In New York’s high-risk construction industry, General Contractors (GCs) and subcontractors face enormous legal and financial exposure. A common risk transfer strategy is requiring subcontractors to list the GC, the project owner, and other upstream parties—such as property managers, developers, and lenders—as Additional Insureds (AIs) on their liability insurance policies.

But here’s the reality: simply asking to be named as an AI isn’t enough anymore.

Many modern insurance policies—especially those written by surplus lines carriers—mandate a direct written agreement between the subcontractor and each upstream party requesting Additional Insured status. If such an agreement doesn’t exist, insurers can and do deny coverage, leaving GCs and owners exposed to lawsuits, defense costs, and settlements.

The solution? A short, signed “side agreement” between all parties.

And here’s a critical step that’s often overlooked:

At the time of negotiating the subcontract, the subcontractor should ask the General Contractor to ensure that all upstream parties (owner, property manager, lender, etc.) agree in writing to be part of the AI agreement. This ensures that coverage will trigger if a claim arises—and prevents costly surprises later.

Let’s walk through the risks, the solution, a sample agreement, and how BGES Group can help contractors across New York, New Jersey, and Connecticut navigate it all with confidence.

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Why a Written Agreement Matters

Most construction liability policies—especially surplus lines forms—state that Additional Insured coverage only applies when there is a written contract or agreement directly between the subcontractor and the Additional Insured party. Without that, even if the COI and endorsements look perfect, the carrier may refuse to defend or pay a claim.

You might think your contract with the GC covers it. It doesn’t—unless the GC and upstream parties are all included in a valid, signed agreement with the subcontractor. Many policies strictly interpret this condition.

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The Smartest Move: Make the GC Responsible for Upstream Signatures

To avoid being left in a dangerous position, subcontractors should negotiate the following condition into the subcontract:

“General Contractor agrees to obtain the written agreement and signature of all upstream parties (owner, property manager, lender, etc.) confirming their agreement to be named as Additional Insureds on Subcontractor’s insurance policy for both ongoing and completed operations.”

This puts the responsibility where it belongs—with the GC, who has the relationships and leverage to obtain those signatures from upstream entities. It also ensures that the subcontractor’s carrier can’t deny coverage later because of a missing written agreement.

This one step can be the difference between having insurance work for you—or watching it fall apart during a million-dollar claim.

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The Power of a Side Agreement

A simple side agreement—signed by all parties—satisfies the policy’s written agreement requirement and avoids the cost and time involved in securing custom endorsements.

This document:

• Provides legal clarity

• Meets insurer conditions

• Costs nothing to implement

• Prevents denied AI coverage

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Sample Direct Written Agreement for Additional Insured Coverage

DISCLAIMER: This is a sample for educational purposes only. We are not attorneys and this is not legal advice. Always have your contracts reviewed by legal counsel.

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ADDITIONAL INSURED AGREEMENT

This Agreement is made as of [Insert Date]

PARTIES:

• Subcontractor: [Subcontractor Company Name], [Address]

• General Contractor: [GC Company Name], [Address]

• Project Owner: [Owner Name or Entity], [Address]

• Property Manager: [If applicable]

• Lender/Mortgagee: [If applicable]

• Project Location: [Job Address or Project Name]

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PURPOSE

This Agreement sets forth the Subcontractor’s obligation to provide Additional Insured coverage to the above-named parties in connection with the project listed above.

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TERMS

1. Additional Insured Coverage

Subcontractor agrees to obtain and maintain Commercial General Liability insurance that names the General Contractor, Project Owner, Property Manager, and Lender as Additional Insureds for both ongoing and completed operations.

2. Primary and Non-Contributory

Such coverage shall apply on a primary and non-contributory basis with respect to any other insurance held by the Additional Insureds.

3. Waiver of Subrogation

Subcontractor agrees to waive subrogation rights in favor of all listed Additional Insureds.

4. Proof of Coverage

Subcontractor shall provide Certificates of Insurance and a copy of the policy endorsement naming all parties as Additional Insureds upon request. Certificates alone are not sufficient.

5. Policy Limits

Liability limits shall be no less than $1,000,000 per occurrence and $2,000,000 general aggregate, or as required by the contract.

6. Survival of Obligation

This obligation shall survive the completion of the work and remain in effect for the duration of applicable statutes of limitations and repose.

7. Indemnification Clause

Subcontractor shall indemnify and hold harmless the Additional Insureds from any and all liabilities arising out of their work to the fullest extent permitted by law.

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SIGNATURES

Subcontractor

Company: ____________________________

By: _________________________________

Title: _______________________________

Date: _______________________________

General Contractor

Company: ____________________________

By: _________________________________

Title: _______________________________

Date: _______________________________

Project Owner

Entity: _____________________________

By: _________________________________

Title: _______________________________

Date: _______________________________

Property Manager (if applicable)

Company: ____________________________

By: _________________________________

Title: _______________________________

Date: _______________________________

Lender/Bank (if applicable)

Entity: _____________________________

By: _________________________________

Title: _______________________________

Date: _______________________________

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Common Mistakes to Avoid

• Only relying on Certificates of Insurance – Not legally binding and often useless in a claim.

• Assuming the GC’s contract is enough – If you’re not a party to that agreement, you’re not protected.

• Failing to get upstream party signatures – This voids many surplus lines AI endorsements.

• Delaying until work begins – Agreements must be signed before any labor or materials hit the site.

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How BGES Group Helps Contractors Stay Covered

At BGES Group, we specialize in construction insurance for New York, New Jersey, and Connecticut—three of the toughest insurance environments in the country.

We help:

• General Contractors manage risk transfer and subcontractor compliance

• Subcontractors structure agreements to meet insurance policy conditions

• Owners and Developers get peace of mind that they’re truly covered

We review contracts, explain your insurance obligations in plain English, and guide you on implementing cost-effective, policy-compliant agreements that protect your business.

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Contact BGES Group Today

If you want to ensure your Additional Insured protection will hold up in court and with insurers, talk to us today.

📞 Gary Wallach

📍 BGES Group – NY Construction Insurance Specialists

📱 Call or Text: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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Final Word: In today’s legal and insurance climate, hoping your Certificate of Insurance will protect you is a recipe for disaster. Whether you’re a GC or subcontractor, the solution is simple: get it in writing—signed by all parties—before work begins. Let BGES Group help you set up these agreements the right way and keep your business protected.

If you’re a New York business owner struggling to renew your workers’ compensation insurance, you’re not alone. Carriers are tightening up, premiums are climbing, and losses or the type of work you do may be raising red flags. Whether you’re in construction, trucking, manufacturing, or any other high-risk industry, not having coverage can bring your operations to a halt—and fast.

But don’t panic. There are ways forward.

Here are 5 effective strategies that can help you secure new workers’ compensation coverage—even if traditional carriers are saying no.

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1. Reevaluate and Clean Up Your Loss History

If you’ve had claims in the past, insurers will want to know why—and what you’re doing to prevent more in the future. The first step is requesting and reviewing your loss run reports (you can get them from your current or previous carrier).

Check for errors. Are all the claims legitimate? Are the reserve amounts accurate? Are there any that should be closed? Having a broker help you dispute incorrect reserves or close outdated claims can make your loss profile look more favorable.

Then, show underwriters what you’ve done to improve. Maybe you’ve:

• Added safety protocols

• Introduced new training programs

• Installed updated equipment

• Removed higher-risk operations

Being proactive can go a long way in convincing carriers to take another look.

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2. Explore Assigned Risk Pool or State Fund Options

If you’ve exhausted the open market, you may qualify for New York’s Assigned Risk Pool (aka the NYSIF Voluntary Market or Residual Market). It’s not always the cheapest option, but it’s often the only lifeline for businesses turned down elsewhere.

You’ll need to submit an application and meet basic eligibility criteria. While coverage through NYSIF can be more expensive—especially if you’ve had losses or do high-hazard work—it does fulfill your legal obligation to carry coverage.

That said, working with a broker who knows how to move you out of the assigned risk pool and into a better program over time is key.

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3. Consider a Professional Employer Organization (PEO)

A PEO may be an option if you’re looking for a bundled solution that includes workers’ comp, payroll, HR support, and more. Some PEOs take on higher-risk businesses by pooling them with lower-risk ones to reduce overall exposure.

This can be a short- to medium-term solution while you clean up your loss history or transition to safer work. It’s not ideal for everyone (and can come with its own complexities), but when traditional coverage isn’t an option, it can keep your business running.

Make sure to work with a broker or consultant who can vet the PEO and explain the fine print before you sign up.

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4. Change the Structure of Your Business or Work Type

Sometimes you need to take a hard look at how you’re operating.

Do you have certain job classifications or employees driving up your premiums? Are you performing work that you could subcontract to specialists with their own coverage? Could you restructure your crews or roles?

For example:

• A construction firm doing high-rise work might limit itself to interior renovations until claims cool off.

• A trucking company with a few long-haul drivers might transition to local routes that carry lower premiums.

Even subtle changes to your operations can help you land a policy you couldn’t get before.

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5. Work with a Specialist Like BGES Group

Let’s face it: not all brokers are equipped to deal with tough risks. That’s where the BGES Group comes in.

We specialize in helping businesses just like yours—contractors, manufacturers, trucking companies, landscapers, tree services, and more—who are facing challenges with their workers’ compensation insurance.

At BGES Group, we don’t just “shop the market.” We solve problems. Whether you’ve got a tough loss history, are operating in a high-risk industry, or have been non-renewed by your carrier, we know where to go, what paperwork to prepare, and how to position your business to get coverage again.

Here’s what we do:

• Analyze your business and loss history

• Identify problem areas

• Find specialized markets, programs, or carriers that fit your risk

• Help you develop strategies to improve your risk profile over time

• Offer bundled coverage solutions when necessary (e.g., comp + liability)

We’ve helped dozens of New York business owners who thought they were “uninsurable.” Often, we find creative solutions that other brokers overlook entirely.

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Need Help? Contact BGES Group Today

If you’re being non-renewed, are stuck in the NYSIF pool, or your broker has thrown in the towel, it’s time to bring in a team that knows how to handle difficult workers’ comp cases.

Contact BGES Group:

• Gary Wallach, Workers’ Comp Specialist

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: http://www.bgesgroup.com

We work with businesses all across New York, and we have a network that covers New Jersey, Connecticut, and even nationwide options.

We’re here to help you stay in business, stay protected, and stop losing sleep over workers’ comp.

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Final Thoughts

Not being able to renew your workers’ compensation policy is stressful, but you’re not out of options. Whether you adjust operations, restructure risk, or get creative with how you approach coverage, help is out there.

And if you need a team that’s not afraid to dig in, troubleshoot, and fight for your business, reach out to BGES Group today.

Let’s find your way back to coverage—together.

New York contractors face some of the toughest insurance requirements in the country. With Labor Law exposure, high-risk job sites, and strict owner/GC demands, General and Excess Liability insurance is non-negotiable. But these policies, especially when written through surplus lines carriers, can cost $50,000, $100,000, or more per year.

To manage cash flow, many contractors turn to premium financing. It’s often necessary—but if mishandled, it can trigger cancellations, penalties, and even job shutdowns.

Here’s what contractors need to know about financing surplus lines policies the smart way—and how BGES Group can help you avoid costly mistakes.

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How Premium Financing Works for Surplus Lines

When you finance a surplus lines General and Excess Liability policy, you don’t pay the full premium upfront. Instead, a premium finance company pays it for you, and you repay them in monthly installments.

Typically, they require a 25% deposit. That’s because surplus lines policies often include minimum earned premium provisions (usually 25–30%), meaning even if the policy is canceled early, the carrier keeps that minimum amount. The finance company needs to ensure that if the policy cancels, it can recover this non-refundable portion.

Some finance companies may accept a 20% deposit, but that depends on your credit history, business size, and your broker’s relationship with the lender. BGES Group helps clients explore the lowest deposit options available.

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Reduce Interest by Delaying Fund Release

One smart way to reduce your total financing cost is to delay the release of funds from the finance company to the insurance carrier.

Normally, once you sign the finance agreement and make the down payment, the finance company sends the full premium to the insurance company. But many carriers allow delayed funding—up to 20 to 25 days after the policy’s effective date.

Why does this matter? Because interest doesn’t start accruing until the funds are released. If your project isn’t starting immediately, delaying funding helps reduce the financed amount and lowers your total interest cost.

BGES Group frequently arranges these delayed releases to help contractors minimize interest and align payments with job cash flow.

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What Happens If You Miss a Payment?

Missing a payment triggers a Notice of Intent to Cancel (NOIC) from the finance company. This is a formal warning that your policy will be canceled if you don’t pay by the cancellation date listed—typically 10 days from the notice.

Most contractors don’t realize that once the NOIC is issued, a 5% penalty is often added to the installment amount owed. On a large premium, this can mean thousands in extra cost just for missing a deadline.

To avoid cancellation, you must pay the full amount due—plus the penalty—by the cancellation date on the NOIC. If you don’t, the finance company can legally instruct the insurance carrier to cancel your policy, and in New York construction, that could mean:

• Immediate job site shutdowns

• Contract violations

• Revoked COIs

• Legal exposure under Labor Law

BGES Group helps contractors respond quickly to NOICs, negotiate with finance companies when possible, and keep policies active.

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What If Your Payment Bounces? (NSF)

An even worse situation? You make a payment to avoid cancellation—but the check or ACH transfer bounces due to insufficient funds (NSF).

From the finance company’s point of view, this is a major red flag. You’ve already missed the deadline, and now your replacement payment is invalid.

In most cases, they’ll require you to pay with certified funds, like a wire transfer or bank check. Some finance companies will even require advance payment of the next installment before they reinstate the policy.

This creates a coverage gap, which can cost you jobs, delay payroll, and tarnish your reputation with project owners or GCs.

Avoid NSF events at all costs. And if you’re in trouble, contact BGES Group immediately—we can step in and help limit the damage.

How BGES Group Helps You Navigate Financing

At BGES Group, we specialize in helping New York contractors secure the right coverage with the right financing terms. We work with multiple surplus lines carriers and premium finance companies to:

• Lower your interest rates

• Explore 20% deposit options

• Delay fund release to reduce costs

• Respond quickly to NOICs and late payment issues

• Guide you through NSF or cancellation problems

We know how finance companies think. We understand surplus lines underwriting. And we work with contractors every day to protect their coverage and control their costs.

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Who We Work With

BGES Group works with contractors across New York, New Jersey, and Connecticut—including:

• Scaffolding and masonry contractors

• Demolition and excavation companies

• Painting and drywall subcontractors

• High-rise builders and general contractors

• Site work, concrete, and street/road contractors

*Everyone

We understand New York Labor Law and what insurance terms owners and GCs require. Whether you’re just starting out or managing multi-million-dollar projects, we can structure your insurance and financing to keep your business safe and scalable.

Contact BGES Group Today

If you’re looking to finance your General or Excess Liability insurance policy—or need help dealing with a finance company issue—we’re here to help.

BGES Group

📞 Gary Wallach – 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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Final Word: Don’t Let Financing Derail Your Business

Financing your insurance premiums is a smart way to keep cash flowing—as long as you manage it right. One missed payment, one NSF, or a poorly timed fund release can cost you thousands and put your business at risk.

With BGES Group in your corner, you can protect your projects, reduce your costs, and avoid expensive missteps. Let us help you finance smarter—and keep your coverage rock solid.

Small and mid-sized employers now have a valuable opportunity to reduce penalties for workplace safety violations, thanks to recent updates from the U.S. Department of Labor. As of July 14, 2025, the Occupational Safety and Health Administration (OSHA) has revised its penalty framework to ease financial burdens on small businesses while continuing to hold them accountable for maintaining a safe working environment.

These updates not only provide significant savings potential for responsible employers, but also reinforce the importance of acting quickly and maintaining strong safety records.

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What’s Changing in OSHA’s Penalty Policy?

Outlined in OSHA’s updated Field Operations Manual, the revised policy introduces three key opportunities for penalty reductions:

1. Quick Hazard Correction (15% Reduction)

Employers who immediately fix hazards identified during an inspection are eligible for a 15% penalty reduction. Immediate abatement must be thoroughly documented and verified by OSHA officials.

2. Expanded Small Business Relief (70% Reduction)

Previously, businesses with 10 or fewer employees could qualify for a 70% reduction in penalties. Now, that threshold has increased—employers with up to 25 employees may qualify. This change acknowledges the resource limitations often faced by smaller firms.

3. Clean Inspection History Credit (20% Reduction)

Employers can earn an additional 20% reduction if they:

• Have never been inspected by federal OSHA or a state plan, or
• Have had an inspection within the last five years with no serious, willful, or failure-to-abate violations

These reductions can be combined, offering eligible employers a total penalty reduction of more than 80%.

⚠️ Note: OSHA retains full discretion to deny reductions, particularly in cases involving egregious or repeated violations.

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How Employers Can Take Advantage

To benefit from the revised OSHA policy, employers should take the following proactive measures:

• Track Workforce Size: Ensure you’re aware of your employee count. Businesses with 25 or fewer employees are now eligible for expanded relief.
• Train for Quick Response: Establish protocols so supervisors and safety managers can correct hazards immediately and provide proper documentation.
• Review Your Inspection Record: If your company has never been inspected, or hasn’t had serious citations in the past five years, you may qualify for the clean history credit.
• Be Prepared to Negotiate: If cited, consult a safety expert or legal advisor to confirm eligibility for all applicable reductions.

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What This Means for Employers

The updated penalty framework reflects OSHA’s broader strategy: supporting small businesses without compromising on workplace safety. By rewarding prompt action and clean records, the agency encourages employers to stay ahead of safety issues rather than wait for enforcement.

Still, OSHA has made it clear: this isn’t a free pass. Employers who ignore hazards, demonstrate poor safety practices, or act in bad faith will continue to face serious consequences.

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Need Help Navigating OSHA Compliance? Contact BGES Group

At BGES Group, we specialize in helping small and mid-sized businesses navigate complex regulatory landscapes, including OSHA compliance and risk management. With decades of experience in insurance, safety consulting, and employee benefits, our goal is to empower business owners to run safer, more efficient operations—without unnecessary penalties or interruptions.

What We Do:

• OSHA compliance consulting
• Workers’ compensation and general liability programs
• Risk management and safety training
• Affordable insurance solutions tailored to your industry

Contact Us Today:

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

Let us help you take advantage of these new OSHA guidelines and keep your workplace safe and compliant.

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BGES Group — Protecting Your People, Your Profits, and Your Peace of Mind.

When it comes to liability insurance for contractors in New York, one of the most misunderstood—and potentially devastating—coverage issues revolves around Labor Law. For general contractors and subcontractors, being improperly covered (or not covered at all) for New York Labor Laws 240, 241, and 200 can mean financial ruin in the event of a serious accident.

The sad truth? Many contractors think they’re covered—only to find out too late that critical exclusions leave them exposed to multi-million-dollar lawsuits. Let’s dig into what Labor Law coverage is, what types of claims would be covered with the right policy in place, and the kinds of disasters that could be denied if your policy isn’t structured correctly.

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What Is Labor Law Coverage?

In New York, Labor Law 240 (the “Scaffold Law”) and Labor Law 241 impose absolute liability on property owners and contractors when a worker falls from a height or is struck by a falling object—even if the contractor wasn’t negligent.

Labor Law 200 covers general workplace safety and hazards. These laws are designed to protect workers—but they place an enormous liability burden on contractors.

Without the proper Labor Law endorsements on your liability policy, your insurance company can (and often will) deny coverage for these claims.

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5 Examples of Claims That Would Be Covered with Labor Law Protection

1. Rooftop Fall – $2.8 Million Settlement

A subcontractor’s employee was working on a 3-story townhouse roof in Brooklyn. No fall protection was provided. He fell 20 feet and suffered multiple fractures and a traumatic brain injury.

Covered? Yes, with proper Labor Law 240 coverage.

2. Falling Object Injury – $1.6 Million Judgment

A worker on the ground was struck by a brick that fell from a scaffold during renovation in Manhattan. The worker required spinal surgery.

Covered? Yes, because the incident falls under Labor Law 240 protections.

3. Ladder Collapse – $3.2 Million Lawsuit

An electrician working on a 12-foot ladder inside a retail store fell when the ladder slipped on a recently waxed floor. He became partially disabled.

Covered? Yes, with Labor Law 240 and 241 coverage.

4. Shoring Collapse – $4.5 Million Jury Award

A foundation worker in Queens was injured when an improperly braced trench collapsed.

Covered? Yes, under Labor Law 241(6), which governs excavation and demolition worksite safety.

5. Platform Slip – $950,000 Claim

A painter slipped on a wet temporary platform due to missing guardrails and no non-slip surface.

Covered? Yes, because the failure to provide a safe working platform is directly related to Labor Law 240.

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5 Examples of Claims That Would Not Be Covered Without Labor Law Protection

1. Framer Falls Through Open Stairwell – $2.1 Million Lawsuit

A framer at a residential jobsite fell through an unguarded stairwell opening. The GC’s policy excluded Labor Law.

Denied – The contractor had a “Labor Law Exclusion” endorsement.

2. Employee Injury – $1.3 Million Demand

A laborer employed by a subcontractor was injured on-site and filed a lawsuit against the general contractor.

Denied – The GC had a “Contractual Liability – Employee Injury” exclusion and no Labor Law endorsement.

3. Temporary Laborer Slip – $800,000 Claim

A leased worker fell off a scaffold because no guardrails were installed.

Denied – Policy excluded coverage for temporary or leased employees.

4. Falling Lumber Incident – $2.6 Million Judgment

A worker was struck by falling lumber due to poor hoisting practices.

Denied – The policy included an “Action Over Exclusion,” which blocked coverage when an injured employee sues a third party who then sues the policyholder.

5. Improper Safety Equipment – $3.9 Million Lawsuit

A concrete worker was injured when a makeshift lift failed.

Denied – No Labor Law 240/241 coverage; claim denied despite injury severity.

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The Hidden Danger in Your Policy: Exclusions That Leave You Exposed

If you’re a New York contractor, here’s what you need to watch out for:

• Labor Law Exclusion

• Employee Injury Exclusion

• Action Over Exclusion

• Leased/Temporary Worker Exclusion

• Independent Contractor Exclusion

Even if your certificate of insurance looks clean, you must review your actual policy forms and endorsements. Too many brokers ignore these exclusions—leaving you open to uncovered million-dollar claims.

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How BGES Group Can Help

At BGES Group, we specialize in construction insurance for New York contractors. We’ve seen far too many good contractors get blindsided by denied claims—simply because they weren’t properly covered.

Our team doesn’t just sell policies—we protect your business. We’ll:

• Review your existing policy for hidden exclusions

• Identify your Labor Law exposures

• Match you with a carrier that provides real coverage

• Often reduce your premiums while improving protection

• Educate you so you know exactly what’s covered and what’s not

Whether you’re a general contractor, subcontractor, scaffolding company, or tradesman, we’ll help you get coverage that stands up when it matters most.

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Don’t Gamble with Your Livelihood

A single denied claim can bankrupt your company, destroy your reputation, and cost you everything you’ve built. Why take that risk?

Let BGES Group help you secure the protection you deserve.

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Contact BGES Group Today

BGES Group – Construction Insurance Specialists

📍 Serving New York, New Jersey, and Connecticut

📞 Call Gary Wallach: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: http://www.bgesgroup.com

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Remember: Just because you have liability insurance doesn’t mean you’re covered for New York Labor Law claims. Make sure your policy will stand up in court—before you have a claim.

Let BGES Group show you how.

If you’re a New York contractor, you already know how expensive, complicated, and frustrating it can be to find the right general liability insurance policy. Whether you’re just starting out or have years of experience under your belt, the last thing you want is to be paying too much for a policy that doesn’t truly protect you when it counts.

At BGES Group, we specialize in working exclusively with contractors—from general contractors to subcontractors in all trades—and we understand the unique challenges you face in New York and throughout the Tri-State area. We help contractors get better coverage, save thousands of dollars, and avoid the traps that put so many companies at risk.

If you’re in the market for a new general liability policy, here are 10 compelling reasons why your next call should be to BGES Group.

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1. We Specialize in Contractor Insurance — That’s All We Do

You wouldn’t hire a plumber to wire your house. So why trust your contractor insurance to a generalist? At BGES Group, we focus 100% on contractors, which means we know the ins and outs of general liability, workers’ comp, and umbrella policies tailored specifically for the construction industry.

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2. We Know the New York Insurance Market Cold

New York is one of the toughest states for contractor insurance. Between Labor Law 240/241 claims, action-over exclusions, and strict certificate requirements from general contractors and building owners, it’s easy to make a mistake that costs you big. We understand the regulatory environment and know how to protect you from the most common—and most devastating—mistakes.

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3. We Help You Avoid Dangerous Exclusions

Did you know that many contractor policies exclude:

• Employee injury claims

• Action-over lawsuits

• Coverage for subcontracted work

• Leased or temporary employees

One uncovered claim could put you out of business. We read every policy we offer and make sure you’re covered for the real-world risks you face on the job site.

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4. We Can Save You Thousands in Premiums

We regularly help contractors save $5,000, $10,000, or more a year by placing them in better-fitting policies with stronger coverage. We work with top-rated carriers and know how to navigate underwriting to get you the best deal—not just the cheapest quote, but the one that actually protects you.

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5. We’re Experts at Certificate Management

Need a certificate fast? Need to show multiple additional insureds and waivers of subrogation? Working on a city project or high-rise that requires specific language? We know exactly how to handle complex certificate requests so you don’t lose out on jobs or upset your general contractor.

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6. We Help You Structure Your Policies to Win More Jobs

GCs and project owners are looking for well-structured insurance. We help you build a risk profile and policy setup that makes you more attractive to potential clients—whether it’s providing primary/non-contributory wording, per-project aggregate limits, or blanket additional insureds. We know what it takes to get you approved.

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7. We Work with Start-Ups and Large Contractors Alike

Whether you’re a two-man crew just getting started or a multi-million-dollar firm with large commercial projects, BGES Group has markets and programs for you. We don’t turn away smaller contractors, and we know how to handle the complexities of larger accounts.

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8. You Get Personal Service, Not a Call Center

When you call BGES Group, you talk to a real person who knows your name, your business, and your policy. We don’t shuffle you through departments or keep you on hold. Our clients have direct access to an experienced insurance professional, and we’re available when you need us—even after hours.

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9. We Can Package General Liability with Workers’ Comp, Umbrella, and More

Want to simplify your insurance program? We can bundle all your key policies—GL, comp, umbrella, tools, commercial auto—with one point of contact. This makes managing your coverage easier and helps you take advantage of multi-policy discounts.

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10. We’ve Got a Track Record of Protecting Contractors

BGES Group has spent years helping contractors stay in business after serious claims, avoid lawsuits, and land better-paying jobs because they had the right insurance structure in place. We’re not just a broker—we’re your advocate, your advisor, and your safety net when the unexpected happens.

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About BGES Group

At BGES Group, we specialize in contractor insurance for businesses in New York, New Jersey, and Connecticut. We work with general contractors, subcontractors, and specialty trades to build better insurance programs that protect your business, reduce your liability, and save you money.

We’re not a factory agency. We’re a hands-on, boutique firm that believes in old-school service with modern solutions. Our team takes the time to understand your business, review your policies, and make sure you’re covered when it really matters.

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Ready to Talk to a Contractor Insurance Specialist?

If you’re tired of overpaying for insurance that doesn’t do the job—or worse, puts your business at risk—then it’s time to give BGES Group a call.

We serve contractors across the Tri-State area and are ready to help you get covered the right way.

Contact BGES Group Today:

📞 Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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Stop guessing about your insurance. Let BGES Group show you what real protection looks like. We’re here to help you win more jobs, stay compliant, and sleep better at night.

When you’re a general contractor operating in New York, you’re already working in one of the most heavily litigated construction environments in the country. From the moment you break ground to the final walkthrough, your business is exposed to a long list of liabilities. One of the most misunderstood and dangerous missteps general contractors make is purchasing a liability insurance policy that does not include proper Labor Law coverage.

Many contractors, especially those who hire subcontractors, believe they’re covered simply because they have a general liability policy. But if you don’t have the right Labor Law protection—specifically coverage for employee injuries, temporary or leased employees, and so-called “Action Over” claims—you could be putting your company, your assets, and your future on the line.

Let’s dive into why this mistake can be catastrophic—and how BGES Group can help protect you from financial ruin.

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Why Labor Law Coverage in New York Is Critical

New York’s Labor Laws 240, 241, and 200 are some of the most contractor-unfriendly statutes in the country. They impose strict liability on general contractors and property owners when a worker is injured due to falls, falling objects, or other jobsite safety violations—even if the worker is employed by a subcontractor.

If your policy excludes labor law or doesn’t adequately cover “Action Over” claims, you could be held 100% financially responsible for a claim—even when you had no direct role in the injury.

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Top 5 Examples of Claims That Can Destroy a Contractor Without Proper Labor Law Coverage

1. The Roofer’s Fall

You hire a roofing subcontractor to do a simple tear-off and re-shingle job. One of the subcontractor’s employees, not tied off properly, falls and suffers spinal injuries. The worker’s employer has minimal workers’ comp, and now the worker sues you, the general contractor, under Labor Law 240. Your policy excludes labor law. You’re now facing a $2 million lawsuit—personally.

2. The Leased Worker Injury

You use a staffing agency to bring in temporary laborers for site cleanup. One of the temp workers falls off a scaffold. You assume you’re covered under your liability policy. But your policy has an exclusion for leased and temporary employees. Your insurer denies the claim. The lawsuit goes forward. You’re forced to sell assets or declare bankruptcy to settle.

3. The “Action Over” Nightmare

Your subcontractor’s injured employee collects workers’ comp benefits, then sues you under Labor Law 240. You submit the claim to your liability carrier. They deny it due to an Action Over exclusion—a clause that specifically excludes injuries to subcontractor employees who sue you after receiving workers’ comp. You’re now responsible for defending and paying the claim out-of-pocket.

4. Employee vs. Contractor Classification Trap

You bring in a crew you consider independent contractors, but the court reclassifies them as employees during a lawsuit. Your policy has an Employee Injury Exclusion. The injured “contractor” sues under Labor Law. Your insurer walks away. You’re now liable for both the judgment and defense costs.

5. The Site Supervisor Incident

Your site supervisor helps a subcontractor install a window. A gust of wind causes the scaffolding to collapse, injuring the sub’s employee. The worker sues the GC (you). Your policy has no Labor Law coverage and an exclusion for bodily injury to workers on-site. You lose the claim—and your business.

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Key Policy Exclusions to Watch For

Contractors who don’t read the fine print on their liability policies often fall victim to:

• Employee Injury Exclusions

These exclude coverage for injuries to your own employees—often including laborers you may think are subs.

• Temporary or Leased Employee Exclusions

If you use staffing firms or day laborers, you must ensure they are not excluded.

• Action Over Exclusions

These are especially dangerous in New York. They eliminate coverage for lawsuits by injured subcontractor employees who sue the GC after collecting workers’ comp.

• Independent Contractor Endorsements

Some policies exclude coverage for all work done by subs unless they meet very specific and often unrealistic contract, licensing, and insurance requirements.

One overlooked clause can turn a $100,000 policy into a worthless piece of paper when a major claim hits.

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Why BGES Group Should Be Your Insurance Partner

At BGES Group, we specialize in New York construction insurance. We’ve spent years studying the ins and outs of Labor Law exposure and have helped hundreds of contractors avoid disastrous claim denials.

We don’t just sell policies—we help you:

• Review and explain your current policy’s exclusions

• Identify holes in coverage that could cost you your business

• Find you a carrier that includes labor law coverage, even if you’ve been denied or non-renewed elsewhere

• Work with you to properly structure contracts with your subcontractors to reduce exposure

• Secure affordable insurance with the protections you really need

Whether you’re just starting out, struggling to renew, or have been dropped by your carrier, BGES Group is here to help.

We have programs for general contractors and specialty trade contractors, even those who have had claims, are higher risk, or operate in the 5 boroughs.

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Contact BGES Group Today

Don’t wait for a claim to find out your insurance is worthless. Call us today for a free, no-pressure policy review.

BGES Group

Construction Insurance Specialists

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

We work fast, fight for our clients, and most importantly—we know New York construction insurance like no one else.

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Final Word

Insurance is not just a requirement—it’s your lifeline. If you’re a general contractor in New York relying on subcontractors, don’t assume your current coverage is enough. Labor Law claims can happen without warning, and the wrong insurance can leave you defenseless.

Let BGES Group give you the peace of mind that comes from being truly protected. We’re here to make sure that one claim doesn’t cost you everything.

If you’re a contractor operating in New York, you already know the importance of reliable, responsive, and experienced insurance support. Contractors in New York pay some of the highest insurance rates in the entire country—so when you’re investing heavily in premiums, you deserve top‑notch service. Yet far too many agencies fall short—way short.

In an industry where the right coverage can mean the difference between landing a big contract or losing it—or worse, staying open or going under—many agencies simply don’t deliver the service or expertise contractors need and deserve.

Let’s break down the real challenges you’re likely facing with most of today’s insurance agencies.

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🔍 The Harsh Reality of Insurance Agencies Serving New York Contractors

Many agencies claim to specialize in contractor insurance—but their service tells a different story. Here are the 10 most common issues contractors face:

1. Inexperienced Staff Your account is often handled by someone just learning the ropes—policies and certificates frequently contain costly mistakes or gaps.
2. Constant Turnover One day you’re dealing with John, the next it’s Jane. High churn rates lead to missed communications, redundancies, and general frustration.
3. No Proactive Policy Reviews Agencies don’t verify if your limits are adequate or if policy exclusions impact your coverage—until it’s too late.
4. Poor Response Times Calls go unanswered. Emails linger for days. When you urgently need a COI or claim help, you’re left hanging.
5. Ridiculous Policy Fees Charges and fees balloon with little explanation—frequently buried in the fine print, and hard to contest.
6. Slow Certificate Issuance Need a COI to start a job? Some agencies treat your request like an afterthought—and you wait days.
7. Lack of Contractor Expertise Many agencies insure everyone from salons to restaurants—leaving little insight into the exposures and compliance demands of New York construction.
8. No Client Advocacy When audit issues or cancellations arise, you’re often referred back to the insurer. No one fights for you.
9. Sales-Driven Service Agents often push the highest-commission product—not the best solution for your actual business.
10. Just a Number Many large agencies treat you like an account or file number—not a valued partner.

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💼 Meet BGES Group: The Complete Opposite

If you’re tired of being ignored, overcharged, and underserved—and you’re paying top-tier rates—you deserve BGES Group.

🔹 Boutique‑Style, Personalized Service

No rotating reps, no call centers. You work directly with senior professionals who know your business, your risks, and your service expectations inside out.

🔹 Fast, Reliable Communication

They answer the phone—often immediately. Emails are answered promptly. Need a COI in a hurry? You’ll often have it within minutes.

🔹 Deep Industry Expertise

BGES Group specializes in contractor insurance—period. Whether you’re a general contractor, electrician, plumber, or roofer, their team knows your exposures and what matters.

🔹 Proactive Policy Reviews

They regularly audit your coverage, update limits, add endorsements, and advise you on changes before renewal—so you’re always protected.

🔹 Transparent Fees Only

BGES Group doesn’t believe in hidden or padded fees. Every charge is explained and justified.

🔹 Genuine Advocacy

Whether it’s audits, claims, or compliance issues, BGES steps in for you with carriers—never passing the buck.

🔹 You’re a Valued Client

You’re not a policy number—you’re a partner. BGES succeeds when your business succeeds.

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🗣️ Real Praise: What Clients Say (Google Reviews)

Here are five actual comments from Google Reviews, shared via BGES Group’s own website listing

John D.: “BGES Group has been an absolute game‑changer for our construction business. Their team is knowledgeable, responsive, and always goes the extra mile to make sure we’re covered.”

Mike R.: “We’ve worked with several insurance brokers over the years, but BGES Group stands out for their expertise and dedication. They really understand the construction industry.”

Sarah L.: “Switching to BGES Group was the best decision we ever made. Their pricing is competitive, and the peace of mind we get from knowing we’re properly insured is priceless.”

Alex K.: “The claims process was seamless, thanks to BGES Group. They handled everything with professionalism and efficiency, allowing us to focus on our business.”

Emily P.: “BGES Group’s customer service is outstanding. They’re always available to answer our questions and provide guidance. We couldn’t ask for a better partner.”

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Contact BGES Group Today

If you’re paying high premiums, don’t settle for poor service. Elevate your insurance experience with BGES Group—the boutique-style broker that delivers fast, expert, and proactive coverage management.

📞 Call: 914‑806‑5853

✉️ Email: bgesgroup@gmail.com

🌐 Visit: www.bgesgroup.com

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BGES Group: New York’s Contractor Insurance Specialist. When you invest in high-cost coverage, expect—and receive—the high-touch, expert service you deserve.

If you’re a contractor in New York, you already know how tough it is out there. The jobsite isn’t the only place where things can go sideways—insurance is another battleground. Liability claims, injured workers, confusing audits, ballooning premiums, policy cancellations, and surprise coverage gaps can all put your business at serious risk.

That’s why choosing the right insurance partner may be one of the most important business decisions you make.

If your current broker isn’t responsive, doesn’t specialize in construction, or you’re feeling like just another number in a big agency’s file cabinet—it’s time to consider better options.

So let’s start with the big question:

Are you looking for a new general liability or workers’ compensation policy?

If the answer is yes, read on.

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5 Reasons Why Large, Factory-Style Insurance Agencies Can Hurt Your Business

Big-name agencies might look good on paper—flashy branding, national presence, long lists of carriers—but for small to mid-sized contractors, that shine can quickly wear off.

1. You’re Just a Number

Your account is likely handled by someone junior, and you rarely talk to the same person twice. These agencies are built for high volume, not relationships. Expect to be put on hold and passed around.

2. They Don’t Specialize in Construction

These agencies serve all industries, which means they often lack expertise in:

• NY labor law exposure
• Contractual insurance requirements
• Subcontractor risk
• Construction-specific endorsements

3. Minimal Support When Problems Arise

When an audit dispute, denied claim, or cancellation notice hits, don’t expect a rescue. Most big firms won’t go to bat for you. You’re left to fend for yourself.

4. Limited Options for High-Risk Contractors

Have claims? Do demo or structural work? High payroll? Big firms often push you into expensive assigned risk pools—or walk away entirely.

5. One-Size-Fits-All Approach

Big agencies rely on templates. You may get a policy, but it might not include:

• Proper additional insured wording
• Coverage for completed operations
• Protection against subcontractor-related lawsuits

The result? You’re dangerously exposed.

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5 Reasons Why BGES Group Is the Right Fit for New York Contractors

At BGES Group, we’re different. We’re a boutique construction insurance firm with decades of experience protecting contractors like you.

Here’s why contractors across NY, NJ, and CT are making the switch:

1. We Specialize in Construction Insurance

This is all we do. We understand:

• Labor law exposure
• Contract review
• Subcontractor risk transfer
• Coverage nuances specific to your trade

No fluff. No guesswork. Just expert guidance that protects your business.

2. Personalized, Hands-On Service

You’ll work directly with Gary Wallach, a 40+ year industry veteran. No call centers. No account shuffling. You get:

• Direct access
• Prompt responses
• An advocate who treats your business like his own

3. Access to Competitive Markets—Even for Tough Risks

We find solutions where others don’t. Whether you:

• Were turned down by another broker
• Are stuck in assigned risk
• Got hit with sky-high premiums

—we can help. We have markets other agencies don’t.

4. Support With Certificates, Audits & Claims

• Need a cert at 6 AM? Done.
• Trouble with an audit? We’ll help.
• Claim issue? We deal with the adjusters for you.

You’ll never feel alone when issues arise. We’ve got your back—every time.

5. We Help You Build a Long-Term Strategy

We don’t just sell policies. We help you:

• Reduce long-term costs
• Eliminate coverage gaps
• Improve your insurance profile
• Review contracts and structure proper agreements

Our goal: a safer, smarter future for your business.

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Contractors, Let’s Talk

Whether your policy is up for renewal, you’re facing non-renewal, stuck in the assigned risk pool, or just want a better experience—we’re here to help.

We can usually:

• Save you money
• Improve your coverage
• Give you peace of mind

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Contact BGES Group Today

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

We proudly serve New York, New Jersey, and Connecticut
We also have a trusted associate who serves contractors nationwide

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Final Word: Don’t Let Insurance Be Your Weakest Link

Too many contractors only discover issues after a claim—when it’s too late.

• The coverage was wrong
• The certificate didn’t meet job requirements
• The broker didn’t back them up

Don’t let that be your story.

Partner with a team that lives and breathes construction insurance.
Partner with BGES Group.

Let’s get your liability and workers’ comp coverage working for you—not against you.

Call today.

Pollution and environmental claims remain a significant threat to contractors of all types. These claims can lead to substantial costs for cleanup, remediation, and legal liabilities.

Pollution claims against contractors often involve:

• Surface water contamination
• Chemical spills
• Improper disposal of hazardous materials
• Asbestos exposure
• Mold and bacteria resulting from poorly installed HVAC systems

Any of these scenarios can trigger lawsuits and liability exposure that could severely impact small to mid-sized construction firms.

With the increasing risk of such incidents, it’s vital that contractors take proactive steps to minimize exposure and secure proper insurance coverage. Most standard general liability insurance policies exclude pollution-related claims.

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Common Pollution Risks for Contractors

Many contractors underestimate their pollution exposure—even those not directly handling hazardous substances. For example, a road contractor might unintentionally block a sewer line, causing sewage backups into buildings. While general liability coverage may apply, a pollution exclusion could leave the contractor financially exposed.

Here are the most common types of pollution claims:

• Storage Tank Leaks: Excavation work may strike underground fuel or waste tanks, contaminating the soil.
• Struck Natural Gas Lines: Digging near unmarked lines can cause explosions or evacuations.
• Transport Spills: Spills during transit (e.g., fuel, concrete) can lead to environmental damage.
• Machinery Fuel Leaks: Undetected fuel or oil leaks can contaminate soil or water.
• Asphalt and Tack Coat Runoff: Rain can wash these materials into storm drains, triggering cleanup requirements.
• Asbestos Exposure: Improper demolition practices in older buildings may release asbestos fibers.
• Dust Pollution: Silica or mineral-based construction dust can lead to respiratory issues and liability.
• Construction Runoff: Paint, fuel, or cement runoff into nearby waterways can harm ecosystems.
• Mold Growth: Plumbing, roofing, or waterproofing work that fails may cause mold infestations.
• Legionella Contamination: HVAC and plumbing systems can foster Legionella bacteria, which pose serious health risks.

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Insurance Coverage Gaps

If a pollution event causes harm or environmental damage, a standard commercial general liability policy likely will not cover the associated costs. These can include:

• Environmental cleanup
• Legal defense fees
• Court judgments and settlements
• Third-party bodily injury or property damage

To fill this gap, contractors should carry contractors environmental liability insurance. This specialized policy can cover:

• Third-party bodily injury and property damage
• Cleanup and remediation expenses
• Legal defense costs (including attorneys’ fees, settlements, and court judgments)

It also provides protection for both sudden and gradual pollution events:

• Sudden Pollution: Immediate incidents like spills, leaks, or explosions
• Gradual Pollution: Long-term issues like mold, Legionella growth, or ongoing site runoff

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Action Steps for Contractors

1. Identify Exposures: Determine if your work involves asbestos, mold, PFAS, or soil/water disturbance.
2. Purchase Proper Insurance: Secure contractors environmental liability insurance in addition to general liability coverage.
3. Train Staff: Provide certification and safety training for asbestos, mold, or hazardous chemical handling.
4. Implement Safe Practices: Follow all hazardous material laws and use proper disposal methods.
5. Use Contract Clauses: Require subcontractors to carry their own environmental liability insurance.

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About BGES Group

BGES Group is one of the Tri-State Area’s leading Construction Insurance Specialists. Serving New York, New Jersey, and Connecticut, we represent 50+ companies, including the top general and umbrella liability programs. We offer comprehensive insurance solutions including:

• General Liability & Umbrella
• Property & Builders Risk
• Inland Marine
• Auto Insurance
• Bid & Performance Bonds
• Workers’ Compensation
• NYS Disability
• Group Health Plans

Our Commitment: We’re always just a call, text, or email away—even on weekends. We help you navigate insurance challenges so your business stays protected.

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Workers’ Compensation Expertise

We specialize in helping Tri-State business owners solve difficult workers’ comp issues:

• High premiums or cancellations
• Claims or losses affecting coverage
• Payroll misclassification
• Audit disputes

We offer exclusive programs for:

• Auto Services
• Contractors (especially in NY)
• Limousine & Trucking Companies
• Logistics Providers
• Recyclers & Manufacturers

If we can qualify you for our preferred program, you’ll enjoy:

• Competitive pricing
• Multi-state coverage
• Hassle-free audits
• Long-term stability

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Contact Us

Gary Wallach
📞 914-806-5853
📧 Email Us
🌐 www.bgesgroup.com

BGES Group
216A Larchmont Acres West
Larchmont, NY 10538