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BGES Group: Your Trusted Partner for Comprehensive Business Auto Insurance Coverage in New York

For New York contractors, navigating the complex landscape of business auto insurance coverage can be overwhelming. The risks associated with running a construction business demand a robust insurance policy that safeguards not only the contractor’s vehicles but also their employees, assets, and financial interests. This is where BGES Group comes to the rescue. As New York construction experts, BGES Group represents a multitude of reputable insurance companies, offering tailor-made solutions for contractor auto insurance needs. In this writing, we will delve into the various coverages that BGES Group provides to protect contractors and their businesses effectively.

1. Liability Coverage

Liability coverage is the foundation of any business auto insurance policy. It protects contractors from financial losses resulting from bodily injury or property damage caused by their company vehicles. When accidents happen, the cost of medical expenses and property repairs can escalate quickly. With BGES Group’s liability coverage, New York contractors can rest assured that they have a strong financial safety net.

2. Employers Auto Non-Owned and Hired Car Coverage

In the construction industry, contractors often rely on employees using their personal vehicles for work-related tasks or rent vehicles for specific projects. Employers Auto Non-Owned and Hired Car Coverage from BGES Group provides protection when these non-owned or rented vehicles are involved in accidents during business operations.

3. Medical Payments Coverage

Accidents can result in injuries to drivers and passengers alike. Medical Payments Coverage from BGES Group covers the necessary medical expenses for injuries sustained by those inside the contractor’s company vehicles, regardless of fault. This essential coverage ensures that everyone involved receives timely medical attention without causing a financial burden to the business.

4. No-Fault Coverage

New York is a no-fault insurance state, which means that personal injury protection is required for all vehicles. BGES Group offers No-Fault Coverage that pays for medical expenses, lost wages, and other necessary services, regardless of fault, in the event of an accident involving a company vehicle. This coverage minimizes the potential for lengthy and costly legal battles.

5. Uninsured and Underinsured Motorist Coverage

Despite the legal requirement for auto insurance, there are still uninsured and underinsured drivers on the roads. BGES Group’s Uninsured and Underinsured Motorist Coverage protects contractors if they are involved in an accident with a driver who lacks sufficient insurance coverage or has none at all. This coverage ensures that contractors are not left to bear the financial burden in such unfortunate circumstances.

6. Comprehensive Fire and Theft Coverage

In the event of vehicle damage or loss due to fire or theft, Comprehensive Fire and Theft Coverage from BGES Group offers much-needed financial support. This coverage extends beyond accidents and safeguards contractors’ vehicles from various unforeseen perils.

7. Collision Coverage

Collisions are a common risk faced by contractors on the road. BGES Group’s Collision Coverage pays for repairs or replacement of company vehicles involved in accidents with other vehicles or objects. With this coverage in place, contractors can focus on their work without worrying about expensive repair bills.

8. Rental Reimbursement Coverage

When a contractor’s vehicle is being repaired due to an accident, Rental Reimbursement Coverage from BGES Group provides the necessary funds to rent a temporary replacement vehicle. This ensures that contractors can continue their operations without any major disruptions, minimizing downtime and potential loss of income.

9. Towing Coverage

Breakdowns and accidents can happen unexpectedly, leaving contractors stranded on the road. BGES Group’s Towing Coverage ensures that assistance is just a phone call away, covering the costs of towing and related services to get vehicles back on track swiftly.


For New York contractors, securing comprehensive business auto insurance coverage is vital to protect their assets, employees, and financial stability. BGES Group’s expertise in the construction industry, coupled with its representation of numerous reputable insurance companies, makes them the ideal partner to address contractor auto insurance needs. From liability and medical payments to collision and towing coverage, BGES Group offers a wide array of solutions to suit every contractor’s requirements. With BGES Group by their side, New York contractors can confidently focus on their core business, knowing they have a reliable and robust insurance policy to back them up in times of need.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

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



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