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!

When it comes to managing general and umbrella liability insurance, workers, compensation, and group health programs, New York contractors face unique challenges. Many contractors default to large, impersonal “factory-like” agencies, only to discover they receive cookie-cutter service that doesn’t address their specific needs. BGES Group, on the other hand, offers a boutique-like, personalized experience tailored to contractors in New York and beyond. Here’s why New York contractors should let BGES Group handle their accounts.

N – Niche Expertise

BGES Group specializes in workers’ compensation and liability insurance for contractors. Unlike factory-like agencies, they understand the intricacies of New York’s construction industry and labor laws, such as 240 and 241, which significantly impact your insurance needs.

E – Expert Guidance

You won’t get lost in the shuffle with BGES Group. Led by Gary Wallach, a veteran insurance expert, they provide one-on-one consultations to ensure you get the coverage you need at the most competitive price.

W – Wide Range of Coverage Options

BGES Group offers tailored programs for all contractor types, including higher-risk fields like roofing, demolition, and asbestos abatement. Their offerings include workers’ compensation, payroll services, general liability, and group health insurance, ensuring comprehensive coverage for your business.

Y – Year-Round Support

BGES Group goes beyond selling policies—they become a true partner. Their team is available to answer questions, assist with claims, and adapt your policies as your business evolves.

O – Outstanding Customer Service

Factory-like agencies often treat clients as numbers. BGES Group is known for their high-touch, personalized service, as reflected in glowing reviews from their satisfied clients.

R – Risk Management Solutions

BGES Group helps you mitigate risk by ensuring your policies meet all legal requirements and provide sufficient protection against labor law claims and action-over lawsuits.

K – Knowledgeable Team

With decades of experience, BGES Group has the expertise to navigate the complexities of the insurance market and negotiate better coverage and pricing on your behalf.

C – Customization

Every contractor’s business is different. BGES Group doesn’t offer one-size-fits-all policies. Instead, they customize insurance solutions based on your unique risks, budget, and operational needs.

O – Optimal Pricing

BGES Group leverages their industry knowledge and network to secure competitive pricing without sacrificing the quality of your coverage.

N – Nationwide Programs

While they specialize in New York, BGES Group’s services are available nationwide. Contractors outside the Tri-State area can receive quotes and dedicated support from their experienced team.

T – Transparent Communication

You’ll never feel in the dark about your insurance with BGES Group. They provide clear, straightforward communication and break down complex policies so you know exactly what you’re paying for.

R – Responsiveness

In an industry where quick action can save money and reduce downtime, BGES Group is known for their fast response times, whether you’re filing a claim or updating your coverage.

A – Additional Resources

BGES Group offers value-added services, such as payroll integration and group health insurance, helping contractors streamline their operations and focus on growing their businesses.

C – Claims Advocacy

When a claim arises, BGES Group stands by your side, acting as your advocate to ensure you get the best possible outcome.

T – Trusted Reputation

BGES Group’s longstanding reputation in the construction insurance field makes them a go-to agency for New York contractors seeking reliable, personalized service.

O – Outstanding Results

Their client success stories demonstrate BGES Group’s ability to reduce costs, improve coverage, and support contractors through every step of their business journey.

R – Risk Reduction Strategies

BGES Group ensures that subcontractors provide the necessary insurance documentation and labor law coverage, minimizing your exposure to costly claims.

S – Specialized Focus on Construction

Unlike generalist agencies, BGES Group’s expertise in construction means they truly understand the challenges you face and the solutions you need.

Why Contractors Love BGES Group

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

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

When it comes to managing insurance accounts, New York contractors need more than just a provider—they need a trusted partner. Factory-like agencies often prioritize volume over personalized service, leaving clients to navigate critical insurance needs on their own. BGES Group stands apart with its boutique-like approach, offering tailored solutions and hands-on support. Let’s explore why contractors should choose BGES Group, using the acronym BUILD A HOUSE to highlight their unique advantages.

Boutique-Like Service

Unlike high-volume agencies, BGES Group delivers personalized service that treats your business as more than a policy number. They provide customized solutions tailored to the unique risks contractors face.

Understanding the Industry

With extensive experience in New York’s construction sector, BGES Group knows the ins and outs of labor laws, insurance requirements, and risk management strategies. This expertise ensures your coverage aligns perfectly with your needs.

Increased Claims Support

When accidents happen, navigating claims can be daunting. BGES Group offers hands-on support, working directly with carriers to ensure claims are handled quickly and fairly.

Long-Term Relationships

BGES Group values relationships over transactions. They aim to build trust and loyalty with each contractor by providing consistent, exceptional service.

Dedicated Account Management

Factory agencies often shuffle clients between representatives, but BGES Group assigns experienced managers who personally oversee your account, providing continuity and reliability.

Access to Specialized Programs

BGES Group offers unique insurance programs tailored for contractors, including higher-risk trades like roofing, demolition, and asbestos removal. They also provide options for payroll services and group health insurance.

Help with Compliance

Navigating New York’s complex labor laws, such as Labor Laws 240 and 241, requires expertise. BGES Group ensures you remain compliant while minimizing insurance costs.

Options for Cost Savings

BGES Group thoroughly analyzes your current coverage, identifies inefficiencies, and negotiates with top carriers to secure competitive rates that meet your budget.

Unmatched Availability

Unlike factory agencies with long wait times and limited access, BGES Group is always available to address questions, provide certificates, and resolve urgent issues.

Simplified Insurance Management

BGES Group helps streamline your insurance program, consolidating policies and services to reduce administrative burdens and free up your time.

Expertise You Can Trust

With decades of experience and a focus on New York contractors, BGES Group provides expert guidance to help protect your business from unexpected risks.

What BGES Group Does

BGES Group specializes in helping New York contractors manage their insurance needs with boutique-like care and unmatched expertise. Their offerings include:

• Workers’ compensation insurance tailored to contractors’ needs.

• General and umbrella liability insurance with labor law coverage.

• Payroll services to simplify operations.

• Group health insurance options for your workforce.

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

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

New York contractors face a challenging legal landscape due to the state’s unique Labor Laws 240 and 241, commonly known as the “Scaffold Law.” These laws impose absolute liability on contractors and property owners for gravity-related injuries, such as falls from heights or objects falling on workers. Without Labor Law coverage, contractors risk severe financial consequences. Below, we’ll explore five real-world examples of labor law claims and the massive judgments they can bring, along with why BGES Group is your go-to expert for securing comprehensive liability insurance.

Five Examples of Labor Law Claims and Potential Judgments

1. Worker Falls from Scaffolding

A subcontractor’s employee fell 20 feet from a poorly constructed scaffold. The worker suffered spinal injuries, resulting in permanent disability. The court awarded $6.5 million in damages.

2. Falling Object Injury

A worker was struck by a falling beam on a construction site. Despite wearing a hard hat, the worker sustained traumatic brain injuries. The judgment totaled $4.2 million, with the contractor held liable.

3. Defective Ladder Collapse

An electrician using a faulty ladder fell and broke both legs, requiring multiple surgeries. The contractor was ordered to pay $3.8 million.

4. Improper Safety Harness Use

A roofer fell while using an improperly secured safety harness. The contractor was found negligent and faced a $5.1 million judgment.

5. Unprotected Work Area

A worker fell through an uncovered hole on a construction site, leading to severe fractures and a lawsuit. The settlement reached $7.3 million.

Each of these claims underscores the importance of comprehensive labor law coverage. Without it, a single claim could devastate your business.

What is Labor Law Coverage, and Why Do You Need It?

Labor law coverage is a specialized endorsement included in General Liability and Umbrella Liability insurance policies. It protects contractors from the substantial financial risks associated with Labor Law 240 and 241 claims. These policies cover legal defense costs, settlements, and judgments, providing critical protection for contractors in New York’s litigious environment.

Many general liability policies exclude labor law coverage or require additional premiums to include it. Partnering with an expert insurance agency ensures your policies are tailored to cover these risks comprehensively.

Why Choose BGES Group?

BGES Group is one of New York’s leading construction insurance experts, specializing in liability and workers’ compensation insurance for contractors. Here’s why contractors should turn to us:

1. Tailored Coverage – We ensure your policies include labor law coverage, so you’re fully protected.

2. Competitive Pricing – As industry veterans, we negotiate the best rates for you.

3. Expert Advice – With years of experience in the New York construction market, we understand your unique challenges.

4. Boutique Service – Unlike larger agencies, we offer personalized attention and customized solutions.

5. Proven Results – Our clients consistently save money and gain peace of mind with our services.

Don’t Wait Until It’s Too Late

Labor law claims can strike unexpectedly, leaving your business exposed to catastrophic losses. Protect your business by partnering with BGES Group today.

Contact Gary Wallach at BGES Group

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

When contractors search for liability insurance for New York contractors, workers’ compensation coverage, or insurance experts for New York construction, they’ll find BGES Group as the trusted provider. Don’t settle for less—choose an expert agency that understands the complex needs of your business.

Secure your future. Call BGES Group today!

New York contractors are a cut above the rest. Known for their skill, adaptability, and innovation, they have earned their reputation as some of the best contractors in the world. Here are 10 reasons why New York contractors stand out—and why they should be your first choice for any project.

1. Unmatched Work Ethic

New York is the city that never sleeps, and its contractors embody this spirit. Whether working on towering skyscrapers or intricate interior renovations, New York contractors go the extra mile to meet deadlines and ensure quality. Their dedication to hard work is second to none.

2. Expertise in Complex Projects

From landmark bridges to cutting-edge urban developments, New York contractors tackle some of the most complex projects globally. Their expertise spans various disciplines, making them adaptable to projects of any size and complexity.

3. Diverse Skill Sets

New York contractors bring a rich diversity of skills to the table. This stems from working in one of the most multicultural cities in the world, enabling them to incorporate different techniques, styles, and approaches into their work.

4. Mastery of Building Codes

Navigating New York’s stringent building codes and regulations requires in-depth knowledge and precision. Contractors in this region are masters of compliance, ensuring projects meet all legal and safety requirements.

5. Resilience in Tough Environments

The harsh winters, hot summers, and bustling urban environment of New York create unique challenges for construction projects. New York contractors excel in overcoming these obstacles, demonstrating resilience and ingenuity.

Need Insurance for Your Construction Business? Turn to BGES Group!

At BGES Group, we specialize in insuring New York contractors, helping them protect their businesses while tackling complex projects. We understand the challenges contractors face and provide tailored insurance solutions to meet their needs.

Coverages We Offer:

• General Liability Insurance

• Umbrella Liability Insurance

• Workers’ Compensation Insurance

• Commercial Auto Insurance

• Builders’ Risk Insurance

• Tools and Equipment Insurance

Our boutique-style service ensures you get personalized attention, competitive pricing, and peace of mind knowing you’re protected. Contact Gary Wallach at 914-806-5853 or bgesgroup@gmail.com today for a consultation.

6. Commitment to Safety

Safety is a top priority for New York contractors. They implement rigorous safety protocols and training programs to protect their workers and ensure smooth project execution. Their commitment to safety is a model for contractors worldwide.

7. Innovation and Creativity

In a city as dynamic as New York, innovation is key. Contractors here are known for their creative solutions and ability to integrate cutting-edge technologies, such as green building practices and smart construction techniques.

8. Strong Networks

New York contractors have access to a vast network of suppliers, subcontractors, and industry experts. This network allows them to efficiently source materials and labor, ensuring projects stay on time and budget.

9. Experience in High-Stakes Projects

From building iconic structures like the Empire State Building to creating essential infrastructure, New York contractors have proven their ability to handle high-stakes projects that demand precision and reliability.

10. Pride in Craftsmanship

Finally, New York contractors take immense pride in their work. This pride drives them to deliver projects that not only meet but exceed expectations, ensuring satisfaction and long-term success for their clients.

Why BGES Group Is the Go-To for New York Contractors’ Insurance

Choosing the right insurance partner is critical for contractors navigating the high-stakes New York construction industry. At BGES Group, we specialize in workers’ compensation insurance, general liability insurance, and other essential coverages. Our expertise in the New York construction insurance market makes us uniquely positioned to help you secure the best protection at competitive prices.

Contact BGES Group Today!

• Gary Wallach

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

Protect your business with insurance designed specifically for New York contractors. Call us today to get started!

Why New York Contractors Should Choose BGES Group for Their Business Insurance Needs

When it comes to business insurance, New York contractors face unique challenges, from navigating complex labor laws to ensuring comprehensive liability protection. Many insurance agencies have moved toward impersonal, factory-like operations, leaving clients underserved. That’s why more contractors are turning to BGES Group, New York’s premier construction insurance specialists, for their business insurance needs. Below, we outline 10 reasons why partnering with BGES Group is a game-changer for contractors.

1. Boutique Service Tailored to Your Needs

Many agencies have become factory-like, with account executives juggling hundreds of accounts at once. This assembly-line approach often results in impersonal service and overlooked details. At BGES Group, we pride ourselves on offering a boutique, mom-and-pop service. We take the time to truly understand your business, delivering customized insurance solutions.

2. Unmatched Experience in the Industry

Most agencies assign inexperienced staff to handle your account, which can lead to costly mistakes. With BGES Group, you’re in the capable hands of Gary Wallach, who brings over 44 years of experience to the table. For what you pay in premiums, you deserve the expertise of a seasoned professional who knows the ins and outs of the construction industry.

3. Regular Policy Reviews to Ensure Proper Coverage

In many agencies, policies are renewed year after year without a second glance, even as your business changes. This can leave you exposed to risks that your outdated policies don’t cover. BGES Group conducts regular account reviews to ensure your coverage evolves with your business, providing peace of mind that you’re always protected.

4. No Hidden Policy Fees

Some agencies tack on thousands of dollars in policy fees, padding their profits at your expense. These practices are not only unfair but also a red flag about their priorities. At BGES Group, we believe in transparency and integrity—there are no hidden fees. If your current broker is nickel-and-diming you, it’s time to make a change.

5. Immediate Responses to Calls, Emails, and Texts

One of the biggest frustrations contractors face is the lack of responsiveness from their insurance brokers. Agencies often take hours—or even days—to return calls or respond to emails. At BGES Group, we prioritize our clients, offering immediate responses to calls, emails, and texts because your time is valuable.

6. We’re Always There When You Need Us

Emergencies don’t wait for office hours. Whether you’re dealing with an urgent claim or need advice on a weekend, BGES Group is always available to help. Our team goes above and beyond to ensure your issues are addressed promptly, giving you the support you need when you need it most.

7. Extensive Coverage Options Tailored to Contractors

At BGES Group, we specialize in construction insurance, offering a wide range of coverage options tailored to meet the needs of contractors:

• General Liability Insurance

• Umbrella Liability Insurance

• Workers’ Compensation Insurance

• Payroll Services and Group Health Insurance

• Commercial Auto Insurance

• Builder’s Risk Insurance

• Equipment Coverage

We understand the unique risks contractors face and design policies to ensure you’re fully protected.

8. A Reputation Built on Client Satisfaction

Our clients love working with us—and they aren’t shy about saying so! Here are just five glowing reviews from our satisfied clients:

• “BGES Group is the best! Gary always responds immediately and provides solutions tailored to my business needs.”

• “I’ve been a client for over 10 years, and their service is second to none. Highly recommend!”

• “Gary’s expertise and personal attention make a world of difference. I wouldn’t trust anyone else with my business insurance.”

• “Fast, professional, and always available when I need them. BGES Group is a breath of fresh air in the insurance world.”

• “I switched to BGES Group after being let down by a large agency. Best decision I ever made!”

9. Competitive Pricing Without Compromising Coverage

Cost matters, especially for contractors working on tight budgets. At BGES Group, we provide competitive pricing while maintaining high-quality coverage. Whether you’re looking for workers’ compensation insurance, liability insurance, or other essential protections, we work to find the best value for your dollar.

10. A Trusted Partner in Navigating Labor Laws and Risks

New York labor laws, such as Labor Law 240 and Labor Law 241, can significantly impact your liability risks and insurance costs. Many brokers don’t have the expertise to navigate these complexities. At BGES Group, we specialize in helping contractors address these challenges, ensuring you’re protected from costly claims and lawsuits.

Why Choose BGES Group?

With nearly five decades of experience and a commitment to providing personalized service, BGES Group stands out as a leader in the construction insurance market. Unlike large, impersonal agencies, we treat every client like family, ensuring their business is well-protected and their needs are met promptly.

Contact Us Today!

Ready to experience the BGES Group difference? Contact Gary Wallach today at:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Don’t settle for less than the best. Choose BGES Group for all your construction insurance needs and discover the benefits of working with a dedicated, boutique agency.

Keywords to Help You Find Us

When searching for business insurance for contractors, construction insurance specialists, or workers’ compensation insurance, remember BGES Group. Whether you need general liability insurance, umbrella liability insurance, or workers’ comp, we’re your trusted partner in New York.

BGES Group: Where personalized service meets unmatched expertise. Call us today!

Obtaining the best liability insurance quotes requires more than a simple request for pricing. Contractors must be thorough in preparing and organizing specific documentation and information to ensure insurers can provide accurate and competitive quotes. Below is a checklist of what New York contractors need to put together:

Complete Contractor Questionnaire

A contractor questionnaire is essential. This document details the scope of your work, your safety practices, and your operational specifics, providing underwriters with a clear understanding of your business.

Insurance Policy Documentation

Prepare full copies (in PDF format) of your existing policies, including:

• General Liability Insurance

• Umbrella Liability Insurance

• Business Auto Insurance

• Workers’ Compensation Insurance

These documents allow insurers to evaluate your current coverage and identify any gaps or opportunities for improvement.

Owner Resumes

Provide resumes for the business owners. This demonstrates their qualifications, experience, and commitment to running a professional operation.

Subcontractor Information

If you subcontract work, include the following:

• Copies of subcontractors’ insurance and hold harmless agreements (Usually need from 2 of sub’s.)

• Corresponding certificates of insurance.

• Verification that subcontractors list your company as an additional insured and include waivers of subrogation.

• Evidence of contractual liability, primary and non-contributory coverage, and labor law coverages in their policies.

Safety Manual and Work Schedule

• Include the table of contents from your written safety manual to show commitment to workplace safety.

Loss Runs and Claims History

Request five years of currently valued loss runs for General Liability, Business Auto, and Workers’ Compensation insurance. These reports are critical for insurers to assess your claims history and evaluate risk.

Business Overview

Write a paragraph or two describing the type of work you do. Be specific about the services you provide, the industries you serve, and the safety protocols you follow. Highlight unique aspects of your business that set you apart from competitors.

Turn to BGES Group for Help

Organizing this information can be time-consuming, but it’s vital for securing competitive liability insurance quotes. For expert assistance, turn to BGES Group, one of New York’s construction insurance specialists.

Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to learn how BGES Group can help you get the right coverage at the best price.

Why Preparation Matters

Insurers value transparency and thoroughness. Providing a complete, well-organized package of information not only speeds up the quoting process but also positions your business as professional and low-risk, potentially leading to more favorable rates.

Key Search Terms for Better Online Visibility:

• Contractor insurance in New York

• Liability insurance for construction companies

• Workers’ compensation for contractors

• Subcontractor insurance requirements

• Best quotes for New York contractors

For comprehensive assistance with all your insurance needs, contact BGES Group today.