If you’re a New York contractor, your liability and workers’ compensation renewals are coming due sometime in the next 12 months — and this year, more than ever, you need to pay attention. The insurance marketplace for construction firms has tightened dramatically. Rates are changing, underwriters are asking tougher questions, and one mistake could cost you coverage, money, or even your ability to bid jobs.

Here are 10 key things every New York contractor should know before their renewal hits — followed by why BGES Group is the right partner to guide you safely through the process.

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1. The New York Construction Market Is Still the Toughest in the Country

New York’s construction liability market is notorious — Labor Law 240 (“the Scaffold Law”) and 241(6) make claims more severe, and insurers are cautious. Many carriers have reduced their appetite or pulled out entirely. That means your current insurance company might non-renew your policy or offer a big rate increase, even with no losses.

BGES Group specializes in this environment. We know which carriers are still writing New York construction risks and how to present your account so you get the most favorable terms possible.

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2. Carriers Are Looking Closely at “Gaps” in Coverage

If you’ve gone without liability or workers’ comp for even a short period, most insurance companies will red-flag your account. They assume gaps mean you were working uninsured — a major risk factor.

If your policy has lapsed, don’t wait until renewal to fix it. BGES Group can help you reinstate or replace your policy now and prepare a written explanation for underwriters that protects your reputation.

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3. Subcontractor Management Can Make or Break Your Renewal

Insurers now demand detailed proof that you’re properly vetting and obtaining certificates from your subs. If you can’t show active subcontractor agreements, hold harmless clauses, and proof of insurance, expect your renewal premium to spike.

BGES Group can review your subcontractor agreements and certificate tracking system to ensure you’re in full compliance — helping you avoid costly penalties or coverage exclusions.

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4. Labor Law Coverage Is Not Automatically Included

Some “cheap” general liability policies in New York exclude Labor Law coverage entirely. You might think you’re saving money — until a claim hits. A single fall injury on a job site can result in a seven-figure claim, and if your policy excludes it, you’re paying out of pocket.

When BGES Group markets your coverage, we make sure your policy includes Labor Law protection, additional insured endorsements, and primary/non-contributory wording — all the things general contractors and building owners require.

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5. Certificates of Insurance Are Under More Scrutiny

Owners and general contractors are rejecting certificates that don’t have the right language. They now check endorsements and policy forms. Sending out a certificate that doesn’t match your actual policy can delay payments or get you kicked off a job.

BGES Group issues precise, contract-compliant certificates quickly — and we’ll review your policies to make sure you can actually back up what your certificate says.

6. Payroll Audits Are Causing Major Headaches

Workers’ compensation and general liability audits have become more aggressive. If you don’t track payrolls, subcontractor costs, and classifications correctly, your audit bill could skyrocket.

BGES Group helps clients prepare for audits in advance. We explain how to categorize employees properly, gather records, and avoid overpaying. We can even help you contest unfair audit results.

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7. Rates Are Rising — But Smart Contractors Can Still Save

Rates for both liability and workers’ compensation are trending upward, especially for high-risk trades like masonry, roofing, and scaffolding. But not all contractors are treated equally. Underwriters reward those who can show strong safety practices, clean loss runs, and well-written contracts.

BGES Group positions your company to get the best rate possible — not just the one your renewal carrier offers. We shop your account to multiple specialized construction markets and negotiate aggressively on your behalf.

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8. Safety and Risk Management Are Bigger Factors Than Ever

Carriers now ask detailed questions about fall protection, site supervision, and employee training. A missing safety program can result in declined coverage or higher premiums.

BGES Group provides guidance on creating or improving your written safety manual, holding pre-job meetings, and documenting training — all of which help lower risk and show underwriters that your company is serious about safety.

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9. Misclassifying Workers Can Lead to Audit Bills or Penalties

Many contractors get hit with unexpected bills because their workers were misclassified. For example, you might classify someone as a carpenter when their actual work includes roofing. That’s a big problem during audits and can cause retroactive premium increases or even policy cancellation.

BGES Group reviews your class codes, payroll records, and subcontractor agreements to make sure everything is correct before renewal — preventing nasty surprises later.

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10. Renewal Time Is the Perfect Moment to Compare Your Coverage

Too many contractors just let their policy renew automatically. That’s risky. You might be missing key endorsements, paying too much, or staying with a carrier that doesn’t truly understand New York construction exposures.

BGES Group encourages every contractor to get a second opinion. We’ll review your current policy, identify hidden gaps, and show you better alternatives — often with stronger protection for less money.

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Why Contractors Choose BGES Group

BGES Group isn’t your typical insurance agency. We are construction insurance specialists — it’s what we do every day. We know the policies, carriers, and certificates that New York, New Jersey, and Connecticut contractors need to stay compliant, competitive, and protected.

Here’s what sets us apart:

• Expertise in New York Labor Law coverage

• Fast, contract-compliant certificates

• Access to top A-rated carriers still writing New York construction risks

• Aggressive shopping to get the best pricing available

• Personalized service from people who know your business

Whether you’re a small subcontractor or a mid-sized general contractor, BGES Group has the experience and carrier relationships to protect your business and help you win more jobs.

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Don’t Wait Until Renewal — Get a Quote Now

The best time to start the renewal process is 90 to 120 days before your current policies expire. That gives you time to fix issues, collect documents, and let BGES Group negotiate on your behalf.

Don’t risk higher premiums or gaps in coverage by waiting too long. Let BGES Group go to work for you — and show you why hundreds of New York contractors trust us year after year.

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Contact BGES Group Today

BGES Group

Construction Insurance Specialists for New York, New Jersey, and Connecticut Contractors

📞 Gary Wallach: 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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Final Thought:

Renewal time shouldn’t be stressful — it should be your opportunity to strengthen your protection and save money. With BGES Group, you’ll have experts who understand the New York construction market inside and out, fighting to get you the best possible results. Don’t leave your insurance — or your business — to chance. Call BGES Group today.

When owners, risk managers and general contractors hire subcontractors, they’re not just buying labor — they’re buying peace of mind. A single site accident or an uninsured subcontractor can bring a project to a halt, cost tens (or hundreds) of thousands, and trigger hard-to-manage claims and litigation. Below is a practical guide to the insurance coverages most often requested from subcontractors on New York-area construction jobs — grouped into liability, workers’ compensation, and auto — followed by what BGES Group offers contractors in New York, New Jersey and Connecticut.

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Liability coverages (what owners and GCs typically require)

Owners and GCs want certainty that third-party bodily injury and property damage exposures are covered and that the downstream insurance will actually respond if something happens. Common requirements and endorsements include:

• Commercial General Liability (CGL)

• Standard coverage for bodily injury and property damage occurring on the job.

• Typical request: minimum limits (commonly) $1,000,000 per occurrence / $2,000,000 aggregate — but larger projects often require higher limits.

• Completed Operations & Products Liability

• Protects the GC/owner for damage or injury caused after work is completed — essential for trades whose work could cause future loss (roofs, waterproofing, mechanical, electrical, etc.).

• Additional Insured (AI) Endorsement — CG 20 10 / CG 20 37 or equivalent

• Owners and GCs will require to be named as Additional Insureds on the subcontractor’s CGL for ongoing operations and increasingly for completed operations as well.

• Often specified to be “Primary & Non-Contributory” so the subcontractor’s policy responds first without contribution from the GC/owner’s policy.

• Waiver of Subrogation

• Owners/GCs often require subcontractors to waive the insurer’s right to subrogate against them for work-related losses. This prevents the insurer from pursuing the owner/GC after paying a claim.

• Pollution Liability / Environmental

• Needed for trades that could release pollutants (painting, roofing, HVAC, fuel handling, waste removal). May be required on certain projects.

• Professional Liability (if applicable)

• For design-build or work with technical specifications (engineers, design-build trade contractors).

• Umbrella / Excess Liability

• Projects frequently require higher limits through umbrella policies (common increments: $5M, $10M) to provide an extra layer over primary CGL.

Workers’ Compensation & Employers’ Liability

Because injuries to workers create immediate exposure to owners and GCs (including stop-work orders or project delays), documentation and limits are critical.

• Statutory Workers’ Compensation

• Proof of statutory workers’ comp coverage for all employees of the subcontractor in the job state(s). In NY this is mandatory for virtually all employers.

• Employers’ Liability

• Provides protection for employee claims not covered by workers’ comp (typical limits requested: $500,000 to $1,000,000; higher exposure jobs may need more).

• Waiver of Subrogation in favor of Owner/GC

• Commonly required so the WC carrier can’t later sue the owner/GC.

• Evidence of Coverage

• Certificates of Insurance plus policy endorsements or letters from the carrier confirming coverage and any waivers.

• Statutory Filings / Certificates for Out-of-State Workers

• For multi-state projects, owners/GCs expect documentation showing proper coverage for employees working across state lines.

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Auto & Transportation Coverages

Site deliveries, equipment movement, and personnel transport create auto exposure.

• Commercial Auto Liability

• Covers owned, hired and non-owned autos used on the project. Limits commonly requested: at least $1,000,000 combined single limit on many projects.

• Hired & Non-Owned Auto Liability (HNOA)

• Essential when subcontractors use rental vehicles or employees’ personal cars for company business.

• Physical Damage / Comprehensive & Collision

• When subcontractor equipment or vehicles will be on site, owners may ask for evidence of physical damage coverage.

• Motor Truck Cargo (if applicable)

• For contractors hauling other parties’ materials.

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Certificates, Endorsements & Administrative Expectations

Beyond the bare coverages, owners and GCs typically require:

• A Certificate of Insurance (COI) naming owner/GC as Additional Insured and showing required limits.

• Endorsement copies (not just the COI) proving Additional Insured, Primary & Non-Contributory language, and Waiver of Subrogation.

• Thirty (30) day cancellation (or shorter) notice to the certificate holder — many owners ask for 10/30 day depending on contract.

• Policy review for high-risk trades or large projects — underwriters may be asked to confirm scope.

• Subcontractor safety programs, drug-testing, hot-work permits and loss-control documentation for higher-risk operations.

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Why these protections matter (brief)

When a subcontractor lacks coverage or has inadequate limits, the owner/GC can be exposed to direct financial loss, project delays, and legal fights. Properly structured insurance plus contractual indemnity language and the right endorsements protect the project team and keep work moving.

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How BGES Group helps contractors and owners

BGES Group specializes in construction and contractor insurance throughout New York, New Jersey and Connecticut. We know construction contract language and the coverages owners and GCs insist upon — and we work to bridge the gap between contractual requirements and affordable insurance solutions.

What BGES brings to the job:

• Policy placement & limit structuring — matching coverages (CGL, completed ops, WC, auto, umbrella) to contract requirements so you won’t fail a COI check.

• Certificate & endorsement issuance — fast delivery of COIs and the specific endorsements owners/GCs request (AI, primary/non-contributory, waiver of subrogation).

• Loss control & safety consulting — practical on-site risk-reduction guidance to lower premiums and improve insurability.

• Claims advocacy — when a claim occurs, BGES helps manage the process with carriers to protect the contractor’s and GC’s interests.

• Flexible options for small and large contractors — from single-trade subcontractors to larger firms needing project-specific policies and high-limit umbrella placements.

• Local experience — familiarity with New York City and regional requirements, union/regulatory nuances, and local carriers that underwrite construction risk.

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Final note + contact

If you’re a subcontractor preparing for bids or a risk manager/GC preparing project insurance requirements, getting your insurance structure right before you start work saves time and money.

For help aligning your insurance with contractual requirements or to request a quick policy review, contact:

BGES Group

Phone: Gary Wallach — 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Serving contractors across New York, New Jersey & Connecticut.

When starting any construction project—whether building a new home, renovating a property, or managing a commercial build—the foundation of a successful job isn’t just concrete and steel. It’s the construction contract. A well-drafted construction contract is the blueprint that keeps every party protected, clearly defining expectations, responsibilities, and risk allocation.

In New York, New Jersey, and Connecticut—where construction laws and liability exposures are among the toughest in the nation—having a proper contract is crucial. Below, we’ll walk you through the key elements every construction contract should include, and then introduce you to BGES Group, the construction insurance specialists who help contractors across the tri-state area protect their businesses and employees.

1. Clear Identification of the Parties Involved

Every construction contract should start by naming all parties involved—the property owner, general contractor, and any subcontractors. Include company names, business addresses, and contact information. This may sound simple, but legal disputes often arise from vague or incorrect identification.

Clearly identifying all entities ensures that if there’s ever a problem—such as nonpayment or an injury claim—there’s no confusion over who is responsible.

2. Detailed Scope of Work

The scope of work defines exactly what the contractor will (and will not) do. This section should outline materials, labor, equipment, timelines, and specific services.

Ambiguous wording such as “perform general construction work” leaves too much room for disagreement. Instead, include specific descriptions like:

• Install new framing and drywall in all interior walls
• Replace roofing with 30-year architectural shingles
• Paint all surfaces using two coats of premium-grade paint

In New York and New Jersey, where labor laws and regulations are strict, having a precise scope of work can prevent costly misunderstandings and legal issues later.

3. Project Timeline and Milestones

Construction projects often face delays. A well-written timeline helps keep everyone accountable.

Include:

• Start and completion dates
• Key milestones (foundation, framing, electrical, inspections)
• Provisions for extensions due to weather or unforeseen conditions

Setting milestones allows progress payments to be tied to specific achievements—reducing disputes over when and how much the contractor should be paid.

4. Payment Terms and Schedule

Disputes over money are among the most common causes of construction lawsuits. Your contract should specify:

• The total project cost
• Payment schedule (e.g., 30% deposit, 30% at midpoint, 40% upon completion)
• Accepted payment methods
• How change orders or additional work will be billed

In addition, clearly define retainage (the percentage withheld until project completion) and any penalties for late payments. For contractors, this section is your financial protection; for owners, it ensures accountability.

5. Change Order Procedures

Changes are inevitable in construction. Maybe the owner decides on higher-end finishes or an unexpected issue is uncovered during renovation.

Your contract should include a change order clause that explains how modifications are requested, approved, and priced.

Without this section, contractors can be stuck performing additional work without proper compensation, or owners may face unexpected bills.

6. Insurance and Risk Management Requirements

This section is critical—especially in New York, New Jersey, and Connecticut, where construction claims and lawsuits can be severe.

The contract should specify:

• Types of insurance required (General Liability, Workers’ Compensation, Umbrella, etc.)
• Minimum coverage limits
• Certificates of Insurance naming all required additional insureds
• Waiver of subrogation, primary and non-contributory wording, and completed operations coverage

If you’re a general contractor, make sure subcontractors provide proof of coverage before stepping on site. If you’re a property owner, require these documents to ensure you’re protected if an injury or accident occurs.

This is one of the most common areas where construction projects go wrong—and where BGES Group can make a huge difference.

7. Indemnification and Liability Clauses

These clauses protect one party from being held responsible for another’s negligence.

In New York, indemnification language must be carefully worded to comply with Labor Law 240/241, also known as the “Scaffold Law.” Improper wording could make a contractor assume unnecessary liability.

Contracts should clearly state which party is responsible for accidents, property damage, or third-party claims. Always have an insurance professional or attorney review this section.

8. Termination and Default Conditions

This section explains when and how either party can terminate the contract.

It should include:

• Conditions for termination (nonpayment, failure to perform, breach of terms)
• Notice requirements before termination
• Responsibilities after termination (cleanup, final payments, return of materials)

Without clear termination terms, both contractors and owners can find themselves in lengthy, expensive disputes.

9. Dispute Resolution Procedures

Even with the best contract, disagreements can happen. Including a dispute resolution clause saves time and money.

Options include:

• Mediation: A neutral party helps resolve the dispute.
• Arbitration: A faster, private process instead of court.
• Litigation: When other methods fail, disputes go to court.

For contractors, arbitration often offers the most cost-effective path to resolution. For owners, mediation can preserve working relationships.

10. Warranties and Guarantees

The contract should spell out any warranties—both for workmanship and materials.

Typical examples include:

• One-year workmanship warranty
• Manufacturer warranties for roofing, windows, or HVAC systems
  Make sure warranty terms are written clearly to avoid misunderstandings after completion.

11. Safety and Compliance Provisions

In the tri-state area, compliance with OSHA and state safety regulations is non-negotiable.

Contracts should confirm that all work will comply with:

• Local building codes
• OSHA standards
• State and municipal safety laws
  Incorporate language requiring contractors to maintain daily safety inspections, provide fall protection, and train employees properly.

Why BGES Group Is the Construction Industry’s Go-To Insurance Partner

After your contract is in place, the next step is securing the right insurance coverage—because even the best-written agreement won’t protect you from every risk. That’s where BGES Group comes in.

BGES Group specializes in construction insurance across New York, New Jersey, and Connecticut, helping contractors, builders, and property owners stay protected from costly lawsuits and jobsite claims. With decades of experience, BGES Group understands the unique exposures that come with working in the construction industry—especially under New York’s complex labor laws.

Our team provides:

• Workers’ Compensation Insurance tailored for construction firms of all sizes
• General Liability Policies that include Labor Law coverage, additional insured status, primary & non-contributory language, and waiver of subrogation
• Umbrella and Excess Liability coverage for large commercial and public projects
• Certificates of Insurance delivered fast—so you can start jobs without delay

Whether you’re a small subcontractor, general contractor, or developer, BGES Group makes sure your business is fully protected—and that your insurance aligns perfectly with your construction contract requirements.

Final Thoughts

A construction contract isn’t just paperwork—it’s your shield. It prevents misunderstandings, ensures timely payments, and minimizes liability exposure. Combine a solid contract with proper insurance from BGES Group, and you’ll have complete protection for your business and every project you undertake.

For expert help with construction insurance in New York, New Jersey, or Connecticut, contact BGES Group today:

📞 Gary Wallach – (914) 806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Running a contracting business in New York is no easy task. Between tight project deadlines, demanding clients, and constantly changing regulations, the last thing a contractor should have to worry about is whether their insurance coverage is properly handled. Yet, for many New York contractors, business insurance has become one of the most frustrating aspects of their operations.

Below are the 10 biggest complaints New York contractors have about their business insurance — and how working with a specialized, hands-on agency like BGES Group can make all the difference.

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1. Liability Insurance Rates Are Through the Roof

Contractors across New York are feeling the squeeze of skyrocketing liability insurance premiums. From general contractors to small home improvement companies, rates have jumped dramatically due to rising claim costs, stricter underwriting, and New York’s infamous Labor Law 240 (“Scaffold Law”). Many contractors feel punished for simply being in business, paying tens of thousands more per year with little explanation.

BGES Group’s Approach: We aggressively shop every renewal through top construction markets and specialty wholesalers to find fair, competitive pricing. We don’t just accept rate increases — we push back and negotiate. Our team understands the New York market better than most and works tirelessly to get you the best coverage for the best price.

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2. Too Many Exclusions — and No One Explains Them

Many contractors discover, often too late, that their policies are loaded with exclusions that gut coverage when it’s needed most. Common exclusions include residential work, subcontractor claims, roofing, or Labor Law coverage. Unfortunately, most agents fail to explain these critical details, leaving contractors exposed and unaware.

BGES Group’s Approach: We thoroughly review every policy line-by-line with our clients, pointing out any exclusions that could affect them. We explain what they mean in plain English — not insurance jargon — and explore ways to fill those gaps. Knowledge is protection, and we make sure our clients fully understand what they’re paying for.

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3. A New Account Executive Every Few Months

One of the biggest frustrations contractors express is the constant turnover within large insurance agencies. Just when you build a relationship with an account executive, they’re gone — and you’re left explaining your business all over again to someone new.

BGES Group’s Approach: We’re stable, consistent, and personal. You work directly with the same professionals year after year. You’ll never be shuffled between new faces or departments. Our clients know who they’re dealing with — and that we know their business inside and out.

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4. Brokers Don’t Fully Understand Construction Policies

Many general insurance brokers simply don’t have the construction expertise required to handle New York contractor accounts. They may not understand indemnification clauses, additional insured endorsements, or Labor Law issues — leading to costly mistakes or coverage gaps.

BGES Group’s Approach: Construction insurance is all we do. Our team has decades of experience working exclusively with New York contractors — from small artisans to large general contractors. We know the coverages, forms, and contractual obligations required to keep you properly protected.

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5. Agencies Keep “Rolling Over” Policies Without Shopping

A common complaint among contractors is that their agent simply renews the same policy year after year without checking for better options. Rates keep rising, coverage stays the same (or worse), and the contractor feels like no one is actually working for them.

BGES Group’s Approach: We never “roll over” policies. Each year, we re-market every renewal to ensure you’re getting the most competitive rates and coverage options available. We fight for our clients at every renewal — not just the first year we write the policy.

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6. Agents Are Never Available by Phone

Few things are more frustrating than calling your agent and getting voicemail after voicemail — or being told “they’re in a meeting” every time you call. Contractors are busy people who need fast answers, not delays.

BGES Group’s Approach: When you call BGES Group, you get us on the phone. We’re old-school in the best way — we believe in personal service, direct communication, and fast response. Our clients appreciate that when they call, we answer.

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7. It Takes Hours to Get a Certificate of Insurance

Certificates of insurance are a constant headache for contractors who need them quickly to start or continue work. Delays from their insurance agency can stall projects, damage relationships with general contractors, and even cost them jobs.

BGES Group’s Approach: We understand the urgency. Our clients typically receive certificates within minutes, not hours. We know your time is valuable and that delays can cost you money — so we make sure you have what you need right away.

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8. Problems Take Forever to Resolve

When an issue arises — a coverage dispute, a claim question, or a missing document — many contractors find it nearly impossible to reach the right person or get a quick resolution. Calls get routed between departments, and frustration builds.

BGES Group’s Approach: We don’t bounce you around or pass the buck. When you have a problem, we take ownership and handle it immediately. You deal directly with decision-makers who can resolve issues fast and efficiently. Our goal is simple: keep your business moving without interruptions.

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9. Agencies Have Grown Too Big and Impersonal

Many insurance agencies have merged or been bought out by larger corporations. While growth can be good, for contractors it often means losing the personal touch. What was once a close, caring relationship turns into an impersonal 1-800 experience where you’re just another account number.

BGES Group’s Approach: We may handle millions in premium, but we still operate like a mom-and-pop shop. You’re never “just a number.” We know our clients by name, understand their operations, and genuinely care about their success. We take pride in offering old-fashioned customer service with modern expertise.

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10. Feeling Like No One’s Fighting for Them

At the end of the day, many contractors feel like they’re on their own — no one is truly advocating for them when dealing with underwriters, claims adjusters, or certificate holders. They want someone who’s in their corner.

BGES Group’s Approach: We fight for our clients. Whether it’s negotiating better pricing, helping resolve a claim, or pushing back on unfair terms, we go to bat for you. Our reputation is built on standing up for contractors — and delivering real results.

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Why Contractors Choose BGES Group

BGES Group isn’t your typical insurance agency. We’re a hands-on, experienced team that knows the construction business and understands the real-world challenges New York contractors face every day.

When you call, you get us — not voicemail. When you need something, we handle it immediately. When problems arise, we solve them.

We believe in building long-term relationships, providing clear explanations, and delivering personal service that large agencies simply can’t match. Our clients trust us because we care — and because we deliver.

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Get a Partner Who Has Your Back

If you’re tired of rising premiums, poor communication, and being treated like just another policy number, it’s time to experience the BGES Group difference.

We’ll review your current policies, explain what you’re really covered for, identify savings opportunities, and ensure you’re properly protected.

Call 914-806-5853 – Gary Wallach

Email bgesgroup@gmail.com

Website: www.bgesgroup.com

In New York’s construction world, contractors face nonstop pressure — from keeping projects on time to managing rising costs and navigating complex insurance requirements. One mistake or coverage gap can cost thousands, even millions. That’s why more and more contractors are rethinking their insurance partners and turning to BGES Group, a specialist that truly understands New York’s construction industry and delivers protection that actually works.

Here are the top 10 insurance concerns New York contractors face — and how BGES Group helps them tackle each one.

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1. Skyrocketing Premiums and Limited Market Options

Over the past few years, insurance premiums for general liability, workers’ compensation, and excess liability have surged. Many carriers have tightened underwriting standards or exited the New York market altogether. Contractors are left scrambling for coverage — and some end up paying double what they did a few years ago.

How BGES Group helps:

BGES Group has deep relationships with multiple A-rated carriers that still actively write New York construction accounts. They know how to present contractors’ operations the right way to get competitive quotes where others can’t. Contractors often find that BGES Group can place coverage after several other brokers failed.

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2. Misclassification and Audit Nightmares

Many contractors discover at audit time that their policies were misclassified — resulting in surprise bills of tens of thousands of dollars. A simple coding error or failure to project payroll accurately can lead to a financial shock.

How BGES Group helps:

BGES Group reviews every classification code to make sure it reflects actual work performed. They educate clients about reporting payroll properly, ensuring there are no surprises at audit. Their proactive communication prevents the dreaded end-of-year “audit bomb.”

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3. Gaps in Additional Insured and Contractual Liability Coverage

General contractors and project owners demand specific additional insured endorsements, hold harmless wording, and waiver of subrogation clauses. If a subcontractor’s policy doesn’t match contract requirements exactly, it can lead to costly disputes or project delays.

How BGES Group helps:

BGES Group knows New York construction contracts inside and out. They make sure every endorsement — including CG 20 10, CG 20 37, and primary/noncontributory wording — is in place before the work starts. They don’t just sell a policy; they ensure it satisfies real-world contract obligations.

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4. Incomplete Completed Operations Coverage

Some contractors find out too late that their insurance doesn’t protect them for claims after a project is finished. In New York, where lawsuits can arise years after completion, this is a critical concern.

How BGES Group helps:

BGES Group ensures all policies include proper completed operations protection for the legally required duration. They also help contractors negotiate upstream agreements to make sure all required parties are covered as additional insureds on a completed operations basis. This forward-thinking approach gives long-term peace of mind.

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5. The Workers’ Compensation Crisis

Workers’ compensation remains one of the biggest headaches for New York contractors. Many have been non-renewed, classified as “high risk,” or placed into assigned-risk pools with sky-high rates.

How BGES Group helps:

BGES Group specializes in workers’ compensation — it’s one of their strongest areas. They understand the system, know how to get contractors out of assigned-risk pools, and can often secure quotes even for hard-to-place trades like roofers, framers, and scaffolders. Their expertise in this area has been a lifesaver for many businesses.

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6. Inadequate Umbrella and Excess Liability Coverage

Many contractors underestimate how much liability protection they need. With large jobsite exposures, serious injury claims, and New York’s strict Labor Law 240 (“Scaffold Law”), limits of $1 million are no longer sufficient.

How BGES Group helps:

BGES Group builds layered programs that include excess or umbrella coverage over general liability, auto, and workers’ comp. They identify cost-effective solutions that meet contractual limits — often $5 million or more — without breaking the budget. When excess markets decline, they have alternative solutions ready.

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7. Noncompliance with New York’s Labor Laws

Labor Laws 240 and 241 make contractors and property owners absolutely liable for gravity-related injuries. Many insurers avoid this exposure or add exclusions that leave contractors unprotected.

How BGES Group helps:

Because BGES Group works exclusively in the New York market, they know which carriers provide true Labor Law coverage — not watered-down versions. They review policy exclusions line by line to ensure contractors aren’t left exposed to multimillion-dollar lawsuits.

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8. Certificates of Insurance Delays

Every contractor knows the frustration of waiting days for a certificate of insurance just to get paid or start work. Many large agencies operate like factories — slow, impersonal, and overloaded.

How BGES Group helps:

BGES Group runs differently. They are hands-on, responsive, and personal. Certificates are usually issued the same day — often within hours. Contractors love that BGES Group treats their business as a priority, not a number in a corporate queue.

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9. Lack of Personalized Service and Guidance

Many contractors complain their previous agencies didn’t return calls, didn’t explain policy changes, or failed to follow through. In an industry where margins are tight and liability is massive, that lack of service can be disastrous.

How BGES Group helps:

BGES Group isn’t a “factory agency.” They take the time to understand each client’s business — its jobs, exposures, and goals. They don’t just place coverage; they act as trusted advisors. Contractors frequently say working with BGES Group feels like having an insurance department inside their company.

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10. Difficulty Getting Claims Handled Quickly and Fairly

When an accident happens, contractors need help fast. Many agencies disappear once the claim is filed, leaving clients to deal with adjusters on their own.

How BGES Group helps:

BGES Group stays involved from the first notice of loss through resolution. They help gather documentation, communicate with adjusters, and advocate for fair settlements. Their clients know they won’t be abandoned when things go wrong — BGES Group is there every step of the way.

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Why New York Contractors Are Turning to BGES Group

More and more contractors are discovering what sets BGES Group apart. They’re not a massive corporate agency where clients get passed around. They’re a specialized, highly experienced insurance team that knows New York construction inside and out.

Contractors appreciate how knowledgeable and proactive they are — always anticipating problems, negotiating better coverage, and securing policies that satisfy tough contract requirements. BGES Group’s ability to get hard-to-place accounts insured has earned them a loyal following across New York and beyond.

When a contractor says, “No one else could get me coverage,” BGES Group steps in and gets the job done. That reputation for results, integrity, and personal service is why they’re becoming one of the most trusted names in construction insurance.

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About BGES Group

BGES Group is a leading insurance specialist serving New York contractors and construction companies of all sizes. They provide comprehensive coverage solutions including general liability, workers’ compensation, excess liability, commercial auto, and more.

What makes BGES Group different is their hands-on service, deep expertise, and fast response. They take pride in helping contractors get the coverage they need — affordably and efficiently — even when others can’t.

For more information or a free consultation, contact:

📞 Gary Wallach

BGES Group

Workers’ Compensation & Construction Insurance Specialists

Phone: 914-806-5853 – Gary Wallach

Email: bgesgroup@gmail.com

Website: https://www.bgesgroup.com

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If you’re a New York contractor tired of high premiums, coverage gaps, or slow, factory-style agencies — call BGES Group. They know the challenges you face, and they know how to protect your business, profits, and future.

As 2026 approaches, New York contractors face an increasingly difficult environment—rising construction costs, stricter compliance laws, tougher insurance markets, and more demanding project owners. Whether you’re a general contractor in Manhattan or a subcontractor working in Brooklyn or Long Island, success in the coming year will require being smart, compliant, and financially protected.

This 2026 Contractor Survival Guide gives you 10 essential tips every New York construction professional needs to know to safeguard their business, control costs, and protect their reputation.

And when it comes to protecting your operation, no one knows the New York construction landscape better than BGES Group, the state’s trusted name in contractor insurance and risk management.

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1. Review and Update Your General Liability Insurance

One of the biggest threats for New York contractors in 2026 is having the wrong or incomplete general liability insurance. Lawsuits are larger, contracts are stricter, and underwriters are tightening terms.

Make sure your liability policy covers:

• Completed operations

• Subcontractor exposures

• Contractual liability requirements

BGES Group ensures your policies include essential endorsements such as:

• Blanket additional insured

• Primary and non-contributory wording

• Waiver of subrogation

• Per-project aggregate limits

A one-size-fits-all policy could leave your business financially exposed. Custom coverage is the only way to protect your company in New York’s fast-moving construction market.

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2. Prioritize Workers’ Compensation Compliance

New York has some of the strictest workers’ compensation regulations in the country. Non-compliance can lead to steep fines, audits, and disqualification from bids.

To stay compliant in 2026:

• Verify your classification codes are accurate

• Collect valid certificates of insurance from all subs

• Maintain organized payroll and job records

• Keep your Experience Modification Rating (EMR) below 1.0

BGES Group specializes in helping New York contractors manage workers’ comp audits, appeal overcharges, fix errors, and reduce claim costs. That can mean thousands of dollars in annual savings and better renewal rates.

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3. Get Ahead of Contract Risk Transfer

Construction contracts have become minefields of hidden liability. General contractors and owners increasingly push risks downstream—onto you.

Before signing, review all indemnification, insurance, and hold harmless clauses. Never assume you’re automatically covered under another party’s policy.

Survival Tip: Always request proof—get the additional insured endorsement and confirm the wording meets the contract terms. BGES Group can review your contracts to ensure your company isn’t unfairly burdened with someone else’s liability.

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4. Control Subcontractor Risk

Your subs’ insurance is your insurance problem if something goes wrong. In New York, one uninsured subcontractor can expose you to lawsuits or void your coverage.

Make sure you:

• Require valid certificates of insurance

• Match their limits to your requirements

• Track expiration dates

• Verify coverage types and endorsements

BGES Group helps contractors monitor certificates automatically, so you’re always protected and compliant.

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5. Plan for Rising Costs

Material costs, labor, and insurance premiums are all rising in 2026. Contractors that don’t adjust pricing or plan ahead risk major losses.

Protect your profits by:

• Adding escalation clauses to your contracts

• Reviewing insurance annually

• Eliminating duplicate or outdated coverages

BGES Group has access to dozens of construction-focused insurance markets, allowing you to get the best rates and coverage options—without sacrificing protection.

6. Strengthen Your Safety Programs

Safety isn’t just good ethics—it’s smart business. In New York, poor safety records mean higher premiums, lost contracts, and greater liability exposure.

Invest in:

• Regular toolbox talks and training programs

• Written safety plans (fall protection, PPE, hazard communication)

• Jobsite inspections and documentation

BGES Group helps clients design custom safety manuals, create reporting systems, and implement procedures that reduce both injuries and insurance costs.

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7. Protect Against Cyber and Fraud Risks

Digital threats are rising in the construction industry. Fake invoices, ransomware, and vendor impersonation scams are becoming common.

Protect your company by using:

• Secure email and payment systems

• Verbal verification for wire transfers

• Cyber liability insurance coverage

Even small New York contractors are targets now. Cyber protection is no longer optional.

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8. Keep Your Certificates, Licenses, and Bonds Up to Date

Expired or inaccurate paperwork can stall projects, delay payments, or violate contract terms.

Stay organized by tracking:

• Insurance certificates

• Contractor licenses

• Surety bonds and renewal dates

Clients expect professionalism, and compliance keeps your reputation strong and your cash flow steady.

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9. Build a Relationship with a Construction Insurance Specialist

Not all insurance brokers understand New York construction. Many miss crucial coverage gaps or misclassify your operations.

BGES Group has been protecting New York contractors for over 44 years. From small subs to large general contractors, we know how to negotiate with underwriters, manage claims, and fix the coverage mistakes that others overlook.

We’re not just your broker—we’re your partner in protection.

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10. Don’t Wait Until Renewal to Act

The worst time to fix your insurance is right before renewal. Start preparing 60–90 days in advance so your broker can:

• Review your losses

• Correct errors

• Market your account to multiple carriers

Proactive contractors get better pricing, stronger coverage, and fewer renewal headaches. Waiting too long can cost you thousands.

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How BGES Group Helps New York Contractors Survive and Succeed

At BGES Group, we specialize in New York construction insurance, including:

• General liability

• Workers’ compensation

• Commercial auto

• Umbrella/excess liability

• Bonding

We understand the challenges New York contractors face—tight bid margins, strict jobsite rules, contract traps, and constant pressure to stay compliant.

Our team helps you:

✅ Get coverage when others can’t

✅ Fix workers’ comp classification errors

✅ Handle audits and disputes

✅ Review and negotiate contracts

✅ Stay compliant with New York Labor Law 240/241

✅ Lower costs while improving protection

Whether you operate in Manhattan, Brooklyn, Queens, the Bronx, Long Island, or Upstate New York, BGES Group has the knowledge and insurance carrier relationships to help you succeed.

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About BGES Group

BGES Group is a trusted insurance and risk management firm specializing in New York construction insurance and workers’ compensation programs. With over three decades of experience, we provide expert guidance, custom coverage, and hands-on service that big national brokers can’t match.

📍 Website: https://www.bgesgroup.com

📧 Email: bgesgroup@gmail.com

📞 Call Gary Wallach: 914-806-5853

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Final Word

The 2026 New York construction market will reward the contractors who plan ahead, manage risk, and align with experts who truly understand the industry. Don’t wait for a claim, audit, or lawsuit to find your weaknesses.

Let BGES Group help you stay protected, compliant, and profitable all year long.

Running a construction or home improvement business in New York is rewarding—but it’s also one of the toughest environments in the country when it comes to business insurance. Between New York’s strict Labor Law, heavy regulation, and frequent audits, contractors face more exposure than almost anywhere else in the U.S.

Whether you’re a home improvement contractor, general contractor, or specialty trade, the right home improvement business insurance can mean the difference between success and financial disaster. Let’s take a closer look at what you need to know, how to find the cheapest general contractor insurance, and why working with a specialized brokerage like BGES Group can make your life much easier.

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Why Every New York Contractor Needs Strong Business Insurance

If you work construction in New York, you already know the risks. From property damage and injuries to contractual disputes and Labor Law claims, you’re operating in one of the most litigious states in America.

New York’s Labor Law 240 and 241—often called the “Scaffold Laws”—can make contractors liable for injuries even if they aren’t directly at fault. This unique legal landscape makes general contractor insurance NY policies more complex and expensive than in most other states.

Insurance protects you from lawsuits, helps you qualify for better projects, and gives property owners and developers confidence that your company is financially sound. Without proper coverage, you can lose bids, get disqualified from jobs, or even face bankruptcy after a single serious claim.

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Understanding the Core Policies Every Contractor Should Have

To properly protect your business, here are the main types of coverage you’ll need:

1. General Liability Insurance

This is the foundation of your insurance program. It covers property damage, bodily injury, and completed operations claims. Finding the best liability insurance for contractors means balancing cost, limits, and exclusions.

In New York, many carriers exclude “Labor Law” coverage or subcontractor work, which can leave huge gaps. BGES Group specializes in finding policies that still provide protection under New York’s tough laws.

2. Workers’ Compensation Insurance

New York State requires all employers with employees to carry workers’ comp. But beware—NYSIF (New York State Insurance Fund) audits can be aggressive. If your payroll records, 1099 documentation, or certificates of insurance aren’t in order, you could face huge back charges.

BGES Group helps contractors stay organized and avoid audit nightmares.

3. Commercial Auto Insurance

If your business owns or leases vehicles, you need commercial auto coverage. Many contractors overlook this, but personal auto policies almost never cover work use or employees driving company vehicles.

4. Umbrella / Excess Liability

Labor Law lawsuits in New York can easily reach seven figures. Excess liability (or umbrella) insurance provides an extra layer of protection above your general liability and auto policies.

5. Inland Marine / Equipment Coverage

Protect your tools, machinery, and materials in transit or on job sites. This is a must for contractors moving between projects.

6. Contractor’s Pollution, Professional, and Builders Risk

Depending on your trade, you may need more specialized coverage. For example, design-build contractors often need professional liability, while those working on renovation projects may require builders risk or pollution insurance.

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How to Find the Cheapest General Contractor Insurance

Let’s be honest: in New York, “cheap” and “contractor insurance” rarely go hand-in-hand. But with the right strategy, you can still control costs without sacrificing protection.

Here are five practical tips:

1. Work with a Broker Who Specializes in New York Contractors
   Most insurance brokers don’t fully understand the unique Labor Law environment or which carriers will even write NY risks. BGES Group does. We’ve spent decades helping New York contractors secure affordable, compliant coverage.
2. Keep Subcontractor Documentation Up to Date
   If you use subs, make sure you collect certificates of insurance, contracts, and hold-harmless agreements. Carriers charge more—or deny coverage—if you can’t prove your subs carry proper insurance.
3. Classify Your Work Correctly
   A misclassified contractor can pay thousands more per year. For example, interior carpentry might be cheaper than exterior work or structural framing. BGES Group reviews your operations to ensure you’re coded correctly for the lowest possible rate.
4. Bundle Policies with One Carrier
   Placing your general liability, auto, and umbrella with the same insurer often leads to package discounts.
5. Maintain a Clean Loss History
   Carriers heavily weigh your claim history. Implementing site safety programs and training can help you qualify for better pricing and broader coverage.

If you follow these steps, you’ll be well on your way to securing the cheapest general contractor insurance available for your type of work.

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Why BGES Group Is Different

At BGES Group, we don’t take a one-size-fits-all approach. We specialize in helping New York contractors—including general contractors, home improvement contractors, and specialty trades—navigate one of the most challenging insurance markets in the nation.

Here’s what sets us apart:

• Expertise in New York Labor Law Risks
  Many brokers outside New York simply don’t understand how unique and complex this market is. We do. We know which carriers are still writing contractor business and which policies provide true Labor Law protection.
• Access to Specialized Programs
  BGES Group has relationships with wholesalers and carriers that other agencies can’t access. This allows us to find competitive pricing for both small home improvement contractors and large general contractors.
• Personalized, Hands-On Service
  You won’t get passed around from one department to another. You’ll have direct access to experienced professionals who handle your account from start to finish. We’re known for our responsiveness, problem-solving, and advocacy.
• Audit and Certificate Support
  We assist our clients during audits to help prevent overcharges, and we provide fast turnaround on insurance certificates so you can get on jobs quickly.
• Renewal and Claims Assistance
  When it’s time to renew, we review your policies, payroll, and exposures to keep your premiums as low as possible. If you have a claim, we work directly with the carrier to help resolve it quickly and fairly.

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The BGES Group Advantage

When you work with BGES Group, you’re not just buying insurance—you’re gaining a long-term partner that understands the construction industry inside and out. Our team helps you:

• Get compliant coverage for city, state, or private projects
• Avoid costly audit surprises
• Navigate confusing policy exclusions
• Secure home improvement business insurance that meets contract requirements
• Find the best liability insurance for contractors at a fair price
• Access programs designed for general contractor insurance NY clients

We’ve helped hundreds of contractors stay protected, bid confidently, and grow their businesses safely.

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Ready to Protect Your Business?

If you’re a contractor, remodeler, or builder operating anywhere in New York—Manhattan, Brooklyn, Queens, the Bronx, Staten Island, Long Island, or upstate—now’s the time to make sure your insurance program is solid and affordable.

Don’t risk your company’s future by cutting corners on coverage or dealing with brokers who don’t understand New York’s construction insurance market.

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Contact BGES Group Today

BGES Group – Specialists in New York Contractor Insurance
📞 Phone: (914) 806-5853 – Gary Wallach
📧 Email: info@bgesgroup.com
🌐 Website: www.bgesgroup.com

Whether you need home improvement business insurance, help finding the cheapest general contractor insurance, or want advice on the best liability insurance for contractors, we’re here to make the process simple, transparent, and cost-effective.

Let BGES Group protect your business—so you can focus on building New York.

Keywords: New York contractor insurance, construction insurance specialists, general liability insurance NY contractors, workers compensation NY contractors, excess liability coverage, BGES Group

Running a contracting business in New York is no easy job. Between complex insurance laws, tight deadlines, and constant jobsite risks, one uncovered claim can destroy your business overnight. That’s why understanding the top five insurance concerns for New York contractors is absolutely critical.

At BGES Group (https://www.bgesgroup.com), we specialize in New York construction insurance, helping contractors secure affordable, rock-solid protection that meets job requirements and protects your business from catastrophic losses.

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1. General Liability Insurance Gaps That Could Destroy Your Business

Every contractor in New York needs general liability insurance, but not all policies are created equal. Many are full of exclusions that can leave you dangerously exposed when a claim happens.

Common Problems Hidden in Contractor Liability Policies

• Residential exclusions that eliminate coverage for apartment, condo, or home projects.

• Labor Law (Action-Over) exclusions that remove protection for worker injury lawsuits under New York Labor Law 240/241.

• Subcontractor exclusions that leave you paying for someone else’s mistakes.

At BGES Group, we review your general liability policy line by line, identifying gaps most brokers overlook. We then place you with top carriers that provide comprehensive coverage, including:

✅ Completed operations

✅ Subcontractor work

✅ No Labor Law exclusions

We ensure your policy meets every New York construction insurance requirement so you’re protected and contract-ready.

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2. Workers’ Compensation for New York Contractors — Controlling Costs and Staying Compliant

Workers’ compensation is one of the largest expenses for New York contractors — and one of the most misunderstood. Between audits, experience mods, and employee classification rules, it’s easy to overpay or fall out of compliance.

How BGES Group Helps:

• Properly classifies employees to prevent overcharges.

• Implements certificate tracking for all subcontractors.

• Connects you with competitive pay-as-you-go workers’ compensation programs.

• Helps you lower your experience modification factor (mod) to reduce premiums.

We also make sure your policy meets all New York State Workers’ Compensation Board requirements, keeping you fully compliant and penalty-free.

If you need help with workers’ compensation insurance for contractors in New York, BGES Group delivers expert solutions that save money and protect your business.

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3. The Rising Demand for Excess Liability and Umbrella Coverage

Construction contracts are changing — most general contractors and property owners now require $5–10 million in total liability coverage. Without excess liability or umbrella coverage, you can’t even bid on many jobs.

However, due to New York’s Scaffold Law (Labor Law 240), many insurers no longer write excess policies for contractors.

At BGES Group, our long-term relationships with specialized carriers allow us to help contractors secure the excess liability coverage they need at the most competitive rates possible.

We know which carriers are still writing construction excess, which ones will decline, and how to structure your limits to satisfy contract requirements — all while staying affordable.

If you want to stay competitive in the New York construction market, excess liability coverage is no longer optional — and BGES Group can help you get it.

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4. Additional Insured Requirements and Contractual Risk Transfer

Most contracts in New York require you to name the general contractor, property owner, and sometimes others as additional insureds. If your insurance doesn’t do this properly, you could be held responsible for another party’s lawsuit.

BGES Group Protects You By:

• Reviewing contracts before you sign to ensure compliance.

• Making sure your policy includes both ongoing and completed operations coverage for additional insureds.

• Helping you create hold harmless and indemnification agreements that transfer risk away from your company.

This is one of the most overlooked areas of construction insurance — and it’s where BGES Group’s expertise can save you from serious legal and financial trouble down the road.

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5. New and Emerging Risks: Cyber, Fraud, and Certificate Management

Today’s construction industry faces more than just jobsite hazards. Cyberattacks, fake certificates, and internal fraud are growing threats that can devastate your business.

BGES Group Helps You Protect Against These Hidden Risks:

• Certificate tracking systems to ensure every subcontractor’s insurance is valid.

• Cyber liability insurance to protect against ransomware, data breaches, and email fraud.

• Employment Practices Liability Insurance (EPLI) for protection against employee-related lawsuits.

• Business Owners Policies (BOPs) that combine property, liability, and crime protection in one plan.

These coverages aren’t optional anymore — they’re essential to running a secure and professional contracting business in New York.

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Why New York Contractors Choose BGES Group

With over 44 years of experience, BGES Group (https://www.bgesgroup.com) is one of the most trusted names in New York construction insurance.

We work exclusively with construction businesses, including:

• General contractors

• Subcontractors (carpentry, masonry, drywall, roofing, HVAC, plumbing, electrical, etc.)

• Developers and construction managers

• Maintenance and repair contractors

Our Specialized Insurance Services Include:

• General Liability Insurance

• Workers’ Compensation

• Excess & Umbrella Liability

• Commercial Auto

• Tools & Equipment Coverage

• Bonds and Surety

• Contract Review & Risk Management

We don’t just sell policies — we protect your business, ensure compliance, and help you grow safely and profitably.

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Final Thoughts: Don’t Let Insurance Mistakes Cost You Everything

For New York contractors, insurance isn’t just a legal requirement — it’s your business’s safety net. The wrong coverage or broker can cost you millions when a claim hits.

At BGES Group, we help you avoid those costly mistakes by designing insurance programs that truly protect your business from every angle.

When it comes to New York construction insurance, no one understands your needs better than BGES Group.

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Contact BGES Group — New York’s Construction Insurance Specialists

📞 Gary Wallach, Construction Insurance Specialist

📧 bgesgroup@gmail.com

📱 914-806-5853

🌐 https://www.bgesgroup.com

BGES Group – Protecting New York Contractors for Over 44 Years.

Get the right coverage. Eliminate your risks. Build with confidence.

When you’re a contractor in New York, you know every day brings new challenges — tight deadlines, demanding clients, and complex job sites. But one of the biggest traps many contractors fall into is trusting that their insurance company is working in their best interest. The truth? Many insurance companies hide behind fine print, confusing policies, and high premiums — keeping you in the dark about how much protection you really have (or don’t).

Here are 10 secrets contractors’ insurance companies don’t want you to know — and the one best secret that can save your business and thousands of dollars.

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1. Your Policy May Not Actually Cover You on a Construction Site

Many general liability policies written for “contractors” aren’t true construction policies. They may exclude critical coverages for subcontracted work, operations above certain heights, or even exclude coverage for residential projects — the very jobs most small contractors do. If your insurer doesn’t specialize in construction, you may not be covered when you need it most.

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2. Labor Law Claims Can Destroy You — and Most Insurers Exclude Them

New York’s Labor Law 240 and 241 make contractors and property owners strictly liable for worker injuries. A single claim can cost millions. The dirty secret? Many insurance companies exclude Labor Law coverage altogether. You think you’re covered — until you’re not. The right policy must specifically include coverage for these laws.

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3. Certificates of Insurance Don’t Guarantee Coverage

Contractors often assume a certificate of insurance (COI) proves they’re protected or compliant. Wrong. A COI is not a legal contract. It’s just a piece of paper showing that coverage might exist. If the policy itself contains exclusions or lapses, that certificate is worthless in a claim or lawsuit.

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4. Subcontractors Can Void Your Coverage

If one of your subs doesn’t carry their own insurance — or if their policy lapses — your insurance company can deny claims or charge you massive back premiums. You need a policy that helps you manage and protect against uninsured subs, and an agency that audits these details for you before renewal.

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5. Many “Cheap” Policies Are Cheap for a Reason

Low premiums often mean missing coverages. Some policies exclude important items like independent contractors, completed operations, or even injury to your own employees. When a claim happens, you find out the hard way that saving a few hundred dollars cost you tens of thousands.

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6. Your Premium Audit Could Bankrupt You

At the end of the policy year, your insurer audits your payroll and subcontractor costs. If they find discrepancies — even innocent ones — you could owe thousands in “additional premium.” The worst part? Most agents don’t prepare you for this or help manage your reporting. A good broker helps you avoid nasty surprises by setting up your policy correctly from the start.

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7. Completed Operations Coverage Is Often Missing

You might finish a job today, but claims can come years later. If your policy doesn’t include completed operations coverage — or if it’s limited to “ongoing operations” — you’re exposed long after the project ends. This is one of the most misunderstood and overlooked areas of contractor insurance.

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8. Your Insurance Company Doesn’t Help You Get Work

Contractors need more than just protection — they need policies that make them more hirable. Many insurance companies don’t care whether your coverage helps you win bids. A specialized agency like BGES Group knows what general contractors and project owners look for — and sets up your coverage so you qualify for better jobs and bigger contracts.

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9. Some Insurance Companies Drop Contractors Without Warning

The market for construction insurance changes constantly. Some insurers suddenly decide they no longer want to cover construction classes — leaving you scrambling for replacement coverage at renewal. Without the right broker watching your back, your policy could non-renew at the worst possible time, shutting down your business until you find new coverage.

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10. You’re Probably Overpaying — Without Even Knowing It

Most contractors don’t shop their insurance correctly. They stick with the same agent year after year, not realizing better programs exist that offer stronger coverage for less money. Carriers that specialize in construction risk often offer more competitive rates — but you’ll never find them unless your broker knows the market inside and out.

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The One Best Secret You Should Know: Partner with BGES Group

Here’s the truth: most insurance brokers treat contractors as just another account. BGES Group isn’t one of them.

We’re New York construction insurance specialists who live and breathe this business. We know the ins and outs of Labor Law, completed operations, and subcontractor compliance. We know how to get you approved by general contractors and project owners — and how to keep your costs low while expanding your protection.

When your business insurance comes up for renewal, there’s one move that can change everything:

Let BGES Group service your policies.

Here’s what we do differently:

• ✅ Specialization: We focus on construction insurance — not restaurants, offices, or retail. That means your coverage is designed for your real-world exposures, from roofers and framers to electricians and masons.

• ✅ Labor Law Coverage: We help you secure general liability policies that include Labor Law 240/241 coverage with no height limitations — protection most agents overlook.

• ✅ Completed Operations Protection: We make sure you’re covered long after a job is done, so your company stays safe from future claims.

• ✅ Subcontractor Oversight: We help you verify and manage sub insurance so you don’t get hit with audit penalties or denied claims.

• ✅ Audit Assistance: We guide you through the audit process to prevent surprise bills and premium hikes.

• ✅ Better Job Opportunities: Our clients often find it easier to get approved by top GCs because their insurance is set up right.

• ✅ Personalized Service: When you call BGES Group, you deal directly with experienced specialists — not a call center or generic rep.

And unlike most brokers, we don’t disappear after you sign. We monitor your coverage throughout the year, make adjustments as your business grows, and advocate for you if a claim happens.

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Why Contractors Across New York Choose BGES Group

BGES Group has been protecting contractors for decades. We’ve seen every mistake, every hidden exclusion, and every insurance trap — and we’ve built our business around making sure you don’t fall into them. Our clients include small family-owned trades, large construction firms, and everything in between.

We understand your world — the bidding, the deadlines, the site challenges, and the constant pressure to do more with less. That’s why we deliver insurance solutions that keep you protected, compliant, and competitive.

When renewal time comes, don’t just sign another policy you barely understand. Get a second opinion from BGES Group. You may discover better coverage, lower premiums, and someone finally fighting for your business — not the insurance company’s bottom line.

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Contact BGES Group Today

BGES Group — Construction Insurance Specialists

📍 Serving New York, New Jersey, and Connecticut Contractors

📞 Call or Text: Gary Wallach at (914) 806-5853

📧 Email: mailto:bgesgroup@gmail.com

🌐 Website: https://www.bgesgroup.com

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Final Thought:

The real secret isn’t buried in the fine print of your insurance policy — it’s in who you trust to protect your business.

Let BGES Group show you what true coverage, service, and savings look like. When your renewal comes due, don’t just renew. Upgrade.

If you’re a contractor in New York, chances are you’ve had your fair share of frustrations dealing with insurance agencies. You’re busy running projects, juggling deadlines, and managing crews—yet every time you call your insurance agency for help, no one answers. When someone finally does, they promise to “get back to you,” but days go by with no response. You need an agency that treats your business like a priority, not an afterthought.

Let’s pull back the curtain on what’s really going on with many of the insurance agencies serving New York contractors—and show you how to break the cycle once and for all.

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1. No One Answers the Phone When You Call

You’ve been there—you’re knee-deep in a project, maybe you need a certificate of insurance right away or have a coverage question, and your call goes to voicemail… again. It’s more than annoying—it can delay your job, cost you time, and even put your business relationships at risk. The reality is that many agencies simply don’t make customer service a priority. You’re not being unreasonable for expecting someone to answer the phone. You’re running a business. You need help now, not tomorrow.

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2. You’re Paying Too Much for Business Insurance

New York contractors already pay some of the highest premiums in the country. Between the complex regulations, risk exposures, and tough underwriting, coverage is expensive enough. But are you paying more than you should? The answer is often yes.

Most agencies are on “auto-pilot”—they don’t shop your policies, negotiate aggressively, or look for specialized programs that could save you thousands. They renew your policies with the same carriers, at the same inflated prices, every year. You deserve better.

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3. Hidden Service Fees That Add Up to Thousands

Here’s something most agencies won’t tell you: many tack on their own “service” or “broker” fees, sometimes in the thousands of dollars, hidden deep in your paperwork. These fees are often unnecessary—and they’re pure profit for the agency.

The dirty little secret? Insurance companies already pay agencies a commission. So when you see extra fees, that’s money straight out of your pocket. A trustworthy agency will be upfront and transparent about costs. If they can’t explain what you’re paying for, that’s a red flag.

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4. Automatic Policy Renewals Without Checking for Better Options

Have you noticed that your policies just keep renewing automatically with no review? It’s convenient for your agency—but not for you. Without comparing your renewal with current market options, you could be missing out on significant savings or better coverage.

A good agency should take the time to review your policies each year, assess whether your coverage still fits your business, and explore other options before renewing.

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5. Inexperienced Account Executives Who Don’t Understand Policy Language

Insurance policies are full of complex language—and if your account executive doesn’t truly understand it, you could be left exposed. Too many agencies rely on inexperienced staff who don’t have the expertise to navigate the fine print. That can lead to costly coverage gaps or misunderstandings when you need your insurance most—during a claim.

When you’re in the construction business, every word in your policy matters. You need someone who not only understands insurance but also understands how your contracts, subs, and jobsite exposures tie into it.

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6. Staff Who Don’t Understand the Realities of the Construction Business

Quoting policies is easy. Understanding construction is not. Many insurance reps don’t have real-world knowledge of the risks you face every day—working at heights, managing subs, handling safety compliance, or dealing with audits.

They may give you cookie-cutter coverage that looks good on paper but doesn’t protect you in practice. What you need is an experienced advisor who can tailor coverage to your specific operations, not someone reading from a script.

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7. High Turnover Means No One Knows Your Account

Ever feel like you’re starting from scratch every time you call your agency? That’s because employee turnover in many agencies is high. The person who knew your account leaves, and now you’re stuck re-explaining everything to someone new who doesn’t understand your business.

Consistency matters. You need an agency where you deal with the same knowledgeable people year after year—people who know your business, your policies, and your priorities.

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8. Agencies Don’t Even Check Your Policies When They Come In

You’d think reviewing your policies for accuracy would be a given—but it often isn’t. Many agencies don’t check your policy documents when they arrive from the carrier. That means errors—wrong limits, missing endorsements, incorrect classifications—can go unnoticed until you have a claim.

When that happens, the “we’ll look into it” response from your agency won’t fix the damage. The best agencies double-check every detail before handing policies over to you, ensuring you’re actually getting the protection you paid for.

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The Solution: Work with an Agency That Actually Cares

If you’re tired of dealing with agencies that never answer, overcharge you, and leave you unprotected, it’s time to make a change. You deserve a partner who takes your business as seriously as you do.

That’s where BGES Group comes in.

We’re not your typical insurance agency. At BGES Group, we specialize in helping New York, New Jersey, and Connecticut contractors get the right coverage, the right service, and the right price.

Here’s what sets us apart:

• Experienced Account Executives who truly understand both insurance and the contracting business.
• Personalized Service with real people—when you call, you get someone who knows your account and gets you answers fast.
• Competitive Pricing with no hidden fees, no unnecessary charges, and no automatic renewals without reviewing your options.
• Access to 50+ Top Insurance Companies including all the best general and umbrella liability programs.
• All Lines of Coverage – property, builders’ risk, inland marine, general liability, umbrella, auto, bid & performance bonds, workers’ comp, NYS disability, and group health.

We don’t just sell policies—we build relationships. You can call, text, or email us anytime, even on weekends. We know construction doesn’t stop at 5 p.m., and neither do we.

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BGES Group: The Tri-State Workers’ Compensation Specialists

Workers’ Compensation is one of our biggest strengths. If you’re:

• Unhappy with your current rates
• Facing cancellation or nonrenewal
• Struggling with losses, misclassified payrolls, or audit disputes
• Or just want to see if you can do better

We can help.

We represent special programs for Auto Services, Contractors, Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers. We’re also a Preferred Agent for one of the best multi-state programs on the market—offering excellent pricing, long-term stability, and simplified audits.

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It’s Time to Expect More

Stop overpaying for poor service. Stop waiting days for a call back. Stop letting agencies renew your policies year after year without checking your options.

Choose BGES Group—where your business is our priority.

📞 Call Gary Wallach today at 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: www.bgesgroup.com

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

We’re here to make your life easier, your coverage stronger, and your premiums more affordable. Because you deserve an insurance agency that actually picks up the phone.