For contractors in the tri-state area, workers compensation is more than just a legal requirement—it’s a major factor in profitability. Rising premiums, frustrating audits, and poor claim handling can quickly erode your bottom line. The good news? There’s a powerful alternative available that gives you better control over costs, improves cash flow, and delivers top-tier service—all without the headaches of a traditional workers comp policy.

This innovative workers compensation program has been changing the game for contractors just like you. It’s designed to be flexible, contractor-friendly, and focused on keeping your costs down while providing excellent protection for your employees.

Program Highlights

• Big Savings – Many contractors save money immediately compared to their current carrier.
• Coverage Stability – Designed to keep you protected long-term, with fewer premium swings.
• Multi-State Coverage – Perfect if you operate in more than one state or are planning to expand.
• Pay-As-You-Go – Premiums are based on actual payroll, which helps when business slows down and eliminates large surprise bills.
• First-Class Services – Fast certificates, easy policy management, and personal attention.
• Responsive Broker Support – You always have someone to talk to—seven days a week—without waiting on hold.
• Excellent Claim Services – Focused on getting injured employees back to work quickly and fairly.
• Simplified Audits – In many cases, annual audits are eliminated or made much easier.

Contractors who switch to this program often see immediate financial benefits, along with fewer administrative headaches and better overall claims outcomes.

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Why Work with BGES Group

At BGES Group, we do one thing exceptionally well—workers compensation for contractors. We know the challenges you face and have built our reputation on finding the right solutions for construction businesses across New York, New Jersey, and Connecticut.

Here’s why contractors choose us:

• We specialize in workers compensation, so you get expert advice—not a generalist.
• We work with the most competitive programs available and customize coverage to your trade.
• We personally handle certificates, policy questions, and claims issues—no call centers.
• We’re available Monday through Sunday, so you always have someone to call when you need help.

When you work with BGES Group, you get more than a policy—you get a partner who will fight to keep your premiums low, get claims closed quickly, and make sure your business stays protected.

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Contact BGES Group Today

If you’re ready to explore a smarter workers compensation solution, we’re ready to help.

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

Stop overpaying and start protecting your business the right way. Contact BGES Group today and see the difference for yourself.

The construction world in 2026 is more competitive than ever. New technologies, tighter regulations, labor shortages, and evolving client demands are changing the game. Contractors who want to thrive must go beyond simply building projects—they must also build trust, protect their businesses, and operate strategically.

That’s why we’ve laid out The 10 Commandments for Contractor Success in 2026. These principles are timeless yet adapted for today’s challenges. Follow them, and you’ll be set apart from the competition.

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Commandment 1: Thou Shalt Prioritize Safety Above All Else

Safety isn’t just about compliance—it’s about people. Every contractor knows accidents can shut down projects, increase insurance premiums, and ruin reputations. Make safety training a cornerstone of your business. Hold toolbox talks, invest in protective equipment, and establish a culture where safety is non-negotiable.

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Commandment 2: Thou Shalt Build Strong Relationships

Your reputation is your currency. In 2026, with clients having more options than ever, word-of-mouth remains powerful. Treat every client, subcontractor, and supplier as a long-term partner. Strong relationships win repeat business and referrals.

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Commandment 3: Thou Shalt Embrace Technology

From project management apps to AI-powered estimating tools, technology is reshaping construction. Contractors who adopt tools for scheduling, bidding, and communication gain efficiency and reduce costly mistakes. Embracing tech isn’t optional—it’s survival.

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Commandment 4: Thou Shalt Master Financial Discipline

Cash flow is the lifeblood of every contracting business. Track expenses carefully, bill promptly, and negotiate fair payment terms. In 2026, with rising material costs and unpredictable markets, financial discipline ensures you can weather downturns without panic.

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Commandment 5: Thou Shalt Hire and Retain Skilled Talent

Labor shortages continue to be one of the biggest challenges in construction. Contractors who treat employees fairly, offer training, and create a positive work environment will retain top talent. Invest in your crew, and they’ll invest in your business.

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Commandment 6: Thou Shalt Deliver Quality Work Without Compromise

Cutting corners may save a few dollars now, but it will cost dearly later. Contractors live and die by their workmanship. In an era of online reviews and public scrutiny, delivering high-quality work every time is a must.

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Commandment 7: Thou Shalt Stay Compliant with Regulations

From OSHA to state labor laws to local building codes, compliance is not optional. Violations mean fines, lawsuits, and project delays. In 2026, expect even more oversight in areas like environmental standards and worker classification. Stay proactive and informed.

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Commandment 8: Thou Shalt Communicate Clearly and Often

Miscommunication is the root of most project conflicts. Use written contracts, keep clients updated, and make sure everyone—subcontractors, suppliers, inspectors—knows what’s expected. The more transparent you are, the fewer surprises down the road.

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Commandment 9: Thou Shalt Review Insurance Coverages with BGES Group

One of the smartest moves a contractor can make is reviewing liability and workers’ compensation insurance before renewal. Construction is high-risk, and the wrong coverage can devastate your business.

That’s where BGES Group comes in. We specialize in working with contractors across New York, New Jersey, and Connecticut, helping them understand what coverage they have—and what coverage they truly need. We don’t just sell policies; we provide solutions that protect your business, employees, and livelihood.

Our team has decades of experience in the construction insurance space. We understand certificates of insurance, additional insured endorsements, waiver of subrogation requirements, and the unique challenges contractors face. Whether you’re a general contractor juggling multiple subs or a specialty contractor working directly with homeowners, we’ll make sure your insurance program is solid and compliant.

By making BGES Group part of your annual renewal process, you’ll gain peace of mind and the ability to focus on what you do best—building.

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Commandment 10: Thou Shalt Always Plan for the Future

The most successful contractors don’t just think about today’s job—they plan for tomorrow’s growth. Whether it’s expanding into new markets, diversifying services, or building succession plans, the future must always be on your radar. Set goals, revisit them often, and take steps every day to move forward.

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Why BGES Group is the Contractor’s Choice

At BGES Group, we’ve built our reputation by serving contractors like you. We know the pressures of deadlines, the complexity of contracts, and the risks you face every time your crew steps onto a jobsite. That’s why we’ve made it our mission to provide contractors in New York, New Jersey, and Connecticut with tailored insurance solutions that work.

Here’s what sets us apart:

• Specialization – We focus on construction insurance. From workers’ comp to general liability, we know the policies inside and out.

• Personal Service – No 1-800 call center runaround. When you call BGES Group, you speak with someone who knows your business.

• Proactive Approach – We don’t wait for problems to happen. We review your policies regularly, ensure compliance with contractual requirements, and look ahead to potential risks.

• Trust & Experience – With years in the industry, we’ve seen it all. Our clients stay with us because they know we’ve got their back.

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Contact BGES Group

Ready to make sure your business is properly protected? We’d love to talk.

📞 Call: Gary Wallach – 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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Final Word

The contracting business is tough—but it’s also rewarding for those who master it. By following these 10 Commandments for Contractor Success in 2026, you’ll be positioned to not only survive but thrive. And remember, when it comes to protecting your business with the right insurance, BGES Group is your trusted partner.

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

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

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1. Buy in Bulk

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

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

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2. Develop Strong Supplier Relationships

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

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

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3. Compare Prices and Negotiate

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

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

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4. Purchase Used or Refurbished Equipment

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

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

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5. Rent Instead of Buying

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

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

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6. Time Your Purchases

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

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

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7. Reuse and Recycle Materials

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

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

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8. Standardize Materials Across Projects

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

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

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9. Invest in Training and Maintenance

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

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

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10. Leverage Construction Technology

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

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

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

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

That’s where BGES Group makes the difference.

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

Contractors who work with BGES Group benefit from:

• Lower insurance premiums tailored to contractors’ needs

• Better coverage for construction projects and crews

• Personalized service from specialists who understand contractor risks

• Fast, responsive support when problems arise

• Peace of mind knowing your business is fully protected

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

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Contact BGES Group Today

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

BGES Group – Contractor Insurance Specialists

🌐 Website: http://www.bgesgroup.com

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

📧 Email: bgesgroup@gmail.com

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

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

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

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What is the NYCPAP Program?

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

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

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What’s Changing in 2025

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

Here’s how the new system works:

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

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Real-World Wage Threshold Examples

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

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

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

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What Contractors Should Do Now

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

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

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How BGES Group Helps Contractors

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

Here’s what we do for you:

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

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Why Choose BGES Group

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

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

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Get Started Today

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

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

Website: www.bgesgroup.com

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

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

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Two Big Things You Need to Know

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

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

Here’s what the endorsement does:

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

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

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

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

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

Without proper coverage, you face two serious risks:

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

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

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

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

Here’s why MSC is worth considering:

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

Requirements for MSC Eligibility:

To participate, your business must:

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

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How BGES Group Can Help You

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

Who We Are

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

What We Do for You

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

Contact BGES Group Today

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

Gary Wallach at 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

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

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

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

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

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Why BGES Group Is the Go-To Workers Compensation Specialist

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

Here’s what sets us apart:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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What Business Owners Say About BGES Group

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

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

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

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

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

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

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The Bottom Line for Tri-State Business Owners

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

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

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Contact BGES Group Today

📍 BGES Group

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

📞 Call: Gary Wallach at 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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

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

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

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

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

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

2. Certificates of Insurance Issued Fast

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

3. Access to Top Construction Insurance Programs

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

4. Expertise in the Toughest Markets

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

5. Tailored Policies – No Cookie Cutter Coverage

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

6. Advocacy at Claim Time

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

7. Transparent and Honest Advice

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

8. Family-Style Service

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

9. Proven Track Record

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

10. Competitive Pricing Without Cutting Corners

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

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What Contractors Are Saying: 5 Google Reviews

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

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

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

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

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

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

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Why BGES Group is Different From Other Agencies

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

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

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

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

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

⸻

Contact BGES Group Today

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

📍 BGES Group

Specialists in New York Construction Insurance

🌐 Website: http://www.bgesgroup.com

📞 Contact: Gary Wallach

📱 Cell: 914-806-5853

📧 Email: bgesgroup@gmail.com

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Final Thoughts

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

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

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

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10 Common Problems BGES Group Can Solve for You

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

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

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

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

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

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

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

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

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

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

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What Our Clients Say: Real Google Reviews

⭐️⭐️⭐️⭐️⭐️

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

⭐️⭐️⭐️⭐️⭐️

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

⭐️⭐️⭐️⭐️⭐️

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

⭐️⭐️⭐️⭐️⭐️

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

⭐️⭐️⭐️⭐️⭐️

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

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Why BGES Group Is Different

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

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

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

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

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

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

⸻

Contact BGES Group Today

Stop overpaying and start getting the service you deserve.

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

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

⸻

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

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

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

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

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

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10 Reasons to Work With BGES Group

1. They Answer the Phone on the First Ring

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

2. They Market Your Account Aggressively

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

3. Certificates of Insurance Issued Immediately

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

4. Decades of Knowledge and Experience

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

5. Trustworthy Advisors

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

6. No Mood Swings or Excuses

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

7. They Specialize in New York Construction

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

8. They Fight for Claims Support

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

9. They Understand the Pressures Contractors Face

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

10. Personalized Service—Never Cookie Cutter

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

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What Contractors Are Saying

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

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

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

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

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

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

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Why Choosing the Right Insurance Partner Matters

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

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

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

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Ready to Experience the BGES Difference?

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

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

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

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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

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

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

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

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10 Reasons to Choose BGES Group for Workers’ Compensation Insurance

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

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

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

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

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Five Examples of How Businesses Can Be Helped

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

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

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

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

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

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Partner with BGES Group Today

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

Contact BGES Group today to discuss your situation:

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

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