carriers are still writing contractor business and which policies provide true Labor Law protection.
• Access to Specialized Programs
  BGES Group has relationships with wholesalers and carriers that other agencies can’t access. This allows us to find competitive pricing for both small home improvement contractors and large general contractors.
• Personalized, Hands-On Service
  You won’t get passed around from one department to another. You’ll have direct access to experienced professionals who handle your account from start to finish. We’re known for our responsiveness, problem-solving, and advocacy.
• Audit and Certificate Support
  We assist our clients during audits to help prevent overcharges, and we provide fast turnaround on insurance certificates so you can get on jobs quickly.
• Renewal and Claims Assistance
  When it’s time to renew, we review your policies, payroll, and exposures to keep your premiums as low as possible. If you have a claim, we work directly with the carrier to help resolve it quickly and fairly.

---

The BGES Group Advantage

When you work with BGES Group, you’re not just buying insurance—you’re gaining a long-term partner that understands the construction industry inside and out. Our team helps you:

• Get compliant coverage for city, state, or private projects
• Avoid costly audit surprises
• Navigate confusing policy exclusions
• Secure home improvement business insurance that meets contract requirements
• Find the best liability insurance for contractors at a fair price
• Access programs designed for general contractor insurance NY clients

We’ve helped hundreds of contractors stay protected, bid confidently, and grow their businesses safely.

---

Ready to Protect Your Business?

If you’re a contractor, remodeler, or builder operating anywhere in New York—Manhattan, Brooklyn, Queens, the Bronx, Staten Island, Long Island, or upstate—now’s the time to make sure your insurance program is solid and affordable.

Don’t risk your company’s future by cutting corners on coverage or dealing with brokers who don’t understand New York’s construction insurance market.

---

Contact BGES Group Today

BGES Group – Specialists in New York Contractor Insurance
📞 Phone: (914) 806-5853 – Gary Wallach
📧 Email: info@bgesgroup.com
🌐 Website: www.bgesgroup.com

Whether you need home improvement business insurance, help finding the cheapest general contractor insurance, or want advice on the best liability insurance for contractors, we’re here to make the process simple, transparent, and cost-effective.

Let BGES Group protect your business—so you can focus on building New York.

Keywords: New York contractor insurance, construction insurance specialists, general liability insurance NY contractors, workers compensation NY contractors, excess liability coverage, BGES Group

Running a contracting business in New York is no easy job. Between complex insurance laws, tight deadlines, and constant jobsite risks, one uncovered claim can destroy your business overnight. That’s why understanding the top five insurance concerns for New York contractors is absolutely critical.

At BGES Group (https://www.bgesgroup.com), we specialize in New York construction insurance, helping contractors secure affordable, rock-solid protection that meets job requirements and protects your business from catastrophic losses.

⸻

1. General Liability Insurance Gaps That Could Destroy Your Business

Every contractor in New York needs general liability insurance, but not all policies are created equal. Many are full of exclusions that can leave you dangerously exposed when a claim happens.

Common Problems Hidden in Contractor Liability Policies

• Residential exclusions that eliminate coverage for apartment, condo, or home projects.

• Labor Law (Action-Over) exclusions that remove protection for worker injury lawsuits under New York Labor Law 240/241.

• Subcontractor exclusions that leave you paying for someone else’s mistakes.

At BGES Group, we review your general liability policy line by line, identifying gaps most brokers overlook. We then place you with top carriers that provide comprehensive coverage, including:

✅ Completed operations

✅ Subcontractor work

✅ No Labor Law exclusions

We ensure your policy meets every New York construction insurance requirement so you’re protected and contract-ready.

⸻

2. Workers’ Compensation for New York Contractors — Controlling Costs and Staying Compliant

Workers’ compensation is one of the largest expenses for New York contractors — and one of the most misunderstood. Between audits, experience mods, and employee classification rules, it’s easy to overpay or fall out of compliance.

How BGES Group Helps:

• Properly classifies employees to prevent overcharges.

• Implements certificate tracking for all subcontractors.

• Connects you with competitive pay-as-you-go workers’ compensation programs.

• Helps you lower your experience modification factor (mod) to reduce premiums.

We also make sure your policy meets all New York State Workers’ Compensation Board requirements, keeping you fully compliant and penalty-free.

If you need help with workers’ compensation insurance for contractors in New York, BGES Group delivers expert solutions that save money and protect your business.

⸻

3. The Rising Demand for Excess Liability and Umbrella Coverage

Construction contracts are changing — most general contractors and property owners now require $5–10 million in total liability coverage. Without excess liability or umbrella coverage, you can’t even bid on many jobs.

However, due to New York’s Scaffold Law (Labor Law 240), many insurers no longer write excess policies for contractors.

At BGES Group, our long-term relationships with specialized carriers allow us to help contractors secure the excess liability coverage they need at the most competitive rates possible.

We know which carriers are still writing construction excess, which ones will decline, and how to structure your limits to satisfy contract requirements — all while staying affordable.

If you want to stay competitive in the New York construction market, excess liability coverage is no longer optional — and BGES Group can help you get it.

⸻

4. Additional Insured Requirements and Contractual Risk Transfer

Most contracts in New York require you to name the general contractor, property owner, and sometimes others as additional insureds. If your insurance doesn’t do this properly, you could be held responsible for another party’s lawsuit.

BGES Group Protects You By:

• Reviewing contracts before you sign to ensure compliance.

• Making sure your policy includes both ongoing and completed operations coverage for additional insureds.

• Helping you create hold harmless and indemnification agreements that transfer risk away from your company.

This is one of the most overlooked areas of construction insurance — and it’s where BGES Group’s expertise can save you from serious legal and financial trouble down the road.

⸻

5. New and Emerging Risks: Cyber, Fraud, and Certificate Management

Today’s construction industry faces more than just jobsite hazards. Cyberattacks, fake certificates, and internal fraud are growing threats that can devastate your business.

BGES Group Helps You Protect Against These Hidden Risks:

• Certificate tracking systems to ensure every subcontractor’s insurance is valid.

• Cyber liability insurance to protect against ransomware, data breaches, and email fraud.

• Employment Practices Liability Insurance (EPLI) for protection against employee-related lawsuits.

• Business Owners Policies (BOPs) that combine property, liability, and crime protection in one plan.

These coverages aren’t optional anymore — they’re essential to running a secure and professional contracting business in New York.

⸻

Why New York Contractors Choose BGES Group

With over 44 years of experience, BGES Group (https://www.bgesgroup.com) is one of the most trusted names in New York construction insurance.

We work exclusively with construction businesses, including:

• General contractors

• Subcontractors (carpentry, masonry, drywall, roofing, HVAC, plumbing, electrical, etc.)

• Developers and construction managers

• Maintenance and repair contractors

Our Specialized Insurance Services Include:

• General Liability Insurance

• Workers’ Compensation

• Excess & Umbrella Liability

• Commercial Auto

• Tools & Equipment Coverage

• Bonds and Surety

• Contract Review & Risk Management

We don’t just sell policies — we protect your business, ensure compliance, and help you grow safely and profitably.

⸻

Final Thoughts: Don’t Let Insurance Mistakes Cost You Everything

For New York contractors, insurance isn’t just a legal requirement — it’s your business’s safety net. The wrong coverage or broker can cost you millions when a claim hits.

At BGES Group, we help you avoid those costly mistakes by designing insurance programs that truly protect your business from every angle.

When it comes to New York construction insurance, no one understands your needs better than BGES Group.

⸻

Contact BGES Group — New York’s Construction Insurance Specialists

📞 Gary Wallach, Construction Insurance Specialist

📧 bgesgroup@gmail.com

📱 914-806-5853

🌐 https://www.bgesgroup.com

BGES Group – Protecting New York Contractors for Over 44 Years.

Get the right coverage. Eliminate your risks. Build with confidence.

When you’re a contractor in New York, you know every day brings new challenges — tight deadlines, demanding clients, and complex job sites. But one of the biggest traps many contractors fall into is trusting that their insurance company is working in their best interest. The truth? Many insurance companies hide behind fine print, confusing policies, and high premiums — keeping you in the dark about how much protection you really have (or don’t).

Here are 10 secrets contractors’ insurance companies don’t want you to know — and the one best secret that can save your business and thousands of dollars.

⸻

1. Your Policy May Not Actually Cover You on a Construction Site

Many general liability policies written for “contractors” aren’t true construction policies. They may exclude critical coverages for subcontracted work, operations above certain heights, or even exclude coverage for residential projects — the very jobs most small contractors do. If your insurer doesn’t specialize in construction, you may not be covered when you need it most.

⸻

2. Labor Law Claims Can Destroy You — and Most Insurers Exclude Them

New York’s Labor Law 240 and 241 make contractors and property owners strictly liable for worker injuries. A single claim can cost millions. The dirty secret? Many insurance companies exclude Labor Law coverage altogether. You think you’re covered — until you’re not. The right policy must specifically include coverage for these laws.

⸻

3. Certificates of Insurance Don’t Guarantee Coverage

Contractors often assume a certificate of insurance (COI) proves they’re protected or compliant. Wrong. A COI is not a legal contract. It’s just a piece of paper showing that coverage might exist. If the policy itself contains exclusions or lapses, that certificate is worthless in a claim or lawsuit.

⸻

4. Subcontractors Can Void Your Coverage

If one of your subs doesn’t carry their own insurance — or if their policy lapses — your insurance company can deny claims or charge you massive back premiums. You need a policy that helps you manage and protect against uninsured subs, and an agency that audits these details for you before renewal.

⸻

5. Many “Cheap” Policies Are Cheap for a Reason

Low premiums often mean missing coverages. Some policies exclude important items like independent contractors, completed operations, or even injury to your own employees. When a claim happens, you find out the hard way that saving a few hundred dollars cost you tens of thousands.

⸻

6. Your Premium Audit Could Bankrupt You

At the end of the policy year, your insurer audits your payroll and subcontractor costs. If they find discrepancies — even innocent ones — you could owe thousands in “additional premium.” The worst part? Most agents don’t prepare you for this or help manage your reporting. A good broker helps you avoid nasty surprises by setting up your policy correctly from the start.

⸻

7. Completed Operations Coverage Is Often Missing

You might finish a job today, but claims can come years later. If your policy doesn’t include completed operations coverage — or if it’s limited to “ongoing operations” — you’re exposed long after the project ends. This is one of the most misunderstood and overlooked areas of contractor insurance.

⸻

8. Your Insurance Company Doesn’t Help You Get Work

Contractors need more than just protection — they need policies that make them more hirable. Many insurance companies don’t care whether your coverage helps you win bids. A specialized agency like BGES Group knows what general contractors and project owners look for — and sets up your coverage so you qualify for better jobs and bigger contracts.

⸻

9. Some Insurance Companies Drop Contractors Without Warning

The market for construction insurance changes constantly. Some insurers suddenly decide they no longer want to cover construction classes — leaving you scrambling for replacement coverage at renewal. Without the right broker watching your back, your policy could non-renew at the worst possible time, shutting down your business until you find new coverage.

⸻

10. You’re Probably Overpaying — Without Even Knowing It

Most contractors don’t shop their insurance correctly. They stick with the same agent year after year, not realizing better programs exist that offer stronger coverage for less money. Carriers that specialize in construction risk often offer more competitive rates — but you’ll never find them unless your broker knows the market inside and out.

⸻

The One Best Secret You Should Know: Partner with BGES Group

Here’s the truth: most insurance brokers treat contractors as just another account. BGES Group isn’t one of them.

We’re New York construction insurance specialists who live and breathe this business. We know the ins and outs of Labor Law, completed operations, and subcontractor compliance. We know how to get you approved by general contractors and project owners — and how to keep your costs low while expanding your protection.

When your business insurance comes up for renewal, there’s one move that can change everything:

Let BGES Group service your policies.

Here’s what we do differently:

• ✅ Specialization: We focus on construction insurance — not restaurants, offices, or retail. That means your coverage is designed for your real-world exposures, from roofers and framers to electricians and masons.

• ✅ Labor Law Coverage: We help you secure general liability policies that include Labor Law 240/241 coverage with no height limitations — protection most agents overlook.

• ✅ Completed Operations Protection: We make sure you’re covered long after a job is done, so your company stays safe from future claims.

• ✅ Subcontractor Oversight: We help you verify and manage sub insurance so you don’t get hit with audit penalties or denied claims.

• ✅ Audit Assistance: We guide you through the audit process to prevent surprise bills and premium hikes.

• ✅ Better Job Opportunities: Our clients often find it easier to get approved by top GCs because their insurance is set up right.

• ✅ Personalized Service: When you call BGES Group, you deal directly with experienced specialists — not a call center or generic rep.

And unlike most brokers, we don’t disappear after you sign. We monitor your coverage throughout the year, make adjustments as your business grows, and advocate for you if a claim happens.

⸻

Why Contractors Across New York Choose BGES Group

BGES Group has been protecting contractors for decades. We’ve seen every mistake, every hidden exclusion, and every insurance trap — and we’ve built our business around making sure you don’t fall into them. Our clients include small family-owned trades, large construction firms, and everything in between.

We understand your world — the bidding, the deadlines, the site challenges, and the constant pressure to do more with less. That’s why we deliver insurance solutions that keep you protected, compliant, and competitive.

When renewal time comes, don’t just sign another policy you barely understand. Get a second opinion from BGES Group. You may discover better coverage, lower premiums, and someone finally fighting for your business — not the insurance company’s bottom line.

⸻

Contact BGES Group Today

BGES Group — Construction Insurance Specialists

📍 Serving New York, New Jersey, and Connecticut Contractors

📞 Call or Text: Gary Wallach at (914) 806-5853

📧 Email: mailto:bgesgroup@gmail.com

🌐 Website: https://www.bgesgroup.com

⸻

Final Thought:

The real secret isn’t buried in the fine print of your insurance policy — it’s in who you trust to protect your business.

Let BGES Group show you what true coverage, service, and savings look like. When your renewal comes due, don’t just renew. Upgrade.

If you’re a contractor in New York, chances are you’ve had your fair share of frustrations dealing with insurance agencies. You’re busy running projects, juggling deadlines, and managing crews—yet every time you call your insurance agency for help, no one answers. When someone finally does, they promise to “get back to you,” but days go by with no response. You need an agency that treats your business like a priority, not an afterthought.

Let’s pull back the curtain on what’s really going on with many of the insurance agencies serving New York contractors—and show you how to break the cycle once and for all.

---

1. No One Answers the Phone When You Call

You’ve been there—you’re knee-deep in a project, maybe you need a certificate of insurance right away or have a coverage question, and your call goes to voicemail… again. It’s more than annoying—it can delay your job, cost you time, and even put your business relationships at risk. The reality is that many agencies simply don’t make customer service a priority. You’re not being unreasonable for expecting someone to answer the phone. You’re running a business. You need help now, not tomorrow.

---

2. You’re Paying Too Much for Business Insurance

New York contractors already pay some of the highest premiums in the country. Between the complex regulations, risk exposures, and tough underwriting, coverage is expensive enough. But are you paying more than you should? The answer is often yes.

Most agencies are on “auto-pilot”—they don’t shop your policies, negotiate aggressively, or look for specialized programs that could save you thousands. They renew your policies with the same carriers, at the same inflated prices, every year. You deserve better.

---

3. Hidden Service Fees That Add Up to Thousands

Here’s something most agencies won’t tell you: many tack on their own “service” or “broker” fees, sometimes in the thousands of dollars, hidden deep in your paperwork. These fees are often unnecessary—and they’re pure profit for the agency.

The dirty little secret? Insurance companies already pay agencies a commission. So when you see extra fees, that’s money straight out of your pocket. A trustworthy agency will be upfront and transparent about costs. If they can’t explain what you’re paying for, that’s a red flag.

---

4. Automatic Policy Renewals Without Checking for Better Options

Have you noticed that your policies just keep renewing automatically with no review? It’s convenient for your agency—but not for you. Without comparing your renewal with current market options, you could be missing out on significant savings or better coverage.

A good agency should take the time to review your policies each year, assess whether your coverage still fits your business, and explore other options before renewing.

---

5. Inexperienced Account Executives Who Don’t Understand Policy Language

Insurance policies are full of complex language—and if your account executive doesn’t truly understand it, you could be left exposed. Too many agencies rely on inexperienced staff who don’t have the expertise to navigate the fine print. That can lead to costly coverage gaps or misunderstandings when you need your insurance most—during a claim.

When you’re in the construction business, every word in your policy matters. You need someone who not only understands insurance but also understands how your contracts, subs, and jobsite exposures tie into it.

---

6. Staff Who Don’t Understand the Realities of the Construction Business

Quoting policies is easy. Understanding construction is not. Many insurance reps don’t have real-world knowledge of the risks you face every day—working at heights, managing subs, handling safety compliance, or dealing with audits.

They may give you cookie-cutter coverage that looks good on paper but doesn’t protect you in practice. What you need is an experienced advisor who can tailor coverage to your specific operations, not someone reading from a script.

---

7. High Turnover Means No One Knows Your Account

Ever feel like you’re starting from scratch every time you call your agency? That’s because employee turnover in many agencies is high. The person who knew your account leaves, and now you’re stuck re-explaining everything to someone new who doesn’t understand your business.

Consistency matters. You need an agency where you deal with the same knowledgeable people year after year—people who know your business, your policies, and your priorities.

---

8. Agencies Don’t Even Check Your Policies When They Come In

You’d think reviewing your policies for accuracy would be a given—but it often isn’t. Many agencies don’t check your policy documents when they arrive from the carrier. That means errors—wrong limits, missing endorsements, incorrect classifications—can go unnoticed until you have a claim.

When that happens, the “we’ll look into it” response from your agency won’t fix the damage. The best agencies double-check every detail before handing policies over to you, ensuring you’re actually getting the protection you paid for.

---

The Solution: Work with an Agency That Actually Cares

If you’re tired of dealing with agencies that never answer, overcharge you, and leave you unprotected, it’s time to make a change. You deserve a partner who takes your business as seriously as you do.

That’s where BGES Group comes in.

We’re not your typical insurance agency. At BGES Group, we specialize in helping New York, New Jersey, and Connecticut contractors get the right coverage, the right service, and the right price.

Here’s what sets us apart:

• Experienced Account Executives who truly understand both insurance and the contracting business.
• Personalized Service with real people—when you call, you get someone who knows your account and gets you answers fast.
• Competitive Pricing with no hidden fees, no unnecessary charges, and no automatic renewals without reviewing your options.
• Access to 50+ Top Insurance Companies including all the best general and umbrella liability programs.
• All Lines of Coverage – property, builders’ risk, inland marine, general liability, umbrella, auto, bid & performance bonds, workers’ comp, NYS disability, and group health.

We don’t just sell policies—we build relationships. You can call, text, or email us anytime, even on weekends. We know construction doesn’t stop at 5 p.m., and neither do we.

---

BGES Group: The Tri-State Workers’ Compensation Specialists

Workers’ Compensation is one of our biggest strengths. If you’re:

• Unhappy with your current rates
• Facing cancellation or nonrenewal
• Struggling with losses, misclassified payrolls, or audit disputes
• Or just want to see if you can do better

We can help.

We represent special programs for Auto Services, Contractors, Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers. We’re also a Preferred Agent for one of the best multi-state programs on the market—offering excellent pricing, long-term stability, and simplified audits.

---

It’s Time to Expect More

Stop overpaying for poor service. Stop waiting days for a call back. Stop letting agencies renew your policies year after year without checking your options.

Choose BGES Group—where your business is our priority.

📞 Call Gary Wallach today at 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: www.bgesgroup.com

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

We’re here to make your life easier, your coverage stronger, and your premiums more affordable. Because you deserve an insurance agency that actually picks up the phone.

If you’re a New York contractor, you already know how tough it is to find affordable, reliable workers’ compensation insurance — especially if your policy was non-renewed, your rates skyrocketed, or your coverage was cancelled. The good news? BGES Group specializes in helping contractors just like you get back on track with strong, affordable coverage options designed specifically for the New York construction industry.

Below are 10 smart reasons why every New York contractor should turn to BGES Group for their workers’ comp coverage — whether you’re a small subcontractor or a large GC managing multiple crews.

⸻

1. We Specialize in New York Construction

BGES Group isn’t a generalist agency — we live and breathe New York construction insurance. From general contractors to framers, roofers, masons, electricians, and demolition contractors, we understand the classifications, audit issues, and state-specific requirements that make New York’s system one of the toughest in the country.

✅ That means you get coverage that fits your trade, not one-size-fits-all policies that cost too much or leave you exposed.

⸻

2. We Help Contractors Who Were Non-Renewed or Cancelled

Many brokers give up when a contractor’s policy is non-renewed. BGES Group doesn’t. We specialize in helping contractors find new coverage after non-renewal, cancellation, or lapses.

✅ Even if your policy was cancelled for non-payment, claims history, or class code issues — we’ll find a way to get you insured fast and legally back to work.

⸻

3. We Can Save You Thousands in Premiums

With decades of relationships in the industry, BGES Group has access to top markets that most agents can’t touch. We shop your policy with multiple A-rated carriers to find you the lowest possible cost without sacrificing protection.

✅ Contractors often save 20% to 40% on workers’ comp premiums when they move their coverage through BGES Group.

⸻

4. Fast Certificates of Insurance — So You Never Miss a Job

We know that in construction, time is money. That’s why BGES Group issues certificates of insurance fast — often within minutes.

✅ No waiting hours or days for proof of insurance. When a client or GC demands a cert, you’ll have it the same day — so your crew stays on site and your payments stay on schedule.

⸻

5. We Handle the Headaches — You Focus on the Job

Workers’ comp can be a nightmare: payroll audits, classification disputes, claims management, compliance issues… BGES Group takes all that off your plate.

✅ Our team handles your audits, works with underwriters, and even helps resolve claim problems directly — so you can stay focused on running your business and keeping your crews safe.

6. We Offer Pay-As-You-Go Workers’ Comp

Many contractors struggle with large upfront deposits and unpredictable audit bills. BGES Group offers pay-as-you-go workers’ compensation, which ties your premiums directly to your payroll.

✅ That means you only pay for what you actually use — no big down payments, no surprise audit balances, and better cash flow all year long.

⸻

7. We Make Sure You’re Covered for Subcontractors and Additional Insureds

In New York, it’s critical that your workers’ comp coverage is properly structured to protect you, your employees, and your subcontractors. BGES Group makes sure all required parties — including general contractors and upstream owners — are properly listed as additional insureds.

✅ This keeps you compliant, prevents job delays, and protects you from being held liable for others’ claims.

⸻

8. We Help You Avoid Common Audit and Classification Traps

Did you know many contractors overpay thousands each year because they’re misclassified under the wrong class code? BGES Group audits your policy for accuracy to ensure you’re classified correctly under New York’s strict workers’ comp rules.

✅ We’ve saved contractors tens of thousands of dollars simply by correcting their class codes and eliminating improper audit charges.

⸻

9. We’re Available 24/7 — Not Just 9 to 5

When you call BGES Group, you reach a real person, not an automated system. We’re known for answering calls, texts, and emails 7 days a week, because construction doesn’t stop at 5 p.m.

✅ Our clients love that they can reach us anytime for certificates, coverage questions, or urgent issues — even nights and weekends.

⸻

10. Trusted by Hundreds of NY Contractors for Over 44 Years

With over three decades of experience protecting contractors across New York and beyond, BGES Group has built a reputation for honesty, reliability, and results.

✅ We don’t disappear after you buy the policy. We’re your long-term partner — here to help you renew, save money, and keep your business protected for years to come.

⸻

Bonus: We Also Cover Liability, Auto, and Umbrella

BGES Group is a one-stop insurance solution for contractors. We can bundle your general liability, business auto, umbrella, and tools & equipment coverage along with your workers’ comp — giving you seamless protection and often deeper discounts.

⸻

Why Contractors Choose BGES Group Over Big Agencies

• We answer our phones — no waiting, no runaround.

• We fight for our clients when claims or audits arise.

• We know the trades — we speak your language and understand your business.

• We’re transparent — you’ll always know what you’re paying for and why.

• We go the extra mile to keep you insured and compliant — even when others can’t.

⸻

Stop Overpaying and Start Protecting Your Business the Smart Way

If your workers’ comp policy is up for renewal — or worse, you’ve been non-renewed or cancelled — don’t panic.

Let BGES Group step in and find you the right coverage, fast.

We help New York contractors:

✅ Replace cancelled or non-renewed policies

✅ Save 20–40% on premiums

✅ Get fast, reliable certificates

✅ Stay compliant with NY regulations

✅ Protect their crews, clients, and business

⸻

Contact BGES Group Today

BGES Group — New York’s Construction Insurance Specialists

📞 Call/Text: 914-806-5853 – Gary Wallach

📧 Email: bgesgroup@gmail.com

🌐 Website: https://www.bgesgroup.com

Serving: New York, New Jersey, Connecticut — and with associates covering contractors nationwide.

⸻

Final Word:

Whether you’re a small subcontractor or a major general contractor, your workers’ compensation coverage is the backbone of your business. Don’t leave it to chance — or to brokers who don’t understand your industry.

Trust BGES Group, where construction insurance is all we do, and where protecting New York contractors has been our mission for over 44 years.

Call 914-806-5853 today — and discover why hundreds of contractors say BGES Group is the #1 workers’ comp specialist for the New York construction industry.

As a New York contractor, you already know how challenging the insurance market has become. Premiums are rising, coverage terms are tightening, and insurers are getting pickier about who they’ll renew. If your liability insurance renewal is approaching, don’t take it for granted — this is the time to protect yourself and your business.

Below are 10 smart, practical steps every New York contractor should take before signing their renewal. Following these can save you thousands of dollars, prevent coverage gaps, and give you peace of mind knowing your business is properly protected.

---

1. Start Early — Don’t Wait Until the Last Minute

Most contractors make the mistake of waiting until a few weeks before renewal to review their policy. That’s too late. You should start reviewing your coverage at least 60 to 90 days before renewal. This gives you time to identify changes in your business, get alternative quotes, and correct any issues that might make insurers nervous — such as lapses, outdated certificates, or unreported payroll changes. Starting early gives you leverage and time to make the best decision.

---

2. Review Your Current Coverage Carefully

Before you renew, go through your current policy line by line. Make sure you understand what’s covered — and what’s not. Key areas to check:

• Are subcontractors properly covered or excluded?
• Are you protected for work on residential properties, multi-family buildings, or in New York City?
• Are endorsements or exclusions quietly reducing your coverage? Many contractors discover that exclusions like the “Action Over Exclusion,” “Labor Law Exclusion,” or “Height Limitation” can leave them unprotected against the most common NY claims.

If you’re not sure what something means, ask an insurance professional (like BGES Group) to review it for you — before you sign the renewal.

---

3. Update Your Business Information

Insurance underwriters base their pricing on your operations, revenue, and payroll. If you’ve expanded, added new trades, or changed your type of work, your insurer needs to know. However, don’t just report increases — you should also review your payroll and subcontractor costs carefully. Sometimes contractors overestimate or carry inflated projections, which can cause overcharges. Adjusting these figures accurately can reduce your premium significantly.

---

**4. Contact BGES Group to Get Competitive Backup Quotes

Even if you like your current broker or insurer, it’s smart business to see what else is out there. Markets change constantly, and the contractor insurance world is especially volatile.

That’s where BGES Group comes in. We specialize in helping New York contractors find the best coverage and pricing — even when the market is tough. We’ll shop your insurance with multiple carriers that actively write New York contractor policies and make sure your quotes are competitive, your coverages are solid, and your policy fits your specific work.

By getting “backup quotes” through BGES Group, you gain leverage with your current insurer, avoid overpaying, and often discover better protection for the same or lower price.

If your renewal is approaching, don’t renew blind. Contact BGES Group today and see what we can do for you.

---

5. Verify That Additional Insured and Waiver Endorsements Are Included

Many jobs require you to name owners, GCs, or property managers as “Additional Insureds” and include a “Waiver of Subrogation.” If your policy doesn’t automatically include these endorsements, you could lose contracts or have claims denied. Make sure your policy includes Additional Insured (CG 2010 & CG 2037) forms and Waiver of Subrogation clauses. These are essential for working with larger clients and satisfying contract requirements.

---

6. Make Sure You Have Proper Coverage for Subcontractors

If you use subs — and most contractors do — your policy must protect you against claims involving their work. Insurers often exclude coverage if a sub doesn’t carry equal or better insurance. Always collect and keep updated Certificates of Insurance from every subcontractor, and verify they have liability and workers’ comp coverage.

BGES Group can help you set up a Certificate Tracking System to protect you from denied claims or surprise charges due to uninsured subs.

---

7. Review Policy Exclusions and Endorsements for Red Flags

New York is notorious for tricky endorsements that gut your coverage without you realizing it. Watch for red flags like:

• Action Over / Labor Law Exclusions
• Subcontractor Warranty Clauses
• Height or Depth Limitations
• Residential Work Exclusions
• Exterior Work Restrictions

If you see any of these, talk to BGES Group. We know which carriers are contractor-friendly and which policies to avoid.

---

8. Compare Limits and Deductibles Strategically

Sometimes increasing your deductible slightly can save you a meaningful amount on your premium. Conversely, dropping limits to save a few dollars might cost you dearly if there’s a major claim. Ask your broker to model different limit and deductible options so you can make an informed decision. BGES Group helps contractors find the “sweet spot” between strong coverage and affordability.

---

9. Ask About Safety Programs and Discounts

Many insurers reward contractors who maintain strong safety practices. Implementing or documenting a formal Safety Program, conducting toolbox talks, or showing OSHA training can earn you lower premiums. You can also qualify for better rates by showing clean loss runs, low claims history, and solid subcontractor controls. BGES Group can help you structure your safety protocols in a way that insurers appreciate — and reward.

---

10. Partner with a Specialist Who Knows New York Construction

New York is one of the most difficult insurance markets in the country. Labor Law 240/241 claims, scaffold liability, and aggressive litigation make most carriers cautious — or unwilling — to write contractor coverage. That’s why you need to work with a specialist broker who lives and breathes New York construction insurance.

---

Why Contractors Choose BGES Group

BGES Group is one of the few insurance agencies that specializes in insuring New York contractors. We work with contractors of all sizes — from one-person tradesmen to large general contractors — and we understand the complex insurance challenges unique to New York City, Long Island, Westchester, and beyond.

We also serve New Jersey and Connecticut contractors who work in and around New York.

What makes BGES Group different:

• Deep industry experience: Over 44 years specializing in contractor coverage.
• Access to top markets: We represent multiple A-rated carriers that understand NY construction.
• Hands-on service: We help with certificates, audits, claims, and renewals — not just selling policies.
• No surprises: We’ll review your policies for exclusions that can hurt you and make sure you’re properly protected.
• Personal attention: You’ll work directly with experts, not a call center.

---

Protect Your Business — Contact BGES Group Today

Don’t wait until after your renewal to find out you overpaid or lost important coverage. Let BGES Group help you shop your renewal, improve your protection, and lower your costs.

📞 Call BGES Group: (914) 806-5853 – Gary Wallach

📧 Email: info@bgesgroup.com

🌐 Website: www.bgesgroup.com

Whether you’re a general contractor, trade contractor, or specialty subcontractor working in NY, NJ, or CT, BGES Group is your best resource for competitive, comprehensive, contractor-focused insurance solutions.

---

Bottom Line: Insurance renewals aren’t just paperwork — they’re a chance to strengthen your protection and save money. By reviewing your coverage early, understanding your exposures, and getting expert help from BGES Group, you can navigate renewals with confidence and keep your business protected against whatever comes next.

Running a contracting business in New York isn’t for the faint of heart. Between Labor Law 240/241 (Scaffold Law), strict jobsite safety requirements, and sky-high liability exposures, contractors’ insurance costs in New York can feel like another tax. General liability, workers’ compensation, umbrella, commercial auto—it all adds up.

But here’s the good news: you’re not stuck paying through the nose. There are street-smart strategies New York contractors can use to cut business insurance costs—without sacrificing the coverage you need to protect your business, your employees, and your bottom line.

Below are 10 proven tactics contractors across New York are using right now. Use them, and you’ll be in much better shape when renewal time comes around.

⸻

1. Shop Your Renewal Early—Don’t Wait Until the Last Minute

Most contractors wait until a week or two before renewal to call their broker. Big mistake. The best carriers need time to underwrite, and rushing it means you’ll either get stuck with high-priced quotes or forced into a renewal you can’t afford.

Street-smart move: Start shopping 90 days before renewal. That way your broker has time to approach multiple markets, negotiate terms, and clean up any red flags in your submission.

⸻

2. Fix Your Payroll and Subcontractor Records

Carriers rate policies on payroll, class codes, and subcontractor exposure. If your numbers are sloppy, you’re probably paying more than you should. Many contractors over-report payroll or fail to track uninsured subcontractors, and the audit hits them like a hammer.

Street-smart move: Keep tight monthly payroll reports, track certificates of insurance from every sub, and match class codes correctly. No more guessing.

⸻

3. Focus on Workers’ Compensation Safety Programs

New York workers’ comp is brutal. But here’s the thing: carriers look for safety initiatives like fall-protection training, drug testing, return-to-work programs, and regular toolbox talks. Show them you’re serious about safety and you can qualify for credits or better-rated carriers.

Street-smart move: Document everything. Create a safety manual, hold weekly safety meetings, and keep sign-in sheets. Carriers love paper trails.

⸻

4. Know Your Subcontractor Risk—Don’t Take It On Yourself

If you hire uninsured or underinsured subcontractors, you’re basically paying their insurance bill through your own policy. In New York, this can wreck your general liability costs because carriers treat subs like they’re your employees if you don’t have proper agreements in place.

Street-smart move: Always collect certificates of insurance, require additional insured status on a primary and non-contributory basis, and use contracts that transfer risk downstream.

⸻

5. Clean Up Your Loss Runs

When an underwriter sees open claims or messy loss runs, they pad your premium. Many contractors don’t realize they can negotiate reserves or even close claims faster.

Street-smart move: Get quarterly loss run reports, challenge reserves that are too high, and push adjusters to close claims. A clean loss history is gold when shopping your insurance.

⸻

6. Bundle Policies and Negotiate Package Credits

Carriers like writing multiple lines of business for the same contractor—general liability, auto, umbrella, and inland marine. When you bundle, you can negotiate package credits that knock real money off the bottom line.

Street-smart move: Don’t spread your policies across five different brokers. Consolidate with one broker who can leverage the full account.

⸻

7. Watch Out for Killer Exclusions

Cheap policies are loaded with exclusions that leave you exposed. Height restrictions, action-over exclusions, residential exclusions, and subcontractor exclusions are common in New York. They might save you a few dollars today but cost you hundreds of thousands tomorrow.

Street-smart move: Review exclusions with an expert who understands New York contractor risks. Saving money the right way means cutting fat, not protection.

⸻

8. Keep Your Fleet Clean and Drivers in Line

Commercial auto rates are climbing fast in New York. Tickets, accidents, and bad drivers are the main culprits. If you don’t manage your fleet, carriers will keep jacking up your premiums.

Street-smart move: Run motor vehicle reports before hiring drivers, enforce a strict no-cell-phone policy, and install telematics if possible. Fewer accidents = lower insurance.

⸻

9. Improve Your Credit and Financial Presentation

Underwriters don’t just look at your safety—they look at your financials. Contractors with strong credit, organized books, and clear financial statements are seen as lower risk and get better pricing.

Street-smart move: Clean up your books, work with a CPA, and present yourself like the professional contractor you are. Insurance companies reward stability.

⸻

10. Work With a Specialist Broker—Not a Generalist

This is the biggest money-saver of them all. Too many New York contractors rely on generalist insurance agents who don’t know the ins and outs of the New York construction market. That’s like hiring a handyman to do high-rise steel.

Street-smart move: Work with a broker who lives and breathes construction insurance, knows how to navigate Scaffold Law exposure, and has direct access to the right carriers.

That’s where BGES Group comes in.

⸻

Why New York Contractors Choose BGES Group

At BGES Group, we’re not just another insurance agency—we’re one of New York’s top construction insurance specialists. For decades, we’ve helped contractors of every size slash their insurance costs while protecting their businesses from the unique risks of working in New York.

Here’s what sets us apart:

• We know the New York market inside and out. Scaffold Law, action-over exclusions, subcontractor risk—we deal with it every day.

• We work with multiple carriers to get you the best deal. One agent, one renewal, many options.

• We fight for you at audit time. We help you prepare payroll, subcontractor records, and documentation so you don’t get crushed by surprise bills.

• We’re available when you need us. Call us, text us, email us—we pick up. Contractors can’t afford to wait.

If you want street-smart insurance strategies that actually save money, talk to us before your next renewal.

⸻

Contact BGES Group Today

📞 Call or Text: Gary Wallach, 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

Don’t wait until your renewal is a week away. Get ahead of the game and let BGES Group show you how to cut your business insurance costs in New York without cutting your coverage.

⸻

Final Word

New York contractors already deal with enough headaches—owners, GCs, OSHA, and tight margins. Your insurance bill shouldn’t be another killer. By taking a street-smart approach—from cleaning up your payroll records to working with a true construction insurance specialist—you can save thousands each year and keep your business protected.

When your policies come up for renewal, call BGES Group. We know how to fight for contractors, and we’ll make sure you never overpay for coverage again.

If you’re a New York contractor, there’s a good chance your workers compensation coverage is written through the New York State Insurance Fund (NYSIF). NYSIF has been a trusted source of protection for decades, providing affordable coverage backed by the State of New York. But many contractors don’t realize that their NYSIF policy may leave them exposed when they work across state lines in places like Connecticut, New Jersey, or Pennsylvania.

If your crews are spending weeks—or even months—working outside of New York, you may not be properly covered. That can lead to denied claims, state fines, contract disputes, and in the worst cases, lawsuits or out-of-pocket liability.

This article explains what contractors need to know about working out of state with an NYSIF policy, how Endorsement #127 works, the risks of relying on it, and the steps you can take to stay compliant and protected.

---

The Risk: Working Out of State With a NYSIF Policy

Workers compensation is regulated on a state-by-state basis. Each state has its own laws about who must be covered, how benefits are paid, and what employers must carry.

Here’s where problems begin for New York contractors:

• NYSIF policies are designed for New York operations.
• If your employees are working full-time in another state for an extended period, that state may require you to carry a valid in-state workers comp policy.
• NYSIF’s basic policy language often won’t satisfy those requirements beyond temporary or incidental work.

Imagine this scenario: A New York contractor wins a two-month project in Connecticut. The crew reports daily to the Connecticut jobsite. If an employee is injured there, the state of Connecticut may expect coverage to be provided by a policy that complies with Connecticut’s workers comp law. But if you only have an NYSIF policy, you may be out of compliance—and at risk of penalties or uncovered claims.

---

Step One: Add Endorsement #127 to Your NYSIF Policy

The first tool contractors should know about is Endorsement #127, which can be added to your NYSIF policy.

This endorsement allows your coverage to extend temporarily outside of New York. It’s especially useful for contractors who occasionally take jobs in nearby states but whose business is still primarily in New York.

What Endorsement #127 Does

• Covers employees working temporarily out of state.
• Ensures a claim won’t automatically be denied just because an accident happened outside of New York.
• Helps you satisfy contract requirements when general contractors or project owners ask for proof of coverage in another state.

The Limitation Contractors Must Understand

Here’s the critical detail: Endorsement #127 applies New York workers compensation law and benefit levels, even when the injury occurs out of state.

That means your employee’s benefits are calculated under New York’s system, not the state where the injury occurred.

Why does this matter? Because some states provide more generous benefits than New York. If your employee decides to file their claim in the other state—and they are eligible to do so—you could be held responsible for paying the difference between New York’s benefits and that state’s higher benefits.

For example:

• An employee is injured while working a multi-week project in New Jersey.
• Under NYSIF with Endorsement #127, the employee would be covered under New York’s workers compensation benefit schedule.
• If New Jersey’s system offers higher payments for medical benefits, wage loss, or permanent disability, the worker may file their claim in New Jersey.
• Your company could then be on the hook for the gap in benefits not covered by your NYSIF policy.

So while Endorsement #127 is a smart first step, it’s not a complete solution for long-term or recurring out-of-state work.

---

NYSIF’s Program for Out-of-State Operations

Recognizing that many contractors now cross state lines regularly, NYSIF has created a program that allows policyholders to purchase out-of-state coverage while keeping their primary policy in New York.

Here’s how the program works:

• Your majority of payroll must remain in New York.
• You can request additional workers compensation policies through NYSIF to cover operations in other states like Connecticut, New Jersey, or Pennsylvania.
• This allows you to stay compliant with those states’ laws while continuing to maintain your core coverage through NYSIF.

This option is a great solution for contractors who take on repeat projects across state lines but don’t want the hassle of finding separate insurance carriers in each state. It keeps your coverage unified while ensuring compliance and claim protection.

---

Alternative Solutions for Contractors

While NYSIF offers strong solutions for many contractors, it’s not the only option. Depending on your business model, project size, and payroll structure, there may be better fits. At BGES Group, we specialize in helping contractors find the right workers compensation program, including:

1. Private Insurance Company Plans – Some private insurers can write multi-state workers compensation policies that avoid the limitations of NYSIF’s Endorsement #127.
2. Payroll/Workers Comp Plans – These programs combine payroll processing with workers compensation coverage. They make compliance simple and often provide automatic multi-state coverage.
3. Professional Employer Organization (PEO) Programs – PEOs handle payroll, HR, and workers comp under one umbrella. They can seamlessly provide coverage for employees working across multiple states, making them ideal for contractors who regularly cross state borders.

---

Why Work With BGES Group?

At BGES Group, we are workers compensation specialists for contractors. Our team understands the complexities of NYSIF coverage, endorsement #127, and out-of-state requirements. We also know when NYSIF isn’t the best fit and when contractors should consider alternatives.

Here’s what we offer:

• Deep knowledge of NYSIF policies and how to structure them properly.
• Access to private insurance carriers that can provide broader out-of-state coverage.
• Payroll/wc and PEO programs to simplify compliance and operations.
• A focus on contractors’ unique risks and exposures.

When you work with BGES Group, you’re not just buying an insurance policy—you’re getting a partner who makes sure your workers comp is compliant, cost-effective, and tailored to your business.

---

Don’t Leave Out-of-State Work to Chance

Too many contractors assume their NYSIF workers compensation policy covers them everywhere. But if you’re working for weeks at a time in Connecticut, New Jersey, Pennsylvania, or beyond, you may be putting your business at risk.

• Add Endorsement #127 if you take on short-term out-of-state work, but remember it applies New York benefit laws only.
• If employees file claims in another state with richer benefits, you could be liable for the difference.
• For longer-term projects, consider NYSIF’s out-of-state program or alternative insurance solutions.
• Work with a specialist like BGES Group to avoid costly mistakes.

---

Contact BGES Group Today

📍 BGES Group

📞 Phone: 914-806-5853 – Gary Wallach
📧 Email: bgesgroup@gmail.com

👉 Whether you need NYSIF expertise, private workers compensation carriers, payroll/wc solutions, or full-service PEO programs, BGES Group is here to help. We specialize in protecting contractors and keeping them compliant in New York, New Jersey, Connecticut, and beyond.

---

Final Word

The construction business is competitive, and many New York contractors expand across state lines to grow. But don’t assume your NYSIF workers compensation policy automatically follows you.

By understanding Endorsement #127, its limitations, and NYSIF’s out-of-state program, you can protect your workers, safeguard your company, and win jobs confidently.

With BGES Group as your partner, you’ll have a workers compensation specialist on your side—helping you stay covered, compliant, and focused on building your business.

For contractors in today’s construction market, one of the biggest challenges is figuring out how much liability insurance is “enough.” Between client demands, complex contracts, and the risks that come with every job site, it’s not as simple as buying a standard Commercial General Liability (CGL) policy and calling it a day. The truth is, your liability limits can make or break your ability to secure projects, protect your business, and avoid costly disputes.

In this article, we’ll break down what contractors should consider when deciding on liability limits, how contract requirements play a role, why additional insured endorsements matter, and what it means for your protection when others are named on your policy. Finally, we’ll introduce you to BGES Group, a trusted insurance partner serving contractors in New York, New Jersey, and Connecticut.

---

Why Liability Insurance Matters More Than Ever

Every project you take on carries inherent risks—bodily injury, property damage, completed operations claims, and more. Liability insurance is designed to protect you from lawsuits and claims that could otherwise cripple your business.

But here’s the catch: liability insurance isn’t just about covering accidents. It’s about meeting client requirements and positioning yourself as a professional, reliable contractor who can take on bigger, better jobs. Without adequate coverage, you risk losing contracts or facing devastating out-of-pocket costs.

---

Contract Requirements: The First Factor to Consider

For most contractors, liability limits aren’t determined by preference—they’re dictated by the contracts you sign.

• Owner and Developer Requirements: Many project owners will specify the minimum CGL limits required before you can step foot on the job. A small residential remodel may only require $1 million per occurrence, while a commercial development might demand $5 million or more in total coverage.
• Municipal and Government Work: Public projects often have stricter insurance requirements, including higher limits and specific endorsements, before permits are even issued.
• General Contractor/Subcontractor Agreements: If you’re a subcontractor, your general contractor may require that you carry equal or greater limits than they do, plus name them as an additional insured.

Bottom line: before bidding on any job, carefully review the insurance provisions in the contract. This will help you determine whether your existing policy is sufficient—or if you need to increase your limits to compete.

---

Project Size and Scope: Tailoring Coverage to the Job

Even if your contracts don’t specify limits, the type of work you perform should guide your decision.

• Small Jobs: Residential repairs or maintenance work may only justify lower liability limits.
• Mid-Size Projects: Facade restoration, roofing, or interior renovations typically require higher limits due to greater exposure.
• Large-Scale Construction: Ground-up builds, structural work, or projects with cranes and heavy equipment can present multimillion-dollar risks, often requiring excess liability (umbrella) policies.

A good rule of thumb: the bigger the job, the higher the limits you should carry.

---

Additional Insureds: Transferring Liability—But at a Cost

One of the most overlooked parts of liability insurance is the additional insured requirement.

When you name a client, general contractor, or property owner as an additional insured, you are extending your insurance protection to them. This is designed to transfer liability away from them and onto you.

For example, if a third party sues both you and the property owner for a jobsite accident, your insurance could end up defending and paying on their behalf.

While this is standard in construction, contractors often don’t realize the downside:

• Shared Limits: Every dollar spent defending or indemnifying an additional insured comes out of your policy limits.
• Depleted Protection: If multiple parties are added as additional insureds—and claims arise—you could see your own coverage depleted before it’s needed to defend your business.
• Ongoing Obligations: Some contracts require that you keep the client listed as an additional insured even after the project is completed, exposing you to long-tail risks.

This doesn’t mean you can avoid granting additional insured status. But it does mean you need to carefully weigh your limits and possibly increase them to ensure you’re not left exposed.

---

Balancing Risk Transfer and Self-Protection

In construction, risk transfer is part of the game. You’ll transfer some risks downstream to subcontractors, while upstream parties will push them onto you. The key is to strike a balance:

• Get Certificates from Subcontractors: If you use subcontractors, require proof of insurance naming you as an additional insured.
• Review Contracts Before Signing: Don’t blindly accept terms that overextend your liability.
• Work with an Insurance Professional: A knowledgeable broker can help negotiate terms, secure endorsements, and structure your coverage so that you’re not carrying more than your fair share.

---

So, How Much Liability Coverage Do Contractors Need?

There’s no one-size-fits-all answer, but here’s a practical framework:

1. Start with at least $1,000,000 per occurrence / $2,000,000 aggregate—the industry baseline for most contractors.
2. Add excess liability (umbrella) coverage to meet contractual demands or if you regularly work on larger projects. Limits can range from $2 million to $10 million or more, depending on the job size.
3. Adjust based on contracts and project type. Always let your work and your clients’ requirements guide your limits.

Remember: the cost of carrying higher limits is small compared to the financial devastation of an uncovered claim.

---

Who We Are: BGES Group

At BGES Group, we specialize in serving contractors just like you. For decades, we’ve helped construction businesses across New York, New Jersey, and Connecticut secure the liability protection they need to compete, grow, and thrive.

Our team understands the unique challenges contractors face—contract requirements, certificates of insurance, additional insured endorsements, and risk transfer. We know the local market, the carriers, and the pitfalls that trip up contractors who try to navigate insurance on their own.

When you work with BGES Group, you get more than just a policy. You get a partner who will:

• Review your contracts and advise on insurance requirements.
• Help you structure your coverage to protect against both jobsite risks and additional insured obligations.
• Provide fast turnaround on certificates so you never lose time waiting for paperwork.
• Offer guidance on risk management so you can reduce claims and keep premiums competitive.

---

Contact BGES Group Today

If you’re a contractor in New York, New Jersey, or Connecticut and you’re asking yourself, “Do I have enough liability coverage?”—it’s time to talk to BGES Group.

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

Don’t leave your business exposed. Let BGES Group help you determine the right coverage, navigate complex requirements, and secure the protection you need to grow with confidence.

New York is one of the toughest states in the country for contractors when it comes to business insurance. One major reason is Labor Law 240/241, better known as the Scaffold Law. This unique law places absolute liability on contractors and property owners for gravity-related accidents—falls from heights or falling objects—even if the worker was partially or fully at fault.

Unlike most states where comparative negligence applies, in New York, if a worker is injured in a fall, the contractor and property owner are almost always responsible. The result? Higher claims, more lawsuits, and skyrocketing insurance premiums. For contractors, understanding how this law impacts general liability coverage is critical to staying in business.

⸻

How the Scaffold Law Impacts Contractor General Liability Rates

Insurance companies know that New York’s Scaffold Law leads to frequent, costly claims. Jury awards often run into the millions of dollars. Because of this:

• General liability premiums are much higher in New York compared to other states.

• Many carriers will not write coverage at all for contractors working in the five boroughs.

• Some insurers impose strict underwriting guidelines, requiring detailed safety programs and strong contractual risk transfer with subcontractors.

For a contractor, this means insurance costs can easily be one of your largest business expenses—sometimes more than payroll or equipment financing.

⸻

Exclusions That Can Leave Contractors Exposed

Even when you secure general liability coverage, you need to carefully review the policy exclusions. Insurance carriers often use endorsements to limit their exposure under the Scaffold Law. If you’re not careful, you may think you’re covered when you’re not. Here are three of the biggest exclusions New York contractors must watch for:

1. Height Restrictions

Some policies exclude coverage for work above a certain number of feet—often two stories or 15 feet. This type of exclusion is devastating for roofers, scaffold erectors, steel workers, and any contractor involved in multi-story buildings. A single uncovered claim could bankrupt a business.

2. Employee Injury Exclusions

General liability insurance is designed to cover third-party claims, not injuries to your own employees—that’s what workers’ compensation is for. However, insurers sometimes broaden this exclusion, removing coverage for injuries to employees of subcontractors or anyone considered an employee by law. Under the Scaffold Law, these exclusions can leave contractors without protection when a subcontractor’s worker files a claim.

3. Action Over Exclusions

One of the most dangerous endorsements contractors face in New York is the Action Over Exclusion. This eliminates coverage for lawsuits brought by injured employees or subcontractor employees who sue an owner, developer, or general contractor—and then that party brings action “over” against your company.

Here’s why it matters:

• Scaffold Law claims are almost always action over claims.

• Even if you have workers’ comp, an injured worker can sue the owner or GC, who then brings you into the lawsuit.

• If your policy has an action over exclusion, your insurance company may deny the claim outright—leaving you with no coverage for legal defense or damages.

This single exclusion has bankrupted contractors who thought they were covered.

⸻

Why Standard Policies Aren’t Enough in New York

Because of these exclusions, a “standard” general liability policy is often inadequate for New York contractors. You need to work with a broker who:

• Knows which carriers will write Scaffold Law–exposed risks.

• Can negotiate broader coverage without dangerous exclusions.

• Understands how contracts with general contractors, owners, and municipalities affect your insurance requirements.

Choosing the wrong broker or relying on a cheap policy that looks good on paper can destroy your business when a claim happens.

⸻

How BGES Group Protects New York Contractors

This is where BGES Group comes in. For over 44 years, BGES Group has specialized in helping contractors navigate New York’s complex insurance landscape. We’re not a large, impersonal agency where one account executive manages 200 accounts. At BGES Group:

• Personalized Service: Our account executives typically handle fewer than 50 accounts each, meaning you get the attention and expertise your business deserves.

• New York Construction Experts: Unlike generalist agencies, we live and breathe New York construction insurance. We know the carriers, the exclusions, and the strategies to get you the best protection at the best rates.

• Hands-On Support: We don’t just place your policy and disappear. We help with certificates of insurance, contract reviews, claims assistance, and safety guidance to keep your premiums under control.

• Market Access: We work with the top admitted and surplus lines carriers willing to write Scaffold Law–exposed contractors. We know how to present your business to underwriters so you stand out as a safer, more insurable risk.

When other agencies say “it can’t be done” or push you toward a stripped-down policy full of exclusions, BGES Group finds real solutions.

⸻

What Makes Us Different From Other Agencies

Most agencies:

• Don’t specialize in construction.

• Assign inexperienced account managers to your business.

• Sell the cheapest policy to win the account, leaving you exposed.

• Fail to explain dangerous exclusions hidden in your policy.

BGES Group is different because we:

• Focus exclusively on construction insurance with a heavy emphasis on New York contractors.

• Review every endorsement to eliminate hidden gaps in coverage.

• Negotiate on your behalf with underwriters who trust our expertise.

• Educate you about your risks, so you understand what’s covered and what’s not.

• Give you direct access to senior professionals—not a revolving door of junior staff.

In short, we put ourselves on your side, making sure you’re protected before the claim—not after.

⸻

Don’t Let Insurance Be the Reason You Lose Work

New York contractors already face enormous challenges—tight margins, labor shortages, material costs, and regulatory compliance. Insurance shouldn’t be another obstacle. By partnering with BGES Group, you can:

• Lower your liability premiums with smart risk management and underwriting strategies.

• Win more jobs by providing the correct certificates of insurance that meet contract requirements.

• Protect your business assets from devastating Scaffold Law claims.

⸻

Contact BGES Group Today

Don’t leave your business exposed to New York’s Scaffold Law. Let BGES Group help you secure the right coverage, at the right price, with the right support.

📞 Call: Gary Wallach – (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

With BGES Group on your side, you can focus on building New York—while we focus on protecting you.