Workers’ Compensation Insurance is one of the most misunderstood coverages in the construction industry—especially in New York, where regulations are complex, enforcement is strict, and penalties are severe. Whether you’re a GC, specialty contractor, or a small start-up crew trying to stay compliant, here are the 10 most common questions New York contractors ask about Workers’ Compensation insurance—along with clear, practical answers.

(For a more detailed answer to a question feel free to Contact Gary Wallach anytime 914-806-5853. We help everyone!)

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1. If my employees work out of state for weeks at a time, but only New York is listed under Item 3A on my policy, are they covered?

Maybe—but coverage may be severely limited, depending on the state.

Workers’ Compensation is jurisdiction-based. If Item 3A only lists New York, your policy guarantees WC coverage only under NY law. If employees travel to other states such as NJ, CT, PA, MA, or FL—even for short-term jobs—you may run into:

• No coverage under that state’s WC system – You will be financially liable for difference in payment levels
• Fines from the other state for failing to secure coverage
• Penalties for uninsured labor
• Forced to secure a separate WC policy in that state

To avoid this, you must either:

✔ Add appropriate states to Item 3A or ✔ Add “Other States” coverage under Item 3C (where allowed)

Never assume NY coverage automatically follows you across state lines.

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2. If I receive a penalty notice claiming I didn’t have Workers’ Comp, but I did have employees, what should I do?

Do not ignore it—NY assessments can reach tens of thousands of dollars, and the longer you wait, the worse it becomes.

Here’s what to do:

1. Respond immediately to the Workers’ Compensation Board.
2. Provide proof of coverage (policy, certificates, payroll reports, declarations pages).
3. If you were uninsured, contact a specialist immediately—a negotiated settlement may be possible.
4. Explain payroll and operations clearly to reduce the assessed period.

Delays often trigger aggressive collections, liens, and even stop-work orders. Fast action = best outcome.

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3. If I exclude myself as an owner from WC coverage, but I’m injured in a car accident driving back to the office from a job site, am I covered?

Not by Workers’ Comp—because you excluded yourself.

However, you may have coverage from:

• Auto No-Fault insurance – typically covers basic medical expenses regardless of fault.
• Your health insurance – will usually cover the rest, but may ask whether this should be a Workers’ Comp claim.

The more complicated question is: Was the trip work-related? If yes, and you excluded yourself, you knowingly gave up those benefits—including lost wages and lifetime care benefits that only WC provides.

Many owners unknowingly expose themselves to massive gaps by opting out. At minimum, review the risk carefully.

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4. If I hire a day laborer and they get hurt, are they covered under my WC policy?

Almost always: yes.

New York views temporary, part-time, and even casual laborers as employees for WC purposes. Even if someone works one hour, they can qualify for benefits. If you pay cash, use 1099, or claim someone is “not really my employee,” the state will almost always rule against you.

If you hired them, directed them, or benefited from their work → your WC policy is responsible.

Failing to disclose this payroll during audit can:

• Increase premium
• Create large audit bills
• Trigger fraud accusations
• Lead to stop-work orders

When in doubt, treat them as employees.

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5. Why do insurance companies not want to insure contractors who sub out most of their work?

Simple: risk transfer issues and fraud prevention.

Carriers prefer contractors who perform the majority of their own labor. When a contractor subcontracts 80–100% of work:

• They often have less control over jobsite safety
• Higher risk of uninsured subs
• Greater frequency of claims filed against the GC
• Inconsistent payroll reporting
• Potential misuse of “paper GC” structures

Insurance companies want predictable, controllable exposure. Heavy reliance on subs = unpredictable exposure = carriers decline the account.

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6. Why are my Workers’ Comp audits always so high?

New York audits payroll on an actual payroll basis—not estimated. Most contractors underestimate payroll when binding the policy, causing:

• Surprise audit bills
• Reclassification of employees
• Inclusion of uninsured sub costs
• Penalties for incomplete payroll documentation

Accurate bookkeeping and proper subcontractor certificates are the key to avoiding audit shock.

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7. Do 1099 subcontractors need to be covered under my Workers’ Comp policy?

If they do not carry their own valid WC coverage → the state considers them your employees.

This means:

• You pay premium on their payroll
• If they get hurt, your policy pays the claim
• Using 1099 to avoid WC does not protect you—NY will pierce it instantly

Always collect and verify COIs.

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8. Why is Workers’ Compensation so expensive for contractors in New York?

Because NY combines:

• High claim frequency
• High medical costs
• Lengthy litigation
• Strict regulations
• Heavy enforcement
• Concentration of high-hazard trades

A simple back strain can cost $100k+. Carriers price accordingly.

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9. Can I reduce my Workers’ Comp premium legally?

Yes—often significantly.

Contractors can lower costs through:

✔ Accurate classification of employees

✔ Limiting uninsured subs

✔ Safety programs and return-to-work plans

✔ Proper payroll documentation

✔ Scheduled credit programs

✔ Switching to competitive carriers

✔ Reviewing Experience Modification Factors (EMR)

✔ Using pay-as-you-go options

Many contractors overpay simply because they haven’t had a specialist review their account.

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10. What happens if I operate without Workers’ Comp in New York?

New York has some of the toughest penalties in the country:

• Fines ranging from $2,000 to $50,000+
• Lawsuits from injured employees
• Criminal charges in extreme cases
• Personal liability for owners
• Inability to bid public jobs
• Stop-work orders

One claim without coverage can bankrupt a company.

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Need Workers’ Compensation Insurance Help? Contact BGES Group

BGES Group specializes in Workers’ Compensation for contractors throughout New York. We know the rules, we know the traps, and we know how to protect your company while keeping costs down.

BGES Group – Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

If you need help securing Workers’ Comp, understanding your audit, lowering costs, or clearing penalties, we’re here to help.

New York contractors deal with some of the toughest insurance expectations in the country. Requirements are strict, certificates must be perfect, liability limits are high, endorsements are complex, and jobsite compliance mistakes can shut down a project instantly. Add in rising premiums, claim pressures, and the daily demands of running a construction business, and it’s no wonder insurance becomes a major source of stress.

But when contractors move their general liability, workers’ compensation, umbrella, or commercial auto policies to BGES Group, something changes—instantly and dramatically. Contractors often say it feels like someone finally took a heavy load off their shoulders.

Here are 10 real emotions and experiences New York contractors have once they switch their insurance to BGES Group, and why the change makes such a big difference in their business and peace of mind.

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1. Trust — “I finally have someone dependable on my side.”

Trust is everything in construction. Contractors need a broker who tells the truth, gives straight answers, delivers what they promise, and is available when needed.

With BGES Group, contractors feel genuine trust because they know:

• Nothing is hidden

• They’re getting honest guidance

• They’re receiving the right coverage—not just the most expensive option

• Their broker fights for them with the carriers

Contractors trust BGES Group because they consistently prove they’re in the contractor’s corner.

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2. Zero Frustration — “Gary always answers his phone.”

This is the #1 piece of feedback BGES Group receives.

Contractors are used to brokers who:

• Don’t answer

• Don’t respond for days

• Route everything through assistants

• Use email-only communication

With BGES Group, that torture ends.

Contractors love that Gary answers his phone every time. Whether it’s early morning, late evening, or a weekend emergency, he is responsive, direct, and ready to help. Jobs don’t get delayed. Issues don’t snowball. Stress evaporates because the contractor knows help is immediate.

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3. Stability — “I don’t have to worry about a new account executive every year.”

Many contractors are frustrated by brokers who continually switch account executives. They get used to one person, explain their business, build trust—

and then that person leaves.

With BGES Group, contractors feel relief and comfort because they:

• Work with the same person year after year

• Never deal with rotating staff

• Never get stuck with someone who doesn’t understand their operation

• Never worry about someone having a bad day or “not liking” them

There are no mood swings, no turnover, no attitude issues—just consistency and professionalism.

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4. Reliability — “If I need something, I know it will be taken care of.”

Contractors depend on accuracy, speed, and reliability.

When they switch to BGES Group, they quickly realize:

• Certificates get issued immediately

• Requests are handled same-day

• Coverage is written correctly

• Renewals are done early, not last minute

This reliability reduces job delays, keeps clients satisfied, and eliminates one of the biggest stress points contractors usually face.

5. Peace — “I no longer have to worry about insurance.”

When your broker is slow, unresponsive, or unreliable, insurance becomes a daily concern.

After moving to BGES Group, contractors say the same thing:

“I don’t even think about my insurance anymore—because it’s handled.”

They know:

• Their policies won’t lapse

• Their renewals won’t surprise them

• Their certificates won’t get rejected

• Their broker is watching out for them

This peace of mind is one of the biggest emotional benefits contractors feel.

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6. Respect — “Someone finally treats my business like it matters.”

Contractors often feel ignored by big firms. They feel like a number, not a client.

BGES Group changes that completely.

Contractors feel respected because the service is:

• Personal

• Direct

• Thoughtful

• Supportive

• Consistent

They aren’t pushed aside for bigger accounts. BGES Group treats every contractor like an important partner.

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7. Confidence — “My coverage is right and compliant.”

There’s nothing worse than being thrown off a jobsite because the insurance requirements weren’t met.

Contractors feel strong confidence because BGES Group ensures:

• All endorsements are correct

• Limits match job needs

• Every certificate is accurate

• Coverage is structured intelligently for New York requirements

That confidence keeps projects moving and protects the contractor legally and financially.

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8. Financial Relief — “I’m finally getting fair pricing.”

New York contractors often overpay because:

• Their classifications are wrong

• Their experience mod hasn’t been analyzed

• Their payrolls weren’t corrected

• Their broker didn’t shop the market

BGES Group fixes these issues.

Contractors feel real financial relief when they save thousands—sometimes tens of thousands—without losing coverage quality.

9. Support — “If something goes wrong, I’m not alone.”

Claims happen. Audits happen. Disputes happen.

BGES Group is there for all of it.

Contractors feel supported because they get help with:

• Claims handling

• Adjuster communication

• Audit preparation

• Policy corrections

• Problem-solving with carriers

That support saves time, money, and major headaches.

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10. Optimism — “Now I can grow my business.”

Once insurance becomes easy—once the stress is gone—contractors start thinking bigger.

They feel optimistic because they can:

• Bid more jobs

• Take on larger projects

• Add employees

• Expand into new services

BGES Group doesn’t just protect contractors—they enable them to grow.

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Why These Feelings Matter

When a contractor feels calm, supported, and protected, their business becomes stronger.

When their broker is consistent, responsive, and dependable, their operations run smoother.

When they trust their insurance partner, they can focus on what really matters:

building, bidding, hiring, and succeeding.

BGES Group isn’t just an insurance agency.

They are a long-term partner in a contractor’s success.

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Contact BGES Group

If you’re a New York contractor who wants better service, better pricing, and a broker who ALWAYS answers the phone, reach out today:

BGES Group

Construction & Contractor Insurance Specialists

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

BGES Group — Consistency, trust, and real support for New York contractors.

In the world of New York construction, insurance is more than a requirement — it’s a lifeline. Contractors work under some of the toughest regulations, highest labor costs, and most demanding jobsite standards in the country. When insurance goes wrong, everything goes wrong: delays, shutdowns, lost jobs, denied certificates, lawsuits, and endless frustration.

That’s why when New York contractors switch their general liability or workers’ compensation coverage to BGES Group, the feeling is immediate and powerful. For many, it’s the first time they’ve had an insurance partner who genuinely delivers what they’ve always wanted: trust, responsiveness, reliability, affordability, and peace of mind.

Below are 10 real feelings New York contractors experience once they start working with BGES Group—and why it changes the way they run their business.

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1. Trust — “I finally have someone who has my back.”

Trust is the foundation of every successful contractor–broker relationship. Most contractors have dealt with brokers who disappear, ignore calls, or rush through renewals. When they switch to BGES Group, that changes immediately.

Contractors feel trust because:

• Everything is explained upfront

• Certificates go out fast and accurately

• No surprises at audit

• No misleading promises

• No hidden fees or games

They know BGES Group is looking out for them—not the carriers.

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2. No Frustration — “Gary always answers his phone.”

This is the #1 reason contractors rave about BGES Group.

When they call, Gary actually answers—even nights, weekends, and holidays if needed. No voicemail. No “we’ll get back to you.” No waiting days for basic help.

This removes the single biggest frustration contractors deal with: being ignored.

With BGES Group, they feel relieved knowing:

• Problems get solved immediately

• Certificates are done quickly

• Issues don’t drag on

A real human answering the phone changes everything.

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3. Reliability — “I know everything will be done right.”

Contractors are constantly under pressure. The last thing they need is unreliable insurance.

With BGES Group, they feel steady and supported because:

• Renewals are proactive

• COIs are clean and accepted

• Endorsements match job requirements

• Claims are handled properly

This reliability keeps jobs moving and clients satisfied.

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4. Calm — “I don’t have to worry anymore.”

Insurance stress disappears once BGES Group takes over.

Contractors feel calm because they know their insurance is not:

• Lapsing

• Missing paperwork

• Overpriced

• Incorrect for their trade

Instead, everything is under control and monitored.

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5. Appreciation — “Someone finally cares about my business.”

Contractors often feel overlooked by big, factory-style brokers who treat them like policy numbers.

BGES Group gives them personal, attentive service, making them feel appreciated and respected.

They feel like their business matters — because it does.

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6. Confidence — “My coverage is right, and my certificates won’t get rejected.”

New York contractors can’t afford mistakes. A wrong endorsement or missing line on a certificate can shut down a job.

After BGES Group steps in, contractors feel confident because their coverage is:

• Compliant

• Properly structured

• Job-ready

• Easy to verify

Confidence translates into fewer delays and smoother operations.

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7. Financial Relief — “I’m finally paying a fair price.”

Contractors often feel penalized by the marketplace.

BGES Group works hard to:

• Shop the entire market

• Negotiate

• Improve risk profiles

• Fix classification mistakes

As a result, contractors feel relief when they see rates that actually make sense for their business.

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8. Support — “If something happens, I’m not alone.”

Claims, audits, and disputes happen.

What matters is how they’re handled.

Contractors feel supported because BGES Group helps with:

• Audit preparation

• Carrier disputes

• Claim follow-up

• Business growth planning

They know if trouble comes, they won’t be fighting it alone.

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9. Pride — “My company looks more professional now.”

Having strong insurance is a sign of a serious, trustworthy contractor.

With BGES Group, contractors feel proud showing clients:

• Accurate, fast certificates

• Comprehensive coverage

• A broker who stands behind them

They can bid higher-quality work with confidence.

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10. Optimism — “Now I can grow my company.”

When insurance no longer feels like a battle, contractors feel optimistic.

They start to think bigger:

• More projects

• More employees

• Bigger contracts

• New specialties

With BGES Group behind them, growth finally feels attainable.

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Why These Feelings Matter

When contractors feel trust, calm, and security, their business improves.

When they feel supported, appreciated, and protected, they take on more work.

When they feel confident and optimistic, they make smarter long-term decisions.

BGES Group isn’t just selling insurance—

they’re giving contractors the freedom to run their business without fear.

And in New York, that’s priceless.

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Contact BGES Group

If you’re a New York contractor who wants better service, better pricing, and a broker who ALWAYS answers the phone, reach out today:

BGES Group

Construction & Contractor Insurance Specialists

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

BGES Group — Trust, reliability, and real support for New York contractors.

Running a contracting business in New York isn’t for the faint of heart. You’re juggling tight deadlines, unpredictable weather, demanding clients, strict safety standards, and some of the toughest insurance requirements in the country. So when a contractor finally finds an insurance partner who gets it—who actually listens, fights for their rates, protects their business, and answers their phone—it changes everything.

That’s why so many New York contractors say the same thing after switching to BGES Group:

“I feel like someone finally has my back.”

In this article, we break down 10 real emotions contractors experience after purchasing their liability or workers’ compensation insurance through BGES Group—and why these emotions matter for their business, their crews, and their future.

1. Relief — “I’m finally not overpaying for my insurance.”

New York contractors often feel like they’ve been trapped in a cycle of ever-increasing premiums. When they move to BGES Group, the first feeling that hits them is relief—relief that someone shopped the entire market, fought for competitive pricing, and explained exactly why they got the rate they did.

For many, this is the first time they’ve seen pricing that makes sense for their operation.

2. Confidence — “My coverage is solid. I don’t have to worry.”

Contractors want to know their insurance actually protects them—not just checks a box.

With BGES Group, they feel confident that:

• Their policies meet all New York’s strict requirements
• Certificates will not be rejected by GCs or building owners
• Their coverage limits and endorsements are correct
  This confidence saves headaches, protects jobs, and prevents costly shutdowns.

3. Trust — “I finally have an insurance partner, not a salesperson.”

Contractors often complain that brokers disappear after they get paid. BGES Group is the opposite.

Clients say they feel trust because:

• Calls and texts get answered instantly
• Issues get solved fast
• Coverage is explained in simple language
• Their business is treated like a priority
  Trust is everything when your business is on the line.

4. Security — “My business, my family, and my future are protected.”

Insurance isn’t just paperwork—it’s financial protection.

Contractors feel security knowing BGES Group helped them put strong coverage in place so that:

• A claim won’t wipe them out
• Their employees are protected
• Their assets, vehicles, and tools are covered
• Their company is prepared for growth
  This sense of security is priceless.

5. Appreciation — “Someone actually cares about my company.”

Too many brokers treat contractors like just another policy number.

BGES Group’s hands-on service makes clients feel truly appreciated.

They feel that their broker cares about:

• Their safety practices
• Their business success
• Their renewal strategy
• Their long-term relationship
  It feels good to be valued.

6. Empowerment — “Now I actually understand my insurance.”

Contractors often admit they never fully understood their policies because no one ever explained them.

After working with BGES Group, they feel empowered because they finally know:

• What they’re paying for
• What protections they really have
• How to prevent problems with GCs, auditors, or carriers
  Knowledge equals control—and contractors love that.

7. Support — “When something happens, BGES Group is there.”

Claims happen. Audits happen. Jobsite issues happen.

When they do, contractors want someone who will fight for them.

Clients feel supported because BGES Group:

• Helps prepare for audits
• Jumps in quickly on claims
• Helps negotiate disputes
• Communicates with carriers directly
  This support saves money, time, and stress.

8. Pride — “My company looks more professional with proper insurance.”

Insurance isn’t just a requirement—it’s a signal that a contractor runs a real, dependable business.

With BGES Group, contractors feel proud because they can show GCs and clients:

• Clean certificates
• Strong coverage
• Reliable paperwork
  It makes them stand out in a crowded New York market.

9. Optimism — “My business can grow now.”

When insurance is handled properly, contractors feel optimistic, because they can:

• Bid bigger jobs
• Add workers
• Expand into new trades
• Take on new clients
  Good insurance opens doors—and contractors feel the possibilities.

10. Peace of Mind — “I can finally focus on my work, not my insurance.”

At the end of the day, every contractor wants the same thing:

To stop worrying about insurance and get back to building.

BGES Group gives them real peace of mind.

No more stress.

No more confusion.

No more uncertainty.

Just confidence, protection, and a partner who always answers the phone.

Why New York Contractors Choose BGES Group

Because they want:

✔ Better coverage

✔ Better pricing

✔ Better service

✔ A broker who fights for them

✔ Someone who picks up the phone

✔ Experience with NY construction insurance

✔ A long-term relationship, not a transaction

And because after they switch…

they actually feel good about their insurance.

Contact BGES Group

If you’re a New York contractor and want better insurance, better rates, and better service, reach out today:

BGES Group

Construction & Contractor Insurance Specialists

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Protect your business. Protect your workers. Protect your future.

BGES Group is here to help.

For Tri-State business owners, shopping for business auto insurance can be one of the most stressful responsibilities on their plate. Between comparing confusing quotes, dealing with brokers who lack urgency, and worrying about whether the coverage really protects them, it’s no surprise many owners feel overwhelmed by the process.

But something changes the moment they partner with BGES Group.

That stress disappears. Instead of feeling like they’re navigating the insurance highway alone, they suddenly feel supported, informed, guided, and protected. And there’s a powerful reason for that:

BGES Group has partnered with one of the strongest, most reliable, service-driven auto insurance organizations in the Tri state area.

Together, the combined expertise, customer service, and protection these two organizations deliver gives business owners something rare—true peace of mind.

Business owners begin feeling completely different about their insurance once the policy is secured.

Below are 10 things Tri-State business owners feel after buying their business auto insurance with the help of BGES Group—and why so many say they wish they found BGES years earlier.

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1. They Feel Total TRUST in the Process

The first emotion almost every business owner expresses is trust.

BGES Group doesn’t push policies or rush quotes. They take the time to understand the business, the vehicles, the drivers, the exposures, and the budget.

Combine that with their partnership with a highly reputable auto insurance organization, and business owners immediately sense that the advice is sound, the coverage is correct, and nothing is being overlooked.

They walk away feeling, “This is the right fit—and the right team.”

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2. They Feel RELIEF Knowing They Have Two Organizations Protecting Them

It’s not just BGES Group looking out for them.

It’s BGES Group plus the exceptional auto insurance organization they’ve partnered with.

Business owners appreciate that it’s not just one set of eyes on their account—but two.

Two teams.

Two lines of defense.

Two groups ensuring accuracy, service, and protection.

That double layer of support brings a level of relief they haven’t felt before with insurance.

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3. They Feel CALM Because Gary Always Answers His Phone

One of the most stressful parts of business insurance is feeling like your broker vanishes once the policy is written.

But with BGES Group, that never happens.

When business owners call, Gary answers.

And if he can’t answer that second, he calls back fast.

That level of responsiveness is almost unheard of today, and owners feel a deep sense of calm knowing they can get help immediately—not two days later.

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4. They Feel SAFE Because Their Policy Was Set Up Correctly

Every business owner fears learning—usually after an accident—that something was missing.

But BGES Group, backed by a strong insurance partner with exceptional underwriting and service standards, ensures all details are correct:

• Proper vehicle classification

• Right liability limits

• Hired and non-owned auto coverage

• Comprehensive and collision needs

• Driver list accuracy

• Commercial use verification

• Additional insured requests

When the documents come in, business owners feel safe because everything is done right the first time.

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5. They Feel RESPECTED—Not Treated Like a Number

Big factory-style brokers often make owners feel small.

Long waits… rushed calls… constantly changing account reps… lack of understanding… all contribute to the feeling of being “just another account.”

BGES Group is the opposite.

They treat every business owner with personal respect. They take their time. They explain. They listen.

And the insurance company partner they work with brings the same service-first approach.

The result? Business owners feel valued—not brushed aside.

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6. They Feel GRATITUDE for Finally Finding a Broker Who Actually Helps

Owners often say:

“No broker has ever helped me this way before.”

That’s because BGES Group provides real service—the kind that saves owners time, money, and headaches:

• Fast certificates

• Quick endorsements

• Immediate issue resolution

• No voicemail mazes

• No passing the account to strangers each year

That level of hands-on support makes owners feel grateful that they finally found a broker who puts them first.

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7. They Feel CONFIDENT That Their Business Is Protected from Road Risks

Vehicles are one of the biggest exposures a business can have.

Every mile driven carries financial risk.

With BGES Group and their partnered auto insurance organization, owners feel confident that:

• Accidents are handled quickly

• Claims are managed properly

• Their limits are strong enough

• Their business is protected from lawsuits

• Their drivers and vehicles have proper coverage

Confidence replaces the fear they once had dealing with insurance alone.

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8. They Feel the FRUSTRATION Fade Because the Process Is So Easy

No confusing forms.

No unclear instructions.

No endless back-and-forth.

BGES Group makes the process simple—even enjoyable.

And the partner carrier they work with brings streamlined systems, fast turnaround, and organized workflows.

Together, they create a smooth, efficient experience that removes frustration and replaces it with clarity.

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9. They Feel SUPPORTED Whenever a Claim or Accident Happens

When a vehicle is involved in an accident, emotions run high.

Business owners fear slow responses, unreturned calls, and messy claims.

But with BGES Group and their insurance partner, owners feel supported from start to finish.

They get:

• Guidance on filing the claim

• Follow-up with adjusters

• Help gathering documents

• Advocacy if anything gets delayed

It’s reassuring for business owners to know they have a team—not just a policy.

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10. They Feel They Finally Found Their Long-Term Insurance Home

The biggest feeling of all?

A sense of permanence.

Owners feel like they’ve finally found:

• A broker who cares

• An insurance company that delivers

• A partnership built around service

• A long-term solution—not a temporary fix

They no longer have to dread annual renewals, unexpected changes, or being tossed around by inexperienced reps.

Instead, they feel settled… supported… protected… and at home.

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Final Thoughts

For Tri-State business owners, business auto insurance doesn’t have to be stressful, confusing, or unpredictable.

When they work with BGES Group, backed by a strong auto insurance organization committed to service and reliability, owners finally feel the protection, clarity, and peace of mind they’ve always wanted.

This is more than insurance.

It’s a partnership—one that keeps businesses, vehicles, drivers, and owners protected every mile of the way.

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Contact BGES Group

For business auto insurance done right—and supported by two exceptional organizations—contact:

BGES Group

Gary Wallach

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Proudly helping Tri-State business owners protect their vehicles and their businesses with unmatched service and expertise.

Thanksgiving is a special time—family comes together, great food fills the table, and everyone settles in for a day of gratitude, warmth, and laughter. And who better to bring the laughs than the contractor in the family? Contractors are known for fixing problems, building solutions, and keeping cool under pressure—even when the turkey timer goes off unexpectedly. This year, give your family something extra to smile about with these 20 clean, light-hearted Thanksgiving jokes made just for contractors.

Share them around the table, between courses, or right after Grandpa’s third plate. They’re made for all ages, avoid sarcasm, and are dinner-table safe. So grab your fork, pass the stuffing, and get ready to be the official Thanksgiving comedian.

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20 Jokes to Build Thanksgiving Laughter

1. Why did the contractor bring a hammer to Thanksgiving dinner?

Because someone said the turkey needed to be “tenderized,” and he took it literally!

**2. Why do contractors love Thanksgiving so much?

Because it’s the only time they get paid in turkey instead of change orders!

**3. What do you call a contractor who carves the turkey perfectly?

A precision cut specialist.

**4. Why did the contractor inspect the stuffing?

He wanted to make sure it was up to code.

**5. Why don’t contractors argue on Thanksgiving?

Because everyone agrees the gravy should flow freely.

**6. What did the contractor say when the kitchen lights went out during dinner?

“No problem—this is just a temporary power outage. Call it ambiance!”

**7. Why was the contractor not worried about burning the turkey?

He already submitted a turkey fire prevention plan.

**8. What do contractors and Thanksgiving cooks have in common?

They both know how to turn chaos into something beautiful.

**9. What did the contractor say about the giant turkey?

“Looks like a load-bearing bird.”

**10. Why did the contractor measure the cranberry sauce?

He wanted to make sure it met the level spread standard.

**11. Why did the contractor bring a blueprint to the dinner table?

To plan out the most efficient route for seconds.

**12. What did the contractor say when the pumpkin pie was served?

“That’s what I call a perfectly finished surface.”

**13. Why did the contractor compliment the mashed potatoes?

Because they were smooth, seamless, and free of cracks.

**14. Why don’t contractors ever get lost on Thanksgiving?

They always follow the floor plan from the dining room to the dessert table.

**15. Why was the contractor the first one to fall asleep after dinner?

He followed the official Thanksgiving shutdown procedure.

**16. What did the contractor call the kids’ table?

The junior apprentice station.

**17. Why did the contractor refuse to cut the turkey at an angle?

He only works with straight, clean cuts.

**18. What do you get when a contractor cooks Thanksgiving dinner?

A meal that comes with a one-year workmanship warranty.

**19. Why did the contractor inspect the dinner table legs?

He wanted to make sure the load capacity matched the amount of food.

**20. Why did the contractor smile when everyone went back for thirds?

He loves seeing a job well done.

Building Memories That Last

Thanksgiving is more than just a holiday—it’s a reminder of everything we’re grateful for: family, friends, health, good food, and the people who stand with us all year long. Contractors rarely slow down, so this once-a-year pause means even more. It’s a chance to sit back, laugh with loved ones, and reflect on everything we’ve built together—whether it’s homes, businesses, relationships, or communities.

Jokes might seem small, but they help create memories around the table that live long after the last slice of pie is gone. When you share these lighthearted contractor-themed jokes, you’re not just making people smile—you’re helping construct the kind of Thanksgiving moment your family will look back on and remember fondly.

This year, take pride not only in the work you do, but in the joy and humor you bring to your home. A few laughs can build bridges faster than any construction crew.

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Warm Thanksgiving Wishes From BGES Group

On behalf of BGES Group, we want to wish you and your entire family a warm, happy, healthy, and blessed Thanksgiving. Whether you’re spending it at home, with extended family, on a jobsite break, or hosting a house full of relatives, we hope your table is full, your heart is light, and your day is filled with gratitude and peace.

Contractors work hard all year, often seven days a week. You deserve this day to relax, eat well, laugh a lot, and enjoy the people who matter most.

If you ever need help with better liability or workers’ compensation coverage, a more responsive insurance partner, or someone who truly understands contractors, BGES Group is here for you.

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BGES Group Contact Information

BGES Group

Specialists in New York Construction Insurance & Workers’ Compensation Insurance

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

If you’re frustrated with your Workers’ Compensation pricing, exhausted by endless audits, confused by changing rules, or disappointed in the service you’re getting from your broker, you’re not alone. In fact, business owners across the Tri-State area are dealing with unprecedented changes in the Workers’ Compensation marketplace—especially in New York.

The good news? You don’t have to settle for high premiums, sloppy audits, poor service, or inflexible programs. You have options—powerful ones. You just need the right advocate in your corner.

That’s where we come in.

BGES Group is one of the Tri-State area’s leading Workers’ Compensation Specialists. Think of us as your personal Workers’ Comp encyclopedia. We know every rule, every loophole, every credit, and every strategy that can legitimately work in your favor. And in many cases, we help businesses save 20% or more—sometimes much more.

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The New York Workers’ Compensation Shake-Up of 2025: What You Need to Know

The Workers’ Compensation landscape in New York has shifted dramatically. One major insurance company—known for being aggressively competitive with contractor policies over the past few years—is now non-renewing all of its contractor accounts. That means hundreds of contractors are suddenly scrambling for coverage.

On top of that, Experience Modification Factors (Mods) are changing significantly. A high Mod can drive premiums through the roof, and without the right plan, many companies will find themselves blindsided by rising costs.

So what can you do?

Simple: call one of New York’s most experienced Workers’ Compensation specialists—Gary Wallach, available Monday through Sunday at 914-806-5853. Whether you need Plan A, Plan B, or a complete overhaul, this is the time to get expert guidance.

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How BGES Group Solves Your Workers’ Compensation Problems

Every business is different—but almost every business eventually runs into Workers’ Comp headaches. Here are the issues we solve every day:

✔ Hard-to-Place Businesses

Are you in a high-risk industry? Struggling to find a carrier who will take your business?
We work with up to 10 carriers, including companies that specialize in poor loss histories and high-risk operations. If others have turned you away, don’t worry—we have options.

✔ Audit Disputes

Did your carrier make a mistake?
Is your audit wrong or inflated?
We can fight to correct errors—or get you into a new program that gets you out of a bad situation fast.

✔ Sick of Annual Audits?

Depending on your state and carrier, we may be able to avoid annual audits entirely, or shift you to programs requiring minimal documentation.

✔ Bad Loss Experience

Two clients with over $1 million in losses each ended up paying lower rates with us—even after being canceled by their previous carriers. We know which carriers will work with tough histories.

✔ Being Cancelled?

We can typically replace a cancelled policy within 1–2 days.

✔ High Experience Mod?

We offer programs that can offset high Mods with credits—giving you better rates even when your Mod is less than ideal.

✔ Misclassified Payroll

Wrong class codes can cost you a fortune.
We know how to get your carrier to reclassify payrolls correctly.

✔ Unhappy with Your Payroll Company?

We can find lower payroll fees and lower Workers’ Compensation rates—plus better service.

✔ Hate Paying Fixed Premiums?

We offer monthly payroll-reporting plans where you pay only for what you report.
Lean months = lower premiums = improved cash flow.

✔ Tired of Renewal Deposits?

Some programs require no renewal deposit after the first year.

✔ Done Paying $1,000+ Broker Fees?

We offer no policy fee and no service fee programs—while still providing first-class service, day and evening.

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Whatever Your Issue—We Handle It.

Tell us what’s wrong and we’ll find a solution.
Tell us what you want done and we’ll create a path to make it happen.

Workers’ Compensation shouldn’t be a burden. It shouldn’t drain your cash flow, waste your time, distract you from running your business, or lock you into inflexible, overpriced programs.

Let us take your headaches—and make them ours.

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Why Companies Choose BGES Group

We specialize in Workers’ Compensation for New York, New Jersey, and Connecticut, handling issues such as:

1. Lowering pricing—specialty programs can save up to 40%
2. Finding new carriers
3. Replacing cancelled or non-renewed policies
4. Correcting audit disputes
5. Fixing fabricated payroll issues at audit
6. Reducing high Experience Mods
7. Fixing payroll misclassification
8. Reducing or eliminating renewal deposits
9. Getting coverage after a lapse
10. Covering multiple states under one policy
11. Eliminating 10% service or policy fees
12. Ensuring certificates are issued fast and correctly
13. Always being reachable when you need us

You won’t get voicemail prisons, week-long delays, or disappearing brokers. Our clients get real support, real expertise, and real savings.

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About BGES Group

BGES Group is one of the most knowledgeable and service-focused Workers’ Compensation specialists in the Tri-State region. With decades of hands-on experience, an unmatched understanding of Workers’ Compensation rules, and deep relationships with top carriers, we help companies stay protected, compliant, and cost-efficient.

Contact Information

BGES Group
216A Larchmont Acres West
Larchmont, NY 10538
Phone: 914-806-5853
Email: bgesgroup@gmail.com
Website: www.bgesgroup.com

If you’re frustrated, confused, or overwhelmed by your Workers’ Compensation situation, you don’t have to stay stuck.
Call Gary Wallach today—and get the clarity, options, and savings you deserve.

Mental health has rapidly emerged as one of the most pressing — and least addressed — challenges in the construction industry. While contractors across the country have invested heavily in reducing physical hazards, improving jobsite protocols and creating stronger safety cultures, an invisible threat continues to take its toll on workers: stress, anxiety, depression and burnout.

A new national survey of more than 2,000 construction workers and executives confirms what many in the field have sensed for years. Nearly two-thirds of U.S. construction workers say they have experienced anxiety or depression within the past year, highlighting an alarming trend that affects not only workforce well-being but also safety, productivity and project outcomes.

This issue is no longer something companies can afford to overlook. OSHA now identifies workplace stress and mental health as major safety concerns, underscoring their impact on injuries, decision-making, absenteeism and long-term health. If construction firms want to protect their workers and maintain efficient operations, mental health must take its place alongside hard hats, fall protection and jobsite training as a core safety priority.

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How Mental Health Directly Impacts Safety and Job Performance

Construction is already one of the most physically demanding and high-risk occupations in the country. Add untreated mental health challenges, and the danger escalates significantly.

According to OSHA:

• Stressed or fatigued workers are far more likely to overlook hazards, make poor decisions or take shortcuts — leading to falls, struck-by incidents and other serious jobsite injuries.
• Long-term stress can cause heart disease, high blood pressure, chronic pain and sleep disruptions, reducing workers’ physical ability to perform safely.
• Anxiety and depression impair concentration, motivation and judgment, undermining quality of work and increasing the odds of errors.
• Workers struggling silently with mental health problems are also more likely to miss work, driving up absenteeism and disrupting project schedules.

Simply put: when a worker’s mind isn’t well, their body — and everyone around them — is at greater risk.

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What the New Clayco Survey Reveals

The Clayco survey sheds important light on the day-to-day mental health realities construction workers face:

• 64% experienced anxiety or depression in the past 12 months.
• 47% said the physical demands of the job were a major source of stress.
• 42% pointed to poor work-life balance.
• 41% cited relentless deadlines.
• 36% missed work specifically because of mental health concerns.
• 45% said they would feel ashamed discussing mental health, addiction or suicidal thoughts with coworkers.
• 37% of workers who did seek mental health services reported discrimination or unfair treatment afterward.

The stigma is real — and dangerous. Workers fear being seen as weak, unreliable or unfit for duty. That silence can prevent someone from seeking help until a crisis occurs.

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What Construction Leaders Can Do Today

The construction industry is uniquely positioned to make a difference. With strong leadership and consistent communication, companies can create safer, healthier, more supportive environments. Here are proven steps organizations can take:

1. Treat Mental Health as a Core Safety Priority

Put mental health on equal footing with physical safety hazards. Incorporate it into:

• Safety policies
• Job hazard analyses
• New-hire orientations
• Toolbox talks

Supervisors should understand that fatigue, distraction and stress are risk factors — just like unguarded machinery or exposed edges.

2. Train Supervisors to Recognize Early Warning Signs

Frontline leaders should be equipped to spot:

• Changes in behavior or mood
• Withdrawal from coworkers
• Irritability or anger
• Signs of substance misuse
• Sudden drops in performance

OSHA and other organizations offer mental health conversation tools and supervisor guides to help managers approach these situations with empathy.

3. Make Mental Health Resources Easy to Access

Audit your company’s offerings:

• Employee Assistance Programs (EAPs)
• Telehealth counseling
• Crisis hotlines
• Wellness programs
• Health plan coverage

Promote these resources openly. Post information in break areas, include reminders in pay stubs and reinforce confidentiality during meetings.

4. Reduce Stigma Through Leadership Example

When executives and supervisors speak candidly about their own stress, burnout or use of counseling, it normalizes the conversation. Workers take cues from the top — vulnerability is powerful.

5. Address Jobsite Stressors You Can Control

Construction is demanding, but not all stressors are unavoidable. Companies can:

• Review and adjust project schedules
• Reduce excessive overtime
• Improve staffing levels
• Rotate assignments requiring extended travel
• Ensure workers can take breaks and time off without penalty
• Set more realistic deadlines and provide recovery periods

Small adjustments can make a big difference in workers’ mental resilience.

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The Bottom Line

The mental health crisis in construction is real — and growing. But it is also preventable. By prioritizing mental well-being as part of a comprehensive safety culture, construction firms can reduce injuries, improve productivity, retain skilled workers and create environments where people feel valued, supported and safe.

Addressing mental health doesn’t just protect workers — it protects companies.

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About BGES Group: Protecting Contractors and Their Workers

At BGES Group, we understand the challenges construction businesses face every day — from managing risk and securing affordable insurance to protecting workers on and off the jobsite. We specialize in:

• Workers’ compensation solutions
• High-risk and hard-to-place accounts
• Construction and contractor insurance
• Safety guidance and compliance support
• Personalized service with fast turnaround

Our mission is simple: help contractors operate safely, stay compliant and save money, while ensuring their employees get the protection they deserve.

If your company is facing workers’ compensation issues, coverage gaps or rising premiums — or if you simply want a second opinion — we’re here to help.

Contact BGES Group – Gary Wallach

📞 (914) 806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

We help contractors build with confidence — safely, securely and with the right protection behind them.

Are you a New York, New Jersey, or Connecticut contractor tired of the constant headaches that come with payroll and workers’ compensation? Sick of premiums that go up every year, audits that never end well, and brokers who don’t return calls once the policy is sold?

If you’re a Tri-State contractor looking for a new payroll and workers compensation company, there is a solution — one that brings coverage stability, pricing stability, and long-term cost control regardless of whether you’re a GC, specialty contractor, or construction services company.

For contractors overwhelmed by rising rates, misclassification issues, audit surprises, and lack of support, this type of integrated payroll/workers comp program may be the most transformative business decision you make this year.

Below are 10 major benefits of enrolling in this unique national program — without naming the company — that thousands of contractors rely on for predictable workers’ comp pricing, smoother payroll operations, and lower long-term costs.

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🔟 Ten Benefits of This Elite Payroll + Workers Comp Program (Without Naming the Provider)

1. True Long-Term Pricing Stability

Instead of unpredictable yearly renewals, this program offers multi-year stability, meaning your pricing doesn’t suddenly skyrocket because of one bad year, market changes, or a carrier pulling out of the state. Contractors who want predictable costs year after year rely heavily on this structure.

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2. More Lenient Underwriting for Construction Classes

Most carriers avoid or surcharge high-risk classes like roofers, framers, demo, concrete, or certain subcontractors. This program is known for accepting tough construction classes that others decline, helping contractors who can’t find affordable coverage anywhere else.

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3. Smoother Cash Flow With Pay-As-You-Go

Premiums are based on actual payroll each pay cycle — not inflated estimates. That means:

• No large down payments

• No big audits

• No surprise additional premiums

Cash flow becomes easier and more predictable.

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4. Protection From the Volatile Assigned Risk Pool

Many contractors stuck in the NY, NJ, or CT assigned risk pool pay some of the highest rates in the country. This program gives you an avenue out of the pool and into a stable, long-term solution with more favorable pricing.

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5. Audit Relief

Contractors often face audits resulting in tens of thousands in additional premiums. This program’s structure dramatically reduces audit disputes, paperwork, and retroactive charges. Many companies experience audit-free operations with no year-end surprises.

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6. A Dedicated Claims Management Team

Instead of being handed off to a large claims department that treats you like a number, this program assigns:

• Experienced claims handlers

• Proactive injury management

• Genuine return-to-work strategies

• Early intervention to keep claims from spiraling

Contractors often see a significant drop in claim severity and claim duration.

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7. Built-In Safety Support

The program includes access to:

• Safety consulting

• Jobsite guidance

• OSHA compliance help

• Loss-control reviews

This leads to fewer injuries, lower long-term premiums, and a safer workforce—especially for busy contractors who can’t manage safety alone.

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8. A True Partnership—Not a “Sell & Forget” Policy

Many traditional brokers write a policy and disappear until next renewal. This program offers ongoing service throughout the year, including:

• Payroll support

• Workers comp guidance

• Claims strategy

• Carrier communication

Contractors finally feel like someone has their back.

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9. Incredible Fit for Contractors With Growth Plans

If you’re expanding into new states, adding crews, or taking on bigger jobs, this program scales with you. It’s designed to help contractors grow without triggering huge premium increases or underwriting restrictions.

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10. Lower Long-Term Workers Comp Costs

Because of:

• Stable pricing

• Fewer claim spikes

• Better loss control

• Long-term rating strategies

Most contractors see dramatic improvement in their cost trajectory compared to standard comp programs. Over a 3–10 year period, this program often outperforms traditional workers’ comp and payroll arrangements.

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Why Tri-State Contractors Are Switching Now

Construction companies across NY, NJ, and CT are dealing with:

• Rate increases

• More carriers leaving the market

• Stricter underwriting

• Tougher audits

• Higher Experience Mods

• Rising claims costs

This payroll + workers comp program is one of the very few that protects contractors from market chaos. It’s stable, heavily funded, and designed for long-term partnership—something many contractors say is nearly impossible to find today.

If your current payroll or workers comp setup isn’t delivering the stability or service you need, it may be time to explore a better option.

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About BGES Group — Construction Insurance Specialists

BGES Group specializes in helping New York, New Jersey, and Connecticut contractors get better workers compensation and liability programs—especially when other brokers fail to deliver.

We work closely with contractors who:

• Are unhappy with their current workers comp carrier

• Need better payroll integration

• Have higher-risk construction class codes

• Are stuck in assigned risk

• Want multi-year pricing stability

• Want better claims management

• Want a broker who returns calls and fights for them

If you want a program that brings stability, protects your business, and lowers long-term costs, reach out anytime.

⸻

📞 Contact BGES Group

BGES Group

Construction Insurance & Workers Compensation Specialists

Contact: Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

New York contractors operate in one of the most heavily regulated, high-risk construction environments in the country. Between strict labor laws, aggressive claim activity, rising premiums, and contract requirements that can make or break a job, contractors constantly face insurance challenges that threaten their profitability — and sometimes their survival.

Below are the five biggest business insurance concerns New York contractors deal with every single day… and what you can do to stay protected.

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1. Out-of-Control Workers’ Compensation Costs

Workers’ compensation in New York is notoriously expensive — especially for construction classes. Many contractors see premiums increase year after year, even when they have no large losses. Common reasons include:

• Misclassified payroll

• Carriers increasing rates for specific construction trades

• Experience modification factors (“mods”) rising unfairly

• Poorly documented subcontractor certificates

• Carriers unwilling to write or renew coverage

A huge concern is unexpected audits. Contractors often get hit with large additional premiums because payroll didn’t match estimates, the carrier changed classification codes, or subcontractor documentation was missing.

Solution: Work with a specialist who manages classification, audit preparation, subcontractor tracking, and compliance so your costs stay predictable.

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2. Labor Law Exposure — The Silent Killer

New York Labor Law §§ 240(1), 241(6), and 200 create strict liability for contractors and property owners when a worker falls or is injured on the job. This means:

• Even if the contractor isn’t directly responsible, they may still be held liable.

• Claims regularly reach seven-figure payouts.

• Many insurance carriers avoid New York construction risks because of this alone.

Contractors constantly worry whether their General Liability policy truly covers them — and whether exclusions like Action Over, Height Work, or Subcontractor Injury will gut their protection.

Solution: Ensure your GL policy specifically covers Labor Law exposure, has no harmful subcontractor exclusions, and is placed with a carrier that truly understands New York construction.

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3. Incomplete or Incorrect Additional Insured Coverage

This is one of the top reasons contractors lose jobs or face lawsuits they thought they were protected from.

General contractors and property owners require:

• Additional Insured status

• Primary & Non-Contributory wording

• Waivers of Subrogation

• Completed Operations coverage

• Ongoing Operations coverage

• Specific endorsements aligned with the contract

If a contractor fails to meet these exact requirements, they may be kicked off the job… or forced to pay a claim that should have been covered.

Solution: Have your insurance specialist review every contract before you sign it, and ensure endorsements match contractual language line-by-line.

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4. Subcontractor Risk — The Hidden Landmine

Most lawsuits involving contractors begin with something a subcontractor did — or failed to do. Common problems include:

• Uninsured or underinsured subs

• Subs providing fraudulent certificates

• Policies with dangerous exclusions

• Subs cancelling policies mid-job

• Lack of contractual hold-harmless agreements

If a subcontractor injures someone and they don’t have the right insurance, the general contractor is usually held responsible, even if the GC had nothing to do with the accident.

This becomes even more dangerous because many insurance carriers will deny coverage if subcontractors are not properly insured and documented.

Solution: Use a strict subcontractor verification system and never allow a sub on-site without full documentation and contract compliance.

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5. Builder’s Risk Confusion — Who Covers the Project?

Contractors constantly face questions like:

• Who insures the project — the owner or contractor?

• Does the policy cover materials stored off-site?

• Are tools and equipment included?

• Does the policy cover soft costs like permits or engineering?

• Will the lender accept the policy?

Builder’s Risk is one of the most misunderstood coverages, and a mistake can mean a contractor absorbs a six-figure loss.

Solution: Have your insurance advisor clearly outline who carries the policy, what’s covered, what’s excluded, and whether contract documents support your position.

Where Contractors Go Wrong

Many New York contractors simply buy insurance from brokers who don’t specialize in construction — and that is where major problems start. Construction is a unique, high-risk, highly regulated segment that requires deep knowledge of Labor Law, contract risk transfer, workers’ compensation, GL exclusions, and carrier appetite.

This is why the broker you choose matters as much as the policy itself.

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BGES Group — New York’s Premier Construction Insurance Specialists

At BGES Group, construction insurance is all we do. We understand the real-world challenges you face because we deal with them every single day.

Contractors work with us because:

• We know the carriers that want New York construction

• We eliminate harmful exclusions before policies are issued

• We prep contractors for audits so they avoid surprise bills

• We review contracts to protect you from upstream liability

• We manage certificates, subcontractors, and compliance

• We aggressively shop renewals so you never overpay

• We solve problems quickly — usually the same day

• We become your “insurance department” so you can focus on building

Our job is simple: Keep New York contractors protected, compliant, and profitable.

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Contact BGES Group Today

If you’re a contractor working in New York, you deserve an insurance specialist who understands your world and fights for you.

BGES Group — Construction Insurance Specialists

📍 Serving New York & the Entire Tri-State Area

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com