In today’s competitive construction market, every dollar counts. Contractors in New York, New Jersey, and Connecticut face the constant challenge of balancing tight bids, fluctuating construction material costs, and equipment expenses. The difference between a profitable project and a financial setback often comes down to smart purchasing strategies.

Fortunately, there are proven ways contractors can save money without cutting corners. Below are 10 cost-saving tips for contractors—followed by an 11th strategy many tri-state contractors overlook: reducing business insurance costs with BGES Group, one of the top contractor insurance specialists in the region.

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1. Buy in Bulk

Purchasing materials in larger quantities often results in lower per-unit costs. Many construction suppliers offer significant discounts to contractors buying in bulk. Bulk buying also reduces delivery fees and minimizes costly downtime from running out of stock mid-project.

Pro tip: Team up with other local contractors to create a buying group. This increases your purchasing power and drives down costs.

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2. Develop Strong Supplier Relationships

Loyalty matters. Contractors who build strong supplier relationships often receive better pricing, priority deliveries, and exclusive discounts. Suppliers are more willing to extend credit terms when they know you are a reliable repeat customer.

Pro tip: Share your upcoming project pipeline with your suppliers so they can help you plan orders strategically.

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3. Compare Prices and Negotiate

Never accept the first quote. Construction material prices can vary widely, even for the same items. Shop around, request multiple bids, and negotiate.

Pro tip: Let suppliers know you’re getting competing bids. A little competition often leads to lower prices.

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4. Purchase Used or Refurbished Equipment

Brand-new isn’t always necessary. Many contractors save money on construction equipment by purchasing used or refurbished machines from trusted dealers. Properly maintained equipment can perform just as effectively at a fraction of the price.

Pro tip: Check construction auctions, equipment rental companies, and manufacturer trade-in programs.

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5. Rent Instead of Buying

If you only need equipment occasionally, renting is often smarter than buying. Renting avoids the costs of maintenance, storage, and insurance associated with ownership.

Pro tip: Compare daily, weekly, and monthly rental rates. Long-term rentals often cost less per day.

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6. Time Your Purchases

Prices for construction materials fluctuate throughout the year. For example, lumber often costs less in winter when demand slows. Timing your purchases can result in big savings.

Pro tip: Stay updated on commodity price trends so you can buy when prices are favorable.

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7. Reuse and Recycle Materials

Reusing and recycling isn’t just environmentally friendly—it’s budget-friendly too. Many materials, such as scaffolding, metals, and concrete forms, can be reused across projects.

Pro tip: Create an organized storage system for leftover materials. What you save on future projects adds up quickly.

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8. Standardize Materials Across Projects

Standardizing materials helps reduce waste and simplifies purchasing. Contractors who standardize construction materials across multiple projects often benefit from better pricing through bulk orders.

Pro tip: Incorporate standardization into your project planning to maximize savings.

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9. Invest in Training and Maintenance

Untrained workers and poorly maintained equipment lead to waste and unexpected expenses. By investing in training and regular maintenance, contractors extend the life of their equipment and prevent costly downtime.

Pro tip: Schedule routine inspections and keep records to avoid expensive emergency repairs.

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10. Leverage Construction Technology

Construction technology tools like estimating software, project management apps, and inventory tracking systems can reduce waste, prevent over-ordering, and keep projects on budget.

Pro tip: Start with one or two tools that directly address your biggest cost challenges.

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The 11th Way to Save: Lower Business Insurance Costs with BGES Group

While most contractors focus on materials and equipment, one of the biggest hidden expenses for contractors in New York, New Jersey, and Connecticut is business insurance. Workers’ compensation, general liability, and construction insurance policies can consume thousands of dollars unnecessarily if not managed correctly.

That’s where BGES Group makes the difference.

BGES Group specializes in workers’ compensation insurance for contractors, construction liability insurance, and business insurance for contractors in the tri-state area. With decades of experience, BGES Group helps contractors cut costs while ensuring they have the right coverage.

Contractors who work with BGES Group benefit from:

• Lower insurance premiums tailored to contractors’ needs

• Better coverage for construction projects and crews

• Personalized service from specialists who understand contractor risks

• Fast, responsive support when problems arise

• Peace of mind knowing your business is fully protected

Many contractors don’t realize they are overpaying until BGES Group reviews their policies. In fact, contractors often discover savings that rival or exceed the cost reductions they gain from bulk material purchases.

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Contact BGES Group Today

If you’re a contractor in the tri-state area and want to save money on workers’ comp insurance or construction liability coverage, contact BGES Group today:

BGES Group – Contractor Insurance Specialists

🌐 Website: http://www.bgesgroup.com

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

📧 Email: bgesgroup@gmail.com

Saving money on materials and equipment is critical—but don’t forget the 11th way to save money as a contractor: lowering your business insurance costs with BGES Group.

If you’re a New York contractor, there’s good news on the workers’ compensation front. Beginning October 1, 2025, the New York Construction Classification Premium Adjustment Program (NYCPAP) has been completely redesigned to make it fairer, easier to use, and more rewarding for contractors who pay competitive wages.

The CPAP program has been around for years, but until now, participation was limited, and the credit amounts often didn’t reflect the real cost of doing business in the New York construction industry. The 2025 update changes that in a big way. Here’s what you need to know — and how BGES Group can help you make the most of it.

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What is the NYCPAP Program?

The NYCPAP program was created to level the playing field for construction employers who pay higher-than-average wages. Workers’ compensation premiums are typically based on payroll, not the number of employees, which means that higher-paying contractors have historically paid higher premiums — even though the risk of claims doesn’t necessarily rise in direct proportion to wages.

CPAP fixes this by giving those employers a premium credit. In short, if you pay higher wages in certain eligible construction classifications, you get money back in the form of reduced premiums.

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What’s Changing in 2025

For years, the credit system used a single statewide wage table that didn’t fully reflect the big differences between trades and class codes. That’s where the 2025 redesign comes in.

Here’s how the new system works:

• Class-Code-Specific Wage Thresholds: Instead of one generic table, the new program uses wage data specific to each construction class code. This means a carpenter is compared to other carpenters, not to ironworkers or elevator mechanics.
• Four Credit Levels: Each class code has four wage “tiers.” Your credit is 10%, 15%, 20%, or 25% depending on where your wages fall in that class code’s distribution. The higher you pay, the higher the credit.
• Automatic Data Collection: In the past, employers had to apply separately to get the credit. Many missed out simply because they didn’t know about the program or didn’t submit the paperwork. Now, insurers will collect payroll and wage data during the final audit — meaning participation should skyrocket.
• Estimated Credits Upfront: Carriers can now include an estimated CPAP credit when they issue your policy. Your final credit is adjusted at audit based on actual payroll and hours worked.
• Clear Eligibility Rules: Policies must have at least $5,000 in manual premium in New York and must include one or more CPAP-eligible class codes. Large deductible programs, retrospective rating plans, and certain wrap-ups are excluded.

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Real-World Wage Threshold Examples

To give you an idea of how this plays out, here are a few examples of wage breakpoints for popular class codes:

• Carpentry (5403): Workers earning more than $67.72/hr qualify for the full 25% credit.
• Landscape Gardening (0042): Wages over $80.68/hr earn the top credit tier.
• Iron or Steel Erection – Frame Structures (5040): Pay over $98.06/hr gets the maximum credit.
• Elevator Erection or Repair (5160): Wages above $81.18/hr qualify for the top tier.

If your average wages are below those thresholds, you may still qualify for a 10%, 15%, or 20% credit — which can still translate into thousands of dollars in premium savings.

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What Contractors Should Do Now

The redesigned CPAP program is meant to make it easier for you to get the credits you deserve, but there are still a few things you can do to make sure you don’t leave money on the table:

1. Track Wages Carefully: Make sure your payroll system can report wages and hours accurately by class code. If employees work in multiple classifications, record hours separately so your insurer can assign them correctly.
2. Be Ready at Audit: When your carrier requests payroll and wage data at the end of the policy term, respond promptly. If you don’t provide the data, the insurer is not required to apply the credit.
3. Ask for an Estimate Upfront: When renewing or shopping for coverage, ask your broker or carrier to include an estimated CPAP credit in your proposal.

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How BGES Group Helps Contractors

At BGES Group, we live and breathe workers’ compensation insurance for New York contractors. We know the ins and outs of the NYCPAP program and can make sure you’re getting the maximum credit possible.

Here’s what we do for you:

• Review Your Class Codes: Many contractors are misclassified, which leads to higher premiums and missed credits. We check your policy for accuracy.
• Estimate Your Credit Before You Buy: We run the numbers on your payroll and wage data so you can see your likely credit before binding coverage.
• Shop Your Coverage: Need a new policy? We market your account to 15+ top carriers and find you the best combination of coverage, rates, and credits.
• Assist at Audit: We work with you during final audit to make sure your wage and payroll data is reported correctly and your CPAP credit is applied.

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Why Choose BGES Group

We’ve specialized in insuring New York contractors for over 40 years. Our focus is on solving problems quickly, keeping your coverage compliant, and lowering your costs whenever possible.

When you call BGES Group, you don’t get a call center — you get an expert who answers the phone and gets things done. Whether you need a new workers’ comp policy, help with a claim, or advice on controlling premiums, we are your partner every step of the way.

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Get Started Today

Don’t miss out on the premium savings available through the redesigned CPAP program. Let BGES Group review your current policy and payroll so we can determine your eligibility and help you take advantage of every available credit.

📞 Call/Text Gary Wallach at 914-806-5853
📧 Email: bgesgroup&gmail.com

Website: www.bgesgroup.com

BGES Group is here to make sure you pay the lowest possible premium for the coverage you need — without sacrificing protection.

If your business is insured through the New York State Insurance Fund (NYSIF) and you have employees working outside of New York—whether temporarily, permanently, or from home—you may have gaps in your workers’ compensation coverage. Understanding how your NYSIF policy works, what endorsements you need, and when to seek coverage elsewhere is essential to protecting your business from unexpected costs and penalties.

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Two Big Things You Need to Know

1. Add Endorsement #127 for Temporary Work Outside New York

If your employees are New York-based but occasionally work outside of the state, you should add Endorsement #127 (Extraterritorial Coverage) to your NYSIF workers’ compensation policy.

Here’s what the endorsement does:

• It covers bodily injury to your regular New York employees while performing temporary work outside the state.
• It only pays benefits under New York State workers’ compensation law—even if the injury occurs elsewhere.
• It does not cover claims filed under another state’s workers’ compensation law.

This endorsement is especially important for remote or hybrid workers who may occasionally work outside New York, a common scenario since COVID-19. However, keep in mind:

• If an employee files in their home state (e.g., New Jersey) and that state offers higher benefits than New York, your business will be responsible for the difference.
• Endorsement #127 is not a complete solution for employees who are permanently based outside New York.

2. For Ongoing or Non-Temporary Work, Get Coverage Elsewhere

If your employees work outside New York on a regular or permanent basis—for example, at another company facility, a long-term jobsite, or as part of a multi-month project—NYSIF will not extend coverage under Section 3(A) of your policy.

Without proper coverage, you face two serious risks:

1. Denied Claims – If an employee is injured, NYSIF may deny the claim entirely.
2. Severe Penalties – You could face fines and be forced to pay the claim costs yourself—often tens of thousands of dollars or more.

For non-temporary work in other states, you need a separate workers’ compensation policy for that state or a solution that integrates all your operations into one program.

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NYSIF’s Multi-State Coverage Program: A Smart Solution

If your company meets the requirements, NYSIF offers a Multi-State Coverage (MSC) Program that allows you to insure out-of-state employees under one streamlined plan.

Here’s why MSC is worth considering:

• Fast – NYSIF experts quickly assess your out-of-state exposures and make sure you meet coverage requirements.
• Easy – In-state and out-of-state premiums are combined on your regular NYSIF monthly statement—one bill, complete coverage.
• Reliable – Coverage is available in nearly every state across the U.S.

Requirements for MSC Eligibility:

To participate, your business must:

• Have an active NYSIF workers’ compensation policy (or apply for one).
• Have more payroll/premium in New York than in all other states combined.
• Meet NYSIF’s underwriting guidelines.

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How BGES Group Can Help You

Navigating workers’ compensation compliance—especially with multi-state operations—can be overwhelming. That’s where BGES Group comes in.

Who We Are

BGES Group is a specialty insurance agency that helps businesses secure the right coverage at the best price. With over 44 years of experience, we specialize in solving tough workers’ compensation problems quickly and effectively.

What We Do for You

• Assess Your Exposure – We review your operations and pinpoint where coverage gaps may exist.
• Recommend the Right Solution – Whether it’s Endorsement #127, a separate out-of-state policy, or NYSIF’s MSC program, we guide you every step of the way.
• Simplify the Process – We handle the paperwork, coordinate with NYSIF or other carriers, and make sure you stay compliant.
• Advocate for You – If there’s ever a claim or coverage issue, we stand by your side to protect your business.

Contact BGES Group Today

Don’t wait until an accident exposes a costly gap in coverage. Call

Gary Wallach at 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

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✅ Bottom Line: If you have employees working outside of New York—even temporarily—you need to review your NYSIF workers’ comp policy now. Adding Endorsement #127 or enrolling in NYSIF’s Multi-State Coverage program could save your business thousands in uncovered claims and penalties. BGES Group makes the process easy so you can focus on running your business with peace of mind.

Running a business in New York, New Jersey, or Connecticut comes with plenty of challenges. Between managing employees, handling payroll, dealing with compliance, and trying to keep profits healthy, the last thing you want is a notice saying your workers’ compensation insurance policy has been non-renewed.

For tri-state business owners, this situation can feel overwhelming. Workers’ compensation is not optional — it’s mandatory. Without coverage, you risk fines, lawsuits, and exposure to enormous costs if an employee gets injured.

If your current carrier won’t renew your policy, you need a solution fast. That’s where BGES Group — the workers compensation specialists for tri-state businesses — step in to help.

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Why BGES Group Is the Go-To Workers Compensation Specialist

At BGES Group, we focus almost exclusively on workers’ compensation insurance. For decades, we’ve helped New York, New Jersey, and Connecticut businesses secure coverage when other agencies and carriers couldn’t. If your policy is being canceled, non-renewed, or priced out of reach, we know how to find the right solution.

Here’s what sets us apart:

1. True Workers Compensation Specialists – Many agencies treat workers’ comp as just another line of business. We live and breathe it. That means we understand claims management, underwriting guidelines, mod factors, and classifications inside and out.

2. Fast Turnaround When You’re Non-Renewed – A non-renewed workers comp policy leaves you with little time to spare. We move quickly to prevent gaps in coverage.

3. Tri-State Expertise – We specialize in the New York, New Jersey, and Connecticut workers’ comp markets, giving us access to carriers who understand local industries.

4. Access to Hard-to-Find Markets – High-risk industries like construction, trucking, or manufacturing often struggle to find coverage. We know which carriers will take on those risks.

5. Long-Term Savings – Beyond getting you insured today, we help reduce claims, lower your experience modification factor (mod), and control future premiums.

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10 Problems BGES Group Can Solve for Tri-State Business Owners

Here are real-world examples of how we can help when your workers comp policy is non-renewed or you face other challenges:

1. High Claims History – You’ve had multiple employee injuries, and your carrier drops you. We find a new insurer and help you put safety protocols in place.

2. Multi-State Operations – You’re a New York business expanding into New Jersey or Connecticut. Your old carrier won’t cover the new state. We secure a policy that covers all your operations.

3. Lapsed Coverage – You accidentally let your policy expire. We act fast to reinstate coverage and get you back in compliance.

4. High-Risk Trades – Roofers, contractors, trucking companies, and manufacturers often get declined. We specialize in these “tough” industries.

5. Carrier Withdraws from the Market – Your insurer decides to stop writing workers’ comp in Connecticut, leaving you stranded. We transition you to a reliable carrier.

6. High Mod Factor – A high mod makes your premiums unaffordable. We place your policy and guide you through lowering your mod long-term.

7. New Business with No History – Startups often get declined because they lack experience. We connect you with carriers open to insuring new ventures.

8. Employee Misclassification – You’re being overcharged because your workers are misclassified. We fix the codes and reduce your costs.

9. Audit Disputes – A disagreement with your old carrier leads to non-renewal. We resolve the issue and move you to a new policy.

10. Unique Business Models – You don’t fit neatly into standard classifications, and carriers don’t know how to rate you. We negotiate directly with underwriters to get you proper coverage.

If any of these problems sound familiar, BGES Group can help.

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What Business Owners Say About BGES Group

Here are 5 Google reviews that highlight why we’re trusted as one of the top workers compensation agencies in the tri-state area:

1. “Gary at BGES Group helped us when our workers comp was canceled. He explained everything clearly and had us covered within days. Truly the best workers compensation specialist out there.”

2. “Our company was non-renewed and we thought we were finished. BGES Group found us coverage quickly and saved our business. Highly recommend!”

3. “We’re in a high-risk trade and every carrier turned us away. BGES Group knew exactly where to go. They’re the only workers comp agency I’ll ever use.”

4. “Gary and his team don’t just place policies — they help you manage claims and control costs. That level of service is rare in insurance.”

5. “Professional, fast, and always available. If you’re a business owner in New York, New Jersey, or Connecticut and need workers comp help, call BGES Group.”

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The Bottom Line for Tri-State Business Owners

If your workers compensation policy is being non-renewed, you can’t afford to wait. A lapse in coverage puts your business at risk of fines, lawsuits, and financial disaster if an employee is injured.

BGES Group has helped countless tri-state businesses — from contractors and manufacturers to retailers and trucking firms — secure coverage when others couldn’t. We’re not just insurance agents; we’re workers compensation specialists who solve problems fast.

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Contact BGES Group Today

📍 BGES Group

Workers Compensation Specialists – Serving New York, New Jersey & Connecticut

📞 Call: Gary Wallach at 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

👉 If your workers comp insurance policy is non-renewed, don’t panic. Call the tri-state workers compensation specialists at BGES Group and get the protection your business needs.

When you’re running a contracting business in New York, one of the biggest challenges you face—aside from managing crews, deadlines, and rising material costs—is navigating the complex world of construction insurance. You already know that the wrong coverage (or the wrong broker) can cost you dearly in the event of a claim. What you may not know is that choosing the right insurance partner can save you money, streamline your operations, and protect your livelihood.

That’s where BGES Group comes in. For decades, BGES Group has built a reputation as one of the best construction insurance agencies in New York State. Unlike the “factory-style” agencies where you’re just a number, BGES Group provides highly personalized service, real expertise, and the peace of mind that every policy is crafted with your business in mind.

Here are 10 reasons why New York contractors consistently choose BGES Group for their construction insurance needs:

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1. Immediate Response – We Pick Up on the First Ring

No more waiting hours—or even days—for a callback. At BGES Group, your calls are answered right away, so you’re never left hanging when you need something urgent like a certificate of insurance.

2. Certificates of Insurance Issued Fast

Contractors can’t afford delays. We know jobs can grind to a halt without proper certificates, so we prioritize fast, accurate turnaround every time.

3. Access to Top Construction Insurance Programs

We specialize in New York construction insurance markets, giving you access to competitive rates and programs that many agencies don’t even know exist.

4. Expertise in the Toughest Markets

New York construction is one of the most heavily regulated and high-risk industries in the country. Our team understands labor law, contractual risk transfer, and scaffold law better than most agencies, so your business stays protected.

5. Tailored Policies – No Cookie Cutter Coverage

Your drywall company doesn’t have the same risks as an excavation contractor. We design policies specific to your trade, size, and risk tolerance.

6. Advocacy at Claim Time

If you have a claim, we don’t leave you to fight with the carrier alone. We stand by your side, advocate for your business, and work to ensure you get the best outcome possible.

7. Transparent and Honest Advice

We don’t push policies you don’t need or bury exclusions in fine print. Our goal is long-term partnerships built on trust, not quick sales.

8. Family-Style Service

BGES Group isn’t a corporate giant where you’re shuffled from one rep to another. You’ll work directly with knowledgeable, friendly people who truly care about your success.

9. Proven Track Record

With decades of experience and hundreds of contractors served, we’ve built a reputation as one of New York’s go-to construction insurance specialists.

10. Competitive Pricing Without Cutting Corners

We know premiums in New York are high. That’s why we aggressively market your account to multiple carriers, securing you the best rates without sacrificing coverage quality.

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What Contractors Are Saying: 5 Google Reviews

Don’t just take our word for it—here’s what contractors like you are saying about working with BGES Group:

⭐️⭐️⭐️⭐️⭐️ “Gary and his team are phenomenal. They’re always available when I call, and I never have to chase them for certificates. They make running my business so much easier.”

⭐️⭐️⭐️⭐️⭐️ “I’ve worked with several brokers before, and BGES Group is by far the most knowledgeable when it comes to New York construction insurance. They helped me save thousands on my liability policy.”

⭐️⭐️⭐️⭐️⭐️ “What sets BGES apart is their service. They treat you like family, not like an account number. I know I can trust them to have my back.”

⭐️⭐️⭐️⭐️⭐️ “Our company had a complicated claim, and Gary personally fought for us. Without BGES, we would have been stuck. I’ll never go anywhere else for insurance.”

⭐️⭐️⭐️⭐️⭐️ “The professionalism, knowledge, and responsiveness of BGES Group is unmatched. They’re a true partner for contractors in New York.”

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Why BGES Group is Different From Other Agencies

Many agencies in New York operate like call centers. You get bounced between account managers, certificate teams, and claims departments, all while paying high premiums. BGES Group takes a different approach:

• Hands-On Service: We know our clients by name and understand their businesses inside and out.

• Industry Focus: Our niche is construction insurance, so our expertise runs deep.

• Long-Term Partnerships: We don’t just sell policies—we grow with our clients, helping them adapt to changing laws, contracts, and risks.

When you work with BGES Group, you’re not just buying insurance—you’re gaining a trusted advisor who works as hard as you do to keep your business protected.

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Contact BGES Group Today

If you’re a contractor in New York and you’re tired of dealing with agencies that don’t answer the phone, drag their feet on certificates, or don’t understand the unique challenges of your industry, it’s time to switch to BGES Group.

📍 BGES Group

Specialists in New York Construction Insurance

🌐 Website: http://www.bgesgroup.com

📞 Contact: Gary Wallach

📱 Cell: 914-806-5853

📧 Email: bgesgroup@gmail.com

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Final Thoughts

Running a construction business in New York is hard enough—you shouldn’t have to worry about whether your insurance broker is doing their job. With BGES Group, you’ll get unmatched service, expert guidance, and peace of mind, knowing your business is protected by one of the best construction insurance agencies in New York State.

If you’re a business owner in New York, New Jersey, or Connecticut, you know workers’ compensation insurance isn’t just a requirement—it’s one of your company’s biggest expenses. But here’s the question: Are you really getting the best value for your money?

At BGES Group, we specialize in helping business owners like you cut costs, improve coverage, and eliminate the headaches that come with managing workers’ comp.

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10 Common Problems BGES Group Can Solve for You

1. Skyrocketing Premiums – We shop multiple markets and often save clients 10–30%.

2. Poor Customer Service – Tired of waiting days for answers? We answer our phones on the first ring.

3. Slow Certificate Requests – We issue certificates immediately so your jobs don’t get delayed.

4. Audit Surprises – We help you prepare in advance and fight unfair audit results.

5. Claims Mishandling – We actively monitor claims to control costs and speed up closure.

6. Difficult Class Codes – We know how to properly classify employees to avoid overcharges.

7. Coverage Gaps – We make sure your policy covers what it should and protects you from lawsuits.

8. No Clear Guidance – We explain policies in plain English, not confusing insurance jargon.

9. Poor Experience Mod (X-Mod) – We show you how to improve your safety programs to lower your mod.

10. Feeling Like a Number – We give every client personalized service, whether you’re big or small.

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What Our Clients Say: Real Google Reviews

⭐️⭐️⭐️⭐️⭐️

“BGES Group saved us over $25,000 on our workers’ comp renewal. Gary walked us through every step and made the process painless.”

⭐️⭐️⭐️⭐️⭐️

“Best insurance agency we’ve ever worked with. Calls are answered right away, certificates issued instantly, and real people who actually care.”

⭐️⭐️⭐️⭐️⭐️

“Gary knows construction inside and out. He found mistakes in our old policy that were costing us thousands. Highly recommend!”

⭐️⭐️⭐️⭐️⭐️

“After years of frustration with our old broker, switching to BGES was the best move we made. Service and savings both exceeded expectations.”

⭐️⭐️⭐️⭐️⭐️

“They don’t treat you like a policy number—they treat you like family. That’s rare in this business.”

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Why BGES Group Is Different

Most insurance organizations operate like factories: high-volume, low-service, and zero personal connection. BGES Group is the opposite. We pride ourselves on being a first-class construction and business insurance specialist with decades of experience.

• We know the New York construction and business market better than most agencies.

• We market your account aggressively to find the best carriers and programs.

• We personally manage your account from start to finish—no call centers, no runaround.

• We treat your business as if it were our own, with honesty, responsiveness, and expertise.

The result? Lower costs, better coverage, and peace of mind knowing you’re in the hands of true specialists.

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Contact BGES Group Today

Stop overpaying and start getting the service you deserve.

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

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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BGES Group – Your First-Class Workers’ Compensation & Construction Insurance Specialists.

If you’re a New York contractor, you already know how brutal the business can be. Labor laws, lawsuits, audits, insurance premiums, and endless paperwork—there’s never a shortage of headaches. The last thing you need is to get stuck with a factory-like insurance agency where you’re treated like just another number in a long line of clients.

The truth? Working with the wrong broker can be torture—long hold times, clueless staff, delayed certificates, unanswered questions, and indifference when you need urgent help.

That’s why contractors across New York are turning to BGES Group—a boutique firm specializing in construction insurance. With BGES Group, you don’t just get a policy. You get a specialist who actually fights for you—a person who book and street smart, picks up the phone, deliver results fast, and understands the ins and outs of the construction business like no one else.

Here’s why partnering with BGES Group is one of the smartest moves you can make for your business.

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10 Reasons to Work With BGES Group

1. They Answer the Phone on the First Ring

No waiting, no transfers, no automated systems. When you call, you reach a knowledgeable specialist immediately.

2. They Market Your Account Aggressively

Instead of throwing your file into a pile, BGES Group takes the time to market your account with the right carriers, ensuring you get the best coverage at the best price.

3. Certificates of Insurance Issued Immediately

Need a certificate to get paid or start a job? With BGES Group, you won’t wait hours or days. Certificates are issued right away, keeping your projects moving.

4. Decades of Knowledge and Experience

The BGES team knows New York construction inside and out. They understand labor law, additional insured endorsements, umbrella liability, and workers’ comp in ways most factory-like agencies simply don’t.

5. Trustworthy Advisors

BGES Group builds relationships based on trust, not transactions. They’ll tell you the truth, even when it’s not what you want to hear—because protecting your business comes first.

6. No Mood Swings or Excuses

Too many agencies act like they’re doing you a favor. At BGES Group, professionalism is consistent. You’ll never deal with a broker who’s moody, distracted, or unreliable.

7. They Specialize in New York Construction

From general contractors to subcontractors in trades like drywall, plumbing, electrical, and roofing—BGES knows the coverage you need, the endorsements required, and how to avoid gaps that could destroy your business.

8. They Fight for Claims Support

When accidents happen, BGES doesn’t leave you stranded. They go to bat for you, making sure claims are handled fairly and quickly.

9. They Understand the Pressures Contractors Face

Missed deadlines, rising costs, demanding clients—BGES gets it. They know your insurance program needs to work with you, not against you.

10. Personalized Service—Never Cookie Cutter

Every contractor is unique. BGES Group customizes programs so you’re not stuck with one-size-fits-all coverage that could leave you exposed.

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What Contractors Are Saying

Don’t just take our word for it. Here are five real Google reviews from BGES Group clients:

⭐ “Gary is the best! Always answers the phone, always answers my questions, and always takes care of business. Couldn’t ask for more.”

⭐ “This group is a breath of fresh air. After dealing with agencies that left me on hold forever, BGES Group feels like working with family—fast, professional, and trustworthy.”

⭐ “They know New York construction insurance better than anyone. Certificates are issued immediately and I never worry about being stuck waiting to get paid.”

⭐ “When I had a claim, BGES went to war for me. They made sure it was handled quickly and fairly. That’s something most brokers don’t do.”

⭐ “Reliable, knowledgeable, and honest. They don’t sugarcoat things, they just get it done. Highly recommend to any contractor.”

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Why Choosing the Right Insurance Partner Matters

Construction in New York is not for the faint of heart. Between the unique labor laws, aggressive attorneys, and strict compliance requirements, having the wrong insurance setup can bankrupt even a seasoned contractor.

The difference between surviving and thriving often comes down to your insurance broker’s competence and dedication. A factory-like agency may sell you a policy, but when disaster strikes—or when you’re trying to secure a big job—they’re nowhere to be found.

BGES Group is different. They are proactive, not reactive. They’re built to serve contractors like you who can’t afford delays, mistakes, or indifference. With BGES, you gain a true partner who makes sure your insurance program works for you, not against you.

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Ready to Experience the BGES Difference?

If you’re tired of factory-like agencies treating you like a number… if you’re sick of waiting days for certificates… if you want a first-class specialist who answers your calls and fights for your business… then it’s time to make the switch.

Contact BGES Group today and see why New York contractors are choosing them over big-box agencies:

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

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

Stop settling for torture. Start working with a first-class New York construction insurance specialist—BGES Group.

For business owners in New York, New Jersey, and Connecticut, finding the right workers’ compensation insurance is not just a box to check — it’s a crucial step in protecting employees, controlling costs, and keeping operations running smoothly. Whether you’ve been non-renewed, hit with a massive premium increase, or are simply looking for better service, navigating the workers’ comp marketplace can feel overwhelming.

That’s where BGES Group comes in. For decades, we’ve helped business owners across the tri-state area secure competitive workers’ compensation policies that protect their people and their bottom line.

Here’s why so many companies turn to BGES Group for their workers’ compensation insurance needs:

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10 Reasons to Choose BGES Group for Workers’ Compensation Insurance

• We Specialize in Workers’ Compensation – Unlike generalist agencies, our team is laser-focused on workers’ comp, meaning we know the carriers, programs, and strategies that work best for your industry.
• Access to Exclusive Programs – We work with specialty carriers and programs that many other agencies can’t access, giving our clients more competitive options.
• Solutions for Tough Classes – Construction, manufacturing, healthcare — even companies that have been non-renewed or face high experience mods — we find solutions where others can’t.
• Proven Experience Mod Reduction Strategies – We help you lower your experience modification factor (EMR), which directly lowers your premium.
• Aggressive Claims Management – We work with you and the carrier to reduce claims costs, get injured workers back on the job quickly, and avoid premium-spiking reserves.
• Audit Support – We guide you through the workers’ comp audit process to prevent costly mistakes and unnecessary additional premiums.
• Personalized Service – You won’t be just a policy number. Our team provides direct, responsive service whenever you need it.
• Competitive Bidding – We shop your account with multiple carriers to make sure you’re getting the most competitive rates available.
• Help for New Businesses – Just starting out? We can help you get coverage even if you’ve never had a policy before.
• Education and Risk Management – We show you how to create safer workplaces, prevent injuries, and keep your long-term costs down.

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Why BGES Group is the Tri-State Workers’ Comp Specialist

BGES Group is one of the premier workers’ compensation specialists serving New York, New Jersey, and Connecticut. We’ve built our reputation by focusing on one thing: helping business owners like you find the right coverage at the right price.

When other agencies say “no,” we find ways to say “yes.” We know the nuances of state rules, carrier appetites, and industry-specific exposures — and we use that knowledge to deliver results. Whether you’re a contractor, manufacturer, wholesaler, medical office, or professional firm, we have solutions tailored to your business.

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Five Examples of How Businesses Can Be Helped

1. Construction Contractor with Non-Renewal:
Imagine a mid-sized contractor in Brooklyn receiving a non-renewal notice after multiple claims. Other agencies can’t find coverage — but BGES Group can step in, place them in a specialty construction program with competitive rates, and provide access to safety resources to help prevent future injuries.

2. Manufacturer Facing High Premiums:
Picture a New Jersey metal fabrication shop with an experience mod of 1.64, causing premiums to skyrocket. BGES Group could implement claims management strategies and safety training, helping to lower their mod and potentially reduce annual premiums significantly.

3. New Business with No Coverage History:
Consider a startup cleaning company in Connecticut that needs workers’ comp but has no coverage history. BGES Group can find a carrier willing to write their first policy, allowing them to hire employees and grow legally and safely.

4. Medical Office Hit with Audit Bill:
Suppose a multi-location medical practice in Westchester County receives a large audit adjustment. BGES Group can review the audit, correct misclassifications, and help reduce the additional premium owed.

5. Distributor Seeking Better Service:
Think about a wholesale distributor frustrated by years of poor communication from their agent. BGES Group can take over their account, streamline claims handling, and negotiate a policy that saves them money and provides better service.

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Partner with BGES Group Today

When it comes to workers’ compensation insurance, you don’t just need a policy — you need a partner who will advocate for your business and help you manage costs year after year.

Contact BGES Group today to discuss your situation:

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

Let us do the heavy lifting so you can focus on running your business.

If you’re a contractor in New York, you already know how complicated—and expensive—insurance can be. Between strict labor laws, demanding project owners, and the constant risk of accidents, your business is exposed on many fronts. Contractors often ask the same questions about three key coverages: general liability, umbrella liability, and workers’ compensation.

Below, we’ve gathered 15 of the most common questions New York contractors have about these policies, along with clear answers to help you protect your business.

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General Liability Questions

1. What exactly does general liability insurance cover?

General liability protects your business if your work causes bodily injury, property damage, or personal/advertising injury to others. For contractors, this usually means injuries to third parties, damage to client property, or lawsuits related to your completed work.

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2. How does New York Labor Law affect my general liability?

New York’s Labor Laws 240, 241, and 200 make contractors and building owners liable for most construction-related accidents, especially falls from heights. Many insurers exclude or heavily restrict this coverage, which is why having the right policy is crucial.

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3. What is a “completed operations” exposure?

Once a project is finished, your liability doesn’t end. If your work later causes damage or injury (for example, faulty wiring leading to a fire), you could face a completed operations claim. Your policy must specifically include this coverage.

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4. Do subcontractors need to carry their own general liability?

Yes—without it, you’re fully responsible for their mistakes. Every subcontractor should provide a certificate of insurance naming you as an additional insured. Otherwise, their claims may fall back on you.

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5. How much general liability coverage should I carry?

Most New York contractors carry at least $1M per occurrence and $2M aggregate. But many project owners now require higher limits, which is where an umbrella policy comes in.

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Umbrella Liability Questions

6. What does an umbrella policy cover?

Umbrella liability sits on top of your general liability, commercial auto, and employers’ liability policies. It provides extra limits of protection if a claim exceeds the underlying policy’s limit.

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7. Why do contractors in New York often need umbrellas?

Because claim costs here are higher than almost anywhere else. With Labor Law lawsuits routinely reaching into the millions, a $1M general liability policy is often not enough. An umbrella ensures your business isn’t bankrupted by one big claim.

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8. How much umbrella coverage do I need?

It depends on your project size and contractual requirements. Many mid-sized contractors carry $5M, while larger firms may need $10M or more. GCs and owners often specify the required amount in contracts.

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9. Are umbrella policies all the same?

No. Some umbrellas exclude New York Labor Law coverage or have hidden restrictions. Always review the fine print—otherwise you might think you’re protected, only to find an exclusion blocks coverage when you need it most.

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10. Can an umbrella cover subcontractor work?

Yes, but only if the subcontractor is properly insured and your contract requires them to name you as an additional insured. Otherwise, your umbrella could end up paying for their mistakes.

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Workers’ Compensation Questions

11. Who needs to carry workers’ compensation in New York?

Any business with employees—even one part-timer—must carry workers’ comp. In construction, the rules are even stricter: subs and day laborers are often considered your employees for comp purposes if they’re uninsured.

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12. Are 1099 contractors covered by my policy?

If they work under your direction and do not have their own valid workers’ comp, the state may consider them your employees. If they get hurt, you could be responsible. This is one of the biggest areas of confusion (and surprise premium charges) for contractors.

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13. How are workers’ comp premiums calculated?

Premiums are based on payroll, job classification codes, and your company’s claims history. For contractors, rates vary depending on the trade—for example, carpentry is more expensive than clerical work. Insurers audit your records each year to verify payrolls and classifications.

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14. Can I reduce my workers’ comp costs?

Yes. You can:

• Properly classify employees and subs

• Maintain strong safety programs to reduce injuries

• Work with a broker who challenges unfair audit findings

• Consider a pay-as-you-go program to avoid big audit bills

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15. What happens if I don’t carry workers’ comp?

In New York, penalties are severe. You can face fines, stop-work orders, lawsuits, and even personal liability if an uninsured worker is injured. For contractors, operating without comp is a risk that can destroy your business.

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Why Contractors Choose BGES Group

Having the right policies is only part of the solution. You need a broker who understands New York construction inside and out—someone who knows the difference between a policy that looks good on paper and one that actually protects you in court.

That’s where BGES Group comes in.

We specialize in New York construction insurance—it’s not a sideline, it’s our focus. Contractors work with us because:

• We know the risks you face. Labor Law claims, subcontractor issues, audits—this is our daily world.

• We deliver personal, boutique-style service. You won’t be stuck with call centers or shuffled between departments. You’ll deal directly with someone who knows your account.

• We handle the details. From reviewing subcontractor certificates to making sure your umbrella covers Labor Law, we catch what others miss.

• We fight for you. Whether it’s negotiating premiums, fixing audits, or helping during a claim, we’re in your corner.

• We give peace of mind. Our contractors tell us they finally sleep better knowing their insurance program is solid.

While many agencies have become “factory-like” and impersonal, BGES Group still works the old-fashioned way: one contractor at a time, with care, speed, and expertise.

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Contact BGES Group Today

Don’t wait until a claim or audit exposes gaps in your coverage. Protect your company with the right liability and workers’ comp program designed specifically for New York contractors.

📞 Gary Wallach

BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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👉 New York contractors, you build projects that last. Let BGES Group build the insurance protection your business deserves.

New York contractors face a unique challenge that contractors in most other states do not: Labor Laws 240 and 241. These statutes have been called “Scaffold Laws” and are some of the strictest construction-related liability laws in the country. If you’re a contractor working in New York, it’s not just important to understand these laws—it’s critical to make sure your insurance is set up correctly to protect you from devastating financial loss.

In this article, we’ll break down the laws, provide real-world claim examples, explain how liability shifts depending on whether insurance and hold harmless agreements are in place, and show you how your Commercial General Liability (CGL) policy must be structured to ensure you have coverage. Finally, we’ll introduce how BGES Group can help you navigate these complexities when your insurance comes up for renewal.

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Understanding New York Labor Laws 240 and 241

• Labor Law 240 (Scaffold Law):

This law places absolute liability on property owners and general contractors when a worker suffers injury or death from a gravity-related accident, such as a fall from a height or being struck by a falling object. The key point here is that workers do not have to prove negligence. If proper safety devices (scaffolds, hoists, harnesses, ladders) were not provided, the owner and GC are automatically liable.

• Labor Law 241:

This statute relates to maintaining safe construction, demolition, and excavation sites. It requires that specific safety rules and standards be followed. Violations can result in liability for owners and contractors if an injury occurs.

Together, these laws are the backbone of New York’s worker protection system—but they also expose contractors and owners to lawsuits with little defense.

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Example Claims with Insurance and Hold Harmless Agreements in Place

Assume the following structure:

• Building Owner hires a General Contractor (GC).

• GC subcontracts work to several subcontractors.

• Insurance requirements and hold harmless/indemnification agreements are properly in place.

Claim #1: Roofer Falls from Scaffold

A roofing subcontractor’s employee falls from improperly secured scaffolding, suffering severe injuries.

• Under Labor Law 240, the Building Owner and GC are automatically liable.

• Because of the hold harmless agreement, the subcontractor’s insurance steps in to defend and indemnify the GC and Owner.

• The GC’s risk is greatly reduced, and the Owner’s liability is passed downstream.

Claim #2: Falling Object on Masonry Job

A mason’s employee is struck by a falling brick from above.

• Labor Law 240 applies since it’s a gravity-related injury.

• The subcontractor’s insurance and indemnity agreement provide defense for the GC and Owner.

• The GC’s CGL policy is protected from direct payout, keeping losses contained.

Claim #3: Excavation Cave-In

An excavation worker is injured when a trench collapses.

• Labor Law 241 applies because safety standards for excavation weren’t followed.

• The subcontractor’s policy responds due to contractual indemnity.

• The GC and Owner still face involvement but are financially shielded by proper agreements.

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Example Claims with No Insurance or Hold Harmless Agreements

Now let’s imagine the same accidents—but without insurance requirements or indemnity agreements.

Claim #1: Roofer Falls from Scaffold

The roofer’s subcontractor has no insurance and no indemnification agreement.

• The injured worker sues the Owner and GC.

• Without downstream protection, the GC’s and Owner’s insurance must defend and pay damages.

• The GC’s loss history is hit hard, leading to skyrocketing premiums or non-renewal.

Claim #2: Falling Object on Masonry Job

Same falling brick accident—but the subcontractor lacks insurance.

• The Owner and GC are held directly responsible.

• The GC’s CGL policy responds, but the entire judgment may fall on the GC.

• Out-of-pocket exposure is possible if policy limits are insufficient.

Claim #3: Excavation Cave-In

A trench collapse injures a worker, but the subcontractor is uninsured.

• The worker sues both the GC and Owner.

• With no indemnity in place, liability cannot be transferred.

• Both the GC and Owner face multimillion-dollar exposure, with insurance carriers possibly fighting over coverage.

Bottom line: Without proper insurance and hold harmless agreements, the GC and Owner become the ultimate insurers of every subcontractor’s workforce.

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Your Commercial General Liability Policy and Labor Law Coverage

Most New York contractors assume their CGL policy will protect them if a Labor Law 240 or 241 claim arises. Unfortunately, this is not always true. Many policies contain exclusions that strip away coverage for the very claims most likely to happen in New York construction.

To protect yourself, your policy must:

1. Cover Action Over Claims:

These are lawsuits where an injured worker sues the Owner or GC, and the Owner/GC then brings action against the subcontractor. If your policy has an “Action Over Exclusion,” coverage may be denied.

2. Avoid Employee Injury Exclusions:

If your policy excludes injuries to employees or subcontractors’ employees, you could be left paying damages personally.

3. Provide Broad Contractual Liability Coverage:

Limited contractual liability coverage may not respond to indemnity agreements you’ve signed with Owners or GCs. You need full contractual liability coverage so your insurance can defend and indemnify as promised.

In short: If your policy has any of these exclusions—Action Over, Employee Injury, or Limited Contractual Liability—you may have no coverage for a Labor Law claim.

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Why Contractors Choose BGES Group

More and more New York contractors are coming to BGES Group because we know the ins and outs of Labor Law exposure and contractor liability coverage. Unlike “factory-style” agencies that treat clients like numbers, BGES Group offers boutique-level service. We carefully review your policies, spot dangerous exclusions, and make sure your coverage is structured to protect your business—not leave you exposed.

When your policies come up for renewal, don’t just accept what your broker hands you. Labor Law claims are among the costliest exposures in the country. One uncovered claim could bankrupt your business.

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Contact BGES Group Today

BGES Group specializes in New York construction insurance. We know how to protect contractors from the hidden dangers of Labor Laws 240 and 241.

📞 Call Gary Wallach: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: http://www.bgesgroup.com

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✅ Protect your business. Review your coverage. Don’t leave your future to chance.