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

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Two Big Things You Need to Know

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

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

Here’s what the endorsement does:

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

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

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

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

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

Without proper coverage, you face two serious risks:

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

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

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

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

Here’s why MSC is worth considering:

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

Requirements for MSC Eligibility:

To participate, your business must:

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

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How BGES Group Can Help You

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

Who We Are

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

What We Do for You

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

Contact BGES Group Today

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

Gary Wallach at 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

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

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

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

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

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Why BGES Group Is the Go-To Workers Compensation Specialist

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

Here’s what sets us apart:

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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What Business Owners Say About BGES Group

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

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

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

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

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

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

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The Bottom Line for Tri-State Business Owners

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

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

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Contact BGES Group Today

📍 BGES Group

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

📞 Call: Gary Wallach at 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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

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

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

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

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

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

2. Certificates of Insurance Issued Fast

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

3. Access to Top Construction Insurance Programs

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

4. Expertise in the Toughest Markets

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

5. Tailored Policies – No Cookie Cutter Coverage

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

6. Advocacy at Claim Time

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

7. Transparent and Honest Advice

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

8. Family-Style Service

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

9. Proven Track Record

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

10. Competitive Pricing Without Cutting Corners

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

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What Contractors Are Saying: 5 Google Reviews

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

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

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

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

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

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

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Why BGES Group is Different From Other Agencies

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

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

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

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

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

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Contact BGES Group Today

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

📍 BGES Group

Specialists in New York Construction Insurance

🌐 Website: http://www.bgesgroup.com

📞 Contact: Gary Wallach

📱 Cell: 914-806-5853

📧 Email: bgesgroup@gmail.com

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Final Thoughts

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

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

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

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10 Common Problems BGES Group Can Solve for You

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

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

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

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

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

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

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

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

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

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

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What Our Clients Say: Real Google Reviews

⭐️⭐️⭐️⭐️⭐️

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

⭐️⭐️⭐️⭐️⭐️

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

⭐️⭐️⭐️⭐️⭐️

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

⭐️⭐️⭐️⭐️⭐️

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

⭐️⭐️⭐️⭐️⭐️

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

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Why BGES Group Is Different

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

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

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

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

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

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

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Contact BGES Group Today

Stop overpaying and start getting the service you deserve.

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

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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

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

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

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

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

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10 Reasons to Work With BGES Group

1. They Answer the Phone on the First Ring

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

2. They Market Your Account Aggressively

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

3. Certificates of Insurance Issued Immediately

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

4. Decades of Knowledge and Experience

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

5. Trustworthy Advisors

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

6. No Mood Swings or Excuses

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

7. They Specialize in New York Construction

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

8. They Fight for Claims Support

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

9. They Understand the Pressures Contractors Face

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

10. Personalized Service—Never Cookie Cutter

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

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What Contractors Are Saying

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

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

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

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

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

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

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Why Choosing the Right Insurance Partner Matters

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

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

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

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Ready to Experience the BGES Difference?

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

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

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

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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

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

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

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

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10 Reasons to Choose BGES Group for Workers’ Compensation Insurance

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

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

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

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

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Five Examples of How Businesses Can Be Helped

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

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

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

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

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

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Partner with BGES Group Today

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

Contact BGES Group today to discuss your situation:

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

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

If you’re a contractor in New York, you already know how complicated—and expensive—insurance can be. Between strict labor laws, demanding project owners, and the constant risk of accidents, your business is exposed on many fronts. Contractors often ask the same questions about three key coverages: general liability, umbrella liability, and workers’ compensation.

Below, we’ve gathered 15 of the most common questions New York contractors have about these policies, along with clear answers to help you protect your business.

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General Liability Questions

1. What exactly does general liability insurance cover?

General liability protects your business if your work causes bodily injury, property damage, or personal/advertising injury to others. For contractors, this usually means injuries to third parties, damage to client property, or lawsuits related to your completed work.

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2. How does New York Labor Law affect my general liability?

New York’s Labor Laws 240, 241, and 200 make contractors and building owners liable for most construction-related accidents, especially falls from heights. Many insurers exclude or heavily restrict this coverage, which is why having the right policy is crucial.

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3. What is a “completed operations” exposure?

Once a project is finished, your liability doesn’t end. If your work later causes damage or injury (for example, faulty wiring leading to a fire), you could face a completed operations claim. Your policy must specifically include this coverage.

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4. Do subcontractors need to carry their own general liability?

Yes—without it, you’re fully responsible for their mistakes. Every subcontractor should provide a certificate of insurance naming you as an additional insured. Otherwise, their claims may fall back on you.

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5. How much general liability coverage should I carry?

Most New York contractors carry at least $1M per occurrence and $2M aggregate. But many project owners now require higher limits, which is where an umbrella policy comes in.

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Umbrella Liability Questions

6. What does an umbrella policy cover?

Umbrella liability sits on top of your general liability, commercial auto, and employers’ liability policies. It provides extra limits of protection if a claim exceeds the underlying policy’s limit.

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7. Why do contractors in New York often need umbrellas?

Because claim costs here are higher than almost anywhere else. With Labor Law lawsuits routinely reaching into the millions, a $1M general liability policy is often not enough. An umbrella ensures your business isn’t bankrupted by one big claim.

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8. How much umbrella coverage do I need?

It depends on your project size and contractual requirements. Many mid-sized contractors carry $5M, while larger firms may need $10M or more. GCs and owners often specify the required amount in contracts.

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9. Are umbrella policies all the same?

No. Some umbrellas exclude New York Labor Law coverage or have hidden restrictions. Always review the fine print—otherwise you might think you’re protected, only to find an exclusion blocks coverage when you need it most.

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10. Can an umbrella cover subcontractor work?

Yes, but only if the subcontractor is properly insured and your contract requires them to name you as an additional insured. Otherwise, your umbrella could end up paying for their mistakes.

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Workers’ Compensation Questions

11. Who needs to carry workers’ compensation in New York?

Any business with employees—even one part-timer—must carry workers’ comp. In construction, the rules are even stricter: subs and day laborers are often considered your employees for comp purposes if they’re uninsured.

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12. Are 1099 contractors covered by my policy?

If they work under your direction and do not have their own valid workers’ comp, the state may consider them your employees. If they get hurt, you could be responsible. This is one of the biggest areas of confusion (and surprise premium charges) for contractors.

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13. How are workers’ comp premiums calculated?

Premiums are based on payroll, job classification codes, and your company’s claims history. For contractors, rates vary depending on the trade—for example, carpentry is more expensive than clerical work. Insurers audit your records each year to verify payrolls and classifications.

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14. Can I reduce my workers’ comp costs?

Yes. You can:

• Properly classify employees and subs

• Maintain strong safety programs to reduce injuries

• Work with a broker who challenges unfair audit findings

• Consider a pay-as-you-go program to avoid big audit bills

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15. What happens if I don’t carry workers’ comp?

In New York, penalties are severe. You can face fines, stop-work orders, lawsuits, and even personal liability if an uninsured worker is injured. For contractors, operating without comp is a risk that can destroy your business.

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Why Contractors Choose BGES Group

Having the right policies is only part of the solution. You need a broker who understands New York construction inside and out—someone who knows the difference between a policy that looks good on paper and one that actually protects you in court.

That’s where BGES Group comes in.

We specialize in New York construction insurance—it’s not a sideline, it’s our focus. Contractors work with us because:

• We know the risks you face. Labor Law claims, subcontractor issues, audits—this is our daily world.

• We deliver personal, boutique-style service. You won’t be stuck with call centers or shuffled between departments. You’ll deal directly with someone who knows your account.

• We handle the details. From reviewing subcontractor certificates to making sure your umbrella covers Labor Law, we catch what others miss.

• We fight for you. Whether it’s negotiating premiums, fixing audits, or helping during a claim, we’re in your corner.

• We give peace of mind. Our contractors tell us they finally sleep better knowing their insurance program is solid.

While many agencies have become “factory-like” and impersonal, BGES Group still works the old-fashioned way: one contractor at a time, with care, speed, and expertise.

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Contact BGES Group Today

Don’t wait until a claim or audit exposes gaps in your coverage. Protect your company with the right liability and workers’ comp program designed specifically for New York contractors.

📞 Gary Wallach

BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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👉 New York contractors, you build projects that last. Let BGES Group build the insurance protection your business deserves.

New York contractors face a unique challenge that contractors in most other states do not: Labor Laws 240 and 241. These statutes have been called “Scaffold Laws” and are some of the strictest construction-related liability laws in the country. If you’re a contractor working in New York, it’s not just important to understand these laws—it’s critical to make sure your insurance is set up correctly to protect you from devastating financial loss.

In this article, we’ll break down the laws, provide real-world claim examples, explain how liability shifts depending on whether insurance and hold harmless agreements are in place, and show you how your Commercial General Liability (CGL) policy must be structured to ensure you have coverage. Finally, we’ll introduce how BGES Group can help you navigate these complexities when your insurance comes up for renewal.

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Understanding New York Labor Laws 240 and 241

• Labor Law 240 (Scaffold Law):

This law places absolute liability on property owners and general contractors when a worker suffers injury or death from a gravity-related accident, such as a fall from a height or being struck by a falling object. The key point here is that workers do not have to prove negligence. If proper safety devices (scaffolds, hoists, harnesses, ladders) were not provided, the owner and GC are automatically liable.

• Labor Law 241:

This statute relates to maintaining safe construction, demolition, and excavation sites. It requires that specific safety rules and standards be followed. Violations can result in liability for owners and contractors if an injury occurs.

Together, these laws are the backbone of New York’s worker protection system—but they also expose contractors and owners to lawsuits with little defense.

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Example Claims with Insurance and Hold Harmless Agreements in Place

Assume the following structure:

• Building Owner hires a General Contractor (GC).

• GC subcontracts work to several subcontractors.

• Insurance requirements and hold harmless/indemnification agreements are properly in place.

Claim #1: Roofer Falls from Scaffold

A roofing subcontractor’s employee falls from improperly secured scaffolding, suffering severe injuries.

• Under Labor Law 240, the Building Owner and GC are automatically liable.

• Because of the hold harmless agreement, the subcontractor’s insurance steps in to defend and indemnify the GC and Owner.

• The GC’s risk is greatly reduced, and the Owner’s liability is passed downstream.

Claim #2: Falling Object on Masonry Job

A mason’s employee is struck by a falling brick from above.

• Labor Law 240 applies since it’s a gravity-related injury.

• The subcontractor’s insurance and indemnity agreement provide defense for the GC and Owner.

• The GC’s CGL policy is protected from direct payout, keeping losses contained.

Claim #3: Excavation Cave-In

An excavation worker is injured when a trench collapses.

• Labor Law 241 applies because safety standards for excavation weren’t followed.

• The subcontractor’s policy responds due to contractual indemnity.

• The GC and Owner still face involvement but are financially shielded by proper agreements.

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Example Claims with No Insurance or Hold Harmless Agreements

Now let’s imagine the same accidents—but without insurance requirements or indemnity agreements.

Claim #1: Roofer Falls from Scaffold

The roofer’s subcontractor has no insurance and no indemnification agreement.

• The injured worker sues the Owner and GC.

• Without downstream protection, the GC’s and Owner’s insurance must defend and pay damages.

• The GC’s loss history is hit hard, leading to skyrocketing premiums or non-renewal.

Claim #2: Falling Object on Masonry Job

Same falling brick accident—but the subcontractor lacks insurance.

• The Owner and GC are held directly responsible.

• The GC’s CGL policy responds, but the entire judgment may fall on the GC.

• Out-of-pocket exposure is possible if policy limits are insufficient.

Claim #3: Excavation Cave-In

A trench collapse injures a worker, but the subcontractor is uninsured.

• The worker sues both the GC and Owner.

• With no indemnity in place, liability cannot be transferred.

• Both the GC and Owner face multimillion-dollar exposure, with insurance carriers possibly fighting over coverage.

Bottom line: Without proper insurance and hold harmless agreements, the GC and Owner become the ultimate insurers of every subcontractor’s workforce.

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Your Commercial General Liability Policy and Labor Law Coverage

Most New York contractors assume their CGL policy will protect them if a Labor Law 240 or 241 claim arises. Unfortunately, this is not always true. Many policies contain exclusions that strip away coverage for the very claims most likely to happen in New York construction.

To protect yourself, your policy must:

1. Cover Action Over Claims:

These are lawsuits where an injured worker sues the Owner or GC, and the Owner/GC then brings action against the subcontractor. If your policy has an “Action Over Exclusion,” coverage may be denied.

2. Avoid Employee Injury Exclusions:

If your policy excludes injuries to employees or subcontractors’ employees, you could be left paying damages personally.

3. Provide Broad Contractual Liability Coverage:

Limited contractual liability coverage may not respond to indemnity agreements you’ve signed with Owners or GCs. You need full contractual liability coverage so your insurance can defend and indemnify as promised.

In short: If your policy has any of these exclusions—Action Over, Employee Injury, or Limited Contractual Liability—you may have no coverage for a Labor Law claim.

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Why Contractors Choose BGES Group

More and more New York contractors are coming to BGES Group because we know the ins and outs of Labor Law exposure and contractor liability coverage. Unlike “factory-style” agencies that treat clients like numbers, BGES Group offers boutique-level service. We carefully review your policies, spot dangerous exclusions, and make sure your coverage is structured to protect your business—not leave you exposed.

When your policies come up for renewal, don’t just accept what your broker hands you. Labor Law claims are among the costliest exposures in the country. One uncovered claim could bankrupt your business.

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Contact BGES Group Today

BGES Group specializes in New York construction insurance. We know how to protect contractors from the hidden dangers of Labor Laws 240 and 241.

📞 Call Gary Wallach: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: http://www.bgesgroup.com

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✅ Protect your business. Review your coverage. Don’t leave your future to chance.

Running a contracting business in New York is challenging enough without having to worry about whether your insurance agency is doing its job. Unfortunately, many contractors are unknowingly putting their business at risk because their agency is failing them in ways they don’t even realize.

If you’re tired of rising premiums, poor service, and mistakes that could cost you big at claim time, here are 10 things your insurance agency doesn’t want you to know — and how BGES Group is different.

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1. They Don’t Market Your Account at Renewal

When your insurance policy is up for renewal, you probably assume your agency is shopping your account to multiple carriers to find you the best pricing and coverage. The truth? Many agencies simply let your policy renew with the same company — even if you face a double-digit premium increase.

You could be missing out on better options that could save your business thousands of dollars annually.

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2. Your Account Executive is Overloaded

The account executive servicing your account might be managing 150 to 200 accounts at once. That means limited time for reviewing your policies, strategizing ways to lower your costs, or even answering your questions promptly. When your account is just one of hundreds, you’re not getting the attention you deserve.

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3. Constant Turnover of Account Executives

High turnover is common in the insurance industry. Your account executive today may be gone tomorrow. Each time someone new takes over, they have to learn your business from scratch — and in the meantime, details get lost, mistakes get made, and service quality suffers.

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4. Poorly Trained Account Executives

While account executives often know more than their clients, many are still undertrained. This lack of expertise can result in you getting subpar advice, missed coverage gaps, or policies that don’t truly protect you. A single oversight can expose your business to major financial loss.

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5. They Don’t Understand Your Policy Forms

Contractors often rely on their agencies to ensure that their insurance meets the requirements of each job contract. Unfortunately, many account executives don’t fully understand the forms attached to your liability policies.

Take “Blanket Additional Insured Coverage,” for example. You might think it covers all the parties required by each job contract — but that’s not always the case. You could find out at the worst possible time: when a claim arises, or when payment for your work is delayed because your coverage wasn’t correct.

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6. Slow Response Times

When you need help, you need it fast — whether it’s a certificate of insurance, advice about a claim, or clarification on your coverage. But with many agencies, getting someone on the phone can feel impossible. Emails may sit unanswered for hours, even days, leaving you frustrated and potentially jeopardizing your contracts.

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7. Unnecessary Policy and Service Fees

Some agencies quietly tack on thousands of dollars in policy and service fees. These fees are pure profit for the agency and do nothing to improve your coverage or service. Many contractors are paying far more than necessary without even realizing it.

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8. Your Account is Ignored Post-Renewal

For many agencies, once your policy is renewed, they won’t touch it again until the next renewal period. This “set it and forget it” approach means that important changes in your business or risk profile go unnoticed — leaving you exposed until something bad happens.

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9. Agencies Don’t Double-Check Policies

When your policies are issued, they need to be carefully reviewed for accuracy. Many agencies skip this step. Errors such as incorrect limits, wrong job classifications, or missing endorsements could leave you uninsured when you need coverage most.

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10. Incompetence Runs Rampant

It’s not pleasant to hear, but incompetence is widespread in the insurance industry. Many employees simply don’t have the experience, training, or commitment to handle your account effectively. The result? Frustration, higher costs, and unnecessary risk.

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There’s a Better Way – BGES Group

If you’ve experienced even a few of these problems, it’s time for a change. BGES Group specializes in contractor insurance and offers the exact opposite of what’s described above.

When you work with BGES Group, you get:
✅ Active marketing of your account at every renewal – We shop your policies with over 50 top carriers and programs to get you the best coverage and pricing.
✅ Personalized service – You work directly with Gary Wallach, who knows your account inside and out.
✅ Fast response times – Call, text, or email — even on weekends — and you’ll get the help you need quickly.
✅ Expert policy review – We check every policy and endorsement so you’re never surprised at claim time.
✅ No unnecessary fees – We focus on saving you money, not adding to your costs.

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About BGES Group

BGES Group is one of the leading construction insurance specialists serving New York, New Jersey, and Connecticut. We represent over 50+ companies and offer the very best general liability and umbrella programs. Our coverages include:

• Property & Builders’ Risk
• Inland Marine
• General Liability & Umbrella Liability
• Commercial Auto
• Bid & Performance Bonds
• Workers’ Compensation & N.Y.S. Disability
• Group Health Insurance

We don’t just sell policies — we partner with you to protect your business, keep costs under control, and make sure you’re covered correctly.

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Workers’ Compensation Specialists

Are you unhappy with your workers’ compensation rates, company, or audits? Are you being canceled or having trouble getting coverage because of losses? BGES Group can help.

We have special programs for contractors, auto services, logistics companies, recyclers, and more. Our preferred program offers:

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

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Get in Touch

If you’re ready to work with an agency that cares about your business and fights for you, contact BGES Group today.

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

Like a trusted friend referring a good resource, take a moment to read BGES Group’s Google Reviews and see what other contractors are saying. You’ll quickly see why so many business owners trust us with their insurance.

Workers’ compensation insurance is one of the most important coverages for New York business owners. It protects employees by covering medical bills and lost wages when injuries occur on the job—and it protects employers by limiting lawsuits from workplace accidents.

Yet many business owners don’t fully understand how the rules work, especially when it comes to contractors, cash workers, and cross-state employment. Misunderstandings can lead to severe financial penalties, uncovered claims, and potential lawsuits.

Below are ten of the most common—and often misunderstood—questions about workers’ compensation insurance in New York, along with clear answers every business owner should know.

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1. Are independent contractors covered if they don’t have their own insurance?

Generally, independent contractors are not automatically covered under your policy. However, New York has very strict definitions of who qualifies as an “independent contractor.” If they are working under your direction, using your tools, and not operating an independent business of their own, the Workers’ Compensation Board may reclassify them as your employee. If they don’t carry their own valid workers’ comp insurance, you could be held liable.

Takeaway: Always obtain a certificate of insurance from independent contractors showing proof of coverage—or risk being responsible for their claims.

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2. Are day laborers covered if paid in cash?

Yes. The method of payment does not matter. If you hire someone to perform work—even for a single day—and they are injured, they are considered your employee under the law. Paying cash does not exempt you from workers’ compensation requirements. In fact, the Workers’ Compensation Board frequently targets cash payrolls for audits and penalties.

Takeaway: If you’re using day labor, make sure they are properly insured or run the risk of uncovered claims and significant fines.

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3. Are 1099 workers covered if they do not have insurance?

Much like independent contractors, 1099 status does not protect you if the worker is really functioning as an employee. The IRS and the New York Workers’ Compensation Board apply different tests, but if the worker is under your supervision and does not have their own workers’ comp, you will be treated as their employer.

Takeaway: If you issue 1099s, double-check that these workers truly qualify as independent. If not, you must provide coverage.

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4. If a company has their workers’ comp with the New York State Insurance Fund and the employee works in New Jersey for a couple of weeks, then is injured and files a claim in New Jersey because they live there, would they have coverage?

This is a tricky situation. Most New York workers’ comp policies—especially through the State Insurance Fund—only provide coverage for work in New York. If the employee was temporarily working in New Jersey and files their claim there, coverage may not apply. To avoid this problem, your policy should include Other States Coverage or a separate New Jersey policy.

Takeaway: If your employees ever work outside New York, talk to your broker about multi-state coverage.

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5. What happens if a worker gets injured, comes back to work the next day, then after 45 days disappears and 8 months later they file a workers’ comp claim directly with the Workers’ Comp Board?

New York law generally gives employees two years to file a claim. Even if they seemed fine after the injury, they can still file later. As long as they can demonstrate the injury was work-related and notify the Board, the claim may be valid.

Takeaway: Always document every workplace incident, no matter how minor. File a First Report of Injury with your carrier to protect your business in case of delayed claims.

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6. Are owners, partners, and members of an LLC automatically covered under workers’ comp?

No. In New York, sole proprietors, partners, and members of an LLC are not automatically covered. They must elect to cover themselves. This can be critical for businesses where the owner also performs physical work.

Takeaway: If you’re actively working in your business, strongly consider electing coverage for yourself.

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7. What are the penalties for not carrying workers’ compensation insurance in New York?

The penalties are severe. Businesses without coverage face fines of up to $2,000 for every 10 days of noncompliance. In addition, owners can be held personally liable for medical bills and lost wages of injured workers. Criminal charges are also possible.

Takeaway: Never let your workers’ comp lapse—even for a short period.

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8. If an employee is intoxicated or using drugs when injured, will workers’ comp still cover them?

In most cases, yes. Workers’ comp in New York is a no-fault system, which means benefits are generally paid regardless of who is to blame for the accident. The only exceptions are if the injury was intentional or caused by a deliberate attempt to harm oneself or others.

Takeaway: Do not assume intoxication disqualifies a claim. Carriers may reduce benefits in some cases, but coverage usually still applies.

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9. Can an employee sue their employer even if workers’ compensation benefits are provided?

Generally, no. Workers’ comp is designed to be the exclusive remedy for workplace injuries. However, employees may still sue if the employer failed to carry insurance or in rare cases involving gross negligence.

Takeaway: Having proper coverage protects you from lawsuits. Without it, you are exposed to both claims and lawsuits.

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10. Are volunteers covered under workers’ comp?

In most cases, volunteers are not covered, unless specifically included under the policy or required by law (for example, volunteer firefighters). However, if you “pay” volunteers in any way—cash, gift cards, stipends—they may be deemed employees.

Takeaway: Clarify with your carrier whether volunteers are included or excluded, and avoid offering payments that could trigger employee classification.

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Final Thoughts

Workers’ compensation is not just a legal requirement in New York—it’s a vital protection for your business. Misclassifying workers, ignoring cash labor, or failing to secure multi-state coverage can expose you to devastating claims and penalties.

By understanding how the system works and closing coverage gaps, you can protect both your employees and your company’s future.

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About BGES Group

At BGES Group, we are workers’ compensation insurance specialists covering New York businesses of all sizes and industries. Unlike large, factory-style agencies, we provide personal, boutique-level service that business owners love. We review your policies in detail, identify gaps, and make sure you’re fully protected while keeping costs manageable.

If you’re a contractor, small business owner, or company with workers in multiple states, you need an insurance partner who understands the complexities of New York workers’ comp. That’s us.

📞 Contact: Gary Wallach

📧 Email: bgesgroup@gmail.com

📱 Phone: 914-806-5853

🌐 Website: www.bgesgroup.com