For contractors in today’s construction market, one of the biggest challenges is figuring out how much liability insurance is “enough.” Between client demands, complex contracts, and the risks that come with every job site, it’s not as simple as buying a standard Commercial General Liability (CGL) policy and calling it a day. The truth is, your liability limits can make or break your ability to secure projects, protect your business, and avoid costly disputes.

In this article, we’ll break down what contractors should consider when deciding on liability limits, how contract requirements play a role, why additional insured endorsements matter, and what it means for your protection when others are named on your policy. Finally, we’ll introduce you to BGES Group, a trusted insurance partner serving contractors in New York, New Jersey, and Connecticut.

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Why Liability Insurance Matters More Than Ever

Every project you take on carries inherent risks—bodily injury, property damage, completed operations claims, and more. Liability insurance is designed to protect you from lawsuits and claims that could otherwise cripple your business.

But here’s the catch: liability insurance isn’t just about covering accidents. It’s about meeting client requirements and positioning yourself as a professional, reliable contractor who can take on bigger, better jobs. Without adequate coverage, you risk losing contracts or facing devastating out-of-pocket costs.

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Contract Requirements: The First Factor to Consider

For most contractors, liability limits aren’t determined by preference—they’re dictated by the contracts you sign.

• Owner and Developer Requirements: Many project owners will specify the minimum CGL limits required before you can step foot on the job. A small residential remodel may only require $1 million per occurrence, while a commercial development might demand $5 million or more in total coverage.
• Municipal and Government Work: Public projects often have stricter insurance requirements, including higher limits and specific endorsements, before permits are even issued.
• General Contractor/Subcontractor Agreements: If you’re a subcontractor, your general contractor may require that you carry equal or greater limits than they do, plus name them as an additional insured.

Bottom line: before bidding on any job, carefully review the insurance provisions in the contract. This will help you determine whether your existing policy is sufficient—or if you need to increase your limits to compete.

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Project Size and Scope: Tailoring Coverage to the Job

Even if your contracts don’t specify limits, the type of work you perform should guide your decision.

• Small Jobs: Residential repairs or maintenance work may only justify lower liability limits.
• Mid-Size Projects: Facade restoration, roofing, or interior renovations typically require higher limits due to greater exposure.
• Large-Scale Construction: Ground-up builds, structural work, or projects with cranes and heavy equipment can present multimillion-dollar risks, often requiring excess liability (umbrella) policies.

A good rule of thumb: the bigger the job, the higher the limits you should carry.

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Additional Insureds: Transferring Liability—But at a Cost

One of the most overlooked parts of liability insurance is the additional insured requirement.

When you name a client, general contractor, or property owner as an additional insured, you are extending your insurance protection to them. This is designed to transfer liability away from them and onto you.

For example, if a third party sues both you and the property owner for a jobsite accident, your insurance could end up defending and paying on their behalf.

While this is standard in construction, contractors often don’t realize the downside:

• Shared Limits: Every dollar spent defending or indemnifying an additional insured comes out of your policy limits.
• Depleted Protection: If multiple parties are added as additional insureds—and claims arise—you could see your own coverage depleted before it’s needed to defend your business.
• Ongoing Obligations: Some contracts require that you keep the client listed as an additional insured even after the project is completed, exposing you to long-tail risks.

This doesn’t mean you can avoid granting additional insured status. But it does mean you need to carefully weigh your limits and possibly increase them to ensure you’re not left exposed.

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Balancing Risk Transfer and Self-Protection

In construction, risk transfer is part of the game. You’ll transfer some risks downstream to subcontractors, while upstream parties will push them onto you. The key is to strike a balance:

• Get Certificates from Subcontractors: If you use subcontractors, require proof of insurance naming you as an additional insured.
• Review Contracts Before Signing: Don’t blindly accept terms that overextend your liability.
• Work with an Insurance Professional: A knowledgeable broker can help negotiate terms, secure endorsements, and structure your coverage so that you’re not carrying more than your fair share.

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So, How Much Liability Coverage Do Contractors Need?

There’s no one-size-fits-all answer, but here’s a practical framework:

1. Start with at least $1,000,000 per occurrence / $2,000,000 aggregate—the industry baseline for most contractors.
2. Add excess liability (umbrella) coverage to meet contractual demands or if you regularly work on larger projects. Limits can range from $2 million to $10 million or more, depending on the job size.
3. Adjust based on contracts and project type. Always let your work and your clients’ requirements guide your limits.

Remember: the cost of carrying higher limits is small compared to the financial devastation of an uncovered claim.

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Who We Are: BGES Group

At BGES Group, we specialize in serving contractors just like you. For decades, we’ve helped construction businesses across New York, New Jersey, and Connecticut secure the liability protection they need to compete, grow, and thrive.

Our team understands the unique challenges contractors face—contract requirements, certificates of insurance, additional insured endorsements, and risk transfer. We know the local market, the carriers, and the pitfalls that trip up contractors who try to navigate insurance on their own.

When you work with BGES Group, you get more than just a policy. You get a partner who will:

• Review your contracts and advise on insurance requirements.
• Help you structure your coverage to protect against both jobsite risks and additional insured obligations.
• Provide fast turnaround on certificates so you never lose time waiting for paperwork.
• Offer guidance on risk management so you can reduce claims and keep premiums competitive.

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Contact BGES Group Today

If you’re a contractor in New York, New Jersey, or Connecticut and you’re asking yourself, “Do I have enough liability coverage?”—it’s time to talk to BGES Group.

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

Don’t leave your business exposed. Let BGES Group help you determine the right coverage, navigate complex requirements, and secure the protection you need to grow with confidence.

New York is one of the toughest states in the country for contractors when it comes to business insurance. One major reason is Labor Law 240/241, better known as the Scaffold Law. This unique law places absolute liability on contractors and property owners for gravity-related accidents—falls from heights or falling objects—even if the worker was partially or fully at fault.

Unlike most states where comparative negligence applies, in New York, if a worker is injured in a fall, the contractor and property owner are almost always responsible. The result? Higher claims, more lawsuits, and skyrocketing insurance premiums. For contractors, understanding how this law impacts general liability coverage is critical to staying in business.

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How the Scaffold Law Impacts Contractor General Liability Rates

Insurance companies know that New York’s Scaffold Law leads to frequent, costly claims. Jury awards often run into the millions of dollars. Because of this:

• General liability premiums are much higher in New York compared to other states.

• Many carriers will not write coverage at all for contractors working in the five boroughs.

• Some insurers impose strict underwriting guidelines, requiring detailed safety programs and strong contractual risk transfer with subcontractors.

For a contractor, this means insurance costs can easily be one of your largest business expenses—sometimes more than payroll or equipment financing.

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Exclusions That Can Leave Contractors Exposed

Even when you secure general liability coverage, you need to carefully review the policy exclusions. Insurance carriers often use endorsements to limit their exposure under the Scaffold Law. If you’re not careful, you may think you’re covered when you’re not. Here are three of the biggest exclusions New York contractors must watch for:

1. Height Restrictions

Some policies exclude coverage for work above a certain number of feet—often two stories or 15 feet. This type of exclusion is devastating for roofers, scaffold erectors, steel workers, and any contractor involved in multi-story buildings. A single uncovered claim could bankrupt a business.

2. Employee Injury Exclusions

General liability insurance is designed to cover third-party claims, not injuries to your own employees—that’s what workers’ compensation is for. However, insurers sometimes broaden this exclusion, removing coverage for injuries to employees of subcontractors or anyone considered an employee by law. Under the Scaffold Law, these exclusions can leave contractors without protection when a subcontractor’s worker files a claim.

3. Action Over Exclusions

One of the most dangerous endorsements contractors face in New York is the Action Over Exclusion. This eliminates coverage for lawsuits brought by injured employees or subcontractor employees who sue an owner, developer, or general contractor—and then that party brings action “over” against your company.

Here’s why it matters:

• Scaffold Law claims are almost always action over claims.

• Even if you have workers’ comp, an injured worker can sue the owner or GC, who then brings you into the lawsuit.

• If your policy has an action over exclusion, your insurance company may deny the claim outright—leaving you with no coverage for legal defense or damages.

This single exclusion has bankrupted contractors who thought they were covered.

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Why Standard Policies Aren’t Enough in New York

Because of these exclusions, a “standard” general liability policy is often inadequate for New York contractors. You need to work with a broker who:

• Knows which carriers will write Scaffold Law–exposed risks.

• Can negotiate broader coverage without dangerous exclusions.

• Understands how contracts with general contractors, owners, and municipalities affect your insurance requirements.

Choosing the wrong broker or relying on a cheap policy that looks good on paper can destroy your business when a claim happens.

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How BGES Group Protects New York Contractors

This is where BGES Group comes in. For over 44 years, BGES Group has specialized in helping contractors navigate New York’s complex insurance landscape. We’re not a large, impersonal agency where one account executive manages 200 accounts. At BGES Group:

• Personalized Service: Our account executives typically handle fewer than 50 accounts each, meaning you get the attention and expertise your business deserves.

• New York Construction Experts: Unlike generalist agencies, we live and breathe New York construction insurance. We know the carriers, the exclusions, and the strategies to get you the best protection at the best rates.

• Hands-On Support: We don’t just place your policy and disappear. We help with certificates of insurance, contract reviews, claims assistance, and safety guidance to keep your premiums under control.

• Market Access: We work with the top admitted and surplus lines carriers willing to write Scaffold Law–exposed contractors. We know how to present your business to underwriters so you stand out as a safer, more insurable risk.

When other agencies say “it can’t be done” or push you toward a stripped-down policy full of exclusions, BGES Group finds real solutions.

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What Makes Us Different From Other Agencies

Most agencies:

• Don’t specialize in construction.

• Assign inexperienced account managers to your business.

• Sell the cheapest policy to win the account, leaving you exposed.

• Fail to explain dangerous exclusions hidden in your policy.

BGES Group is different because we:

• Focus exclusively on construction insurance with a heavy emphasis on New York contractors.

• Review every endorsement to eliminate hidden gaps in coverage.

• Negotiate on your behalf with underwriters who trust our expertise.

• Educate you about your risks, so you understand what’s covered and what’s not.

• Give you direct access to senior professionals—not a revolving door of junior staff.

In short, we put ourselves on your side, making sure you’re protected before the claim—not after.

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Don’t Let Insurance Be the Reason You Lose Work

New York contractors already face enormous challenges—tight margins, labor shortages, material costs, and regulatory compliance. Insurance shouldn’t be another obstacle. By partnering with BGES Group, you can:

• Lower your liability premiums with smart risk management and underwriting strategies.

• Win more jobs by providing the correct certificates of insurance that meet contract requirements.

• Protect your business assets from devastating Scaffold Law claims.

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Contact BGES Group Today

Don’t leave your business exposed to New York’s Scaffold Law. Let BGES Group help you secure the right coverage, at the right price, with the right support.

📞 Call: Gary Wallach – (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

With BGES Group on your side, you can focus on building New York—while we focus on protecting you.

Navigating the world of workers’ compensation insurance can be daunting, especially in a bustling place like New York City. If you’re an employer looking to ensure you’re compliant with the laws or a worker curious about your rights, this guide will provide you with all the necessary information you need.

Who Needs Workers’ Compensation Insurance in NYC?

In New York City, almost all employers are required by law to provide workers’ compensation insurance. This includes all for-profit businesses and even some non-profits, regardless of the number of employees. Exceptions are rare, making it essential for virtually every employer to secure this insurance.

This requirement ensures that all employees have access to necessary support if injuries or illnesses occur due to their work. It’s crucial for employers to understand who is eligible and ensure compliance to protect both the business and its workforce.

Even domestic workers, provided they work at least 40 hours a week for the same employer, need to be covered under workers’ compensation. It’s a comprehensive mandate to secure the health and financial stability of employees across various sectors.

What Does Workers’ Compensation Insurance Cover?

Workers’ compensation insurance typically covers medical expenses, lost wages, and rehabilitation costs for employees who are injured or become ill due to their job. Understanding the scope of coverage is essential for both employers and employees to ensure the right assistance is provided.

Beyond the basics, coverage often includes compensation for permanent disabilities and death benefits for the family members of the deceased. This robust safety net aims to provide comprehensive protection and support to affected employees and their families.

Additionally, vocational rehabilitation services may also be covered, aiding employees in returning to their former job or assisting them in finding new employment if necessary.

How to Obtain Workers’ Compensation Insurance

Employers can obtain workers’ compensation insurance through private insurers licensed by the state or through the New York State Insurance Fund. It’s important to shop around and compare plans to find the most suitable and cost-effective coverage for your business.

Proper due diligence and careful selection of an insurance provider can make a significant difference in the coverage level and cost. It’s advisable to evaluate multiple providers to ensure the best fit for your business needs.

For those opting for the New York State Insurance Fund, it offers competitive rates and coverage, often seen as a reliable option for securing workers’ compensation insurance.

What Are the Penalties for Non-Compliance?

Failing to secure workers’ compensation insurance in NYC can lead to severe penalties. Employers may face substantial fines, potential lawsuits, and even criminal charges. Ensuring compliance is not only about adhering to the law but also about protecting your business and employees.

Non-compliance can also lead to business suspension or closure, which underscores the importance of maintaining active policies. The penalties are specifically designed to reinforce the critical nature of this coverage for workplace safety.

Moreover, beyond the legal implications, not having the appropriate insurance harms employee trust and company reputation, leading to a broader spectrum of professional setbacks.

How to Handle Claims and Injuries

When an injury occurs, it’s crucial to handle the claim promptly and efficiently. Employers must report injuries to their insurance carrier as soon as possible, while employees should seek immediate medical attention. Understanding the claims process helps in facilitating a smooth experience for all parties involved.

Having a proactive approach, with established protocols for handling such incidents, reduces the risk of process delays and ensures that all necessary parties are informed and involved at the right time.

Employers are encouraged to create an environment where employees feel comfortable reporting injuries without fear, promoting safety and transparency within the workplace.

Ensuring Compliance and Safety

Understanding the requirements for workers’ compensation insurance in NYC is crucial for both employers and employees. By ensuring coverage, you not only comply with legal obligations but also protect the well-being of your workforce. Remember, it’s always wise to stay informed about any changes in legislation to maintain compliance and ensure peace of mind.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.
 
BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, misclassified payrolls, or whatever your issue. We can help!  We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers; we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that, if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The program takes the hassle out of doing annual audits, too.  

If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
 
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

Navigating the world of workers’ compensation can be daunting for contractors in NYC. With specific laws and regulations that differ from other states, it’s crucial to stay informed to protect both your business and employees. This FAQ blog will guide you through the essential aspects you need to know.

What is Workers’ Compensation and Why is it Important?

Workers’ compensation is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment. It’s a crucial safety net that protects both workers and employers from the financial impact of workplace injuries.

The importance of workers’ compensation cannot be overstated. In a bustling city like NYC, where construction and contracting fields are quite prevalent, accidents are an unfortunate reality. By ensuring coverage through workers’ compensation, contractors can mitigate financial burdens and maintain a safe working environment. Protecting employees not only fosters a commitment to their well-being but also enhances overall workplace morale and productivity.

Who is Required to Have Workers’ Compensation in NYC?

In NYC, most employers are required to have workers’ compensation insurance. This includes all contractors who have employees, regardless of whether they are full-time, part-time, or seasonal. The coverage extends to all types of workers, including domestic workers employed for more than 40 hours a week.

Understanding who needs to be covered under the workers’ compensation insurance is vital. Even if you hire day laborers or subcontractors temporarily, they may still fall under the purview of required coverage. Moreover, independent contractors should adequately assess their roles and responsibilities to determine if obtaining personal workers’ comp insurance is advisable.

For contractors unsure about their legal obligations or coverage requirements, consulting with workers’ compensation experts can provide clarity and tailored solutions to ensure compliance with NYC labor laws.

How to Obtain Workers’ Compensation Insurance?

Contractors in NYC can obtain workers’ compensation insurance through private insurance carriers or the New York State Insurance Fund (NYSIF), which is a state-run agency. It’s important to compare policies and choose one that best suits your specific business needs.

When opting for a policy, consider factors such as the nature of your projects, the number of employees, and the potential risk levels involved. Engaging with an experienced insurance broker or advisor might be beneficial to navigate the myriad of options effectively. They can provide insights and recommendations tailored to the unique aspects of the contracting industry in NYC.

It is equally important to stay proactive in monitoring your policy status and making adjustments as your business evolves. Regular reviews ensure optimal coverage and premium rates which align with any changes in your business scope or employee count.

What are the Penalties for Non-Compliance?

Failure to provide workers’ compensation coverage can result in severe penalties, including fines, lawsuits, and even the closure of your business. It’s crucial to ensure your compliance with state laws to avoid potential legal and financial repercussions.

Beyond financial penalties, non-compliance can severely tarnish a contractor’s reputation, impacting the ability to secure future projects. Being placed on the state’s debarment list for repeat offenders can effectively blacklist a business from bidding on public contracts, further exacerbating the loss in revenue and opportunities.

Emphasizing the importance of compliance, contractors should make it a priority to remain updated on any legislative changes regarding workers’ compensation requirements. The business landscape is always evolving, and staying informed helps mitigate risks associated with non-compliance.

What Steps Should Be Taken After an Employee Injury?

In the event of an injury, contractors should immediately seek medical attention for the employee, notify the insurance provider, and complete the necessary forms to file a claim. Prompt action ensures that the employee receives appropriate care and that the claim process is initiated smoothly.

It’s crucial to maintain comprehensive records of the incident, including any eyewitness accounts and photographic evidence if possible. Such records can prove invaluable when navigating subsequent claims negotiations or disputes with insurance providers.

Beyond immediate response, contractors should evaluate the incident to identify any factors that contributed to the injury. Implementing enhanced safety measures or revising existing protocols can prevent similar accidents from occurring in the future, demonstrating a commitment to creating a safer workplace for all employees.

For additional information on handling claims and ensuring compliance, contractors are encouraged to visit the BGES Group’s resources that provide further guidance tailored specifically to NYC contractors.

Final Thoughts on Workers’ Compensation NYC for Contractors

Understanding workers’ compensation in NYC is essential for contractors to ensure legal compliance and protect their interests. By familiarizing yourself with the requirements, choosing the right policy, and staying informed about your obligations, you can confidently navigate the workers’ compensation landscape. For more insights and assistance, visit our homepage.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.  

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, misclassified payrolls, or whatever your issue. We can help!  We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers; we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that, if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The program takes the hassle out of doing annual audits, too. 
 
If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
 
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

Being a contractor in New York isn’t easy. Between strict regulations, high costs, and fierce competition, contractors face constant challenges that can affect their bottom line. From navigating insurance requirements to staying compliant with safety standards, every detail matters. Below are the 10 most important issues New York contractors face, along with practical solutions to help overcome them.

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1. Skyrocketing Insurance Costs

The Issue:

New York construction insurance is among the most expensive in the country. Liability insurance, workers’ compensation, and umbrella coverage can eat into profits, especially for small and mid-sized contractors. Many contractors overpay or don’t have the right coverage tailored to their business.

The Solution:

Partner with a specialist who understands the New York construction market. Gary Wallach at BGES Group is an expert in New York construction insurance. With over 44 years of experience, Gary helps contractors lower costs, secure better coverage, and avoid costly gaps in protection. Contact him directly at 914-806-5853 or bgesgroup@gmail.com. Visit http://www.bgesgroup.com to learn more.

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2. Labor Shortages

The Issue:

Finding skilled workers is an ongoing challenge for New York contractors. Many jobs require specialized labor, but the pool of qualified workers is shrinking. This slows down projects, increases costs, and puts pressure on deadlines.

The Solution:

Invest in workforce development. Build relationships with trade schools, offer apprenticeship programs, and consider referral bonuses to attract talent. Contractors who provide steady work, fair wages, and safe working conditions retain workers longer.

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3. Regulatory Compliance

The Issue:

New York contractors face complex regulations from OSHA, local building departments, and state agencies. Non-compliance can lead to heavy fines, project delays, and even lawsuits.

The Solution:

Stay proactive by keeping up with regulatory changes. Assign someone in your business to monitor updates, attend compliance training, and work with consultants who specialize in New York construction law. Technology tools can also track permits and safety requirements.

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4. Project Delays and Scheduling Conflicts

The Issue:

Weather, material shortages, and labor disputes cause costly delays. In New York City, traffic, permitting, and union rules add even more challenges.

The Solution:

Use project management software to plan ahead and adjust in real time. Maintain strong communication with suppliers, subcontractors, and clients. Adding buffer time in contracts can also reduce disputes over unexpected delays.

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5. Rising Material Costs

The Issue:

Lumber, steel, and concrete prices fluctuate dramatically. Contractors often face tight margins and risk losing money on fixed-bid projects when prices rise.

The Solution:

Negotiate with suppliers for bulk discounts or lock in prices with contracts when possible. Consider alternative materials without sacrificing quality. Pass some risk to clients through escalation clauses in contracts that account for material cost increases.

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6. Safety Risks on Job Sites

The Issue:

Construction is one of the most dangerous industries, and New York contractors are under strict scrutiny when it comes to jobsite safety. Injuries can lead to lawsuits, lost time, and skyrocketing insurance premiums.

The Solution:

Create a strong safety culture. Conduct regular toolbox talks, enforce PPE use, and provide training on fall protection and equipment handling. Contractors who demonstrate commitment to safety not only reduce accidents but also improve employee morale.

7. Cash Flow Problems

The Issue:

Late payments from clients and slow-moving projects can squeeze cash flow. Contractors often struggle to cover payroll, pay suppliers, and keep projects moving.

The Solution:

Negotiate favorable payment schedules that include upfront deposits and progress payments. Use invoice management software to track outstanding balances. For large projects, consider financing options or lines of credit to stabilize cash flow.

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8. Competition and Bidding Wars

The Issue:

New York is one of the most competitive construction markets in the U.S. Many contractors underbid to win work but end up struggling to make a profit.

The Solution:

Differentiate your business. Highlight your track record, safety record, and ability to deliver on time. Instead of always competing on price, market the value you provide—quality workmanship, reliability, and expert risk management.

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9. Technology Adoption

The Issue:

Some contractors hesitate to adopt new technology like project management apps, estimating software, or drone inspections. This can leave them behind competitors who work more efficiently.

The Solution:

Start small by introducing one tool at a time, such as estimating software or time-tracking apps. Train your team and demonstrate the benefits. Over time, technology improves efficiency, reduces waste, and makes businesses more competitive.

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10. Legal Disputes and Contract Issues

The Issue:

Disputes over scope, delays, or payments are common in New York construction. Lawsuits and arbitration can be costly and time-consuming.

The Solution:

Hire an attorney experienced in New York construction contracts. Make sure all agreements clearly define scope, deadlines, and payment terms. Mediation and arbitration clauses can also prevent drawn-out court battles.

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Final Thoughts

New York contractors face enormous challenges every day—rising insurance costs, labor shortages, compliance hurdles, and more. The good news is that with the right strategies and partners, these challenges can be managed and even turned into opportunities.

One of the smartest moves any contractor can make is to secure better business insurance. Having the right coverage not only protects against accidents, lawsuits, and losses but also provides peace of mind so you can focus on growing your business. That’s where BGES Group comes in.

For expert guidance on New York construction insurance, contact:

BGES Group

Gary Wallach – New York Construction Insurance Specialist

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

With the right strategies—and the right insurance partner—your contracting business can thrive in even the toughest New York market.

Navigating the world of commercial auto insurance claims can seem daunting, but it doesn’t have to be. Whether you’re new to commercial insurance or looking to understand the process better, this guide is here to help with friendly and simple explanations.

What is Commercial Auto Insurance?

Commercial auto insurance is a type of policy designed to cover vehicles used for business purposes. It provides coverage for various incidents like accidents, theft, and damages during business operations.

This kind of insurance is crucial for protecting your business assets. By insuring your vehicles, you safeguard against unexpected costs that can arise from vehicle-related mishaps. Moreover, commercial auto insurance typically covers vehicles such as cars, trucks, vans, and buses that are part of your business operations.

A key aspect of commercial auto insurance is its flexibility. Policies can be tailored to fit the unique needs of your business by adjusting coverage limits, deductibles, and additional protections, ensuring that you have the right kind of coverage when you need it.

Why Are Claims Important?

Claims are vital because they ensure that any financial losses incurred from accidents or damages are covered. They help businesses recover quickly, maintaining operations without significant disruptions.

Without the ability to file claims, businesses would bear the full burden of repair and legal costs themselves. This could lead to significant financial strain, particularly for small businesses where a single accident might threaten their survival.

By understanding the importance of claims, businesses can prioritize risk management strategies and enhance their response plans, mitigating impacts on their operations and finances.

How to File a Claim

Filing a claim typically involves reporting the incident to your insurance provider, providing relevant documentation like police reports and photos, and detailing the damages or injuries sustained.

It’s essential to act swiftly when filing a claim. Delaying the filing process can complicate matters, as evidence may become less reliable over time and witnesses could be harder to contact. Always have your policy number and schedule of coverages on hand to streamline communications.

Keeping a detailed record of any interactions and updates from your insurer can help make the claims process more transparent. Make sure to confirm receipt of documents and follow up regularly to keep your claim on track.

Common Mistakes to Avoid

Ensure accuracy in documentation, report incidents promptly, and avoid withholding information. These mistakes can delay the process or even result in claim denial.

One common error is underestimating the damage. Thoroughly assess and report all damages accurately. Providing complete and accurate information in your initial report can prevent unwelcome surprises later on in the process.

Another pitfall is the failure to read through your policy details before filing a claim. This oversight might lead to misrepresentations about what your coverage actually includes, thus causing unnecessary confusion.

What to Expect After Filing

After filing, an adjuster will review your claim, possibly inspect the damages, and determine the amount covered. Communication with your insurer is key during this stage.

The evaluation period can vary, but expect regular updates from your insurance adjuster. They may request further information to process your claim accurately. Patience and cooperation can help move things along smoothly.

Be proactive in understanding the timeline for resolution. Knowing when to expect a payout or settlement offer can assist with planning repairs or replacements, minimizing disruptions to your business.

Wrapping Up Commercial Auto Insurance Claims

Understanding the ins and outs of commercial auto insurance claims can make the process smoother and less stressful. By knowing these key aspects, you’ll be better prepared to handle claims efficiently and make informed decisions.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges. 

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

If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
 
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

Understanding the cost of contractor liability insurance can be tricky, but it’s an important component of any contracting business. This FAQ guide will explore the factors that play a role in determining the insurance premiums you might face.

Understanding the Basics: What is Contractor Liability Insurance?

Contractor liability insurance provides coverage for property damage and bodily injury claims. It’s essential for protecting your business from potential lawsuits and financial losses.

This type of insurance is not just beneficial but necessary in ensuring that unforeseen events don’t cripple your contracting business. With it, you can confidently bid on projects, knowing you have a safety net if things go wrong.

Factor 1: Type and Size of the Contracting Business

The type and size of your business significantly influence insurance costs. Larger companies with more employees and projects may face higher premiums due to increased potential risks.

For a small carpentry business, the scope of work may involve less risk compared to a large-scale construction business that deals with multiple high-risk projects. Thus, insurers take into account whether a business specializes in high-risk jobs like roofing or low-risk tasks such as interior painting.

Factor 2: Coverage Limits and Deductibles

Choosing high coverage limits increases your premium, while higher deductibles often decrease it. It’s important to find a balance that provides adequate protection without breaking your budget.

Interestingly, some contractors opt for higher coverage limits to ensure they are protected against severe claims, especially in industries prone to more significant accidents. On the other hand, a higher deductible can be a strategic move for those with a solid financial buffer, thus lowering their premium costs.

Factor 3: Claims History and Risk Assessment

A history of previous claims can make your insurance more expensive. Insurers assess the likelihood of future claims based on past instances, influencing your overall cost.

Maintaining a clean record by adhering to safe operational standards can significantly lower your premiums over time. Insurers value businesses with minimal claims because they are seen as low risk, and their premiums reflect this reduced risk factor.

Factor 4: Location and Type of Work

The geographical location and the nature of work performed impact your insurance rates. High-risk areas or work categories might lead to higher premiums.

For example, businesses operating in hurricane-prone areas may have higher premiums due to the increased likelihood of weather-related damages Construction Industry Hazards. Similarly, contractors engaging in infrastructure projects in densely populated urban areas face higher premiums due to the complex risks involved.

Factor 5: Safety Measures and Certifications

Implementing robust safety measures and obtaining professional certifications can help reduce your insurance costs by minimizing perceived risks.

Certifications from professional organizations or adherence to industry safety standards demonstrate a commitment to maintaining a safe work environment, which insurers look upon favorably. This not only helps in reducing premiums but can also attract clients looking for reliable contractors.

Wrapping Up: Key Takeaways on Contractor Liability Insurance Costs

Even though contractor liability insurance can seem complex, breaking it down into these key factors can help make sense of the costs. By understanding your own business needs and risks, you can make informed decisions about your insurance coverage.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.
 
BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, misclassified payrolls, or whatever your issue. We can help!  We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers; we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that, if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The program takes the hassle out of doing annual audits, too. 
 
If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
 
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

For New York contractors, every dollar counts. Between labor, materials, and navigating the ever-changing regulations in the construction industry, managing costs while keeping your business protected is no small task. One of the biggest recurring expenses is your contractors’ liability insurance. And when your policies come up for renewal, the last thing you want is higher premiums for less coverage.

The best way to secure better coverage at lower rates is simple: let BGES Group shop the market for you. With over four decades of expertise, a boutique level of service, and unmatched knowledge of New York construction insurance, BGES Group consistently helps contractors like you save money while strengthening protection.

Here’s why.

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10 Reasons to Let BGES Group Review Your Liability Policies

1. We Are New York Construction Insurance Experts

At BGES Group, we live and breathe New York construction insurance. While many agencies cover dozens of industries, we specialize in contractor liability insurance, workers’ compensation, and auto insurance for contractors. That means when you call us, you’re not explaining your business—we already understand the unique risks you face.

2. Personalized Service – No Overloaded Account Executives

At large agencies, account executives may juggle 200 or more accounts, making it impossible to give each contractor the attention they deserve. At BGES Group, our account executives service fewer than 50 accounts. That means your business gets the care, detail, and responsiveness you need to avoid costly gaps in coverage.

3. 44 Years of Experience

We’ve been in the industry since 1981, helping contractors weather economic downturns, insurance market swings, and changes in New York’s labor laws. With 44 years of hands-on experience, we know what works, what doesn’t, and how to position your business to get the best rates available.

4. We Answer the Phone Immediately

Time is money, especially in construction. Unlike agencies where calls go to voicemail or you wait days for a response, we pick up the phone immediately. If you need a certificate, guidance on a contract, or help with a claim, we’re there when you need us.

5. Certificates Issued in Minutes

Need a certificate for a job site? With BGES Group, certificates are processed within minutes, not days. We understand that delays can hold up projects and cost you money, so we make sure you’re never waiting.

6. We’re Smart – and Street Smart

Insurance isn’t just about policy language. It’s about knowing how to negotiate with underwriters, how to structure your program to fit contract requirements, and how to protect you from risk-shifting clauses. We bring both technical knowledge and real-world street smarts to every account.

7. We Fight to Keep Your Rates Competitive

Renewal time often means surprise increases. We don’t just roll your policy over. We shop aggressively with multiple top-rated carriers, looking for ways to get you better coverage for less money.

8. We Care About Your Business

We’re not a faceless corporate agency. We’re a team that genuinely cares about helping contractors succeed. That’s why many of our clients have stayed with us for decades.

9. We Help You Navigate Compliance Issues

New York has some of the toughest compliance requirements in the country. We stay on top of them, so you don’t have to. From contractual insurance requirements to OCIP/CCIP programs, we help make sure you’re always covered.

10. We’re Trusted by Contractors Across New York

Our clients consistently leave 5-star reviews because we deliver on our promises. We’re not just an insurance agency—we’re a long-term partner you can rely on.

What BGES Group Does for New York Contractors

BGES Group specializes in:

• General Liability Insurance for contractors

• Workers’ Compensation Insurance for all industries

• Commercial Auto Insurance for construction firms

• Umbrella and Excess Liability

• Risk Management Guidance to protect against lawsuits and claims

When your liability policies come up for renewal, we don’t just “quote and hope.” We carefully analyze your current coverage, identify gaps, and approach insurers strategically to secure lower premiums with stronger protection.

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What Contractors Say About BGES Group

Don’t just take our word for it—here are five reviews from contractors who’ve worked with us:

1. “BGES Group saved us thousands on our insurance and got us better coverage. They know New York construction insurance inside and out.”

2. “When we need certificates, they’re issued within minutes. No waiting, no hassle. That’s why we’ll never leave BGES.”

3. “Gary and his team answer the phone every time we call. You don’t get that kind of service anywhere else.”

4. “We’ve been with BGES Group for years. They’ve helped us navigate audits, claims, and tough renewals. We couldn’t ask for a better insurance partner.”

5. “Other agencies treated us like a number. At BGES, they actually care about our business and fight to get us the best deal every year.”

These reviews reflect what sets us apart: expertise, responsiveness, and a genuine commitment to helping contractors succeed.

⸻

Why SEO Matters for Contractors

If you’re reading this, you probably searched for something like:

• “Best New York contractor liability insurance”

• “How to lower contractor insurance rates in NY”

• “Contractor liability insurance renewal savings”

That’s no accident. At BGES Group, we make sure contractors looking for better coverage and lower rates can find us easily. Just as you need visibility to win bids, we make sure our expertise is visible when contractors search for insurance solutions.

⸻

Partner with BGES Group Today

Renewal time is when most contractors lose money—accepting rate increases without realizing there are better options available. Don’t let that happen to you. Partner with BGES Group, and we’ll make sure you get:

✅ Better coverage

✅ Lower rates

✅ Personalized service

✅ Certificates in minutes

✅ A trusted partner with 44 years of experience

Contact BGES Group Today

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com – Gary Wallach

• Website: http://www.bgesgroup.com

⸻

Final Word

For New York contractors, the smartest move at renewal time is clear: let BGES Group review your policies. With unmatched expertise, boutique service, and a proven track record of saving contractors money, we’re the insurance partner you need to protect your business and your bottom line.

Better coverage. Lower rates. That’s the BGES Group promise.

For contractors across New York, New Jersey, and Connecticut, workers compensation insurance is one of the most important policies you carry. Not only is it legally required, but it also protects your employees and your business in case of injury, illness, or workplace accidents. Unfortunately, many contractors feel frustrated with skyrocketing premiums, invasive audits, and limited options from carriers that don’t understand the unique risks of construction.

That’s where BGES Group comes in. We specialize in helping tri-state contractors secure smarter workers compensation programs designed specifically to protect you, stabilize costs, and give you the peace of mind you deserve.

Below, we’ll break down 10 major benefits of the workers compensation program we offer, then review another unique alternative program that has helped many contractors regain control of their costs. Finally, we’ll explain why BGES Group is the right partner if you’re facing cancellation, renewal issues, or just need a fresh start with better coverage.

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10 Benefits of the BGES Group Workers Compensation Program

Our program is built to address the problems contractors face every day. Here are the top 10 benefits:

1. Significant Cost Savings Contractors often see lower premiums compared to traditional plans, thanks to a smarter underwriting approach tailored for construction risk.
2. Coverage Stability Unlike volatile carriers that pull out of markets or drop accounts suddenly, this program is designed to stay consistent year after year.
3. Multi-State Coverage Perfect for contractors who work across New York, New Jersey, and Connecticut. The program provides seamless protection wherever your jobs take you.
4. Reduced Audit Headaches Contractors dread annual audits. This program offers an alternative structure that minimizes audit stress, surprise bills, and disputes.
5. Flexible Payment Options Cash flow is critical in construction. With pay-as-you-go features, premiums adjust to your actual payroll, so you’re not overpaying upfront.
6. Access to Better Claims Management Claims are handled with speed and expertise, helping injured workers recover faster while reducing your overall claims costs.
7. Improved Safety Resources The program includes access to training, loss control, and risk management support to help prevent accidents before they happen.
8. Fewer Mid-Term Interruptions Unlike standard carriers that frequently send out cancellation threats or demand mid-policy changes, this program is stable and predictable.
9. Tailored to Construction Many workers comp carriers don’t understand construction. This program was built for contractors, from small trades to large general contractors.
10. Peace of Mind at Renewal Instead of worrying about last-minute surprises at renewal time, contractors in this program enjoy consistency and fairness year after year.

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An Alternative Program That’s Changing the Game

In addition to our core offering, BGES Group also provides access to a unique workers compensation program that has been gaining traction among contractors in the tri-state area. While we won’t name the provider, here’s what you need to know about how it works and why it may be the right solution for your company:

• Long-Term Rate Stability – Contractors are tired of yearly rate hikes. This program locks in stability, shielding you from unpredictable increases.
• Profit Sharing Potential – Unlike standard plans where carriers keep all the profits, this program may return money back to you if your claims are favorable.
• Custom Underwriting – Instead of treating every contractor the same, underwriting is tailored to your business, your payroll, and your safety record.
• Coverage Security – Even when other insurers leave the market or decline construction risks, this program continues to stand strong.
• Growth-Friendly – Whether you’re expanding your crew, bidding on bigger projects, or working in multiple states, this program can grow with you.

For contractors frustrated with traditional workers compensation, this alternative option has proven to be a lifesaver—offering savings, stability, and support in ways most standard carriers can’t match.

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Why Work with BGES Group?

At BGES Group, we are not generalists. We are workers compensation specialists with decades of experience serving contractors throughout New York, New Jersey, and Connecticut. We know the ins and outs of labor laws, audits, claims handling, and carrier red tape that frustrate contractors daily.

Here’s why contractors come to us:

• We specialize in construction risks. We understand your business better than the average broker who only dabbles in construction insurance.
• We find solutions for cancelled or hard-to-place accounts. If your carrier is cancelling you, raising rates beyond reason, or threatening non-renewal, we step in to secure coverage fast.
• We fight for you. From claims management to renewal negotiations, our job is to protect you—not the insurance companies.
• We offer multiple program options. From our own workers comp program to the unique alternative described above, we’ll help you find the best fit.

Many contractors come to us after years of frustration with traditional insurance companies. They quickly discover that working with specialists makes all the difference.

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Contact BGES Group Today

If you’re a contractor in New York, New Jersey, or Connecticut, and you’re tired of unpredictable premiums, painful audits, or cancellations, now is the time to take control of your workers compensation insurance.

BGES Group is here to help. We are workers compensation specialists dedicated to protecting contractors like you.

📞 Call us today: (914) 806-5853 – Gary Wallach

📧 Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

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Final Thoughts

Workers compensation is more than just another line item expense. It’s a critical safeguard for your employees, your company, and your future. With BGES Group’s programs, contractors across the tri-state area can finally enjoy savings, stability, and peace of mind.

If your current carrier isn’t working for you—or worse, is cancelling you—don’t wait until it’s too late. Turn to BGES Group for the workers compensation solutions your business needs to thrive.

Running a contracting business in New York is no easy task. Between juggling projects, managing employees, and keeping up with regulations, it’s easy to let insurance renewals slide by without much thought. But overlooking your insurance review can cost you thousands of dollars—and leave your business exposed.

At BGES Group, we specialize in helping New York contractors like you navigate liability, workers’ compensation, and commercial auto insurance. Below, we’ll walk you through 5 reasons you shouldn’t let your liability or workers’ compensation policies renew without a BGES review, 5 reasons you should let us review your auto insurance, and 5 reasons our service outshines most other agencies.

5 Reasons You Shouldn’t Let Liability Insurance Renew Without a BGES Group Review

1. Hidden Gaps in Coverage
   Many liability policies exclude subcontractor work, residential projects, or specific trades. BGES knows where the gaps hide and how to fix them before a claim hits.
2. Excessive Premiums
   New York contractors are among the highest-rated in the country. BGES compares carriers and programs daily, ensuring you aren’t overpaying for the same protection.
3. Incomplete Additional Insured Endorsements
   General contractors and project owners demand broad coverage. Without proper endorsements, your certificate may not comply—and you risk losing work.
4. Outdated Limits
   Project requirements evolve. BGES reviews whether your current liability limits meet today’s job specifications, avoiding last-minute panic before a bid or renewal.
5. No Strategy for Future Renewals
   Most agents treat renewal as a yearly transaction. At BGES, we help you plan for renewals months in advance, so you aren’t stuck with last-minute surprises.

5 Reasons You Shouldn’t Let Workers’ Compensation Renew Without a BGES Group Review

1. Misclassified Payroll
   Contractors frequently get hit with the wrong class codes. A single misclassification can double your premium. BGES catches and corrects errors.
2. Audit Headaches
   New York audits can be brutal. BGES knows how to prepare you, defend disputes, and eliminate unnecessary charges.
3. No Coverage for Out-of-State Work
   If you ever send crews to New Jersey, Connecticut, or beyond, you could be uninsured. BGES ensures your policy complies wherever you operate.
4. Excluded Owners or Partners
   Many contractors unknowingly leave owners exposed. BGES confirms whether you’re covered when you step on-site.
5. Missed Discounts
   Workers’ comp is not one-size-fits-all. BGES identifies programs, credits, and group plans that other agents often overlook.

5 Reasons You Should Let BGES Group Review Your Commercial Auto Insurance

1. Soaring Premiums
   Auto rates in New York have skyrocketed. BGES actively markets your account to keep premiums under control.
2. Improperly Rated Vehicles
   Work vans and pickups often get rated incorrectly. BGES ensures vehicles are classified properly to avoid inflated costs.
3. Driver Exclusions
   One uninsured driver can shut down your job. BGES helps verify all employees are properly listed and cleared to drive.
4. Lack of Hired/Non-Owned Coverage
   If employees use their own vehicles for work, you may be exposed. BGES ensures your policy includes this critical protection.
5. Umbrella Coordination
   Auto coverage must line up with your liability and umbrella policies. BGES ensures no gaps exist between them.

5 Reasons BGES Group’s Service Beats Most Agencies

1. Direct Access to Experts
   You don’t get shuffled to voicemail. Call BGES and you speak directly with someone who understands New York contractors.
2. Lightning-Fast Certificates
   We issue certificates in minutes, not days, so you never lose out on a job waiting for paperwork.
3. Street-Smart Problem Solvers
   We’ve been through it all—audits, claims disputes, compliance headaches. Our team knows how to get problems solved quickly.
4. Proactive, Not Reactive
   Most agencies react when there’s a problem. BGES anticipates issues before they affect your business.
5. Family-Owned, Contractor-Focused
   We’re not a call center. We’re a dedicated, independent agency built around helping contractors succeed in one of the toughest markets in the country.

Final Word: Don’t Leave Renewal to Chance

Insurance isn’t just paperwork—it’s the backbone that protects your contracting business, your employees, and your future. Renewing without a review can cost you dearly in premiums, compliance, and uncovered claims.

BGES Group has built its reputation on helping New York contractors stay properly protected while controlling costs. If your liability, workers’ comp, or auto insurance is coming up for renewal, now’s the time to let us review your coverage.

Contact BGES Group Today

📍 BGES Group

Specialists in New York Construction Insurance & Workers’ Compensation

📞 Gary Wallach – 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com