Running a contracting business in New York isn’t for the faint of heart. Between Labor Law 240/241 (Scaffold Law), strict jobsite safety requirements, and sky-high liability exposures, contractors’ insurance costs in New York can feel like another tax. General liability, workers’ compensation, umbrella, commercial auto—it all adds up.

But here’s the good news: you’re not stuck paying through the nose. There are street-smart strategies New York contractors can use to cut business insurance costs—without sacrificing the coverage you need to protect your business, your employees, and your bottom line.

Below are 10 proven tactics contractors across New York are using right now. Use them, and you’ll be in much better shape when renewal time comes around.

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1. Shop Your Renewal Early—Don’t Wait Until the Last Minute

Most contractors wait until a week or two before renewal to call their broker. Big mistake. The best carriers need time to underwrite, and rushing it means you’ll either get stuck with high-priced quotes or forced into a renewal you can’t afford.

Street-smart move: Start shopping 90 days before renewal. That way your broker has time to approach multiple markets, negotiate terms, and clean up any red flags in your submission.

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2. Fix Your Payroll and Subcontractor Records

Carriers rate policies on payroll, class codes, and subcontractor exposure. If your numbers are sloppy, you’re probably paying more than you should. Many contractors over-report payroll or fail to track uninsured subcontractors, and the audit hits them like a hammer.

Street-smart move: Keep tight monthly payroll reports, track certificates of insurance from every sub, and match class codes correctly. No more guessing.

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3. Focus on Workers’ Compensation Safety Programs

New York workers’ comp is brutal. But here’s the thing: carriers look for safety initiatives like fall-protection training, drug testing, return-to-work programs, and regular toolbox talks. Show them you’re serious about safety and you can qualify for credits or better-rated carriers.

Street-smart move: Document everything. Create a safety manual, hold weekly safety meetings, and keep sign-in sheets. Carriers love paper trails.

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4. Know Your Subcontractor Risk—Don’t Take It On Yourself

If you hire uninsured or underinsured subcontractors, you’re basically paying their insurance bill through your own policy. In New York, this can wreck your general liability costs because carriers treat subs like they’re your employees if you don’t have proper agreements in place.

Street-smart move: Always collect certificates of insurance, require additional insured status on a primary and non-contributory basis, and use contracts that transfer risk downstream.

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5. Clean Up Your Loss Runs

When an underwriter sees open claims or messy loss runs, they pad your premium. Many contractors don’t realize they can negotiate reserves or even close claims faster.

Street-smart move: Get quarterly loss run reports, challenge reserves that are too high, and push adjusters to close claims. A clean loss history is gold when shopping your insurance.

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6. Bundle Policies and Negotiate Package Credits

Carriers like writing multiple lines of business for the same contractor—general liability, auto, umbrella, and inland marine. When you bundle, you can negotiate package credits that knock real money off the bottom line.

Street-smart move: Don’t spread your policies across five different brokers. Consolidate with one broker who can leverage the full account.

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7. Watch Out for Killer Exclusions

Cheap policies are loaded with exclusions that leave you exposed. Height restrictions, action-over exclusions, residential exclusions, and subcontractor exclusions are common in New York. They might save you a few dollars today but cost you hundreds of thousands tomorrow.

Street-smart move: Review exclusions with an expert who understands New York contractor risks. Saving money the right way means cutting fat, not protection.

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8. Keep Your Fleet Clean and Drivers in Line

Commercial auto rates are climbing fast in New York. Tickets, accidents, and bad drivers are the main culprits. If you don’t manage your fleet, carriers will keep jacking up your premiums.

Street-smart move: Run motor vehicle reports before hiring drivers, enforce a strict no-cell-phone policy, and install telematics if possible. Fewer accidents = lower insurance.

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9. Improve Your Credit and Financial Presentation

Underwriters don’t just look at your safety—they look at your financials. Contractors with strong credit, organized books, and clear financial statements are seen as lower risk and get better pricing.

Street-smart move: Clean up your books, work with a CPA, and present yourself like the professional contractor you are. Insurance companies reward stability.

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10. Work With a Specialist Broker—Not a Generalist

This is the biggest money-saver of them all. Too many New York contractors rely on generalist insurance agents who don’t know the ins and outs of the New York construction market. That’s like hiring a handyman to do high-rise steel.

Street-smart move: Work with a broker who lives and breathes construction insurance, knows how to navigate Scaffold Law exposure, and has direct access to the right carriers.

That’s where BGES Group comes in.

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Why New York Contractors Choose BGES Group

At BGES Group, we’re not just another insurance agency—we’re one of New York’s top construction insurance specialists. For decades, we’ve helped contractors of every size slash their insurance costs while protecting their businesses from the unique risks of working in New York.

Here’s what sets us apart:

• We know the New York market inside and out. Scaffold Law, action-over exclusions, subcontractor risk—we deal with it every day.

• We work with multiple carriers to get you the best deal. One agent, one renewal, many options.

• We fight for you at audit time. We help you prepare payroll, subcontractor records, and documentation so you don’t get crushed by surprise bills.

• We’re available when you need us. Call us, text us, email us—we pick up. Contractors can’t afford to wait.

If you want street-smart insurance strategies that actually save money, talk to us before your next renewal.

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Contact BGES Group Today

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

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

Don’t wait until your renewal is a week away. Get ahead of the game and let BGES Group show you how to cut your business insurance costs in New York without cutting your coverage.

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Final Word

New York contractors already deal with enough headaches—owners, GCs, OSHA, and tight margins. Your insurance bill shouldn’t be another killer. By taking a street-smart approach—from cleaning up your payroll records to working with a true construction insurance specialist—you can save thousands each year and keep your business protected.

When your policies come up for renewal, call BGES Group. We know how to fight for contractors, and we’ll make sure you never overpay for coverage again.

If you’re a New York contractor, there’s a good chance your workers compensation coverage is written through the New York State Insurance Fund (NYSIF). NYSIF has been a trusted source of protection for decades, providing affordable coverage backed by the State of New York. But many contractors don’t realize that their NYSIF policy may leave them exposed when they work across state lines in places like Connecticut, New Jersey, or Pennsylvania.

If your crews are spending weeks—or even months—working outside of New York, you may not be properly covered. That can lead to denied claims, state fines, contract disputes, and in the worst cases, lawsuits or out-of-pocket liability.

This article explains what contractors need to know about working out of state with an NYSIF policy, how Endorsement #127 works, the risks of relying on it, and the steps you can take to stay compliant and protected.

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The Risk: Working Out of State With a NYSIF Policy

Workers compensation is regulated on a state-by-state basis. Each state has its own laws about who must be covered, how benefits are paid, and what employers must carry.

Here’s where problems begin for New York contractors:

• NYSIF policies are designed for New York operations.
• If your employees are working full-time in another state for an extended period, that state may require you to carry a valid in-state workers comp policy.
• NYSIF’s basic policy language often won’t satisfy those requirements beyond temporary or incidental work.

Imagine this scenario: A New York contractor wins a two-month project in Connecticut. The crew reports daily to the Connecticut jobsite. If an employee is injured there, the state of Connecticut may expect coverage to be provided by a policy that complies with Connecticut’s workers comp law. But if you only have an NYSIF policy, you may be out of compliance—and at risk of penalties or uncovered claims.

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Step One: Add Endorsement #127 to Your NYSIF Policy

The first tool contractors should know about is Endorsement #127, which can be added to your NYSIF policy.

This endorsement allows your coverage to extend temporarily outside of New York. It’s especially useful for contractors who occasionally take jobs in nearby states but whose business is still primarily in New York.

What Endorsement #127 Does

• Covers employees working temporarily out of state.
• Ensures a claim won’t automatically be denied just because an accident happened outside of New York.
• Helps you satisfy contract requirements when general contractors or project owners ask for proof of coverage in another state.

The Limitation Contractors Must Understand

Here’s the critical detail: Endorsement #127 applies New York workers compensation law and benefit levels, even when the injury occurs out of state.

That means your employee’s benefits are calculated under New York’s system, not the state where the injury occurred.

Why does this matter? Because some states provide more generous benefits than New York. If your employee decides to file their claim in the other state—and they are eligible to do so—you could be held responsible for paying the difference between New York’s benefits and that state’s higher benefits.

For example:

• An employee is injured while working a multi-week project in New Jersey.
• Under NYSIF with Endorsement #127, the employee would be covered under New York’s workers compensation benefit schedule.
• If New Jersey’s system offers higher payments for medical benefits, wage loss, or permanent disability, the worker may file their claim in New Jersey.
• Your company could then be on the hook for the gap in benefits not covered by your NYSIF policy.

So while Endorsement #127 is a smart first step, it’s not a complete solution for long-term or recurring out-of-state work.

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NYSIF’s Program for Out-of-State Operations

Recognizing that many contractors now cross state lines regularly, NYSIF has created a program that allows policyholders to purchase out-of-state coverage while keeping their primary policy in New York.

Here’s how the program works:

• Your majority of payroll must remain in New York.
• You can request additional workers compensation policies through NYSIF to cover operations in other states like Connecticut, New Jersey, or Pennsylvania.
• This allows you to stay compliant with those states’ laws while continuing to maintain your core coverage through NYSIF.

This option is a great solution for contractors who take on repeat projects across state lines but don’t want the hassle of finding separate insurance carriers in each state. It keeps your coverage unified while ensuring compliance and claim protection.

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Alternative Solutions for Contractors

While NYSIF offers strong solutions for many contractors, it’s not the only option. Depending on your business model, project size, and payroll structure, there may be better fits. At BGES Group, we specialize in helping contractors find the right workers compensation program, including:

1. Private Insurance Company Plans – Some private insurers can write multi-state workers compensation policies that avoid the limitations of NYSIF’s Endorsement #127.
2. Payroll/Workers Comp Plans – These programs combine payroll processing with workers compensation coverage. They make compliance simple and often provide automatic multi-state coverage.
3. Professional Employer Organization (PEO) Programs – PEOs handle payroll, HR, and workers comp under one umbrella. They can seamlessly provide coverage for employees working across multiple states, making them ideal for contractors who regularly cross state borders.

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Why Work With BGES Group?

At BGES Group, we are workers compensation specialists for contractors. Our team understands the complexities of NYSIF coverage, endorsement #127, and out-of-state requirements. We also know when NYSIF isn’t the best fit and when contractors should consider alternatives.

Here’s what we offer:

• Deep knowledge of NYSIF policies and how to structure them properly.
• Access to private insurance carriers that can provide broader out-of-state coverage.
• Payroll/wc and PEO programs to simplify compliance and operations.
• A focus on contractors’ unique risks and exposures.

When you work with BGES Group, you’re not just buying an insurance policy—you’re getting a partner who makes sure your workers comp is compliant, cost-effective, and tailored to your business.

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Don’t Leave Out-of-State Work to Chance

Too many contractors assume their NYSIF workers compensation policy covers them everywhere. But if you’re working for weeks at a time in Connecticut, New Jersey, Pennsylvania, or beyond, you may be putting your business at risk.

• Add Endorsement #127 if you take on short-term out-of-state work, but remember it applies New York benefit laws only.
• If employees file claims in another state with richer benefits, you could be liable for the difference.
• For longer-term projects, consider NYSIF’s out-of-state program or alternative insurance solutions.
• Work with a specialist like BGES Group to avoid costly mistakes.

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Contact BGES Group Today

📍 BGES Group

📞 Phone: 914-806-5853 – Gary Wallach
📧 Email: bgesgroup@gmail.com

👉 Whether you need NYSIF expertise, private workers compensation carriers, payroll/wc solutions, or full-service PEO programs, BGES Group is here to help. We specialize in protecting contractors and keeping them compliant in New York, New Jersey, Connecticut, and beyond.

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Final Word

The construction business is competitive, and many New York contractors expand across state lines to grow. But don’t assume your NYSIF workers compensation policy automatically follows you.

By understanding Endorsement #127, its limitations, and NYSIF’s out-of-state program, you can protect your workers, safeguard your company, and win jobs confidently.

With BGES Group as your partner, you’ll have a workers compensation specialist on your side—helping you stay covered, compliant, and focused on building your business.

For contractors in today’s construction market, one of the biggest challenges is figuring out how much liability insurance is “enough.” Between client demands, complex contracts, and the risks that come with every job site, it’s not as simple as buying a standard Commercial General Liability (CGL) policy and calling it a day. The truth is, your liability limits can make or break your ability to secure projects, protect your business, and avoid costly disputes.

In this article, we’ll break down what contractors should consider when deciding on liability limits, how contract requirements play a role, why additional insured endorsements matter, and what it means for your protection when others are named on your policy. Finally, we’ll introduce you to BGES Group, a trusted insurance partner serving contractors in New York, New Jersey, and Connecticut.

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Why Liability Insurance Matters More Than Ever

Every project you take on carries inherent risks—bodily injury, property damage, completed operations claims, and more. Liability insurance is designed to protect you from lawsuits and claims that could otherwise cripple your business.

But here’s the catch: liability insurance isn’t just about covering accidents. It’s about meeting client requirements and positioning yourself as a professional, reliable contractor who can take on bigger, better jobs. Without adequate coverage, you risk losing contracts or facing devastating out-of-pocket costs.

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Contract Requirements: The First Factor to Consider

For most contractors, liability limits aren’t determined by preference—they’re dictated by the contracts you sign.

• Owner and Developer Requirements: Many project owners will specify the minimum CGL limits required before you can step foot on the job. A small residential remodel may only require $1 million per occurrence, while a commercial development might demand $5 million or more in total coverage.
• Municipal and Government Work: Public projects often have stricter insurance requirements, including higher limits and specific endorsements, before permits are even issued.
• General Contractor/Subcontractor Agreements: If you’re a subcontractor, your general contractor may require that you carry equal or greater limits than they do, plus name them as an additional insured.

Bottom line: before bidding on any job, carefully review the insurance provisions in the contract. This will help you determine whether your existing policy is sufficient—or if you need to increase your limits to compete.

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Project Size and Scope: Tailoring Coverage to the Job

Even if your contracts don’t specify limits, the type of work you perform should guide your decision.

• Small Jobs: Residential repairs or maintenance work may only justify lower liability limits.
• Mid-Size Projects: Facade restoration, roofing, or interior renovations typically require higher limits due to greater exposure.
• Large-Scale Construction: Ground-up builds, structural work, or projects with cranes and heavy equipment can present multimillion-dollar risks, often requiring excess liability (umbrella) policies.

A good rule of thumb: the bigger the job, the higher the limits you should carry.

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Additional Insureds: Transferring Liability—But at a Cost

One of the most overlooked parts of liability insurance is the additional insured requirement.

When you name a client, general contractor, or property owner as an additional insured, you are extending your insurance protection to them. This is designed to transfer liability away from them and onto you.

For example, if a third party sues both you and the property owner for a jobsite accident, your insurance could end up defending and paying on their behalf.

While this is standard in construction, contractors often don’t realize the downside:

• Shared Limits: Every dollar spent defending or indemnifying an additional insured comes out of your policy limits.
• Depleted Protection: If multiple parties are added as additional insureds—and claims arise—you could see your own coverage depleted before it’s needed to defend your business.
• Ongoing Obligations: Some contracts require that you keep the client listed as an additional insured even after the project is completed, exposing you to long-tail risks.

This doesn’t mean you can avoid granting additional insured status. But it does mean you need to carefully weigh your limits and possibly increase them to ensure you’re not left exposed.

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Balancing Risk Transfer and Self-Protection

In construction, risk transfer is part of the game. You’ll transfer some risks downstream to subcontractors, while upstream parties will push them onto you. The key is to strike a balance:

• Get Certificates from Subcontractors: If you use subcontractors, require proof of insurance naming you as an additional insured.
• Review Contracts Before Signing: Don’t blindly accept terms that overextend your liability.
• Work with an Insurance Professional: A knowledgeable broker can help negotiate terms, secure endorsements, and structure your coverage so that you’re not carrying more than your fair share.

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So, How Much Liability Coverage Do Contractors Need?

There’s no one-size-fits-all answer, but here’s a practical framework:

1. Start with at least $1,000,000 per occurrence / $2,000,000 aggregate—the industry baseline for most contractors.
2. Add excess liability (umbrella) coverage to meet contractual demands or if you regularly work on larger projects. Limits can range from $2 million to $10 million or more, depending on the job size.
3. Adjust based on contracts and project type. Always let your work and your clients’ requirements guide your limits.

Remember: the cost of carrying higher limits is small compared to the financial devastation of an uncovered claim.

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Who We Are: BGES Group

At BGES Group, we specialize in serving contractors just like you. For decades, we’ve helped construction businesses across New York, New Jersey, and Connecticut secure the liability protection they need to compete, grow, and thrive.

Our team understands the unique challenges contractors face—contract requirements, certificates of insurance, additional insured endorsements, and risk transfer. We know the local market, the carriers, and the pitfalls that trip up contractors who try to navigate insurance on their own.

When you work with BGES Group, you get more than just a policy. You get a partner who will:

• Review your contracts and advise on insurance requirements.
• Help you structure your coverage to protect against both jobsite risks and additional insured obligations.
• Provide fast turnaround on certificates so you never lose time waiting for paperwork.
• Offer guidance on risk management so you can reduce claims and keep premiums competitive.

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Contact BGES Group Today

If you’re a contractor in New York, New Jersey, or Connecticut and you’re asking yourself, “Do I have enough liability coverage?”—it’s time to talk to BGES Group.

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

Don’t leave your business exposed. Let BGES Group help you determine the right coverage, navigate complex requirements, and secure the protection you need to grow with confidence.

New York is one of the toughest states in the country for contractors when it comes to business insurance. One major reason is Labor Law 240/241, better known as the Scaffold Law. This unique law places absolute liability on contractors and property owners for gravity-related accidents—falls from heights or falling objects—even if the worker was partially or fully at fault.

Unlike most states where comparative negligence applies, in New York, if a worker is injured in a fall, the contractor and property owner are almost always responsible. The result? Higher claims, more lawsuits, and skyrocketing insurance premiums. For contractors, understanding how this law impacts general liability coverage is critical to staying in business.

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How the Scaffold Law Impacts Contractor General Liability Rates

Insurance companies know that New York’s Scaffold Law leads to frequent, costly claims. Jury awards often run into the millions of dollars. Because of this:

• General liability premiums are much higher in New York compared to other states.

• Many carriers will not write coverage at all for contractors working in the five boroughs.

• Some insurers impose strict underwriting guidelines, requiring detailed safety programs and strong contractual risk transfer with subcontractors.

For a contractor, this means insurance costs can easily be one of your largest business expenses—sometimes more than payroll or equipment financing.

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Exclusions That Can Leave Contractors Exposed

Even when you secure general liability coverage, you need to carefully review the policy exclusions. Insurance carriers often use endorsements to limit their exposure under the Scaffold Law. If you’re not careful, you may think you’re covered when you’re not. Here are three of the biggest exclusions New York contractors must watch for:

1. Height Restrictions

Some policies exclude coverage for work above a certain number of feet—often two stories or 15 feet. This type of exclusion is devastating for roofers, scaffold erectors, steel workers, and any contractor involved in multi-story buildings. A single uncovered claim could bankrupt a business.

2. Employee Injury Exclusions

General liability insurance is designed to cover third-party claims, not injuries to your own employees—that’s what workers’ compensation is for. However, insurers sometimes broaden this exclusion, removing coverage for injuries to employees of subcontractors or anyone considered an employee by law. Under the Scaffold Law, these exclusions can leave contractors without protection when a subcontractor’s worker files a claim.

3. Action Over Exclusions

One of the most dangerous endorsements contractors face in New York is the Action Over Exclusion. This eliminates coverage for lawsuits brought by injured employees or subcontractor employees who sue an owner, developer, or general contractor—and then that party brings action “over” against your company.

Here’s why it matters:

• Scaffold Law claims are almost always action over claims.

• Even if you have workers’ comp, an injured worker can sue the owner or GC, who then brings you into the lawsuit.

• If your policy has an action over exclusion, your insurance company may deny the claim outright—leaving you with no coverage for legal defense or damages.

This single exclusion has bankrupted contractors who thought they were covered.

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Why Standard Policies Aren’t Enough in New York

Because of these exclusions, a “standard” general liability policy is often inadequate for New York contractors. You need to work with a broker who:

• Knows which carriers will write Scaffold Law–exposed risks.

• Can negotiate broader coverage without dangerous exclusions.

• Understands how contracts with general contractors, owners, and municipalities affect your insurance requirements.

Choosing the wrong broker or relying on a cheap policy that looks good on paper can destroy your business when a claim happens.

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How BGES Group Protects New York Contractors

This is where BGES Group comes in. For over 44 years, BGES Group has specialized in helping contractors navigate New York’s complex insurance landscape. We’re not a large, impersonal agency where one account executive manages 200 accounts. At BGES Group:

• Personalized Service: Our account executives typically handle fewer than 50 accounts each, meaning you get the attention and expertise your business deserves.

• New York Construction Experts: Unlike generalist agencies, we live and breathe New York construction insurance. We know the carriers, the exclusions, and the strategies to get you the best protection at the best rates.

• Hands-On Support: We don’t just place your policy and disappear. We help with certificates of insurance, contract reviews, claims assistance, and safety guidance to keep your premiums under control.

• Market Access: We work with the top admitted and surplus lines carriers willing to write Scaffold Law–exposed contractors. We know how to present your business to underwriters so you stand out as a safer, more insurable risk.

When other agencies say “it can’t be done” or push you toward a stripped-down policy full of exclusions, BGES Group finds real solutions.

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What Makes Us Different From Other Agencies

Most agencies:

• Don’t specialize in construction.

• Assign inexperienced account managers to your business.

• Sell the cheapest policy to win the account, leaving you exposed.

• Fail to explain dangerous exclusions hidden in your policy.

BGES Group is different because we:

• Focus exclusively on construction insurance with a heavy emphasis on New York contractors.

• Review every endorsement to eliminate hidden gaps in coverage.

• Negotiate on your behalf with underwriters who trust our expertise.

• Educate you about your risks, so you understand what’s covered and what’s not.

• Give you direct access to senior professionals—not a revolving door of junior staff.

In short, we put ourselves on your side, making sure you’re protected before the claim—not after.

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Don’t Let Insurance Be the Reason You Lose Work

New York contractors already face enormous challenges—tight margins, labor shortages, material costs, and regulatory compliance. Insurance shouldn’t be another obstacle. By partnering with BGES Group, you can:

• Lower your liability premiums with smart risk management and underwriting strategies.

• Win more jobs by providing the correct certificates of insurance that meet contract requirements.

• Protect your business assets from devastating Scaffold Law claims.

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Contact BGES Group Today

Don’t leave your business exposed to New York’s Scaffold Law. Let BGES Group help you secure the right coverage, at the right price, with the right support.

📞 Call: Gary Wallach – (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

With BGES Group on your side, you can focus on building New York—while we focus on protecting you.

Being a contractor in New York isn’t easy. Between strict regulations, high costs, and fierce competition, contractors face constant challenges that can affect their bottom line. From navigating insurance requirements to staying compliant with safety standards, every detail matters. Below are the 10 most important issues New York contractors face, along with practical solutions to help overcome them.

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1. Skyrocketing Insurance Costs

The Issue:

New York construction insurance is among the most expensive in the country. Liability insurance, workers’ compensation, and umbrella coverage can eat into profits, especially for small and mid-sized contractors. Many contractors overpay or don’t have the right coverage tailored to their business.

The Solution:

Partner with a specialist who understands the New York construction market. Gary Wallach at BGES Group is an expert in New York construction insurance. With over 44 years of experience, Gary helps contractors lower costs, secure better coverage, and avoid costly gaps in protection. Contact him directly at 914-806-5853 or bgesgroup@gmail.com. Visit http://www.bgesgroup.com to learn more.

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2. Labor Shortages

The Issue:

Finding skilled workers is an ongoing challenge for New York contractors. Many jobs require specialized labor, but the pool of qualified workers is shrinking. This slows down projects, increases costs, and puts pressure on deadlines.

The Solution:

Invest in workforce development. Build relationships with trade schools, offer apprenticeship programs, and consider referral bonuses to attract talent. Contractors who provide steady work, fair wages, and safe working conditions retain workers longer.

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3. Regulatory Compliance

The Issue:

New York contractors face complex regulations from OSHA, local building departments, and state agencies. Non-compliance can lead to heavy fines, project delays, and even lawsuits.

The Solution:

Stay proactive by keeping up with regulatory changes. Assign someone in your business to monitor updates, attend compliance training, and work with consultants who specialize in New York construction law. Technology tools can also track permits and safety requirements.

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4. Project Delays and Scheduling Conflicts

The Issue:

Weather, material shortages, and labor disputes cause costly delays. In New York City, traffic, permitting, and union rules add even more challenges.

The Solution:

Use project management software to plan ahead and adjust in real time. Maintain strong communication with suppliers, subcontractors, and clients. Adding buffer time in contracts can also reduce disputes over unexpected delays.

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5. Rising Material Costs

The Issue:

Lumber, steel, and concrete prices fluctuate dramatically. Contractors often face tight margins and risk losing money on fixed-bid projects when prices rise.

The Solution:

Negotiate with suppliers for bulk discounts or lock in prices with contracts when possible. Consider alternative materials without sacrificing quality. Pass some risk to clients through escalation clauses in contracts that account for material cost increases.

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6. Safety Risks on Job Sites

The Issue:

Construction is one of the most dangerous industries, and New York contractors are under strict scrutiny when it comes to jobsite safety. Injuries can lead to lawsuits, lost time, and skyrocketing insurance premiums.

The Solution:

Create a strong safety culture. Conduct regular toolbox talks, enforce PPE use, and provide training on fall protection and equipment handling. Contractors who demonstrate commitment to safety not only reduce accidents but also improve employee morale.

7. Cash Flow Problems

The Issue:

Late payments from clients and slow-moving projects can squeeze cash flow. Contractors often struggle to cover payroll, pay suppliers, and keep projects moving.

The Solution:

Negotiate favorable payment schedules that include upfront deposits and progress payments. Use invoice management software to track outstanding balances. For large projects, consider financing options or lines of credit to stabilize cash flow.

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8. Competition and Bidding Wars

The Issue:

New York is one of the most competitive construction markets in the U.S. Many contractors underbid to win work but end up struggling to make a profit.

The Solution:

Differentiate your business. Highlight your track record, safety record, and ability to deliver on time. Instead of always competing on price, market the value you provide—quality workmanship, reliability, and expert risk management.

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9. Technology Adoption

The Issue:

Some contractors hesitate to adopt new technology like project management apps, estimating software, or drone inspections. This can leave them behind competitors who work more efficiently.

The Solution:

Start small by introducing one tool at a time, such as estimating software or time-tracking apps. Train your team and demonstrate the benefits. Over time, technology improves efficiency, reduces waste, and makes businesses more competitive.

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10. Legal Disputes and Contract Issues

The Issue:

Disputes over scope, delays, or payments are common in New York construction. Lawsuits and arbitration can be costly and time-consuming.

The Solution:

Hire an attorney experienced in New York construction contracts. Make sure all agreements clearly define scope, deadlines, and payment terms. Mediation and arbitration clauses can also prevent drawn-out court battles.

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Final Thoughts

New York contractors face enormous challenges every day—rising insurance costs, labor shortages, compliance hurdles, and more. The good news is that with the right strategies and partners, these challenges can be managed and even turned into opportunities.

One of the smartest moves any contractor can make is to secure better business insurance. Having the right coverage not only protects against accidents, lawsuits, and losses but also provides peace of mind so you can focus on growing your business. That’s where BGES Group comes in.

For expert guidance on New York construction insurance, contact:

BGES Group

Gary Wallach – New York Construction Insurance Specialist

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

With the right strategies—and the right insurance partner—your contracting business can thrive in even the toughest New York market.

For New York contractors, every dollar counts. Between labor, materials, and navigating the ever-changing regulations in the construction industry, managing costs while keeping your business protected is no small task. One of the biggest recurring expenses is your contractors’ liability insurance. And when your policies come up for renewal, the last thing you want is higher premiums for less coverage.

The best way to secure better coverage at lower rates is simple: let BGES Group shop the market for you. With over four decades of expertise, a boutique level of service, and unmatched knowledge of New York construction insurance, BGES Group consistently helps contractors like you save money while strengthening protection.

Here’s why.

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10 Reasons to Let BGES Group Review Your Liability Policies

1. We Are New York Construction Insurance Experts

At BGES Group, we live and breathe New York construction insurance. While many agencies cover dozens of industries, we specialize in contractor liability insurance, workers’ compensation, and auto insurance for contractors. That means when you call us, you’re not explaining your business—we already understand the unique risks you face.

2. Personalized Service – No Overloaded Account Executives

At large agencies, account executives may juggle 200 or more accounts, making it impossible to give each contractor the attention they deserve. At BGES Group, our account executives service fewer than 50 accounts. That means your business gets the care, detail, and responsiveness you need to avoid costly gaps in coverage.

3. 44 Years of Experience

We’ve been in the industry since 1981, helping contractors weather economic downturns, insurance market swings, and changes in New York’s labor laws. With 44 years of hands-on experience, we know what works, what doesn’t, and how to position your business to get the best rates available.

4. We Answer the Phone Immediately

Time is money, especially in construction. Unlike agencies where calls go to voicemail or you wait days for a response, we pick up the phone immediately. If you need a certificate, guidance on a contract, or help with a claim, we’re there when you need us.

5. Certificates Issued in Minutes

Need a certificate for a job site? With BGES Group, certificates are processed within minutes, not days. We understand that delays can hold up projects and cost you money, so we make sure you’re never waiting.

6. We’re Smart – and Street Smart

Insurance isn’t just about policy language. It’s about knowing how to negotiate with underwriters, how to structure your program to fit contract requirements, and how to protect you from risk-shifting clauses. We bring both technical knowledge and real-world street smarts to every account.

7. We Fight to Keep Your Rates Competitive

Renewal time often means surprise increases. We don’t just roll your policy over. We shop aggressively with multiple top-rated carriers, looking for ways to get you better coverage for less money.

8. We Care About Your Business

We’re not a faceless corporate agency. We’re a team that genuinely cares about helping contractors succeed. That’s why many of our clients have stayed with us for decades.

9. We Help You Navigate Compliance Issues

New York has some of the toughest compliance requirements in the country. We stay on top of them, so you don’t have to. From contractual insurance requirements to OCIP/CCIP programs, we help make sure you’re always covered.

10. We’re Trusted by Contractors Across New York

Our clients consistently leave 5-star reviews because we deliver on our promises. We’re not just an insurance agency—we’re a long-term partner you can rely on.

What BGES Group Does for New York Contractors

BGES Group specializes in:

• General Liability Insurance for contractors

• Workers’ Compensation Insurance for all industries

• Commercial Auto Insurance for construction firms

• Umbrella and Excess Liability

• Risk Management Guidance to protect against lawsuits and claims

When your liability policies come up for renewal, we don’t just “quote and hope.” We carefully analyze your current coverage, identify gaps, and approach insurers strategically to secure lower premiums with stronger protection.

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What Contractors Say About BGES Group

Don’t just take our word for it—here are five reviews from contractors who’ve worked with us:

1. “BGES Group saved us thousands on our insurance and got us better coverage. They know New York construction insurance inside and out.”

2. “When we need certificates, they’re issued within minutes. No waiting, no hassle. That’s why we’ll never leave BGES.”

3. “Gary and his team answer the phone every time we call. You don’t get that kind of service anywhere else.”

4. “We’ve been with BGES Group for years. They’ve helped us navigate audits, claims, and tough renewals. We couldn’t ask for a better insurance partner.”

5. “Other agencies treated us like a number. At BGES, they actually care about our business and fight to get us the best deal every year.”

These reviews reflect what sets us apart: expertise, responsiveness, and a genuine commitment to helping contractors succeed.

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Why SEO Matters for Contractors

If you’re reading this, you probably searched for something like:

• “Best New York contractor liability insurance”

• “How to lower contractor insurance rates in NY”

• “Contractor liability insurance renewal savings”

That’s no accident. At BGES Group, we make sure contractors looking for better coverage and lower rates can find us easily. Just as you need visibility to win bids, we make sure our expertise is visible when contractors search for insurance solutions.

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Partner with BGES Group Today

Renewal time is when most contractors lose money—accepting rate increases without realizing there are better options available. Don’t let that happen to you. Partner with BGES Group, and we’ll make sure you get:

✅ Better coverage

✅ Lower rates

✅ Personalized service

✅ Certificates in minutes

✅ A trusted partner with 44 years of experience

Contact BGES Group Today

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com – Gary Wallach

• Website: http://www.bgesgroup.com

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Final Word

For New York contractors, the smartest move at renewal time is clear: let BGES Group review your policies. With unmatched expertise, boutique service, and a proven track record of saving contractors money, we’re the insurance partner you need to protect your business and your bottom line.

Better coverage. Lower rates. That’s the BGES Group promise.

For contractors across New York, New Jersey, and Connecticut, workers compensation insurance is one of the most important policies you carry. Not only is it legally required, but it also protects your employees and your business in case of injury, illness, or workplace accidents. Unfortunately, many contractors feel frustrated with skyrocketing premiums, invasive audits, and limited options from carriers that don’t understand the unique risks of construction.

That’s where BGES Group comes in. We specialize in helping tri-state contractors secure smarter workers compensation programs designed specifically to protect you, stabilize costs, and give you the peace of mind you deserve.

Below, we’ll break down 10 major benefits of the workers compensation program we offer, then review another unique alternative program that has helped many contractors regain control of their costs. Finally, we’ll explain why BGES Group is the right partner if you’re facing cancellation, renewal issues, or just need a fresh start with better coverage.

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10 Benefits of the BGES Group Workers Compensation Program

Our program is built to address the problems contractors face every day. Here are the top 10 benefits:

1. Significant Cost Savings Contractors often see lower premiums compared to traditional plans, thanks to a smarter underwriting approach tailored for construction risk.
2. Coverage Stability Unlike volatile carriers that pull out of markets or drop accounts suddenly, this program is designed to stay consistent year after year.
3. Multi-State Coverage Perfect for contractors who work across New York, New Jersey, and Connecticut. The program provides seamless protection wherever your jobs take you.
4. Reduced Audit Headaches Contractors dread annual audits. This program offers an alternative structure that minimizes audit stress, surprise bills, and disputes.
5. Flexible Payment Options Cash flow is critical in construction. With pay-as-you-go features, premiums adjust to your actual payroll, so you’re not overpaying upfront.
6. Access to Better Claims Management Claims are handled with speed and expertise, helping injured workers recover faster while reducing your overall claims costs.
7. Improved Safety Resources The program includes access to training, loss control, and risk management support to help prevent accidents before they happen.
8. Fewer Mid-Term Interruptions Unlike standard carriers that frequently send out cancellation threats or demand mid-policy changes, this program is stable and predictable.
9. Tailored to Construction Many workers comp carriers don’t understand construction. This program was built for contractors, from small trades to large general contractors.
10. Peace of Mind at Renewal Instead of worrying about last-minute surprises at renewal time, contractors in this program enjoy consistency and fairness year after year.

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An Alternative Program That’s Changing the Game

In addition to our core offering, BGES Group also provides access to a unique workers compensation program that has been gaining traction among contractors in the tri-state area. While we won’t name the provider, here’s what you need to know about how it works and why it may be the right solution for your company:

• Long-Term Rate Stability – Contractors are tired of yearly rate hikes. This program locks in stability, shielding you from unpredictable increases.
• Profit Sharing Potential – Unlike standard plans where carriers keep all the profits, this program may return money back to you if your claims are favorable.
• Custom Underwriting – Instead of treating every contractor the same, underwriting is tailored to your business, your payroll, and your safety record.
• Coverage Security – Even when other insurers leave the market or decline construction risks, this program continues to stand strong.
• Growth-Friendly – Whether you’re expanding your crew, bidding on bigger projects, or working in multiple states, this program can grow with you.

For contractors frustrated with traditional workers compensation, this alternative option has proven to be a lifesaver—offering savings, stability, and support in ways most standard carriers can’t match.

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Why Work with BGES Group?

At BGES Group, we are not generalists. We are workers compensation specialists with decades of experience serving contractors throughout New York, New Jersey, and Connecticut. We know the ins and outs of labor laws, audits, claims handling, and carrier red tape that frustrate contractors daily.

Here’s why contractors come to us:

• We specialize in construction risks. We understand your business better than the average broker who only dabbles in construction insurance.
• We find solutions for cancelled or hard-to-place accounts. If your carrier is cancelling you, raising rates beyond reason, or threatening non-renewal, we step in to secure coverage fast.
• We fight for you. From claims management to renewal negotiations, our job is to protect you—not the insurance companies.
• We offer multiple program options. From our own workers comp program to the unique alternative described above, we’ll help you find the best fit.

Many contractors come to us after years of frustration with traditional insurance companies. They quickly discover that working with specialists makes all the difference.

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Contact BGES Group Today

If you’re a contractor in New York, New Jersey, or Connecticut, and you’re tired of unpredictable premiums, painful audits, or cancellations, now is the time to take control of your workers compensation insurance.

BGES Group is here to help. We are workers compensation specialists dedicated to protecting contractors like you.

📞 Call us today: (914) 806-5853 – Gary Wallach

📧 Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

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Final Thoughts

Workers compensation is more than just another line item expense. It’s a critical safeguard for your employees, your company, and your future. With BGES Group’s programs, contractors across the tri-state area can finally enjoy savings, stability, and peace of mind.

If your current carrier isn’t working for you—or worse, is cancelling you—don’t wait until it’s too late. Turn to BGES Group for the workers compensation solutions your business needs to thrive.

Running a contracting business in New York is no easy task. Between juggling projects, managing employees, and keeping up with regulations, it’s easy to let insurance renewals slide by without much thought. But overlooking your insurance review can cost you thousands of dollars—and leave your business exposed.

At BGES Group, we specialize in helping New York contractors like you navigate liability, workers’ compensation, and commercial auto insurance. Below, we’ll walk you through 5 reasons you shouldn’t let your liability or workers’ compensation policies renew without a BGES review, 5 reasons you should let us review your auto insurance, and 5 reasons our service outshines most other agencies.

5 Reasons You Shouldn’t Let Liability Insurance Renew Without a BGES Group Review

1. Hidden Gaps in Coverage
   Many liability policies exclude subcontractor work, residential projects, or specific trades. BGES knows where the gaps hide and how to fix them before a claim hits.
2. Excessive Premiums
   New York contractors are among the highest-rated in the country. BGES compares carriers and programs daily, ensuring you aren’t overpaying for the same protection.
3. Incomplete Additional Insured Endorsements
   General contractors and project owners demand broad coverage. Without proper endorsements, your certificate may not comply—and you risk losing work.
4. Outdated Limits
   Project requirements evolve. BGES reviews whether your current liability limits meet today’s job specifications, avoiding last-minute panic before a bid or renewal.
5. No Strategy for Future Renewals
   Most agents treat renewal as a yearly transaction. At BGES, we help you plan for renewals months in advance, so you aren’t stuck with last-minute surprises.

5 Reasons You Shouldn’t Let Workers’ Compensation Renew Without a BGES Group Review

1. Misclassified Payroll
   Contractors frequently get hit with the wrong class codes. A single misclassification can double your premium. BGES catches and corrects errors.
2. Audit Headaches
   New York audits can be brutal. BGES knows how to prepare you, defend disputes, and eliminate unnecessary charges.
3. No Coverage for Out-of-State Work
   If you ever send crews to New Jersey, Connecticut, or beyond, you could be uninsured. BGES ensures your policy complies wherever you operate.
4. Excluded Owners or Partners
   Many contractors unknowingly leave owners exposed. BGES confirms whether you’re covered when you step on-site.
5. Missed Discounts
   Workers’ comp is not one-size-fits-all. BGES identifies programs, credits, and group plans that other agents often overlook.

5 Reasons You Should Let BGES Group Review Your Commercial Auto Insurance

1. Soaring Premiums
   Auto rates in New York have skyrocketed. BGES actively markets your account to keep premiums under control.
2. Improperly Rated Vehicles
   Work vans and pickups often get rated incorrectly. BGES ensures vehicles are classified properly to avoid inflated costs.
3. Driver Exclusions
   One uninsured driver can shut down your job. BGES helps verify all employees are properly listed and cleared to drive.
4. Lack of Hired/Non-Owned Coverage
   If employees use their own vehicles for work, you may be exposed. BGES ensures your policy includes this critical protection.
5. Umbrella Coordination
   Auto coverage must line up with your liability and umbrella policies. BGES ensures no gaps exist between them.

5 Reasons BGES Group’s Service Beats Most Agencies

1. Direct Access to Experts
   You don’t get shuffled to voicemail. Call BGES and you speak directly with someone who understands New York contractors.
2. Lightning-Fast Certificates
   We issue certificates in minutes, not days, so you never lose out on a job waiting for paperwork.
3. Street-Smart Problem Solvers
   We’ve been through it all—audits, claims disputes, compliance headaches. Our team knows how to get problems solved quickly.
4. Proactive, Not Reactive
   Most agencies react when there’s a problem. BGES anticipates issues before they affect your business.
5. Family-Owned, Contractor-Focused
   We’re not a call center. We’re a dedicated, independent agency built around helping contractors succeed in one of the toughest markets in the country.

Final Word: Don’t Leave Renewal to Chance

Insurance isn’t just paperwork—it’s the backbone that protects your contracting business, your employees, and your future. Renewing without a review can cost you dearly in premiums, compliance, and uncovered claims.

BGES Group has built its reputation on helping New York contractors stay properly protected while controlling costs. If your liability, workers’ comp, or auto insurance is coming up for renewal, now’s the time to let us review your coverage.

Contact BGES Group Today

📍 BGES Group

Specialists in New York Construction Insurance & Workers’ Compensation

📞 Gary Wallach – 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

When you’re a contractor working in New York, you operate under one of the most complex and contractor-unfriendly legal environments in the country. New York’s Labor Laws—specifically Sections 240, 241, and 200—are among the strictest in the nation. These laws were created with the intent of protecting workers, but they also place an enormous financial burden on general contractors, subcontractors, and building owners. If you’re performing work in New York City, these laws directly affect your contractors’ liability insurance in ways that your colleagues across the river in New Jersey or Connecticut do not face.

In this article, we’ll break down what New York Labor Laws are, how they impact your insurance costs compared to nearby states, provide real-world examples of claims, and explain why contractors should always seek expert help from BGES Group when renewal time comes around.

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What Are New York Labor Laws?

New York’s Labor Laws were written to safeguard workers on construction sites. The key statutes are:

• Labor Law 240 (Scaffold Law): Requires contractors and owners to provide adequate fall protection for workers at heights. If a worker falls from a ladder, scaffold, or any elevated surface, liability is often placed squarely on the contractor or owner—regardless of worker negligence.
• Labor Law 241(6): Mandates that construction sites comply with specific safety rules and codes established by the New York State Industrial Code. Violations can result in liability if a worker is injured.
• Labor Law 200: A general duty to provide a safe work environment, which can apply broadly to many types of site-related injuries.

Unlike many other states, New York’s laws often impose absolute liability on contractors and owners. This means even if a worker’s actions caused or contributed to the accident, the responsibility still falls heavily on the contractor and/or property owner.

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How New York Labor Laws Impact Contractors’ Insurance

Because of these unique laws, insurance carriers treat New York contractors very differently than they do in states like New Jersey or Connecticut.

1. Higher Premiums: Liability and umbrella insurance policies for New York contractors can be two, three, or even five times more expensive than in nearby states. The reason? The risk of catastrophic Labor Law claims.
2. Limited Carrier Options: Many insurers refuse to write policies for contractors working in New York City because of the liability environment. This reduces competition and drives prices higher.
3. Excess Liability Challenges: In New Jersey or Connecticut, securing excess liability coverage is relatively straightforward. In New York, it’s often extremely difficult and costly due to the potential severity of Labor Law claims.
4. Policy Exclusions: Some insurers may issue policies with hidden exclusions that severely limit coverage for Labor Law-related injuries. Contractors who don’t read the fine print—or don’t work with a specialist—may discover too late that they aren’t properly protected.
5. Impact on Subcontractors: Even if you’re “just the subcontractor,” Labor Laws often drag everyone into the lawsuit—the subcontractor, the general contractor, and the building owner. Your policy needs to be carefully structured to protect you in these scenarios.

In short, New York contractors face insurance costs and risks far beyond those of their counterparts in New Jersey or Connecticut.

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Five Examples of New York Labor Law Claims

Imagine you are a subcontractor hired by a general contractor who, in turn, is hired by a building owner to work on a project in New York City. Here are five real-world examples of how Labor Law claims unfold:

1. Ladder Fall (Labor Law 240): One of your workers is installing sheetrock while standing on a ladder. The ladder shifts, and he falls, breaking his arm and suffering head injuries. Even if he set up the ladder incorrectly, your company—and the GC and owner—are held liable.
2. Scaffold Collapse (Labor Law 240): A scaffold you’re using to perform façade repairs collapses because another trade improperly tied it off. Your workers are injured. Regardless of fault, you, the GC, and the building owner are sued.
3. Falling Object (Labor Law 240): A worker is struck by a falling tool from above while your crew is working nearby. Despite not causing the accident, your company is brought into the lawsuit because you were on the project.
4. Slip and Fall on Debris (Labor Law 241): An employee trips over debris left in a walkway and fractures his leg. Because the site was not in compliance with the Industrial Code, liability falls on the contractors and owner.
5. Unsafe Work Environment (Labor Law 200): One of your employees is electrocuted due to exposed wiring. Even though the wiring was installed by another subcontractor, you, along with the GC and building owner, are sued for failing to provide a safe work environment.

These examples highlight why New York contractors are constantly under legal and financial siege.

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Why You Should Turn to BGES Group at Renewal

Given the harsh insurance environment, New York contractors cannot afford to take chances when their policies renew. Every policy must be carefully reviewed to ensure it provides broad, enforceable coverage for Labor Law claims. That’s where BGES Group comes in.

When your general liability, umbrella liability, and workers’ compensation policies come up for renewal, BGES Group provides:

• Expert Reviews: We examine your policies for exclusions or hidden gaps that could cost you millions in the event of a claim.
• Competitive Backup Quotes: By accessing top carriers, we can provide alternative quotes so you’re not stuck with your current broker’s renewal terms.
• Specialization in Contractors: We focus exclusively on contractors and have decades of experience dealing with Labor Law risks.
• Proactive Planning: Ideally, you should contact us at least three months before renewal so we can prepare a thorough review and negotiate with carriers on your behalf.

No contractor should face New York’s insurance market alone. BGES Group is your partner in navigating this minefield.

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Contact BGES Group Today

Don’t wait until renewal is upon you. Protect your business and your livelihood by working with the experts.

BGES Group Contractors’ Insurance Specialists

📞 Phone: 914-806-5853 – Gary Wallach

📧 Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Serving New York, New Jersey, and Connecticut contractors with unmatched expertise in liability, umbrella, and workers’ compensation coverage.

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Final Word

New York’s Labor Laws make construction insurance more expensive and complicated than almost anywhere else in the country. Contractors face absolute liability for worker injuries, and insurance companies know it—driving costs through the roof. Compared to New Jersey and Connecticut, the risks are night and day.

As a subcontractor, you can easily find yourself named in lawsuits that threaten your company’s survival. That’s why, when your insurance renews, you should turn to BGES Group. With their expertise, you’ll have the confidence that your coverage is strong, your premiums are competitive, and your business is protected.

When your General Liability, Umbrella Liability, and Workers Compensation policies come up for renewal, the choices you make can directly impact your bottom line, legal protection, and the stability of your business.

At BGES Group, we specialize in protecting New York contractors. For decades, we’ve helped contractors like you secure the right coverage, better pricing, and more reliable service. Our message is simple: don’t wait until the last minute—come to us at least three months prior to your renewal date for a free second review of your policies. You might be surprised at how much you’ve been overpaying or how exposed you are without realizing it.

Here are 15 reasons why New York contractors should partner with BGES Group:

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1. Specialized Expertise in Construction Insurance

We don’t dabble in dozens of industries. We live and breathe contractor insurance, understanding the risks you face every day on job sites across New York.

2. Proactive Renewal Strategy

Waiting until the last minute can cost you tens of thousands. We start early—reviewing, quoting, and negotiating well in advance to deliver better coverage and lower premiums.

3. Workers Compensation Specialists

Workers comp is one of the most misunderstood and overpriced policies. We help contractors slash costs, eliminate surprises, and simplify audits.

4. Umbrella Liability Programs Tailored to Contractors

Many umbrella policies exclude coverage contractors assume they have. We make sure your umbrella actually sits on top of your liability policies, filling gaps instead of leaving you exposed.

5. Exclusive Market Access

As a respected broker, BGES Group has access to top insurance carriers and exclusive programs that most agencies can’t offer New York contractors.

6. Cost Savings Without Sacrificing Coverage

We know where insurance companies hide premium traps. Our job is to drive down costs while expanding your protection.

7. Protection Against Insurance Rate Increases

With renewals climbing every year, our strategy focuses on helping you avoid the sting of sudden rate hikes.

8. Contract Compliance Support

When owners, developers, or GCs demand specific insurance endorsements (additional insured, waiver of subrogation, primary & non-contributory), we make sure you’re in compliance, avoiding costly project delays.

9. Personalized, Hands-On Service

We don’t treat you like a policy number. With BGES Group, you get direct access to senior specialists, not call centers.

10. Claims Advocacy

Insurance is useless if claims are denied. We stand beside you, fighting for fast and fair claim settlements.

11. Avoiding Dangerous Policy Exclusions

Many contractors unknowingly buy policies full of exclusions that would never pay out. We scrutinize every word of your policy to prevent surprises.

12. Audit Preparation & Defense

Carriers love post-policy audits that result in massive additional bills. We prepare and defend you during audits, protecting your cash flow.

13. Protecting Your Reputation & Business Future

One uncovered claim can bankrupt a contractor. We shield your company’s assets and reputation so you can keep winning jobs.

14. Simplifying the Insurance Process

Contractors are busy. We cut the jargon and deliver clear, easy-to-understand insurance solutions so you know what you’re buying and why.

15. Trusted Partner in Growth

As your business grows, your risks grow too. We stay one step ahead, adapting your coverage so you’re always protected, whether you’re handling a $1M job or a $50M project.

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Don’t Wait Until It’s Too Late

Insurance renewals are not something to gamble with. By coming to BGES Group at least three months before your renewal, you give us the time we need to deliver the best results. Contractors who wait until the last moment often get stuck paying inflated premiums or stuck with dangerous coverage gaps.

Protect your company. Protect your employees. Protect your future.

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Contact BGES Group Today

📞 Call: (914) 806-5853 – Gary Wallach

📧 Email: bgesgroup@gmail.com

🌐 Website: www.bgesgroup.com

BGES Group – The Contractor’s Insurance Specialists.