In the fast-paced construction industry, New York contractors face a multitude of challenges, with high workers’ compensation premiums being one of the most significant. Often, contractors unknowingly overpay on these premiums due to errors in audits, misclassifications, or improper payroll reporting. Recovering these overpayments can lead to substantial financial relief, allowing contractors to reinvest in their business, hire more staff, or improve their operations.

This article explores the process of workers’ compensation premium recovery, provides five hypothetical examples of potential savings, and highlights how BGES Group can assist New York contractors in reclaiming their money.

Understanding Workers’ Compensation Premium Recovery

Workers’ compensation premiums are calculated based on several factors, including job classifications, payroll, and experience modification rates (EMRs). Errors in any of these areas can lead to overpayments. Unfortunately, many contractors are unaware of these mistakes, leaving significant amounts of money unclaimed.

Premium recovery is the process of identifying and correcting these errors, often resulting in refunds for overpaid amounts. While the process can be complex, insurance experts like BGES Group specialize in helping contractors navigate these issues and recover their rightful funds.

Five Hypothetical Examples of Premium Recovery

Here are five examples that demonstrate how much contractors could potentially recover by addressing workers’ compensation premium errors:

1. General Contractor – $50,000 Recovered

A general contractor was audited and charged for subcontractors without proper certificates of insurance. Upon review, it was discovered that many subcontractors had their own valid workers’ compensation policies. Correcting these errors led to a $50,000 refund.

2. Roofing Contractor – $75,000 Recovered

A roofing contractor had employees misclassified under a higher-risk job code, resulting in inflated premiums. After a detailed audit, the correct classification was applied, and the contractor received a refund of $75,000.

3. Electrical Contractor – $35,000 Recovered

An electrical contractor’s payroll was inaccurately reported to include non-covered employees, such as clerical staff. Correcting this mistake resulted in a $35,000 refund from their insurer.

4. Demolition Contractor – $90,000 Recovered

A demolition contractor discovered that their EMR was calculated incorrectly due to an error in their claim history. With BGES Group’s assistance, the error was corrected, leading to a $90,000 recovery.

5. HVAC Contractor – $40,000 Recovered

An HVAC contractor overpaid premiums due to discrepancies in audit reports from previous years. A comprehensive review revealed the errors, and the contractor received a $40,000 refund.

These examples highlight how much money contractors can reclaim by addressing workers’ compensation premium errors.

How BGES Group Can Help

BGES Group is a trusted name in the insurance industry, offering specialized services to contractors in New York, New Jersey, and Connecticut. They are particularly skilled in helping contractors manage workers’ compensation insurance and recover overpaid premiums.

Here’s why BGES Group stands out:

1. Workers’ Compensation Expertise

With decades of experience, BGES Group understands the complexities of workers’ compensation insurance. They know where to look for errors and how to resolve them effectively.

2. Comprehensive Insurance Solutions

In addition to workers’ compensation, BGES Group offers a range of insurance products, including general liability, umbrella liability, payroll services, and group health insurance.

3. Proactive Premium Recovery

BGES Group conducts detailed audits of clients’ policies and premium calculations to uncover errors and recover overpayments. Their proactive approach ensures contractors aren’t leaving money on the table.

4. Specialized Programs for High-Risk Contractors

BGES Group has programs tailored to contractors in high-risk industries, such as roofing, demolition, and asbestos removal. These programs are designed to provide optimal coverage at competitive prices.

5. Boutique-Style Service

BGES Group prides itself on offering personalized service. They work closely with contractors to understand their unique needs and provide tailored solutions.

The Premium Recovery Process

The process of recovering workers’ compensation premiums involves several steps, which BGES Group handles on behalf of their clients:

1. Policy and Audit Review

BGES Group begins by reviewing current and past workers’ compensation policies and audits. They analyze payroll reports, job classifications, and subcontractor information for discrepancies.

2. Error Identification

Their experts identify errors such as misclassifications, incorrect payroll reporting, or invalid subcontractor charges.

3. Documentation Collection

BGES Group gathers the necessary documentation to support the corrections, such as certificates of insurance, payroll records, or audit reports.

4. Negotiation with Insurers

They work directly with insurance carriers to resolve the issues and secure refunds for overpaid premiums.

5. Future Prevention

In addition to recovering overpayments, BGES Group helps contractors implement systems to prevent similar errors in the future.

Contact BGES Group

If you suspect you’ve overpaid on your workers’ compensation premiums or want to ensure you’re not paying more than necessary, BGES Group is here to help. Contact Gary Wallach, the founder and principal of BGES Group, to get started:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Gary and his team are dedicated to helping contractors recover their money and optimize their insurance coverage.

Final Thoughts

Workers’ compensation premium recovery is a valuable but often overlooked opportunity for New York contractors. By addressing errors in policies and audits, contractors can reclaim significant amounts of money that can be reinvested into their businesses.

BGES Group is a trusted partner in this process, offering the expertise and personalized service needed to navigate the complexities of workers’ compensation insurance. With their help, contractors can unlock hidden savings and ensure they’re not overpaying in the future.

Don’t let your hard-earned money go to waste. Contact BGES Group today and start recovering your overpaid workers’ compensation premiums.

As a New York contractor, you know all too well how challenging it is to keep your business running smoothly while managing soaring insurance costs. With rising liability and workers’ compensation premiums, staying competitive can feel like an uphill battle. But what if there was a way to slash your insurance costs by up to 20%—or even more?

At BGES Group, we specialize in helping contractors like you save money, enhance coverage, and improve your cash flow. Let us show you how.

Access to the Best Liability and Workers’ Compensation Programs

One of the biggest challenges contractors face is being stuck with limited insurance options. Many brokers fail to shop the market thoroughly, leaving you with overpriced policies or inadequate coverage. BGES Group takes a different approach. We have access to all the best liability and workers’ compensation programs in the industry.

Whether you’re working on residential projects, high-risk operations like roofing or demolition, or something in between, BGES Group can tailor a program to fit your specific needs. Our goal is simple: take what you’re currently paying and strive to reduce those costs by up to 20% or more—without compromising the quality of your coverage.

Free Review of Your Current Program

Are you confident that your current insurance program fully protects your business? If not, you’re not alone. Many contractors discover too late that their policies have coverage gaps, leaving them exposed to costly claims.

At BGES Group, we offer a free review of your present insurance program. During this comprehensive review, we’ll identify any issues your broker may have overlooked, ensuring you’re not at risk of unexpected liabilities. If we find gaps or errors, we’ll point them out and provide actionable solutions. This isn’t just about saving you money—it’s about giving you peace of mind.

Get Money Back on Workers’ Compensation Overpayments

Did you know that you could be entitled to significant refunds on your workers’ compensation premiums? Most contractors are unaware that they’ve overpaid their workers’ compensation coverage going back as far as seven years.

BGES Group has a unique way to help you recover these overpayments. Imagine recouping $100,000, $200,000, or even more. That’s money that goes directly back into your business, reducing your cash flow outlay and giving you extra resources to invest in growth or operations.

Here’s how it works:

         1.          We review your past workers’ compensation policies and payments.

         2.          We identify errors, overcharges, or misclassifications.

         3.          We work with carriers to secure your refunds.

Recovering these funds is a game-changer, providing your business with financial flexibility while further lowering your insurance costs.

Other Ways to Reduce Your Insurance Costs

At BGES Group, we understand that reducing insurance costs isn’t a one-size-fits-all solution. That’s why we explore every opportunity to cut your premiums. Whether it’s negotiating better rates, bundling coverage, or adjusting policy terms to better suit your operations, we’ll find creative ways to help you save.

Sometimes, “skinning the cat” means looking at your entire risk management strategy. For example, ensuring proper subcontractor documentation or revisiting outdated classifications can significantly impact your bottom line. As experts in New York construction insurance, we have the knowledge and experience to guide you through these opportunities.

What Makes BGES Group Different?

BGES Group is not your average insurance agency. Here’s what sets us apart:

         1.          Boutique-Like Service – We’re a smaller agency, but that’s what makes us better. You’ll get hands-on attention from experts who know your industry inside and out.

         2.          Expertise in Construction Insurance – With decades of experience, we’ve worked with contractors across New York and the Tri-State area, from small operations to large-scale firms.

         3.          Nationwide Programs – While we specialize in New York, our programs extend nationwide, so if you have projects outside the state, we’ve got you covered.

         4.          Competitive Pricing – We pride ourselves on finding the best coverage at the most competitive rates.

         5.          Proactive Claims Support – If you experience a claim, our team is here to advocate for you, ensuring a smooth and fair resolution.

How to Get Started

At BGES Group, we’re here to make your life easier. Reducing insurance costs, improving coverage, and enhancing your cash flow are what we do best. Whether it’s liability insurance, workers’ compensation, or a combination of both, we’ll work tirelessly to find you the best possible solutions.

Ready to see how much you can save? Here’s how you can get started:

         1.          Call Us for a Free Insurance Review – We’ll analyze your current policies and look for savings opportunities and coverage improvements.

         2.          Discuss Your Workers’ Compensation Refunds – Let us investigate if you’ve overpaid in the past and get you the money you’re owed.

         3.          Explore New Insurance Programs – We’ll customize a program that fits your needs, reduces costs, and protects your business.

Contact BGES Group Today

Stop overpaying for insurance. Let BGES Group help you reduce your costs, protect your business, and improve your cash flow.

            •             Phone: Call Gary Wallach at 914-806-5853

            •             Email: bgesgroup@gmail.com

            •             Website: www.bgesgroup.com

Don’t wait—reach out today and start saving money on your insurance!

Attention Tri-State business owners! Managing workers’ compensation can be a time-consuming, stressful, and costly endeavor—but it doesn’t have to be. BGES Group offers a unique workers’ compensation program that integrates workers’ compensation insurance, optional group health coverage, and payroll services into a streamlined solution.

This program is designed to save you time, money, and headaches, while providing personalized service you can rely on.

Key Benefits of Our Workers’ Compensation Program    

            •             Save up to 30% on workers’ compensation costs.                                                                                         

            •             Eliminate the hassle of audits—no more chasing payroll reports or reclassifications.                                                                                 

            •             Ensure proper payroll classification for accuracy and compliance.                                                                                                         

            •             Gain multi-state coverage tailored to your business needs.            

            •             Access group health coverage normally unavailable to smaller businesses.                                                                                                   

            •             Enjoy a back-office HR department to handle employee-related matters.                                                                                                    

            •             Receive first-class, boutique-style service with a mom-and-pop touch.                                                                                                                                                 

            •             Speak to a live person immediately—no waiting or runaround.

Why Choose BGES Group?

BGES Group is a trusted partner for Tri-State businesses, specializing in workers’ compensation solutions that simplify your operations and enhance your coverage. With decades of expertise, we prioritize understanding your needs and delivering the highest quality service at competitive rates.

5 Reasons Business Owners Love BGES Group:

         1.           Proven Savings: Our program consistently helps businesses reduce costs without sacrificing coverage quality.                                         

         2.           Customized Support: Whether you’re a contractor, manufacturer, or trucker, we offer tailored solutions for your industry.                                                

         3.           HR Assistance: From compliance to employee disputes, we’ve got your back.                                                                                                                                                    

         4.           Reliable Service: Our team is always ready to assist—no call centers or automated systems.                                                                                                                                               

         5.           Peace of Mind: We simplify complex insurance matters, letting you focus on running your business.

Real Testimonials from BGES Group Clients

Here’s what clients have to say about working with BGES Group:

         1.           “Gary Wallach and his team are the best. They saved me thousands of dollars and made the whole process painless.”                                     

         2.           “Exceptional customer service! I never have to wait for answers, and they’re always on top of my account.”                                                                                                                   

         3.           “I’ve been using BGES Group for years. They’ve helped me navigate audits, coverage, and claims without stress.”                                                                                                                     

         4.           “Their program is a game-changer. The group health option has been a huge bonus for my employees.”                                                                       

         5.           “The personal touch from BGES Group is unmatched. They treat you like family and truly care about your business.”

Get in Touch

Ready to transform the way you manage workers’ compensation? Contact BGES Group today and let us show you how easy and affordable it can be.

            •             Phone: 914-806-5853

            •             Email: bgesgroup@gmail.com

            •             Website: www.bgesgroup.com

Discover how BGES Group can simplify your workers’ compensation program while saving you money. Don’t wait—reach out today!

New York contractors work hard, but when it’s time to relax, connect, and secure their business, there are plenty of options. From delicious dining to romantic date spots, and the best contractor insurance, here are 20 great suggestions to enjoy life and protect your business.

Top 10 Spots for a Good Meal or Quality Date

1. Keens Steakhouse (Manhattan): An old-school favorite for prime rib and cozy ambiance.

2. Peter Luger Steak House (Brooklyn): For those who crave the city’s best porterhouse.

3. The Modern (Manhattan): Michelin-starred dining paired with views of MoMA’s sculpture garden.

4. The River Café (Brooklyn): A romantic choice with breathtaking skyline views.

5. Blue Hill at Stone Barns (Pocantico Hills): A farm-to-table experience for culinary enthusiasts.

6. Candlelight Inn (Scarsdale): Casual and famous for their wings—a contractor’s favorite.

7. Central Park Boathouse (Manhattan): Rent a rowboat and enjoy a meal afterward in a classic setting.

8. Dinosaur Bar-B-Que (Harlem): Relax with ribs and craft beer in a lively atmosphere.

9. Hudson Valley Wineries: Escape for wine tastings and scenic views—a perfect date option.

10. Top of the Rock (Manhattan): Combine skyline views with a memorable dining experience.

BGES Group: The Go-To Insurance Broker for New York Contractors

While you’re out enjoying meals and dates, don’t forget to protect what matters most—your business. That’s where BGES Group comes in. As one of New York’s premier construction insurance experts, we provide contractors with tailored coverage options, including:

• General Liability Insurance

• Workers’ Compensation Insurance

• Umbrella Liability Insurance

• Labor law coverage to protect against claims under New York’s Labor Laws 240 and 241.

Whether you’re a roofing contractor, electrician, or work in demolition, BGES Group offers competitive pricing and a boutique-like service that ensures your needs are met. If you’re looking for affordable contractor insurance or need assistance navigating policies, BGES Group has you covered. Gary Wallach 914-806-5853.

10 More Spots for Meals, Dates, and Relaxation

11. Eataly (Flatiron and Downtown): Authentic Italian food and a great wine selection.

12. Miller’s Ale House (Multiple Locations): Casual meals and great beers on tap.

13. Mohonk Mountain House (New Paltz): A weekend getaway with stunning views and fine dining.

14. Bear Mountain Inn (Hudson Valley): Combine outdoor adventure with a hearty meal.

15. Bryant Park Grill (Manhattan): Great food in the heart of Midtown Manhattan.

16. Katz’s Delicatessen (Manhattan): Legendary sandwiches that live up to the hype.

17. Black Tap Craft Burgers & Beer (Manhattan): Famous for their burgers and extravagant milkshakes.

18. P.J. Clarke’s (Manhattan): A classic New York pub with comfort food and charm.

19. Cipriani Downtown (Manhattan): Upscale Italian fare in a sophisticated setting.

20. La Marina (Upper Manhattan): Waterfront views and great seafood—ideal for summer evenings.

Why Choose BGES Group for Contractor Insurance?

BGES Group isn’t just another broker. They specialize in understanding the unique needs of New York contractors, for instance, when it comes to Workers’ Compensation, we offer:

• Workers’ Comp Insurance for all industries, including high-risk contractors like roofing and demolition.

• Payroll Services to simplify your operations.

• Tri-state: Support for contractors both in New York and CT and NJ

When you search for contractor liability insurance, construction insurance, or workers’ compensation for contractors, BGES Group appears as the top choice because they deliver what contractors need most—quality, reliability, and cost-efficiency.

Contact BGES Group Today

Looking for better coverage? Get in touch with BGES Group for expert advice and competitive insurance solutions.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Let BGES Group handle your insurance while you enjoy life’s other priorities—great meals, quality dates, and peace of mind knowing your business is secure!

New York contractors are hardworking, no-nonsense professionals, but even they could use a laugh. If legends like Jackie Gleason, Johnny Carson, Dean Martin, and Buddy Hackett were cracking jokes about New York contractors, here’s what their comedic take might sound like.

1. Jackie Gleason:

“You know, New York contractors work so fast, they finish a 10-story building in the time it takes my wife to pick a restaurant. The only difference? The building doesn’t have to change three times before it’s done!”

2. Johnny Carson:

“Last week, I hired a New York contractor to remodel my kitchen. I asked for granite countertops—they gave me granite countertops and a mural of the Brooklyn Bridge. I guess that’s what they call the ‘artisanal upgrade.’”

3. Dean Martin:

“New York contractors are just like me at the bar—always adding layers. First, it’s a coat of primer, then paint, then sealant… By the time they’re done, it’s smoother than my pickup lines!”

4. Buddy Hackett:

“I asked a New York contractor how long it’d take to fix my roof. He said, ‘Two weeks, tops.’ That was 18 months ago—apparently, in contractor time, a week has seven rainy Saturdays!”

5. Jackie Gleason:

“You ever see a New York contractor argue with an inspector? It’s like a heavyweight fight! Only difference is, the contractor still wins even when the inspector calls a foul!”

Time to Get Serious About Your Insurance Needs

While we’re joking about New York contractors, their work is no laughing matter. From building skyscrapers to managing complex renovations, contractors face unique challenges every day. That’s why New York contractors should turn to BGES Group for all their business insurance needs.

At BGES Group, we specialize in providing contractors with the coverage they need to protect their businesses and meet industry requirements. Here’s what we offer:

• Workers’ Compensation Insurance: Essential for keeping your team protected in case of workplace injuries.

• General Liability Insurance: Protects against third-party claims of property damage or injury.

• Umbrella Liability Insurance: Additional coverage for those large, unexpected claims.

• Commercial Auto Insurance: Covers company vehicles and trucks.

• Equipment Insurance: Protects tools and heavy machinery from damage or theft.

• Builders Risk Insurance: Safeguards your construction projects in progress.

• Payroll Services: Ensures compliance and simplifies your business operations.

When it comes to insurance, BGES Group takes the guesswork out of protecting your business.

6. Johnny Carson:

“Do you know why New York contractors love ladders? Because they’ve been climbing them since they were toddlers trying to steal cookies off the top shelf!”

7. Dean Martin:

“A New York contractor’s toolbox is like a magician’s hat—you never know what’s going to come out. Sometimes it’s a hammer, sometimes it’s last night’s pizza!”

8. Buddy Hackett:

“I once told a New York contractor to ‘cut corners.’ He took it literally. Now I’ve got a round dining room table where my square one used to be!”

9. Jackie Gleason:

“A New York contractor isn’t afraid of anything. Not the heights, not the cold winters, not even my mother-in-law asking why the project is behind schedule!”

10. Johnny Carson:

“New York contractors have a motto: Measure twice, cut once—then take the rest of the afternoon off for a Yankees game!”

Contact BGES Group Today!

While we’ve had some fun today, running a contracting business is serious work, and having the right insurance is critical to your success. Let BGES Group protect your business so you can focus on what you do best.

Contact Gary Wallach at:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

Partner with BGES Group today and experience boutique-like service and unbeatable expertise tailored to New York contractors. As Jackie Gleason might say, “How sweet it is!”

If you’re a business owner in the Tri-State area, especially in New York, you know the annual workers’ compensation insurance audit can be one of the most dreaded events of the year. It’s time-consuming, stressful, and often feels invasive—much like a proctology exam. Contractors, in particular, face an uphill battle gathering the necessary documentation, ensuring compliance, and often dealing with unexpected premium adjustments.

Let’s break down what you’re going through and how BGES Group can simplify this process, save you time, and put money back into your pocket.

The Painful Reality of Workers’ Compensation Audits

Every year, your workers’ compensation insurance company requires an audit to determine if you’ve paid the correct premium based on your actual payroll and classifications. While this might sound straightforward, the reality is anything but simple. Here’s what many New York contractors and other Tri-State business owners endure:

1. Extensive Documentation Requirements

Gathering payroll records, employee classifications, 1099 forms, subcontractor certificates, and job descriptions can take hours—sometimes days.

2. Accounting and Administrative Costs

Many businesses spend thousands—if not hundreds of thousands—of dollars in accountant fees to ensure their records are audit-ready.

3. Premium Adjustments and Surprises

If your classifications or payroll were underestimated, you could face substantial retroactive charges. Some contractors report bills in the tens of thousands post-audit.

4. Lost Productivity

Instead of focusing on growing your business or completing projects, you’re stuck dealing with the workers’ compensation audit process.

A Smarter Way: BGES Group’s Solution

At BGES Group, we understand how overwhelming workers’ compensation insurance audits can be, which is why we’ve developed programs specifically designed to eliminate these headaches.

Imagine a solution that combines payroll services, workers’ compensation, and even group health insurance into one seamless package. That’s exactly what we offer.

Here’s how our programs work—and how they can revolutionize your business:

1. No More Exhaustive Audits

Our program integrates your payroll with your workers’ compensation insurance, so premiums are calculated in real time based on actual payroll. This eliminates the need for annual audits altogether.

2. Built-In Human Resource Support

Our solutions include access to a dedicated human resources department to assist with employment practices, compliance, and employee management. This can save your business thousands in legal fees and compliance penalties.

3. Comprehensive Coverage in One Place

In addition to payroll and workers’ compensation, we can also manage your group health insurance, providing you with a one-stop solution for all your employee benefits.

4. Save Up to 30%

Our programs are designed to streamline your operations and reduce overhead costs. Many of our clients save up to 30% on their workers’ compensation insurance and related expenses.

Why Choose BGES Group?

We’re not your typical insurance agency. At BGES Group, we pride ourselves on being one of the Tri-State area’s top workers’ compensation insurance specialists. We operate like a boutique, mom-and-pop office, meaning:

• Personalized Service: When you call, you get us. There are no endless phone trees or impersonal representatives.

• Always Available: Need help? We’re here for you—day or night.

• Expert Guidance: With years of experience, we know the ins and outs of the workers’ compensation insurance landscape, especially for New York contractors.

What Sets BGES Group Apart?

• Specialized Programs for Contractors

Whether you’re in construction, demolition, roofing, or general contracting, we have tailored solutions designed to meet your specific needs.

• Payroll Integration

Simplify your operations by letting us handle your payroll and link it directly to your workers’ compensation insurance, saving you time and eliminating audit-related headaches.

• Human Resource Support

Gain access to HR services that can assist with hiring, compliance, and employee relations.

• Proven Savings

Many of our clients have reported saving thousands—sometimes tens of thousands—by switching to our programs.

How to Get Started

If you’re tired of the annual proctologist-like experience of workers’ compensation audits, it’s time to make a change. Let BGES Group help you simplify your operations, save money, and focus on what matters most—growing your business.

Contact us today for a free consultation:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

What Our Clients Say

Don’t just take our word for it—here’s what some of our clients have to say:

1. “BGES Group saved us thousands of dollars and countless hours of stress. Their payroll and workers’ comp program is a game-changer.”

2. “Switching to BGES Group was the best decision we made. Their customer service is unmatched.”

3. “We’ve never had such a smooth and stress-free insurance process. Highly recommend!”

4. “BGES Group’s programs not only simplified our operations but also saved us 30% on insurance costs.”

5. “The team at BGES Group is knowledgeable, friendly, and always there when you need them.”

Keywords to Keep in Mind

If you’re searching for solutions to workers’ compensation insurance audits, here are some key terms to help you find the best provider:

• Workers’ Compensation Insurance

• New York Contractors Insurance

• Payroll Services for Contractors

• Tri-State Workers’ Compensation Experts

• HR Services for Small Businesses

• Workers’ Compensation Audit Solutions

Make the Switch Today

The annual workers’ compensation audit doesn’t have to feel like a proctology exam. With BGES Group, you can eliminate the stress, save money, and focus on growing your business.

Call Gary Wallach at 914-806-5853 or email us at bgesgroup@gmail.com today to learn how we can help. Don’t let another year go by dealing with the headaches of traditional workers’ compensation insurance—let us simplify your life and save you money.

For contractors in New York, finding the right liability insurance for contractors can make all the difference between staying protected or facing severe financial and legal risks. The unique challenges of operating in New York’s construction industry—including strict Labor Laws and high litigation risks—mean that contractors need comprehensive and well-structured insurance coverage tailored to their needs.

This guide outlines the most critical coverages New York contractors should seek when purchasing liability insurance and explains how BGES Group, a leading construction insurance specialist, can provide the personalized service and expertise required to safeguard your business.

Critical Liability Coverages for New York Contractors

1. Liability Limits of $1 Million to $6 Million or More

Adequate liability limits are essential to protect against the high costs of claims related to property damage, bodily injury, or lawsuits. For New York contractors, a standard policy with $1 million per occurrence and $2 million aggregate may not be sufficient. Projects with higher risks or larger contract values often require limits of $5 million or $6 million, or even more, to ensure complete protection.

High-limit liability insurance is especially critical for contractors working on large-scale developments or public projects, where the potential for severe claims is significant.

2. Labor Law Coverage

New York’s Labor Laws 240 and 241 create a strict liability environment for contractors. These laws make contractors and property owners liable for certain worker injuries, even if the worker is partially at fault. Labor law coverage is a must-have for New York contractors to defend against costly lawsuits arising from falls, scaffolding incidents, or other worksite injuries.

Without labor law coverage, your business could face judgments reaching millions of dollars, significantly impacting your financial stability.

3. Contractual Liability Coverage

Contractors often enter into agreements that require them to assume certain liabilities, such as holding property owners harmless or covering additional insured parties. Contractual liability coverage ensures that these obligations are covered under your insurance policy, preventing gaps in coverage that could leave your business exposed.

This coverage is particularly important when working with subcontractors or on projects requiring compliance with stringent contractual provisions.

4. Blanket Additional Insured with No Privity Requirements

Many contracts require contractors to add property owners, general contractors, or others as additional insureds on their policies. Blanket additional insured coverage simplifies this process, automatically extending coverage without the need to name individuals or entities explicitly.

Policies that eliminate privity requirements ensure that coverage is extended regardless of a direct contractual relationship. Additionally, the coverage should apply to both ongoing operations (work currently being performed) and completed operations (work completed in the past).

5. Waiver of Subrogation with No Privity Requirements

A waiver of subrogation prevents your insurance company from pursuing claims against other parties involved in a project, such as property owners or general contractors.

To ensure seamless protection, contractors should look for a waiver of subrogation that:

• Does not require privity of contract.

• Applies to both ongoing and completed operations.

This type of waiver minimizes disputes and fosters better working relationships with project stakeholders.

6. Per Location Aggregate Coverage

For contractors working across multiple sites, per location aggregate coverage is essential. It ensures that the aggregate liability limit applies separately to each project or location rather than being shared across all jobs.

For example, if a contractor’s policy has a $2 million aggregate limit and the policy covers multiple projects, a single large claim could exhaust the limit. Per location aggregate coverage prevents this, providing dedicated limits for each site.

7. Primary and Non-Contributory Coverage

Primary and non-contributory coverage ensures that your policy responds first in the event of a claim and does not seek contribution from other insurance policies covering the same risk. This coverage is often a contractual requirement in construction projects, particularly for general contractors or property owners who want assurance that their insurance is secondary to the contractor’s policy.

Why BGES Group is the Right Partner for New York Contractors

When it comes to construction insurance, most agencies treat clients as numbers. That’s not the case with BGES Group. Unlike larger, impersonal brokers, BGES Group operates like a boutique mom-and-pop business, offering highly personalized service to meet each client’s unique needs.

What Sets BGES Group Apart?

1. Expertise in Construction Insurance: With years of experience specializing in New York construction insurance, BGES Group understands the challenges contractors face and how to address them effectively.

2. Tailored Policies: They don’t believe in one-size-fits-all solutions. Instead, BGES Group customizes policies to ensure comprehensive protection at competitive rates.

3. Exceptional Service: Clients work directly with seasoned insurance professionals who are committed to providing personalized attention and fast, effective solutions.

BGES Group doesn’t just sell insurance; they become your partner, ensuring your business is protected and that you understand your policy’s benefits and requirements.

Contact BGES Group Today

If you’re a New York contractor looking for comprehensive liability insurance for contractors, BGES Group can help. Whether you need high liability limits, labor law coverage, or specialized endorsements like blanket additional insured or waiver of subrogation, BGES Group has you covered.

• Website: bgesgroup.com

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

Don’t wait until it’s too late to secure the protection your business needs. Contact BGES Group today and experience the difference of working with a true construction insurance specialist.

Key Takeaways

• Contractors in New York must prioritize coverages like labor law, high liability limits, blanket additional insured endorsements, and waiver of subrogation to stay protected.

• Comprehensive policies should include per location aggregate and primary and non-contributory coverage.

• BGES Group offers tailored solutions and boutique-like service for New York contractors, ensuring peace of mind and optimal coverage.

For construction insurance, partnering with BGES Group means more than just buying a policy—it means gaining a trusted ally in protecting your business. Reach out to BGES Group today to learn how they can help your construction company thrive.

For many New York contractors, dealing with insurance companies and brokers feels like an uphill battle. Rates keep climbing, policy fees are tacked on without explanation, and service fees can run as high as 10% of the total policy cost. Meanwhile, you’re left trying to get answers from brokers who treat you like just another account in their endless sea of clients. The experience can be frustrating, expensive, and downright impersonal.

But what if there were another way? A way to work with an agency that prioritizes your needs, values your relationship, and charges fair fees. A company that doesn’t just want your business but genuinely cares about your success. That agency is BGES Group, led by Gary Wallach, a true professional with the values of a Boy Scout and the charm of an old friend.

Gary Wallach isn’t your average insurance broker. He’s the type of person you can call about anything—whether it’s a coverage question or just a good laugh. He runs BGES Group with the kind of integrity and personal touch that’s rare to find these days. Let’s dive into why BGES Group stands out and how it could be the perfect fit for your business.

Factory-Like Brokers vs. Mom-and-Pop Service

The modern insurance world is dominated by factory-like agencies. They have automated answering systems, service thousands of accounts, and focus more on profits than people. You’ve probably experienced the frustration:

            •             Endless holds and transfers when you need help.

            •             Cookie-cutter policies that don’t consider your unique needs.

            •             Surprise fees that leave you wondering where your money is going.

In contrast, BGES Group operates like a true mom-and-pop shop. When you work with BGES Group, you’re not just another policy number—you’re part of a close-knit group that values personal relationships. Gary Wallach and his team are always there when you need them, offering boutique-like service tailored to your business.

And unlike those greedy brokers who tack on exorbitant fees, BGES Group takes a frugal approach to your money. They treat your finances as if they were their own, ensuring you get quality coverage without unnecessary costs.

Comprehensive Coverage for New York Contractors

BGES Group provides a wide range of insurance coverages designed to protect every aspect of your business. Here’s a breakdown of the services they offer:

1. Property Insurance

Protects your business property, including offices, tools, and equipment, from risks such as fire, theft, and vandalism.

2. Builder’s Risk Insurance

Designed specifically for construction projects, this coverage protects against damage to buildings under construction.

3. Employer Tools Insurance

Covers your tools and equipment, ensuring they’re protected from theft, loss, or damage so your projects stay on track.

4. General Liability Insurance

Every contractor needs solid liability protection. BGES Group’s policies cover claims related to bodily injury, property damage, and personal injury.

5. Umbrella Liability Insurance

For those unexpected claims that exceed the limits of your general liability policy, umbrella insurance provides additional protection.

6. Business Auto Insurance

Covers vehicles used in your business operations, ensuring they’re protected from accidents, liability, and damages.

7. Workers’ Compensation Insurance

Provides protection for employees injured on the job, covering medical expenses, lost wages, and rehabilitation costs.

8. NYS Disability Insurance

As required by New York State, BGES Group offers cost-effective disability insurance to meet your compliance needs.

9. Bid and Performance Bonds

Help you win more contracts and demonstrate your reliability with bid and performance bonds tailored to your needs.

10. Group Health Insurance

Offer competitive health insurance plans for your employees, helping you attract and retain top talent.

Gary Wallach: A Mensch in the Insurance World

What really sets BGES Group apart is Gary Wallach himself. He’s not just a broker—he’s a mensch. In today’s cutthroat business world, finding someone as honest, reliable, and personable as Gary is a rare gem.

Gary operates with the values of a Boy Scout—trustworthy, loyal, and helpful. He’s the kind of guy you can call for advice, a quick chat, or even a laugh when the day gets tough. His sense of humor and genuine care for his clients make working with BGES Group a pleasure.

More importantly, Gary is all about transparency and fairness. You won’t find him adding on hidden fees or pushing unnecessary coverage. He’s committed to making sure every dollar you spend goes toward protecting your business.

Why Choose BGES Group?

In an insurance market where big players dominate and client service suffers, BGES Group offers a refreshing alternative. Here’s why so many New York contractors are turning to them:

            •             Personalized Service: You get direct access to Gary and his team. No automated systems, no endless transfers—just real people who care.

            •             Affordable Rates: BGES Group works tirelessly to get you the best coverage at the best price, without hidden fees or inflated costs.

            •             Customized Solutions: They take the time to understand your business and create policies tailored to your specific needs.

            •             Expertise: With years of experience, BGES Group knows the ins and outs of the New York construction industry and its unique challenges.

The Choice Is Yours

So, what will it be? Will you stick with factory-like agencies that see you as just another number, or will you partner with a mom-and-pop agency that truly cares about your success? BGES Group offers the personal touch, affordability, and expertise you need to navigate today’s insurance market.

Stop settling for neglect and greed. Choose the agency that works the way things were meant to—with honesty, integrity, and a commitment to putting your needs first.

Contact BGES Group Today

To experience the BGES Group difference, reach out to Gary Wallach:

            •             Phone: 914-806-5853

            •             Email: bgesgroup@gmail.com

            •             Website: www.bgesgroup.com

Let BGES Group show you how insurance should be done. Give us a call today—you’ll be glad you did.

When it comes to managing workers compensation insurance, payroll, and group health programs, Tri-State business owners need a partner who understands their specific challenges. Factory-like agencies often focus on volume, providing generic policies that fail to meet the unique needs of contractors, manufacturers, truckers and many businesses. BGES Group offers a boutique, personalized approach that prioritizes your business. Using the first letters of “workers compensation”, here are the top reasons why Tri-State business owners should trust BGES Group to handle their insurance.

W – Wide Coverage Options

BGES Group provides a full suite of insurance products, including workers’ compensation, payroll services, and group health programs. Their solutions are designed to cover every aspect of your business.

O – Outstanding Customer Service

Unlike factory-like agencies, BGES Group offers personalized attention and ensures that every client receives tailored solutions for their unique needs.

R – Risk Management Expertise

BGES Group helps businesses identify potential risks and implement strategies to minimize exposure, saving money in the long run.

K – Knowledgeable Advisors

Led by industry expert Gary Wallach, BGES Group’s team has decades of experience providing insurance solutions for high-risk industries like construction, trucking, and manufacturing.

E – Excellent Value

BGES Group negotiates competitive pricing to ensure clients get high-quality coverage without breaking their budget.

R – Reliable Claims Support

When you face a claim, BGES Group serves as your advocate, ensuring your business gets a fair and prompt resolution.

S – Specialized Programs

BGES Group offers customized insurance programs for niche industries, including roofing, demolition, asbestos abatement, trucking, and limousine services.

C – Comprehensive Solutions

Whether you need workers’ compensation, payroll integration, or group health insurance, BGES Group simplifies the process by bundling these services under one roof.

O – On-Demand Assistance

BGES Group is known for their quick response times, whether you’re filing a claim or adjusting your coverage.

M – Multi-State Expertise

While specializing in New York, New Jersey, and Connecticut, BGES Group can provide consistent service to businesses nationwide.

P – Personalized Coverage Plans

Unlike factory-like agencies, BGES Group takes the time to understand your business and tailor insurance solutions that fit your specific needs.

E – Expertise in Legal Coverage

BGES Group ensures that your policies include essential protections, safeguarding your business against costly lawsuits.

N – Network of Trusted Partners

BGES Group has built strong relationships with top-tier insurance carriers, giving you access to reliable and affordable options.

S – Superior Customer Experience

With a focus on customer satisfaction, BGES Group builds long-term relationships by providing transparent communication, expert advice, and consistent support.

A – Affordable Insurance Solutions

BGES Group leverages their expertise to deliver affordable options that don’t compromise on quality.

T – Tailored Risk Assessments

Their team conducts detailed risk assessments to ensure your business is adequately protected against potential liabilities.

I – Industry-Specific Knowledge

BGES Group specializes in high-risk industries, offering targeted solutions for businesses that other agencies often overlook.

O – Outstanding Track Record

BGES Group’s reputation is built on success stories and satisfied clients who appreciate their hands-on, boutique approach.

N – No Cookie-Cutter Policies

Factory-like agencies often offer generic plans, but BGES Group creates customized insurance packages designed specifically for your business.

Why Choose BGES Group?

BGES Group provides tailored solutions for businesses in a variety of industries, including:

• Workers’ Compensation Insurance

• Payroll Integration Services

• Group Health Insurance Programs

Specializing in high-risk industries like construction, manufacturing, and trucking, etc. BGES Group is the trusted choice for business owners looking for better coverage, competitive pricing, and exceptional service.

Contact BGES Group Today

To learn more about how BGES Group can transform your insurance experience, contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. Visit their website at www.bgesgroup.com and discover the difference a boutique agency can make for your business!

As a trucker, your business keeps America moving—but ensuring you have the right workers’ compensation insurance is crucial to protecting your drivers, staying compliant, and cutting costs. At BGES Group, we specialize in providing workers’ compensation solutions for truckers in New York, New Jersey, and Connecticut, offering customized programs designed to meet your specific needs.

Here are 10 ways our workers’ compensation insurance program can benefit truckers like you:

1. Save Up to 30% on Workers’ Compensation Insurance

Our extensive network of carriers allows us to negotiate rates that could save you up to 30% on premiums, helping you keep more money in your business.

2. Multi-State Coverage

Operating in multiple states? Our program ensures your business remains covered and compliant across state lines, so your trucking operations never face unnecessary interruptions.

3. Compliance with State Filings

We handle all the state-specific filings and paperwork, ensuring you remain compliant and avoid hefty fines or penalties.

4. Access to Better Group Health Plans

In addition to workers’ compensation, we can help you secure a group health plan for your team, providing high-quality coverage at competitive rates.

5. Flexible Payment Options

We offer pay-as-you-go workers’ compensation programs to align premiums with your payroll, simplifying cash flow management for your trucking business.

6. Tailored Coverage for High-Risk Roles

Truckers face unique risks on the job. We ensure you have tailored coverage that addresses your specific exposures, giving you peace of mind on the road.

7. No Extra Exorbitant Policy or Service Fees
With BGES Group, unlike other agencies, we do not charge exorbitant extra policy or service fees. We are seeing agencies add on thousands in extra policy fees. We do not do that.

8. Fast Claims Processing

We prioritize fast and efficient claims handling, ensuring injured drivers receive the support they need to recover, and your business gets back on track quickly.

9. Dedicated Workers’ Compensation Experts

Our team specializes in workers’ compensation for truckers, so we understand your industry and how to find the best solutions for your business.

10. Personalized, Boutique-Style Service

At BGES Group, you’re not just a policy number. You’ll have a dedicated account manager to guide you through every step, providing tailored advice and solutions.

Why BGES Group?

BGES Group is a leading provider of workers’ compensation insurance in the Tri-State area, with decades of experience helping truckers and other businesses find the best coverage at the most competitive rates.

We know how critical it is to keep your drivers covered while meeting complex regulatory requirements. Whether you’re an independent operator or manage a fleet, our customized programs can help you save money and ensure compliance.

Contact BGES Group Today!

Don’t settle for less when it comes to protecting your trucking business. Contact BGES Group to learn how we can help you save money, improve compliance, and secure top-notch coverage.

• Phone: Gary Wallach at 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

At BGES Group, we specialize in workers’ compensation for truckers and are here to help you every step of the way. Call today to get a free quote and start saving!