Insurance premiums for New York contractors keep climbing. Materials cost more, payroll is up, and now liability and umbrella insurance rates are taking bigger bites out of your profits. If you’ve already seen increases—or you’re worried about the next one—you need to act before renewal time sneaks up on you.

That’s where BGES Group comes in. We specialize in New York construction insurance and have been protecting contractors for over 44 years. Even if you’re happy with your current broker, it pays to have a backup general liability and umbrella liability quote—because when rates rise, the last thing you want is to be left without options.

Unlike most agencies, BGES Group operates differently. We’re not a giant corporate office where calls go unanswered or paperwork drags on for days. We’re a specialized, mom-and-pop-style agency that combines deep insurance knowledge with fast, personal service. Here’s how we stand apart:

⸻

10 Ways BGES Group Is Different From Most Agencies

1. We’re a Mom-and-Pop Operation—With Big-Agency Expertise

We give you personal service that giant agencies can’t match, while still providing access to top insurance carriers and programs.

2. We Answer Our Phones Immediately

No endless voicemail loops, no waiting days for a call back. When you call, we pick up right away.

3. We’re Available Whenever You Need Us

Emergencies don’t keep business hours, and neither do we. If you need us, you’ll get us.

4. Certificates Issued in Minutes

Contractors can’t wait hours—or days—for certificates. With BGES Group, your certificates of insurance are issued within minutes, keeping your projects moving.

5. We’re Consistently Helpful

From walking you through audits to answering tough compliance questions, we’re here to make your life easier, not harder.

6. We Don’t Have Mood Disorders

Sounds funny—but it’s true. You’ll never deal with grumpy staff who act like you’re bothering them. We treat every client with respect and positivity.

7. We’re Smart—and Street Smart

Insurance is complicated, but we know the business inside and out. Beyond book smarts, we’ve got the real-world experience that helps us navigate tricky situations for contractors.

8. We Solve Problems Fast

Big agencies shuffle you between departments. At BGES Group, one call solves it all. We cut through red tape and get things done.

9. We Care About Contractors

We understand the challenges you face because construction is our niche. To us, you’re not just a “policy number”—you’re a business owner trying to protect your company, employees, and livelihood.

10. Peace of Mind & Backup Security

Even if you stick with your current broker, having a BGES Group backup quote gives you peace of mind. If rates spike, you’ll know exactly where to turn.

⸻

Don’t Wait for Your Renewal—Act Now

Insurance rate increases are unavoidable, but overpaying isn’t. By working with BGES Group, you’ll have access to competitive general liability and umbrella liability programs designed specifically for New York contractors—backed by personal service that most agencies simply don’t provide.

📞 Contact BGES Group Today

• Gary Wallach

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: http://www.bgesgroup.com

BGES Group – New York Construction Insurance Specialists Covering NY, NJ & CT

Running a business is challenging enough without being buried in paperwork, audits, and endless insurance headaches. If you’re tired of spending time and energy on extensive workers’ compensation audits, there’s a smarter way forward. At BGES Group, we specialize in helping businesses like yours streamline coverage, reduce stress, and unlock better options for protecting your company.

We have access to programs designed to simplify your life and deliver real value. These programs provide benefits that go beyond traditional workers’ compensation insurance, giving you the freedom to focus on growing your business instead of battling red tape.

Here are 15 powerful benefits you’ll enjoy:

1. No more year-end workers’ comp audits – coverage is handled smoothly, without surprises.

2. Pay-as-you-go premium payments – based on actual payroll, not estimates.

3. Lower upfront costs – improved cash flow with reduced deposits.

4. Competitive rates – often better than traditional market pricing.

5. Broader class code availability – coverage for industries others may decline.

6. Access to better carriers – stronger, more stable insurance programs.

7. Streamlined certificate issuance – get certificates of insurance fast.

8. Reduced administrative burden – payroll and insurance tied together seamlessly.

9. Improved claims handling – faster, more professional support for injured workers.

10. Fewer compliance headaches – filings, taxes, and requirements handled.

11. Employee benefits availability – optional health, dental, and vision programs.

12. Risk management support – safety programs to help prevent accidents.

13. HR and compliance guidance – professional resources to keep you protected.

14. Flexibility as you grow – scalable solutions for small or large businesses.

15. Peace of mind – knowing your business is protected, compliant, and audit-free.

If you’ve been frustrated with workers’ comp insurance, payroll audits, or agency service, now is the time to explore smarter solutions. BGES Group has been working with businesses for more than 44 years, and our specialty is helping companies across New York, New Jersey, and Connecticut find coverage that works for them.

📞 Contact BGES Group today:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: http://www.bgesgroup.com

Don’t let workers’ comp audits drain your time and energy. Let BGES Group show you a better way.

In the fast-paced and high-risk world of construction, insurance is not just another business expense—it’s the foundation of protection for every contractor. From liability insurance for contractors to business auto insurance and workers’ compensation, New York contractors face unique challenges that most generalist insurance agencies simply don’t understand.

That’s why more and more contractors are turning to BGES Group, the premier construction insurance agency in New York, New Jersey, and Connecticut. With deep expertise, fast service, and customized solutions, BGES Group is helping contractors stay compliant, reduce risk, and save money—while giving them peace of mind.

Here are 10 powerful reasons why BGES Group is the top choice for New York contractor insurance and why contractors are switching to us every day.

⸻

1. Exclusive Focus on Construction Insurance

Unlike most agencies, BGES Group is laser-focused on the construction industry. Our entire business is built around helping contractors navigate New York contractor insurance requirements. Whether you need general liability, workers’ compensation, or umbrella coverage, we design policies that withstand the toughest contract and regulatory demands.

⸻

2. Expertise in Liability Insurance for Contractors

New York’s construction liability environment is complex and unforgiving. BGES Group ensures you have the right liability insurance for contractors, including coverage for additional insureds, completed operations, and contractual risk transfer. This level of precision protects your projects, your clients, and your bottom line.

⸻

3. Workers’ Compensation Specialists

No area causes more headaches for contractors than workers’ comp. BGES Group is a recognized workers’ compensation specialist for New York contractors. We know how to properly classify employees, manage your experience mod, and control your premiums—saving contractors tens of thousands each year while keeping workers fully protected.

⸻

4. Personal, Hands-On Service

With large national agencies, you’re just an account number. At BGES Group, you work with experts who know construction inside and out. When you need answers, you get them fast. Contractors love the fact that they’re working with a true partner who treats their business as a top priority.

⸻

5. Protection Against Labor Law Risks

New York contractors face extreme exposure under Labor Law 240/241, also known as the Scaffold Law. BGES Group designs insurance programs that address these unique risks—something many agencies overlook. When it comes to construction liability insurance in New York, this expertise is critical.

6. Strong Carrier Relationships

Because we specialize in construction, we’ve built long-term partnerships with insurance carriers who understand contractor risks. BGES Group uses these relationships to negotiate stronger coverage and competitive rates for our clients—access that generalist agencies often can’t deliver.

⸻

7. Fast Certificates of Insurance

Every contractor knows that certificates of insurance can make or break a job. Delays cost money and credibility. BGES Group turns around certificates quickly—often within minutes—keeping your projects moving and your clients happy.

⸻

8. Contract Review Services

Many contractors unknowingly agree to insurance requirements they can’t meet. BGES Group provides contract review support, ensuring you’re not signing agreements that expose you to uninsured risks. This proactive service protects your business long before a claim ever occurs.

⸻

9. Commitment to Cost Savings

Insurance is one of the biggest expenses for contractors. BGES Group actively works to control your costs by marketing your account to the best carriers, correcting classifications, and providing workers’ comp and liability cost-saving strategies. Contractors consistently report major savings when switching to us.

⸻

10. Trusted Long-Term Partner

BGES Group isn’t just a broker—we’re a partner. Our clients stay with us for years because they know we fight for them on pricing, claims, and contract negotiations. When it comes to construction insurance for New York contractors, we’re the agency you can trust for the long haul.

⸻

Why Contractors Choose BGES Group

Contractors across New York, New Jersey, and Connecticut need more than just policies—they need an agency that understands the realities of their industry. BGES Group delivers:

• Specialized New York contractor insurance programs

• Tailored workers’ compensation insurance for contractors

• Comprehensive business auto insurance for contractors

• Expert guidance on liability, umbrella, and excess coverage

• Fast, personal service that keeps projects moving

⸻

About BGES Group

BGES Group is a specialized construction insurance agency serving New York, New Jersey, and Connecticut. We provide contractors with comprehensive solutions in:

• General Liability Insurance

• Workers’ Compensation Insurance

• Business Auto Insurance

• Umbrella/Excess Liability Insurance

• Builders Risk & Other Contractor Coverages

Our mission is to protect contractors against the unique risks of construction while helping them save money and stay competitive.

⸻

Contact BGES Group Today

Don’t risk working with an agency that doesn’t fully understand construction. Partner with the specialists who know how to protect your business.

📞 Contact: Gary Wallach

📱 Phone: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

⸻

Final Word

Insurance can make or break a contractor’s business. That’s why more New York contractors are choosing BGES Group—the construction insurance specialists who combine unmatched expertise, aggressive advocacy, and fast personal service. If you’re a contractor looking for liability insurance, workers’ comp, or business auto insurance, BGES Group is the partner you’ve been searching for.

If you’re a contractor working in New York, you already know that the state’s Labor Law Sections 240, 241, and 200 are some of the toughest in the country. These laws often put full responsibility for worker safety on general contractors and property owners—sometimes even when you aren’t directly at fault. One slip, fall, or accident on your jobsite could mean a lawsuit that threatens your business, your reputation, and your livelihood.

But the good news is this: there are proactive steps you can take to minimize your exposure and protect your company. Below, we’ll outline 10 suggestions to help you shield your business from a Labor Law lawsuit. Then, we’ll show you how BGES Group—New York construction insurance specialists—can give you the coverage, advice, and protection you need.

⸻

1. Carry the Right Construction Liability Coverage

The first line of defense against any lawsuit is proper insurance. Many contractors underestimate how much protection they need. At minimum, you should have a robust construction liability coverage policy that includes defense for Labor Law claims. If your coverage isn’t written correctly, you could be left paying out of pocket. Always work with an insurance agency that understands the unique risks of New York construction.

⸻

2. Require Strong Contracts With Subcontractors

Every subcontractor you hire should sign a contract that clearly outlines their responsibilities, safety obligations, and insurance requirements. These agreements should include:

• Hold harmless and indemnification clauses

• Additional insured endorsements in your favor

• Waivers of subrogation

Without tight contracts, you may end up holding the bag for a subcontractor’s negligence.

⸻

3. Verify Subcontractor Insurance

Don’t just take their word for it—require certificates of insurance and review them carefully. Make sure policies include the right endorsements, and confirm coverage is active before allowing subs on your jobsite. It’s also wise to periodically re-check coverage during longer projects.

⸻

4. Prioritize Jobsite Safety Training

Even the best insurance won’t help you avoid lawsuits if your crews are unsafe. OSHA-compliant safety training is critical, particularly in areas like fall protection, scaffold use, ladder safety, and equipment handling. Regular toolbox talks and mandatory training refreshers can dramatically reduce accident risks.

⸻

5. Use Site Safety Plans and Pre-Planning Meetings

Before any project begins, create a detailed site safety plan. Hold pre-planning meetings with your foremen, subcontractors, and project managers. Walk through the hazards, review protective measures, and assign responsibilities. Document everything—because if you ever face a labor law lawsuit defense, these records can help show you took all reasonable precautions.

⸻

6. Enforce Strict Fall Protection Rules

Falls from heights are at the core of most Labor Law 240 cases. Always ensure guardrails, safety nets, and personal fall arrest systems are used properly. Enforce a zero-tolerance policy for violations—because one slip-up could cost you millions.

⸻

7. Document, Document, Document

In the world of New York Labor Law, documentation is your best friend. Keep daily logs, incident reports, subcontractor agreements, safety meeting notes, and photographs of your jobsite. If a claim arises, these records can mean the difference between dismissal and a costly payout.

⸻

8. Hire a Site Safety Manager on Riskier Jobs

For large or complex projects, bringing in a dedicated site safety manager is a wise investment. Not only does it reduce risk, but it also demonstrates that you took safety seriously if a lawsuit arises.

⸻

9. Stay Updated on Legal Changes

New York construction laws evolve constantly. Make sure you stay up to date on changes to Labor Law interpretations, OSHA regulations, and insurance requirements. Attending industry seminars or working closely with a knowledgeable insurance broker can keep you ahead of the curve.

⸻

10. Work With a Specialist in Contractor Risk Management

Not all insurance agents are created equal. Many don’t understand the nuances of contractor risk management in New York. You need a partner who knows how Labor Law lawsuits work, what coverages protect you, and how to negotiate favorable terms with carriers. That’s where BGES Group comes in.

⸻

Why Choose BGES Group?

At BGES Group, we don’t just sell policies—we protect businesses. We are New York construction insurance specialists with decades of experience helping contractors, subcontractors, and business owners manage risk and defend against Labor Law lawsuits.

We specialize in:

• Workers compensation insurance for all industries

• General liability tailored for New York contractors

• Umbrella and excess liability coverage that actually responds to Labor Law claims

• Hands-on risk management to reduce accidents and claims

Our team understands the unique challenges you face, and we fight to get you the best coverage at competitive rates. More importantly, we stand by your side when claims arise.

⸻

Final Thoughts

Labor Law lawsuits can be devastating—but they don’t have to destroy your business. By following these 10 suggestions—from improving contracts to enforcing safety, documenting everything, and carrying the right New York contractors insurance—you can significantly reduce your risk.

And when it comes to insurance, don’t settle for a generalist. Partner with experts who live and breathe New York construction. Partner with BGES Group.

⸻

Contact BGES Group

If you want to protect your business, secure stronger coverage, or simply get a second opinion on your policies, reach out today:

BGES Group

New York Construction Insurance Specialists

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐

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.

---

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.

---

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

⸻

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.

---

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.

---

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.

---

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.

---

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.

---

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.

---

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.

---

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.

---

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.

---

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.

---

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

---

✅ 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.

⸻

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.

⸻

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.

⸻

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.”

⸻

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.

⸻

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.