New York City and its surrounding areas are packed with incredible spots to grab a quick, satisfying lunch—especially for hardworking contractors who need a meal that fuels the rest of the workday. Whether you’re looking for a classic deli sandwich, a loaded hero, or something a little more gourmet, we’ve got you covered.

Here are 20 of the best places in New York for contractors to grab lunch—ranked not just on taste, but on size, speed, and the all-important bang for your buck.

1. Katz’s Delicatessen (Lower East Side, Manhattan)

The legendary Katz’s is a must-visit for any sandwich lover. Their Pastrami on Rye is stacked sky-high, juicy, and perfectly seasoned. It’s a little pricey, but one sandwich is enough to keep you full all day.

2. Defonte’s Sandwich Shop (Brooklyn & Staten Island)

Defonte’s has been serving up massive Italian sandwiches since 1922. Try the Nicky Special—a loaded hero with fried eggplant, ham, salami, mozzarella, and more.

3. John’s Deli (Bensonhurst, Brooklyn)

Famous for their hot roast beef sandwich with fresh mozzarella and gravy, John’s Deli is where you go when you need something hearty. The “Hero of the Gods” lives up to its name.

4. Leo’s Latticini (Mama’s of Corona, Queens)

If you’re working in Queens, Leo’s is a must. The Mama’s Special—fresh mozzarella, salami, and peppers—is legendary.

5. Liebman’s Deli (Bronx)

Located in Riverdale, Liebman’s is one of the last authentic Jewish delis in the Bronx. The corned beef and pastrami combo is a must-try.

6. Fiore’s Deli (Hoboken, NJ – Worth the Drive!)

If you’re working near Jersey, Fiore’s roast beef with mutz (mozzarella) and gravy is one of the best sandwiches in the Tri-State area. Pro tip: Go on Thursday or Saturday when they serve it fresh.

7. Faicco’s Italian Specialties (Greenwich Village, Manhattan)

A butcher shop that makes next-level Italian sandwiches. The chicken cutlet with fresh mozzarella, roasted peppers, and balsamic is out of this world.

8. Sal, Kris & Charlie’s Deli (Astoria, Queens)

Home of the Bomb, an overstuffed hero with everything you can imagine. Contractors love this spot for a reason—big portions, reasonable prices, and quick service.

9. Anthony & Son Panini Shoppe (Williamsburg, Brooklyn)

Their Godfather Panini is a local favorite, stacked with Italian meats, fresh mozzarella, and roasted peppers, pressed to perfection.

10. This Little Piggy Had Roast Beef (East Village, Manhattan)

A no-frills spot with juicy roast beef sandwiches served up in two styles: The “This Way” (cheese sauce) and The “That Way” (au jus and fresh mozzarella).

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Need Contractor Insurance? Let’s Talk About It.

As a contractor, you’re always on the move—whether it’s grabbing lunch or heading to a job site. But are you covered where it matters most?

BGES Group, led by industry expert Gary Wallach (914-806-5853), specializes in helping New York contractors find the best coverage for:

✅ General Liability Insurance
✅ Workers’ Compensation
✅ Umbrella Policies
✅ Payroll & Group Health Insurance Options

Whether you’re a general contractor, roofing specialist, or tradesperson, BGES Group offers affordable, customized policies that keep you protected.

📞 Call Gary today at 914-806-5853 or email bgesgroup@gmail.com to learn more.

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11. Milano Market (Upper East Side, Manhattan)

A contractor favorite for high-quality deli sandwiches. The Chicken Italiano is a must-try, with thin-sliced chicken cutlet, fresh mozzarella, and balsamic glaze.

12. Lioni Italian Heroes (Bensonhurst, Brooklyn)

With over 150 sandwiches on the menu, Lioni’s is a legendary stop for massive, delicious heroes. Try the Joe Pesci—chicken cutlet, fresh mozzarella, and vodka sauce.

13. Parisi Bakery (Little Italy, Manhattan)

A classic Italian bakery serving legendary cold-cut sandwiches. The Italian Combo is one of the best in the city.

14. Tino’s Delicatessen (Bronx – Near Arthur Ave.)

A hidden gem near Arthur Avenue, Tino’s serves incredible Italian sandwiches. The Prosciutto, Mozzarella & Arugula Hero is a must.

15. Sergimmo Salumeria (Hell’s Kitchen, Manhattan)

A go-to spot for Italian-style sandwiches with homemade mozzarella. The Porchetta Hero is pure perfection.

16. Court Street Grocers (Brooklyn & Manhattan)

Known for their creative sandwiches, the Italian Combo with house-made spicy spread is a knockout.

17. Albanese Meats & Poultry (Little Italy, Manhattan)

An old-school butcher shop that serves next-level meatball sandwiches. If you love homemade, saucy meatballs, this is the spot.

18. Breslin Burger Joint (Flatiron, Manhattan)

If you’re in the mood for a burger instead of a sandwich, the lamb burger at The Breslin is one of the best in NYC.

19. Joe’s Steam Rice Roll (Queens & Manhattan)

For a different kind of sandwich, try a Hong Kong-style rice roll—soft, savory, and packed with fillings like BBQ pork, beef, and shrimp.

20. Sunny & Annie’s (Alphabet City, Manhattan)

A bodega with gourmet sandwiches, including the Vietnamese-inspired “Pho Real” sandwich loaded with roast beef, basil, hoisin sauce, and Sriracha.

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BGES Group: The Experts in Contractor Insurance

If you’re a New York contractor, you know that finding the right insurance coverage is just as important as finding the best lunch spot.

BGES Group specializes in:

✔️ General Liability & Umbrella Insurance
✔️ Workers’ Compensation Solutions
✔️ Payroll & Group Health Options

Led by Gary Wallach, BGES Group takes a boutique-style approach, offering expert guidance, competitive pricing, and top-tier service.

📞 Call Gary at 914-806-5853
📧 Email: bgesgroup@gmail.com
🌎 Website: www.bgesgroup.com

Don’t wait until you face a claim—get the right coverage before you need it.

Now that you know where to grab the best sandwiches and where to get the best contractor insurance, you’re all set for a productive, well-fed workday!

As a New York contractor, having a liability claim denied by your commercial general liability (CGL) insurance company can be a frustrating and costly experience. However, a denial does not mean the end of the road. There are several steps you can take to challenge the decision and potentially get the insurance company to cover your claim. This article provides a step-by-step guide on how to appeal a denied liability claim and what actions you can take to improve your chances of success.

Step 1: Review the Denial Letter Carefully

When your insurance company denies your claim, they will send a denial letter outlining the reasons. Carefully review this document to understand why the claim was denied. Common reasons for denial include:

• The claim falls under an exclusion in your policy.
• There was a lapse in coverage.
• The claim was filed late.
• The insurer believes you were negligent beyond what your policy covers.

Understanding the reason for denial will help you determine the best course of action.

Step 2: Review Your Policy

Next, obtain a copy of your CGL policy and go through it carefully. Look for language that might contradict the denial reasons. Pay close attention to:

• Covered events and exclusions
• Reporting requirements
• Endorsements that may modify coverage

If you find that the policy does indeed cover your situation, you will have strong grounds for an appeal.

Step 3: Gather Supporting Documentation

To strengthen your appeal, gather all necessary documents, including:

• The original contract related to the work in question
• Incident reports and photographs
• Witness statements
• Correspondence with the insurance company
• Any expert opinions or reports

Strong documentation can help you prove that your claim should be covered.

Step 4: File a Formal Appeal

Most insurance companies have an internal appeals process. Follow these steps:

1. Write a formal appeal letter addressing the denial reason and presenting evidence that supports your case.
2. Attach all relevant documentation to reinforce your argument.
3. Request a reconsideration of your claim based on the facts you provide.
4. Send the appeal via certified mail to ensure receipt.

Step 5: Engage a Legal or Insurance Professional

If your appeal is denied, consider consulting with an insurance attorney or a professional specializing in construction insurance, such as a broker. They can:

• Interpret complex insurance language
• Advocate on your behalf
• Negotiate with the insurance company

An experienced professional can make a significant difference in overturning a denial.

Step 6: File a Complaint with Regulatory Authorities

If you believe the denial is unfair or violates insurance regulations, you can file a complaint with the New York State Department of Financial Services (DFS). DFS oversees insurance practices and can review your case.

Step 7: Consider Litigation

If all else fails, you may need to take legal action against the insurance company. This should be a last resort due to the costs involved, but in some cases, a lawsuit can force the insurer to honor the policy.

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BGES Group: Experts in New York Construction Insurance

If you are a New York contractor facing an insurance denial, BGES Group is here to help. BGES Group specializes in New York construction insurance and has extensive experience dealing with liability claims and insurance disputes.

Why Choose BGES Group?

• Expertise in New York Construction Insurance – They understand the complexities of insurance policies specific to the construction industry.
• Mom-and-Pop Boutique Service – Unlike big insurance firms, BGES Group provides personalized service with a hands-on approach.
• Advocacy for Contractors – They work diligently to ensure you have the right coverage and assist in appealing denied claims.

Contact BGES Group

• Gary Wallach
• Phone: 914-806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com

If you need help appealing a liability claim denial or ensuring you have the right insurance coverage, reach out to BGES Group today!

When it comes to securing workers’ compensation insurance, contractors need to make informed decisions to ensure they are getting the best coverage at the most competitive rates. Without proper coverage, contractors risk compliance issues, financial burdens, and potential business interruptions. If you’re searching for “affordable workers’ compensation insurance for contractors,” “best workers’ comp insurance for construction companies,” or “workers’ comp insurance in New York and New Jersey,” you’ve come to the right place.

Here are five critical factors every contractor should consider before purchasing a workers’ compensation policy:

1. Long-Term Coverage Stability for Contractors

Not all insurance carriers offer the same level of long-term stability. As a contractor, you want to ensure that the insurance company you choose has a strong track record of supporting businesses in the construction industry. A reliable carrier provides consistent rates, ensures minimal disruptions in coverage, and offers robust claims management.

If you frequently search for “best workers’ compensation providers for contractors” or “stable workers’ comp insurance for construction,” you need to look at the insurer’s financial strength, history of rate fluctuations, and commitment to contractors over the long haul. The last thing you want is to be dropped by your carrier or see your premiums skyrocket unexpectedly.

2. Coverage in All States Where You Operate

Many contractors operate in multiple states, which can create coverage gaps if their policy isn’t structured correctly. For example, if your main office is in Staten Island but you frequently take on projects in New Jersey for extended periods, a state-specific plan may not provide the coverage you need.

If you’re searching for “multi-state workers’ comp insurance for contractors” or “workers’ compensation for out-of-state jobs,” ensure your policy extends to every state where your employees work. This will prevent unexpected denials and costly out-of-pocket expenses if a worker is injured while working outside of the primary coverage area.

3. Proper Payroll Classification to Avoid Overpaying

Workers’ compensation premiums are based on your payroll classification codes, and each trade within construction has different rates. A general contractor may have employees performing carpentry, drywall, and tiling—all of which have different class codes. If your payroll isn’t properly separated by class code, you could end up overpaying significantly.

Common Google searches like “how to lower workers’ compensation premiums for contractors” or “correct workers’ comp classification codes” highlight how important this issue is. A knowledgeable insurance broker can help ensure payroll is accurately classified so that you don’t pay higher rates than necessary.

4. Experience Modification Factor (EMR) – Key for Winning Jobs

Your Experience Modification Factor (EMR) is a crucial factor in determining your workers’ compensation premium and your ability to secure contracts. A high EMR (debit mod) means you’ve had more claims than your industry average, which can make it difficult to win new projects. A low EMR (credit mod) can save you money on premiums and make your business more attractive to clients.

If you’re typing “how to reduce my workers’ comp EMR” or “workers’ compensation impact on construction bids,” you know how vital this number is. Ensuring your EMR is accurate and working to lower it can make a huge difference in the success of your business.

5. Pay-As-You-Go Programs for Seasonal Work

For many contractors, especially after a tough winter like 2024-2025, business slows down, and cash flow becomes tight. Traditional workers’ compensation policies require large upfront premium payments based on estimated payrolls, which can be a burden when work is inconsistent.

If you’re looking for “pay-as-you-go workers’ compensation insurance for contractors” or “low-cost workers’ comp insurance based on payroll,” you’ll want a policy that allows premium payments based on actual monthly payroll instead of estimated annual payroll. This can help you manage costs more effectively and avoid large audit adjustments.

6. NYCPAP Credit – A Potential 19% or Higher Savings

Many New York contractors miss out on significant savings simply because their broker doesn’t apply for the NYCPAP credit. This credit can reduce workers’ compensation costs by 19% or more, but it requires proper application and documentation.

If you’ve been searching for “NYCPAP credit for contractors” or “how to reduce New York workers’ comp insurance costs,” this is one of the easiest ways to save money. Make sure you’re working with a knowledgeable broker who proactively applies for this credit on your behalf.

Need Help Finding the Best Workers’ Compensation Insurance? Contact BGES Group

If you need assistance securing workers’ compensation insurance tailored to contractors, BGES Group specializes in workers’ compensation coverage for New York, New Jersey, and the Tri-State area. We offer the best plans and ensure you get all available credits and savings.

Contact Gary Wallach at BGES Group:

• Phone: 914-806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com

Don’t leave your workers’ compensation coverage to chance. Let BGES Group help you secure the best plan for your business today! Whether you need “workers’ comp insurance for contractors in NYC,” “best rates for construction workers’ comp,” or “multi-state workers’ compensation insurance,” we have the solutions you need.

As a contractor in New York, having the right liability and workers’ compensation insurance is crucial to running a successful business. However, what happens if your insurance provider decides not to renew your policies? Many contractors find themselves scrambling at the last minute to secure coverage, often facing limited options and higher costs.

The best approach is to start preparing at least three months before your policies renew. This gives you ample time to explore your options, gather necessary documents, and work with a knowledgeable broker who understands the complexities of construction insurance. Here’s what you need to do to ensure you secure the best coverage at competitive rates.

Preparing for General Liability Insurance Quotes

To obtain accurate and competitive general liability insurance quotes, you will need to provide the following:

1. Copy of All Current Policies in PDF Format
   Having digital copies of your policies ensures that potential insurers can quickly assess your current coverage and terms.
2. Completed Contractor Liability Questionnaire
   This document outlines the nature of your business, past claims, and specific coverage needs.
3. List of Past Insurance Carriers (Five-Year History)
   Insurers will want to see who your previous liability, workers’ compensation, and business auto providers were to evaluate your risk history.
4. Five-Year Loss Runs for Liability, Workers’ Compensation, and Business Auto
   These reports show your claims history and are critical in determining the level of risk associated with insuring your business.
5. Subcontractor Agreements and Certificates of Insurance
   If you use subcontractors, you must provide at least two signed and executed insurance and hold harmless agreements, along with their corresponding certificates of insurance. This demonstrates that you properly vet and manage risk within your subcontractor network.
6. Written Safety Manual
   A well-documented safety program is a major factor in obtaining favorable rates. It shows insurers that you prioritize workplace safety and have protocols in place to mitigate risks.
7. Resumes for Business Owners
   Providing a detailed resume helps insurers understand your experience and qualifications in the industry.
8. Detailed Description of Upcoming Work
   Avoid using vague or overly broad descriptions of your work. Instead, be specific about the types of projects you will be undertaking over the next 12 months. If you perform height work, break it down by percentage and number of stories:
   • 50% of work is at one story
   • 80% of work is at two stories
   • 100% of work is at three stories
   Being precise about your operations helps underwriters assess your risk more accurately and prevents unnecessary premium increases.

Preparing for Workers’ Compensation Insurance Quotes

For workers’ compensation coverage, you’ll need to gather the following:

1. Completed Workers’ Compensation Questionnaire
   This form helps insurers understand your workforce size, job classifications, and payroll information.
2. Copy of Your Most Recent Experience Modification Worksheet
   Your experience modification factor (MOD) is a key determinant of your workers’ compensation premium. You can request this worksheet from your current insurance carrier.
3. Five-Year Loss Runs for Workers’ Compensation
   Like liability insurance, insurers will want to review your claims history to assess risk.
4. Most Recent Audit Report
   Your latest workers’ compensation audit provides insight into your payroll and classifications, which insurers use to calculate premiums.

Why Organization Matters

The more organized you are, the easier it will be to secure new coverage at favorable rates. Insurers prefer working with businesses that can provide clear, comprehensive documentation because it signals that you run a well-managed operation. By having all required documents ready before you start shopping for insurance, you increase your chances of securing coverage with minimal hassle.

How BGES Group Can Help

Navigating the insurance market can be challenging, especially when your policies are non-renewed. At BGES Group, we specialize in helping New York contractors secure the best liability and workers’ compensation coverage available. Our boutique-style service ensures that you work with one dedicated professional who knows your account inside and out—no repetitive questions or frustrating bureaucracy.

We provide expert guidance, ensuring that you meet all insurer requirements and present yourself as a well-prepared and low-risk candidate for coverage. Our team is sharp, experienced, and ready to help you secure the best possible rates.

Contact BGES Group Today

For personalized assistance in securing your liability and workers’ compensation insurance, contact:

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

Final Thoughts

Being proactive and organized can make all the difference when facing a non-renewal. Start preparing at least three months in advance, gather all required documentation, and work with an experienced insurance professional to secure the best coverage at the most competitive rates. With BGES Group by your side, you can navigate the process smoothly and ensure your business remains protected.

Choosing the right liability insurance is crucial for contractors to safeguard their business and assets. However, navigating through the options can often lead to common pitfalls. In this blog, we will explore the most prevalent mistakes contractors make when choosing liability insurance and provide guidance on how to avoid them.

1. Ignoring the Specifics of Coverage Needs

Contractors often make the mistake of not fully assessing their specific coverage needs. It’s vital to understand the nature of the projects you undertake and choose a policy that adequately covers all potential risks. For instance, a contractor specializing in residential remodeling might need different coverage than someone who works primarily on commercial properties. This distinction is important and can affect liability aspects, such as the scale of third-party damages or the potential for personal injury claims. An individualized approach not only prevents underinsurance but also avoids the unnecessary costs associated with overinsurance. Understanding the specifics of your operations is crucial for appropriate coverage.

Additionally, it’s crucial to recognize that as a contractor, your risk profile is unique and may not align with standardized insurance packages. Failure to customize your coverage can expose your business to liabilities that standard policies might not address, such as specialized equipment protection or niche project risks. Engaging with an insurance broker who specializes in the construction industry can help tailor a policy that accurately reflects your needs, minimizing financial exposure. Remember, the right insurance not only protects but also facilitates seamless project execution by covering unforeseen liabilities.

2. Opting for the Cheapest Premium

While saving money is important, selecting the cheapest premium can lead to inadequate coverage. It’s essential to balance cost with the amount of coverage provided to ensure sufficient protection. In the construction industry, unforeseen events can lead to financial implications that far exceed the initial savings of a cheaper premium. Many contractors fall into the trap of prioritizing upfront affordability without considering long-term security. This miscalculation can result in significant gaps in coverage, leaving businesses vulnerable to hefty claims. Thoroughly examining the breadth of coverage rather than merely considering the cost is critical for sustained protection.

3. Overlooking Subcontractor Insurance Requirements

Failing to verify the insurance coverage of subcontractors can leave contractors vulnerable. Make sure subcontractors have proper coverage to avoid being held liable for their mistakes. Including insurance verification as a part of your hiring process ensures that all parties working on a project are adequately protected. This step not only mitigates risk but also fosters a professional relationship based on trust and accountability. Neglecting subcontractor insurance can transfer the burden of their mistakes directly to your company, potentially impacting your financial health and business reputation. Always include this verification in your contractual agreements to secure your interests.

Furthermore, coordinate with subcontractors to align their coverage with your own policy limits and exclusions. Gaps in subcontractor coverage might leave your business exposed to shared liabilities, especially when project scopes overlap. Address these discrepancies proactively by discussing insurance requirements during the subcontracting agreement phase. This conversation ensures that every aspect of the project is covered and that any potential discrepancies are identified and resolved early on. Employing a thorough subcontractor risk management strategy solidifies your defense against unexpected claims, thereby preserving your project timelines and cost projections.

4. Not Updating Insurance When Business Changes

Contractors may forget to update their insurance policy when their business grows or changes. Regularly review and adjust your policy to reflect current operations and risks. Business evolution, whether through expansion, updated service offerings, or new project types, invariably alters the risk landscape. Failure to synchronize your insurance coverage with these changes leaves your business underprotected and potentially out of compliance with regulatory standards. Conducting annual insurance reviews provides an opportunity to assess new liabilities introduced by operational changes, keeping your coverage robust and reflective of present realities.

5. Misunderstanding Policy Exclusions

Not being aware of what is excluded from a policy can lead to gaps in coverage. Thoroughly review and understand all exclusions to avoid surprises when filing a claim. Policy documents often include dense legal jargon that can obscure critical details if not carefully examined. Exclusions, which define the scenarios and events not covered by your policy, can potentially result in significant out-of-pocket expenses in the event of a claim. Knowing these exclusions ensures you understand the limitations of your coverage and can arrange for additional top-up policies if necessary. For comprehensive protection, take the time to dive deeply into these sections of your insurance contract.

One common mistake is assuming all plausible project risks are automatically covered, leading to missed considerations of unique project traits that may not align with standard coverage criteria. Discuss potential grey areas and ambiguous exclusions with your insurance provider to gain clarity on your coverage obligations. Investing time in understanding your policy’s boundaries not only saves you from unexpected financial burdens but also empowers more informed decision-making in project management and client interactions. High awareness of policy exclusions fosters a proactive rather than reactive insurance strategy, integral for sustainable business resiliency.

6. Underestimating Potential Liability

It’s easy to underestimate the extent of potential liability claims. Always consider the worst-case scenarios and ensure your policy covers such situations. This approach requires envisioning the full scope of project risks—from the possibility of intense weather impacts on job sites to contractual disputes and workmanship errors that could lead to significant legal challenges. Many contractors downplay the probability of extreme events, assuming business-as-usual conditions will persist unfalteringly. However, incorporating an expansive view of risk potential enables more comprehensive policy structuring and better financial preparedness in challenging situations. Such holistic risk assessment should factor in historical claims data and industry-wide trends to optimize decision-making.

7. Failing to Shop Around for Quotes

Contractors may settle on the first quote they receive without comparing options. Shopping around can reveal better rates and coverage options that suit your business’s needs. Insurance providers differ significantly in pricing structures and coverage offerings, making comparison shopping a crucial exercise to extract optimal value. Requesting multiple quotes helps identify the approach different insurers take to evaluate your business and projects, providing insights into their risk appetite and flexibility in policy provisions. Moreover, engaging with multiple providers can yield strategic advantages in negotiation, enabling you to secure more favorable terms and tailored coverage solutions.

Aside from cost, diverse quotes allow scrutiny of differentiated services and the quality of customer support that each provider offers, factors pivotal for smooth claim processing and efficient problem-resolution. While comparing options, consider leveraging online resources and peer networks to identify reputable insurance entities centered on construction industry needs. This process helps build a comprehensive understanding of available services, streamlining policy selection. Contacting a local insurance broker can further assist in navigating the complexities of the landscape, especially when layers of regulations and specific project requirements are involved.

8. Overlooking the Insurer’s Credibility

The financial stability and reputation of the insurer matter greatly. Research and choose a reputable insurer to ensure they can handle claims efficiently. An insurer’s track record in fulfilling claim obligations and providing quality customer service significantly influences the reliability of the protection purchased. In an industry where trust is paramount, contractor businesses must prioritize due diligence regarding an insurer’s financial solvency, testimonials, and industry ratings. This investigation extends to analyzing how quickly claims are resolved and how transparent the insurer is in its practices, which collectively determine the peace of mind that comes from knowing support is readily available.

9. Ignoring Legal Advice

Skipping legal consultation can lead to selecting inappropriate coverage. Consult with a legal expert to evaluate what liability coverage is suitable for your specific situation. A legal advisor can provide invaluable insights into translating complex policy language and ensuring compliance with industry-specific regulatory requirements. They can help identify hidden clauses that might otherwise go unnoticed, and elaborate on the implications of certain exclusions and limitations related to your operations. Utilizing legal expertise ensures informed policy choices that align with both current and anticipated business activities, protecting you against costly oversights and leveraging strategic advantages for contractual engagements.

10. Neglecting to Review Policy Annually

Insurance needs can change over time. Regularly reviewing your policy ensures it stays aligned with your business growth and the types of projects you undertake. Annual reviews also provide an opportunity to re-assess the adequacy of current limits, deductibles, and endorsements, adjusting provisions to accommodate business evolution. Proactively engaging in periodic policy evaluations helps address potential coverage gaps evolving from shifts in business dynamics and economic climates. By maintaining updated and well-calibrated insurance practices, your coverage will reflect your company’s current status and anticipated trajectory, contributing to risk mitigation and fiscal assurance.

Additionally, insurance reviews should involve considering the implications of emerging risks, such as those associated with technological advancements and changing environmental regulations. By forecasting these variables into your coverage strategy, you fortify yourself against unexpected liabilities that align with the progression of industry standards and best practices. Partnering with an adept insurance consultant can facilitate the process of translating complex policy details into actionable insights, allowing you to capitalize on trends and regulatory innovations. Therefore, routine scrutiny and updating of policies is a prudent practice, conducive to achieving enduring protection and leveraging new opportunities.

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

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2025 – BGES Group

When you’re on the job site, nothing beats a quick, filling, and delicious sandwich to keep you going. Contractors need meals that are easy to eat, packed with protein, and won’t slow them down. Here are the 10 most favored sandwiches among contractors—and why they’ve earned a spot on this list.

1. The Classic Italian Hero

Packed with salami, ham, pepperoni, provolone, lettuce, tomato, and oil & vinegar on a crispy sub roll, the Italian hero is a go-to for contractors. It’s hearty, flavorful, and holds up well in a lunchbox.

2. Turkey and Avocado on Whole Wheat

A healthier option, turkey and avocado provide lean protein and good fats, keeping energy levels steady throughout a long day. Plus, whole wheat adds fiber for lasting fullness.

3. The Bacon, Egg, and Cheese (BEC) on a Roll

For early-morning job site warriors, nothing beats a BEC. It’s warm, filling, and gives you the energy to power through those early hours.

4. Roast Beef and Cheddar on a Kaiser Roll

Roast beef is rich in protein, and cheddar adds that perfect sharpness. The Kaiser roll holds up well, making it great for a worksite lunch.

5. The Meatball Sub

Messy? Maybe. But worth it? Absolutely. Meatballs smothered in marinara and melted mozzarella on a toasted sub roll deliver a hot, satisfying meal.

🚧 CONTRACTORS—DON’T GET CAUGHT WITHOUT LIABILITY INSURANCE! 🚧

Did you know? Accidents on the job can lead to massive legal and financial headaches. Protect your business with General and Umbrella Liability Insurance from BGES Group. We specialize in New York contractors’ insurance, offering top coverage at competitive pricing.

📞 Call Gary Wallach at 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: www.bgesgroup.com

6. The Grilled Chicken Club

A solid mix of protein and crunch, this sandwich combines grilled chicken, bacon, lettuce, tomato, and mayo on a fresh brioche bun. It’s filling without being too heavy.

7. Pulled Pork with Slaw on a Brioche Bun

Slow-cooked pulled pork topped with tangy slaw is a job site favorite. It’s packed with protein and flavor, making it an ideal lunchtime indulgence.

8. The Philly Cheesesteak

This sandwich, loaded with thinly sliced steak, grilled onions, and melted cheese on a hoagie roll, is a fan favorite for contractors working hard in the field.

9. Tuna Salad on Rye

A lighter option, tuna salad is packed with protein and omega-3s. Rye bread adds a sturdy texture and depth of flavor.

10. The Cuban Sandwich

Pressed to perfection, the Cuban features roast pork, ham, Swiss cheese, pickles, and mustard on crispy bread. It’s warm, flavorful, and keeps you going through long hours.

BGES Group: Protecting Tri-State Contractors with Top-Notch Insurance

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

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2025 – BGES Group

Contractors know the value of hard work, loyalty, and dependability—and they expect the same from their four-legged companions. Whether it’s a rugged dog that thrives on outdoor adventures or a faithful companion who sticks by their side on long job sites, certain breeds just fit the contractor lifestyle better. Here are the top 10 most favored dogs of contractors and why they make great worksite (or home office) partners.

1. Labrador Retriever – The Reliable Worker

Labradors are known for their intelligence, friendly demeanor, and willingness to work. Just like a contractor who never misses a deadline, Labs are dependable and always eager to please. Their even temperament makes them perfect for family life after a long day on-site.

2. German Shepherd – The Protector

A contractor’s work often takes them to different locations, sometimes in less-than-ideal areas. German Shepherds are natural protectors, offering both companionship and security. Their strong work ethic mirrors that of a dedicated contractor who gets the job done right.

3. Australian Shepherd – The Smart and Energetic Partner

Contractors appreciate efficiency, and few dogs can match the intelligence and agility of an Australian Shepherd. They thrive in active environments and are great at following commands, making them an ideal companion for contractors on the go.

4. Boxer – The Loyal Muscle

Much like a seasoned contractor, Boxers are strong, determined, and full of energy. Their playful nature provides a great stress reliever after long hours, and their muscular build makes them an intimidating presence when needed.

5. Border Collie – The Problem Solver

A contractor’s day is filled with troubleshooting, and Border Collies are natural problem solvers. Their ability to assess situations and react quickly makes them a perfect match for contractors who rely on quick thinking to keep projects on track.

⚠️ ATTENTION CONTRACTORS: WORKERS’ COMPENSATION INSURANCE MATTERS! ⚠️

Are you properly covered? A single workplace accident can cost thousands in claims, lawsuits, and lost productivity. BGES Group specializes in workers’ compensation insurance for New York, New Jersey, and Connecticut contractors.

✅ Competitive Pricing

✅ Expert Guidance

✅ Tailored Coverage

Protect your business today! Call Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com for a no-obligation consultation.

6. Rottweiler – The Tough and Dependable Guardian

Contractors respect strength and dependability, and Rottweilers have both in spades. They are fearless protectors and extremely loyal, making them excellent companions for contractors who want a strong, no-nonsense dog.

7. Siberian Husky – The Endurance Expert

For contractors working in colder climates or enduring long hours, a Husky’s stamina is inspiring. These hardworking dogs have a natural drive and can keep up with even the busiest professionals.

8. Golden Retriever – The Friendly Negotiator

Golden Retrievers are known for their friendly and approachable nature—perfect for contractors who spend time dealing with clients, suppliers, and subcontractors. Their calm demeanor makes them great stress relievers at the end of a long workday.

9. Doberman Pinscher – The No-Nonsense Partner

Fast, intelligent, and highly trainable, Dobermans make excellent protectors for contractors who need a dog that’s both loyal and watchful. Their sleek, muscular build adds to their impressive presence.

10. Jack Russell Terrier – The Small but Mighty Worker

Don’t let their size fool you—Jack Russells are packed with energy and determination. Much like a contractor juggling multiple jobs, these little powerhouses stay focused and never back down from a challenge.

BGES Group: Protecting Contractors Across the Tri-State Area

No matter what kind of contractor you are—general, electrical, roofing, masonry, or anything in between—you need solid insurance protection. At BGES Group, we specialize in workers’ compensation insurance for contractors across New York, New Jersey, and Connecticut.

Why Choose BGES Group?

✔ Specialized coverage for contractors

✔ Access to exclusive programs

✔ Personalized service from industry experts

📞 Call Gary Wallach today at 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: www.bgesgroup.com

Don’t wait until an accident happens—protect your business now!

New York State has some of the strictest workers’ compensation laws in the country. If you’re an employer and you failed to carry workers’ compensation insurance when required, you may have received a hefty penalty fine from the New York State Workers’ Compensation Board (NYS WCB). These fines can be financially devastating, but you do have options.

In this article, we’ll discuss what steps you can take if you’ve been hit with a workers’ compensation penalty, how to reduce or resolve the fine, and—most importantly—how to avoid future penalties by securing the right coverage through BGES Group, one of New York’s top insurance experts.

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Understanding Workers’ Compensation Penalties in New York

New York law mandates that nearly all businesses with employees carry workers’ compensation insurance. If you don’t, the state can issue significant fines, including:

• A daily penalty of $2,000 per 10-day period without coverage.
• An automatic penalty of $12,000 for businesses that go without coverage for more than a certain period.
• Additional fines for misclassifying employees as independent contractors when they should be covered under workers’ compensation.
• Liability for medical expenses and lost wages if an employee gets injured while uninsured.

These penalties can add up quickly, putting a severe financial strain on your business. However, the state does offer some avenues for relief if you act quickly.

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Steps to Take If You Receive a Workers’ Compensation Penalty

If you’ve been notified of a fine for not carrying workers’ compensation insurance, don’t panic. Follow these steps to mitigate the damage:

1. Review the Penalty Notice Carefully

First, make sure the penalty is valid. Sometimes, fines are issued due to administrative errors. Check:

• The period for which coverage was missing.
• Whether your business was legally required to carry workers’ comp during that time.
• Any inaccuracies in the notice, such as incorrect business details or misclassified employees.

If you believe there’s an error, you may be able to dispute the fine.

2. Contact the New York State Workers’ Compensation Board

Reach out to the NYS WCB as soon as possible. If your business had coverage but failed to report it properly, you might be able to resolve the issue without paying the fine. If you were uninsured, you might be eligible for a reduced penalty if you secure workers’ compensation insurance immediately.

3. Apply for a Penalty Reduction

New York offers a Penalty Reduction Program that allows some businesses to lower their fines. If you can show that the lapse in coverage was unintentional and that you’ve since obtained the required insurance, you may qualify for a reduction. Factors that could work in your favor include:

• A previously clean record with the NYS WCB.
• A short lapse in coverage.
• Immediate corrective action (securing insurance as soon as possible).

4. Set Up a Payment Plan

If your fine is significant and you cannot pay it all at once, New York may allow you to set up a payment plan. Contact the NYS WCB and ask about installment options to avoid further penalties and potential legal action.

5. Secure Workers’ Compensation Insurance Immediately

To prevent additional fines, you need to get insured right away. Not all insurance providers make the process easy, especially if you’ve had a lapse in coverage. This is where BGES Group can help.

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How BGES Group Can Help You Get Back on Track

BGES Group specializes in helping New York businesses secure the right workers’ compensation insurance, even if they’ve had trouble in the past. Whether you’re a contractor, manufacturer, trucking company, or any other type of business, BGES Group can find coverage that meets your needs and budget.

Why Choose BGES Group?

• Fast Coverage to Avoid Further Penalties – We help businesses secure workers’ comp insurance quickly to prevent additional fines.
• Expert Assistance in Complex Cases – If you’ve been denied coverage due to past issues, we can connect you with specialized programs.
• Affordable Rates – We work with multiple carriers to find the best coverage at the most competitive prices.
• Personalized Service – Unlike big insurance companies, we offer boutique-level service, ensuring that every client receives expert attention.

Industries We Serve

BGES Group provides workers’ compensation insurance for a variety of industries, including:

• Construction (including high-risk trades like roofing and demolition)
• Manufacturing
• Limousine and transportation services
• Moving and storage companies
• Trucking and logistics businesses

If you’ve been hit with a fine for lacking workers’ compensation insurance, BGES Group can help you turn things around.

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Avoid Future Penalties – Protect Your Business Now

Once you’ve resolved your workers’ compensation issue, make sure you stay in compliance going forward:

• Keep your policy active and up to date. Never let it lapse.
• Report any new employees properly. Misclassifying workers can result in fines.
• Work with an insurance expert like BGES Group. They can help you navigate the complexities of New York’s workers’ comp laws.

Being proactive about your insurance will not only keep you compliant but also protect your employees and your business from financial disaster in the event of a workplace injury.

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Need Workers’ Compensation Insurance? Contact BGES Group Today!

If you’ve received a workers’ compensation penalty or need help securing the right coverage, BGES Group is here to help.

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

Don’t wait until the penalties pile up—get your business covered today with BGES Group!

Running a contracting business in New York comes with significant risks, from workplace injuries to property damage and lawsuits. That’s why having the right contractors’ liability insurance is crucial to protect your business, employees, and assets. Whether you are a general contractor, subcontractor, or construction business owner, ensuring your Commercial General Liability (CGL) insurance and Umbrella Liability insurance have the proper coverage is essential.

In this guide, we’ll break down the key coverages you should have in your policies, the importance of New York contractor liability insurance, and how BGES Group—a leading expert in construction insurance—can help you secure the right protection at competitive rates.

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Essential Coverages for Your Contractors’ Liability Insurance

When selecting general liability insurance for contractors, it’s important to ensure your policy includes the following coverages:

1. Bodily Injury and Property Damage Liability
   • Protects your business if someone is injured or their property is damaged due to your operations.
   • Covers legal fees and settlements if a client or third party sues.
2. Completed Operations and Products Liability
   • Covers claims from past clients alleging property damage or injury due to your completed work.
3. Contractual Liability
   • Ensures your insurance meets contractual obligations required in construction contracts.
4. Action Over Claims Coverage
   • Essential for New York contractors; protects against lawsuits from injured employees who have already received workers’ compensation.
5. Additional Insured Endorsements
   • Extends coverage to general contractors if a claim arises from a subcontractor’s work.
6. Primary and Non-Contributory Coverage
   • Ensures your policy responds first in a claim involving additional insureds.
7. Waiver of Subrogation
   • Prevents legal disputes between contractors and subcontractors by waiving the insurer’s right to pursue a third party.
8. Pollution Liability
   • Covers pollution-related claims (e.g., dust, mold, hazardous materials).
9. Employee Benefits Liability
   • Protects against errors in administering employee benefits programs.
10. Umbrella Liability Insurance

• Provides an extra layer of protection for high-cost claims that exceed CGL policy limits.

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Why New York Contractors Need Strong Liability Insurance

New York’s construction industry is highly regulated, and legal claims can be costly. With New York Labor Law 240 and 241, project owners and general contractors can be held strictly liable for job site injuries, even if they were not directly responsible. That’s why ensuring your construction liability insurance includes coverage for labor law claims is essential.

Failing to carry the right insurance can result in:

• Expensive lawsuits that could bankrupt your business.
• Loss of contracts due to non-compliance with insurance requirements.
• Increased liability exposure when hiring subcontractors.
• Difficulty securing permits or licensing.

That’s why working with an expert in New York contractors’ insurance is key to ensuring your policies cover all potential risks.

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BGES Group: Experts in Contractors’ Liability Insurance

When it comes to securing the best contractor liability insurance in New York, BGES Group is the go-to agency. With decades of experience specializing in construction insurance, workers’ compensation, and liability coverage, they understand the unique risks contractors face.

How BGES Group Can Help You:

1. Customized Insurance Solutions – Tailored insurance plans for your specific needs.
2. Competitive Pricing – Affordable rates from top-rated insurance carriers.
3. Fast & Hassle-Free Quotes – Quick turnaround to keep your projects moving.
4. Expert Guidance on Labor Law Coverage – Ensures coverage for Labor Law 240 and 241 claims.
5. Nationwide Coverage – Specializing in New York contractor insurance, but also covering nationwide programs.
6. Boutique-Level Service – Personalized, expert service unlike large agencies.
7. Payroll and Workers’ Comp Solutions – Streamlining workers’ compensation insurance and payroll services.

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Get the Best Contractors’ Liability Insurance Today

Don’t let gaps in your insurance put your business at risk. Whether you need a general liability policy, umbrella liability insurance, or workers’ compensation insurance, BGES Group can help you find the right coverage at competitive rates.

Contact BGES Group Today:

• Gary Wallach – Construction Insurance Expert
• Phone: 914-806-5853
• Email: bgesgroup@gmail.com
• Website: bgesgroup.com

Protect your contracting business with the best coverage available. Call BGES Group today to get a fast, competitive quote for your contractors’ liability insurance!

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Workers’ compensation insurance is essential for protecting both employees and employers in the construction industry. However, some contractors engage in fraudulent practices to lower their insurance costs, putting their businesses at serious financial and legal risk. Insurance carriers and regulators are cracking down on contractor workers’ compensation fraud, and getting caught can result in heavy fines, policy cancellations, and even criminal charges. If you’re a contractor in New York, New Jersey, or Connecticut, it’s crucial to recognize the warning signs of fraud and ensure you’re following the law.

Below are 10 signs of employer workers’ compensation fraud in the construction industry.

1. Misclassifying Employees as Independent Contractors

One of the most common forms of workers’ compensation fraud is classifying workers as independent contractors instead of employees. Some employers do this to avoid paying workers’ compensation premiums, payroll taxes, and benefits. However, if a worker is under your control—meaning you set their hours, provide their tools, and determine how they complete tasks—then they are legally an employee, not an independent contractor. Misclassification can lead to serious penalties, including back payments, fines, and even legal action from injured workers.

2. Underreporting Payroll to Lower Premiums

Workers’ compensation insurance premiums are calculated based on payroll. Some dishonest contractors attempt to lower their premiums by underreporting their payroll, either by paying workers off the books or falsifying records. Insurance companies conduct routine audits, and if discrepancies are found, you could face policy cancellation, hefty fines, and potential lawsuits.

3. Using Ghost Policies to Avoid Proper Coverage

A ghost policy is a fraudulent practice where a business owner purchases a workers’ compensation policy that covers only themselves, while still employing workers under the table. This tactic is common among small contractors looking to bid on jobs that require proof of workers’ compensation coverage. However, when an employee gets injured, the company is left exposed, facing legal and financial consequences. Insurance carriers and regulators are actively targeting ghost policies, and getting caught can lead to severe repercussions.

4. Misclassifying High-Risk Workers as Low-Risk Employees

Another deceptive practice involves reporting high-risk construction workers under low-risk job classifications, such as clerical or administrative staff, to reduce insurance premiums. For example, a contractor might list roofers or demolition workers as office staff. If an insurer or state agency audits your records and finds discrepancies, you could be charged with workers’ compensation fraud and face significant penalties.

5. Failing to Carry Workers’ Compensation Insurance

Some contractors simply operate without workers’ compensation insurance, hoping to avoid costs altogether. This is illegal in New York, New Jersey, and Connecticut and can result in massive fines, stop-work orders, and lawsuits. If an employee gets injured on the job and the employer lacks coverage, they may be personally liable for medical expenses and lost wages. Regulators are cracking down on uninsured employers, making this a high-risk gamble.

6. Forcing Employees to Pay for Their Own Workers’ Comp Coverage

Workers’ compensation insurance is the employer’s responsibility. However, some unscrupulous contractors force employees to contribute toward their own coverage or deduct insurance costs from their paychecks. This is illegal and can result in lawsuits, penalties, and criminal charges. Employees who realize they are being exploited may report the fraud to state labor departments or insurance carriers, triggering investigations.

7. Hiding Injuries to Avoid Claims

Some contractors discourage workers from reporting workplace injuries or even threaten retaliation if they file a claim. Others may pressure injured employees to use their personal health insurance instead of filing a workers’ compensation claim. This practice is illegal and can lead to lawsuits, increased penalties, and even criminal charges if discovered by state regulators or insurance investigators.

8. Using Multiple Shell Companies to Dodge Insurance Costs

Some construction firms set up multiple shell companies to divide their workforce and manipulate workers’ compensation rates. This tactic is often used to qualify for lower-risk classifications or to make payroll reporting more difficult to track. However, insurance carriers and state agencies have become more sophisticated in detecting these schemes, and those caught engaging in this type of fraud can face major financial and legal consequences.

9. Doctoring Payroll and Employment Records

Altering payroll records, time sheets, or employment documents to reduce insurance premiums is a serious form of workers’ compensation fraud. Auditors regularly check these records, and if fraud is detected, employers can face premium adjustments, fines, policy cancellations, and even legal action. Insurance companies and regulators work closely together to identify inconsistencies, so fraudulent payroll reporting is becoming increasingly difficult to get away with.

10. Deliberately Misrepresenting Business Operations

Some contractors misrepresent their entire business to secure lower workers’ compensation rates. For example, a contractor might claim to operate solely as a general contractor when, in reality, they perform high-risk trades like roofing or demolition. Insurers conduct on-site inspections and audits to verify business operations, and getting caught can lead to severe consequences, including loss of coverage and potential legal action.

How BGES Group Can Help

If you’re a contractor operating in New York, New Jersey, or Connecticut, it’s critical to stay compliant with workers’ compensation laws. Insurance carriers are becoming more aggressive in auditing businesses, and getting caught committing fraud can be devastating. Even if you’re not committing fraud, workers’ compensation insurance is complex, and many contractors are unknowingly underinsured or paying more than necessary.

That’s where BGES Group comes in. We specialize in construction workers’ compensation insurance and help contractors secure affordable, high-quality coverage while ensuring compliance with state laws. Whether you need a new policy, a policy review, or assistance navigating audits, our team can provide expert guidance.

We offer specialized programs tailored to contractors, roofing companies, demolition businesses, and other high-risk industries, ensuring you get the best coverage at the best price. Many contractors overpay for their workers’ compensation policies or don’t realize they have gaps in coverage that could leave them financially exposed. Let BGES Group help you find the right coverage and avoid costly mistakes.

Contact BGES Group Today

If you need workers’ compensation insurance for contractors or have concerns about your current coverage, contact BGES Group today. We work with contractors throughout New York, New Jersey, and Connecticut, offering personalized service, competitive pricing, and expert advice.

• Phone: Gary Wallach at 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Don’t wait until an audit or a workplace injury exposes gaps in your workers’ compensation coverage. Call BGES Group today and let us help you secure the best workers’ comp insurance for your business!