In the world of New York construction, liability coverage can be tricky — and expensive — if you don’t understand the fine print of your insurance policy. Every contractor knows that general contractors (GCs) require subcontractors to provide certificates of insurance showing that they are named as additional insureds. But what many subcontractors don’t realize is that their liability policies may only cover the GC — and not the other parties required by the contract, such as the property owner, the bank, or its officers and assigns. This is especially true when the policy includes certain blanket additional insured endorsements that rely on strict “privity of contract.”

Blanket Endorsements Only Go So Far

When a subcontractor purchases a commercial general liability (CGL) or excess/umbrella policy through a surplus lines insurer, it’s common for the policy to include endorsements such as:

• CG 20 10 – Additional Insured – Ongoing Operations

• CG 20 37 – Additional Insured – Completed Operations

• CG 20 38 – Additional Insured – Automatic Status for Other Parties

These are blanket endorsements — which means that instead of naming each additional insured individually, they automatically provide coverage to parties with whom the named insured has a written contract requiring such coverage.

Here’s where many subcontractors get burned:

If a subcontractor signs a contract only with the GC, then only the GC may qualify as an additional insured under these endorsements. That means the property owner, bank, developer, or any other upstream party mentioned in the contract may not be covered — unless there is a separate written agreement between the subcontractor and each of those entities.

A Common Scenario

Let’s say you’re a subcontractor hired to do renovation work on a commercial building in New York City. The GC gives you a subcontract that requires you to name the GC, the property owner, the lender, and its officers and assigns as additional insureds for both ongoing and completed operations. You send your certificate of insurance over, and the GC checks the box. You think you’re all set.

Later, a post-completion claim arises — someone is injured due to alleged defects in your work. The building owner and lender are sued. They look to your insurance for defense and indemnity. You assume they’re covered.

But they’re not.

Your CG 20 37 form only extends completed operations coverage to parties with whom you have a direct written contract. And since you only signed with the GC — not the owner or lender — they are not additional insureds under your policy.

This exposes you to massive potential liability, legal headaches, and strained business relationships.

How to Fix This: Get Everyone to Sign a Simple Agreement

Before entering into a contract, it is critical that all required parties sign a simple written agreement with the subcontractor stating that the subcontractor is required to provide additional insured coverage. This ensures they are brought into privity of contract, which activates coverage under blanket endorsements like CG 20 10, CG 20 37, and CG 20 38.

Here’s a basic sample of the kind of agreement you can use:

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SIMPLE ADDITIONAL INSURED AGREEMENT

(For use with Blanket Additional Insured Endorsements)

Note: This is not legal advice. Have your attorney review this form before use.

This Agreement is made and entered into on [Date], by and between:

• Subcontractor: [Name, Address]

• General Contractor: [Name, Address]

• Property Owner: [Name, Address]

• Lender/Bank: [Name, Address]

• Other Additional Parties (if any): [Name, Address]

WHEREAS, the Subcontractor has entered into an agreement with the General Contractor to perform work at [Project Address];

WHEREAS, the General Contractor’s agreement with the Subcontractor requires the Subcontractor to provide additional insured status to the General Contractor, Property Owner, Lender/Bank, and any other designated parties for both ongoing and completed operations under its commercial general liability and umbrella policies;

NOW, THEREFORE, it is agreed that:

1. All parties named above agree that the Subcontractor is contractually obligated to provide additional insured coverage under its commercial general liability and umbrella/excess policies, including coverage for ongoing and completed operations, per policy endorsements CG 20 10, CG 20 37, and CG 20 38 (or equivalents).

2. The parties agree that this document serves as written evidence of a direct contractual relationship for insurance purposes between the Subcontractor and each party listed, sufficient to satisfy the requirements of the additional insured endorsements referenced above.

IN WITNESS WHEREOF, the parties have executed this agreement as of the date first written above.

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Subcontractor (Authorized Signatory)

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General Contractor (Authorized Signatory)

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Property Owner (Authorized Signatory)

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Lender/Bank (Authorized Signatory)

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Other Party (if applicable)

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Don’t Skip This Step

It may seem like a formality, but this simple step can be the difference between full protection and total exposure. Too many subcontractors mistakenly assume that their policy’s blanket language will cover anyone mentioned in the contract. But without written privity, they could find themselves out of luck.

Review your policy endorsements carefully. If you’re unsure whether your CG 20 37 or CG 20 38 forms require direct contracts, ask your broker. And before starting any job, negotiate with your GC to ensure all upstream parties sign the agreement — or require the GC to facilitate those signatures.

BGES Group Can Help

At BGES Group, we specialize in contractor insurance throughout New York, New Jersey, and Connecticut. We understand the unique challenges that local contractors face — especially when it comes to complex insurance requirements buried deep in construction contracts.

Whether you’re a subcontractor worried about additional insureds, or a GC looking to protect your project and partners, we’re here to help you get the coverage you need — without the runaround.

Contact us today:

BGES Group

Gary Wallach – Contractor Insurance Specialist

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Let’s make sure you’re covered — properly, completely, and affordably.

In New York’s complex construction world, subcontractors are regularly required to include multiple parties as Additional Insureds (AIs) on their Commercial General Liability (CGL) policies. But what many don’t realize — until it’s too late — is that despite providing all the right paperwork, not everyone may actually be covered.

Let’s break it down through a real-world example — and show you what you can do to protect yourself, your clients, and your reputation.

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The Setup: A Standard Renovation Contract in New York

You’re a subcontractor hired by a general contractor (GC) to do interior and exterior renovation work on a commercial property in New York City.

The GC’s contract requires you to name the following as Additional Insureds:

• The General Contractor

• The Building Owner

• The Bank Financing the Project

• Any Assignees of the Owner or Bank

Coverage must apply to both:

• Ongoing operations (work in progress), and

• Completed operations (after your work is done)

So far, this is standard.

Your CGL policy includes these ISO forms:

• CG 20 10 04 13 – Additional Insured: Ongoing Operations (requires written contract with the party)

• CG 20 38 04 13 – Automatic Additional Insured: Ongoing Ops (for parties required by contract)

• CG 20 37 04 13 – Additional Insured: Completed Operations (requires written contract with the party)

You issue a Certificate of Insurance and endorsements. The GC checks the boxes and sends you off to work.

But here’s the trap.

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✅ Ongoing Operations – Who Is Covered?

Under CG 20 10 and CG 20 38, the following parties are generally covered while the work is in progress:

• General Contractor – ✔️ Yes

• Owner – ✔️ Yes

• Bank & Assignees – ✔️ Yes

That’s because CG 20 38 provides automatic coverage for all entities required by written contract — even if they don’t have a direct contract with you.

So far, so good.

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❌ Completed Operations – Who’s NOT Covered?

Once your work is complete and a claim arises — say, a trip and fall after job completion — only the GC is covered under CG 20 37.

Why?

Because CG 20 37 only grants Additional Insured status for completed operations to parties with a direct written agreement with you — the subcontractor.

So:

• GC – ✔️ Yes

• Owner – ❌ No

• Bank & Assignees – ❌ No

That means the building owner or bank won’t be covered under your policy for post-construction claims unless you have a separate written agreement with them.

This creates a major liability gap and can lead to denied claims, lawsuits, and breaches of contract — even when you thought you were in compliance.

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🧠 What Can You Do?

When you’re negotiating your contract with the GC, you need to get out in front of this.

Here are three ways to ensure all required parties are properly covered:

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1. Get a Signed Agreement With the Owner, Bank, and Assignees

To meet CG 20 37’s requirements, ask the GC to help you facilitate a simple one-page agreement between you and the upstream parties.

This creates the “written contract” required to trigger completed operations coverage for them.

Sample Language Below ⬇️

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2. Ask for Broader Blanket A.I. Endorsements

Some insurance companies (though not all) offer non-ISO Additional Insured endorsements that do not require direct contracts to extend completed ops coverage.

If you want this flexibility, BGES Group can help place you with a carrier that offers it.

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3. Use a Wrap-Up (OCIP or CCIP)

If the job is large enough, an Owner-Controlled or Contractor-Controlled Insurance Program can provide project-wide coverage for all parties. This eliminates AI headaches altogether.

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📄 SAMPLE AGREEMENT (To Meet CG 20 37 Requirements)

Additional Insured Agreement – Completed Operations

Between:

Subcontractor: ABC Drywall & Painting, Inc.

Owner: Midtown Capital Partners, LLC

Bank: CityWide Construction Lending, LLC

Date: July 20, 2025

1. Purpose

Subcontractor is performing renovation work at 123 Lexington Avenue, New York, NY. The Owner and Bank request to be named as additional insureds for completed operations on the Subcontractor’s Commercial General Liability policy.

2. Agreement

Subcontractor agrees to name the Owner and Bank (including their assignees) as additional insureds under endorsement CG 20 37 04 13, or equivalent, covering liability arising from completed operations.

Coverage will be provided on a primary and non-contributory basis and include a waiver of subrogation.

3. Insurance Documentation

Subcontractor shall provide a certificate of insurance showing coverage and a copy of the additional insured endorsements.

4. Term

This agreement remains effective through the applicable statute of repose for the work performed.

Signed:

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ABC Drywall & Painting, Inc.

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Midtown Capital Partners, LLC

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CityWide Construction Lending, LLC

______

🤝 Build This Into Contract Negotiation

The time to handle this is before you sign the GC’s subcontract. During negotiations:

1. Flag the completed ops issue

2. Request the GC facilitate agreements with the owner and bank

3. Explain it’s a requirement under CG 20 37

4. Offer to provide the agreement template (like the one above)

When you handle this upfront, everyone is protected — and your business avoids legal and insurance headaches down the road.

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🛡️ Who Can Help You Do This Right?

BGES Group specializes in New York construction insurance. We know what GCs want, what insurance companies require, and how to close the gaps that can ruin your business.

We help subcontractors:

• Review and negotiate insurance language in contracts

• Structure insurance programs for compliance

• Provide sample agreements and legal workarounds

• Place coverage with carriers offering broader Additional Insured endorsements

• Avoid costly post-job lawsuits

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📞 Contact Us

Let’s have a quick call before your next job.

Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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A 10-minute conversation today can prevent a $500,000 problem tomorrow. Let’s make sure you’re covered — really covered — for every operation.

If you’re a New York contractor, your commercial general liability (CGL) and excess or umbrella liability insurance policies are more than just paperwork—they’re lifelines that protect your business from devastating lawsuits, costly claims, and project shutdowns. Yet, time and time again, contractors buy the wrong policies, work with inexperienced agents, or overlook key policy details that end up costing them big.

Here’s a guide to help you avoid costly mistakes and make smart choices when buying or renewing your CGL and umbrella/excess liability insurance policies.

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✅ 5 DO’s of Buying CGL and Excess Liability Insurance

1. DO Work with a Specialist in New York Construction Insurance

Not all insurance agents understand the complexities of New York’s construction liability market. Labor Law 240/241 claims, action-over exclusions, and aggressive third-party risk transfer practices make this a uniquely difficult market. Work with a broker who lives and breathes New York construction insurance—and has experience dealing with general contractors, project owners, and certificate requests.

2. DO Review Subcontractor Risk Transfer Language Carefully

If you hire subcontractors, make sure your policy supports risk transfer properly. Look for policies that provide additional insured status via endorsements like CG2010 (11/85 or equivalent), CG2037, and CG2038. You’ll also want waiver of subrogation and primary and non-contributory language to meet most GC and project requirements.

3. DO Make Sure Your Excess or Umbrella Policy Truly Follows Form

Your umbrella or excess liability policy should match (or “follow form” over) your underlying general liability policy. Many low-cost excess policies exclude key coverages or drop down in ways that don’t protect you. Make sure your umbrella includes action-over protection, covers additional insureds, and follows your general liability terms without nasty surprises.

4. DO Understand the Rating Basis and Premium Drivers

Your general liability premium is often based on payroll or subcontractor costs. Umbrella policies are typically rated off of the underlying limits and the nature of your operations. Track your payroll and subcontractor costs accurately, and communicate changes to your broker to avoid surprises at audit or renewal.

5. DO Get a Written Review of Exclusions and Endorsements

You need to know what your policy covers—and what it doesn’t. Ask your broker for a plain-English summary of key endorsements and exclusions. Pay close attention to:

• Labor Law exclusions

• Residential exclusions

• Roofing exclusions

• Height limitations

• Subcontractor warranty clauses

A five-minute review could save your business from a $1 million claim denial.

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❌ 5 DON’Ts of Buying CGL and Excess Liability Insurance

1. DON’T Buy Based on Price Alone

The cheapest policy is rarely the best. That $10,000 policy might have exclusions that could put you out of business after one claim. Always compare coverage first, price second.

2. DON’T Assume All Policies Include Action-Over Coverage

Labor Law 240/241 exposes contractors to strict liability when a worker falls from a height. Action-over claims—when a worker sues the owner or GC, who then sues you—can cost millions. Many budget policies exclude action-over protection, even in general and excess layers. If it’s not explicitly included, assume it’s excluded.

3. DON’T Ignore Subcontractor Coverage Requirements

If your subs are not properly insured, or you don’t collect and track COIs correctly, your own policy could be on the hook for their mistakes. Worse, you could be surcharged or denied renewal. Your policy should clearly state coverage for subcontracted work, and you need a system to verify your subs’ coverage.

4. DON’T Overlook Your Certificate Requests

If you’re constantly being asked for COIs with custom wording or endorsements, you need a broker who understands compliance. Some carriers won’t issue certain endorsements, causing project delays or disqualification. Don’t wait until you’ve been rejected by a GC—get your certificates reviewed up front.

5. DON’T Trust That Your Policy Will Be Accepted Everywhere

Just because you have insurance doesn’t mean it will be accepted by every general contractor, municipality, or project owner. Carriers like Atlantic Casualty, Lloyd’s of London (some programs), or certain surplus lines policies are often rejected due to limited coverage, poor claims history, or incomplete forms. Ask your broker if your policy is “widely accepted” before binding.

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Why Smart Contractors Choose BGES Group

At BGES Group, we specialize in New York construction insurance, including general liability, excess liability, workers’ compensation, and commercial auto. With decades of experience in the Tri-State area, we know the carriers, know the policies, and most importantly—know what can go wrong.

We don’t just sell policies—we help you build a risk management program that protects your business, wins you more work, and keeps your clients happy. Whether you’re a GC in Manhattan, a subcontractor in Yonkers, or a drywall contractor in Long Island, we’ve got your back.

We work with contractors in:

• New York

• New Jersey

• Connecticut

• And via our trusted partners, across the U.S.

We handle all types of contractors including tough classes of business:

• Asbestos

• Roofing

• Concrete

• Drywall

• Masonry

• Residential work

• Mixed-use and commercial renovations

Our Services Include:

• General liability & excess/umbrella policies

• Workers’ compensation and pay-as-you-go plans

• Commercial auto and inland marine

• Certificate management

• Claims guidance and loss control

⸻

Contact BGES Group Today

Stop wasting time with agents who don’t return calls or leave you hanging at audit time.

📞 Gary Wallach – Owner

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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Protect your business like a pro. Call BGES Group today.

Being a contractor can be an exciting yet challenging career path. Whether you’re working on small-scale home projects or large commercial buildings, risks are inherent in the job. However, understanding these risks and how insurance can assist protects not just your business, but also your peace of mind. This blog explores some common risks contractors face and how the right insurance can mitigate these challenges.1. Unexpected Property Damages

During a project, unforeseen incidents can lead to property damage. This could be as simple as a ladder breaking a window or a more significant structural issue. Contractor insurance helps cover these damages, preventing potential out-of-pocket expenses. Accidents are inevitable on dynamic and bustling construction sites, and even with the most stringent safety measures in place, mishaps can occur. It’s not just about shielding your finances; having insurance illustrates a commitment to integrity and accountability, crucial values in the contractor industry.

2. Injury Claims on the Job Site

Construction sites pose various safety hazards. If a worker or even a passerby gets injured, the financial responsibility can be burdensome. Insurance can help cover medical costs and legal fees related to such incidents. Consider the impact of unexpected injuries not only on the victim but also on project schedules and team morale. By integrating robust insurance policies, you build a resilient framework ready to support all parties involved in the event of an incident, promoting a culture of safety and trust.

3. Equipment Theft or Damage

Equipment is crucial for any contracting job. Theft or unexpected damage can halt a project. Insurance helps with the replacement costs, ensuring the project continues as planned. In today’s fast-paced environment, being able to quickly replace equipment minimizes downtime and keeps projects on track. Losing essential tools and machinery not only costs money but also time, which in business terms, translates directly into profit potential. By safeguarding equipment investments through reliable insurance, contractors can also afford peace of mind, focusing on project efficiency rather than potential interruptions.

4. Project Delays Due to Weather

Weather conditions can be unpredictable, causing delays. Although not directly covered, some insurance policies compensate for the financial impact of significant delays, helping you manage your cash flow. Imagine a stretch of heavy rains or unexpected snowstorms causing days of inactivity on-site. While acts of nature are beyond anyone’s control, handling their repercussions is not. The ability to financially cushion project timelines against the whims of Mother Nature requires foresight and proper insurance.

5. Legal Liabilities in Construction

Lawsuits can arise from dissatisfied clients or contractual misunderstandings. Liability insurance can help cover legal defenses and any settlements or judgments. In a landscape where contracts are intricate and client expectations can vary, liability coverage positions contractors to deal with claims effectively and professionally. By embedding legal risk management within your core operations, you enable a smoother, expedited handling of potential lawsuits, reflecting competency and transparency.

6. Faulty Workmanship Allegations

Claims of poor craftsmanship can occur, sometimes years after completing a job. With insurance in place, you can manage the costs associated with warranty repairs or replacements. This aspect of insurance highlights not just immediate solutions but also long-term protective strategies that anticipate and alleviate potential financial liabilities. Insuring your craftsmanship reassures both current and future clients of your quality standards, further solidifying trust and reputation.

7. Damage from Natural Disasters

Floods, hurricanes, and other natural events can cause significant damage. Specialized insurance coverage can protect your projects and business from the unexpected costs tied to these events. Catastrophic incidents are exceptions rather than rules, but their impact can be devastating. Proactively securing tailored insurance for natural disasters ensures that in the face of abrupt adversity, your business remains stable and viable.

8. Contractual Disputes and Resolutions

Disagreements over contract terms or performance can lead to costly and lengthy legal battles. Insurance can assist with legal counsel and any awards resulting from disputes. Given the complexity of contractor agreements, disagreements are as possible as they are diverse. By securing support through comprehensive insurance solutions, contractors can focus on harmonizing client relationships and steering the project towards successful outcomes without the looming threat of financial setbacks.

9. Cybersecurity Threats in a Digital Age

With digital tools integral to modern business operations, cybersecurity risks are a real threat. Cyber insurance can offer protection against data breaches and cyberattacks that might compromise sensitive information. As the construction industry embraces digital solutions for efficiency and project management, securing technological infrastructure becomes equally essential. Cyber insurance encapsulates diligent security measures, ensuring that your operations fortify resilience against both conventional and contemporary threats.

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

© – Copyright – 2025 – BGES Group
 

If you’re a New York contractor dealing with workers’ compensation insurance, chances are you’ve experienced at least one of the following frustrations:

• Surprise audit bills charging you 50% more than you expected

• Premiums skyrocketing because payroll isn’t being properly separated

• Endless hours chasing down records for audits or certified payrolls

• Stress trying to prove to insurance companies that your numbers are accurate

You’re not alone. These issues are all too common in the New York construction industry. But what if we told you there’s a better way—one that saves you time, money, and stress?

Let’s break it down.

The Problem: Workers Comp Audits in NY Are a Nightmare

New York contractors are under the gun when it comes to workers comp audits. Insurers don’t play around when it’s time to reconcile your actual payroll against the estimate.

We hear it every day from contractors:

• “They hit me with a 50% charge at audit!”

• “They lumped all my payroll into the highest-rated class code!”

• “I have no time to track all this, I’m running jobs!”

These are real complaints from real contractors. And it’s not always your fault. Your insurance company may be using outdated estimates, or you may not have the time or tools to break out payrolls by job, employee, or class code. And if you’re doing wrap-up work, the audit and reporting requirements are even more complicated.

The Solution: A Program That Combines Payroll & Workers Comp

Imagine this: your workers comp insurance is bundled together with your payroll service. That means all the data that the insurance carrier needs—for audits, classifications, and even certified payroll—is automatically accurate and organized.

That’s the kind of program we’re offering.

Here’s how it works:

Payroll and workers compensation are managed together under one system. Class codes are correctly applied to each worker based on the job and job site. Certified payroll reports are generated with ease. Wrap-up projects are easily tracked with clean record separation. And most importantly—there are no surprises at audit time because they already have the real numbers.

You may not even be required to do a formal annual audit. That’s right—when your payroll and workers comp are fully integrated, the insurance company already has what they need.

What Makes This So Powerful?

In a traditional setup, you deal with manual audits that waste time, risk class code errors that cost thousands, and force you to do all the legwork yourself. Certified payroll is a burden, and wrap-up or OCIP payrolls can turn into complete chaos if not tracked separately.

But with this integrated system, everything is automated and done for you. You’re no longer the middleman between the job site and the insurance company. All the reports are built-in. The numbers are accurate. Time is saved. Mistakes are minimized. You regain control of your business operations without the administrative headaches.

This is not a gimmick. It’s a tested and trusted approach that contractors around the country are using to eliminate audit stress, reduce premiums, and free up their time.

But What If You Only Work in NY?

BGES Group is based in New York and we’ve been workers compensation specialists for over 30 years. We’ve worked with hundreds of contractors in the tri-state area—New York, New Jersey, and Connecticut. We know the rules, the audits, the classifications, and the common pitfalls.

But we’ve also partnered with an experienced associate who can assist contractors in all 50 states with this integrated program. That means whether you’re a GC in Manhattan or a subcontractor on a project in Florida, Texas, or California, we can get you set up with a system that works.

Benefits at a Glance

Here are 10 reasons why you should consider switching to this smarter solution:

1. No more audit nightmares – real-time payroll data makes audits unnecessary or easy

2. Avoid premium overcharges – correct class codes from the start

3. Certified payroll handled – meet government project requirements with ease

4. Clean wrap-up reporting – separate job records for OCIP/CCIP projects

5. Time savings – eliminate hours spent preparing audit documents

6. Cost control – pay premiums based on actual payroll, not inflated estimates

7. Simplicity – one system handles payroll and comp together

8. Flexibility – works for both union and non-union contractors

9. Support – ongoing help from insurance and payroll experts

10. Scalability – great for small contractors and large firms alike

Why BGES Group?

We’re not just another insurance broker. BGES Group specializes in construction and workers compensation. We know what NY contractors face every day, and we know how to make your life easier.

Whether you’re dealing with a tough audit, overcharges, class code confusion, or certified payroll issues, we can help you implement a better system that’s tailored to the way your business actually works.

We serve the New York, New Jersey, and Connecticut markets directly. And for this special program, our associate can help contractors in any state across the U.S.

Let’s Talk

If you’re tired of getting crushed at audit time, fed up with paperwork, or just want a more efficient and accurate way to manage your workers compensation insurance, give us a call.

We’ll walk you through how the program works and see if it’s a fit for your business.

Contact BGES Group:

Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

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Don’t let another audit or overcharge drain your profits. There’s a smarter way to handle workers comp—and it starts with a simple conversation.

Let BGES Group show you how to protect your business, streamline your operations, and finally take control of your workers compensation insurance.

If you’re a contractor Why is my insurance agent impossible to reach when I need them most?”

Or maybe this sounds familiar:

• “They charged me policy and service fees I didn’t even know about.”

• “Every time I call, I get a different account manager.”

• “It takes them forever to send out a certificate.”

• “They only call me when they want to renew my policy—or sell me something.”

Unfortunately, this is the standard experience for far too many contractors when it comes to their liability and workers compensation insurance.

You’re not asking for much—just someone who actually knows what they’re doing, answers the phone, helps when there’s an issue, and takes care of you like your business matters. Is that really too much to expect?

10 Complaints NY Contractors Have About Their Insurance Agencies

Here’s what we hear all the time from frustrated contractors:

1. No one answers the phone – You’re left chasing down your agent when you’re on a job and need help fast.

2. Delayed certificates of insurance – You lose out on jobs because the COI takes days to arrive.

3. No construction expertise – Your agent doesn’t understand how your policies work or what endorsements you really need.

4. Account executive turnover – The person handling your account keeps changing, and no one knows your business.

5. Hidden policy and service fees – You’re paying extra for “services” that should already be included.

6. Wrong classifications and audit issues – You’re overpaying or being hit with surprise bills at audit time.

7. Lack of proactive service – Your agent never checks in or offers suggestions to improve your coverage or pricing.

8. Poor claim support – When something goes wrong, you’re on your own dealing with the insurance company.

9. Overpriced policies – You’re not shopping the market, and your premiums are climbing each year.

10. General indifference – You feel like just another number in a huge agency that doesn’t care.

Does any of this sound familiar?

If so, it’s time for a change.

Meet BGES Group – The Insurance Partner You’ve Been Looking For

At BGES Group, we built our agency around solving all the problems listed above. Our mission is simple: Provide contractors with expert-level service, hands-on support, and honest, fair pricing—every single day.

We’ve been working with New York contractors for over 44 years. This is not a side hustle. Construction is our specialty. From general contractors to subcontractors in trades like masonry, carpentry, drywall, electrical, plumbing, excavation, roofing, and more—we know the coverages you need and the exposures you face.

Here’s what you get with BGES Group that you don’t get anywhere else:

• Fast, responsive service. You call—we pick up. You text—we answer. You email—we reply. Same day. Often within minutes.

• Certificates of Insurance in minutes. Not hours. Not days. You need to get on a job—we get it done.

• Construction insurance expertise. You’ll talk to someone who actually knows New York liability and workers comp, including contract requirements, policy forms, class codes, and audit processes.

• No service or policy fees. Ever. We make our money from the insurance companies—not by nickel-and-diming our clients.

• Stable account management. Your contact doesn’t change every few months. You deal with one point of contact who knows your account inside and out.

• Year-round support. We don’t just show up at renewal. We’re here all year to help with audits, changes, claims, contracts, and anything else you need.

• Aggressive pricing. We shop the market and know which carriers are giving the best deals to contractors—so you’re not overpaying.

• Help with audits and claims. We guide you through audits to avoid surprise charges and support you if a claim arises.

• Help with wrap-up, OCIP, and high-risk policies. We know how to handle the tough stuff other agents don’t want to deal with.

• A real relationship. We care about your business, and we act like it.

We Handle Both Liability and Workers Compensation—The Right Way

Too many agencies just throw policies together without explaining anything. We don’t work like that.

• For General Liability, we ensure you’re using the correct class codes, covered for subcontracted work, and not exposed to unnecessary exclusions (like labor law, residential exclusions, or action-over).

• For Workers Compensation, we’ll make sure your payroll is properly classified, help you avoid big audit bills, and connect you with pay-as-you-go or bundled payroll/comp solutions if you need them.

Not Just NY—We’ve Got You Covered Nationwide

BGES Group is based in New York and focuses heavily on the tri-state area (New York, New Jersey, Connecticut). But if you work in other states, or are expanding your operations, we can still help. In fact, for certain specialty programs—like combined payroll/workers comp setups—we work with partners who can assist contractors in all 50 states.

You Deserve Better—Let’s Talk

If you’re tired of insurance agents who don’t return your calls, give you the runaround, and make insurance more stressful than it needs to be, it’s time to see what a real construction insurance specialist can do for you.

We’ll review your current coverage, explain what you’re really paying for, and let you know if you’re getting a fair deal. There’s no pressure and no obligation—just solid advice from a team that knows your business and cares about helping contractors succeed.

Contact BGES Group Today:

Gary Wallach

📱 Phone: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: http://www.bgesgroup.com

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You don’t have to settle for slow service, confusing policies, or agents who disappear after they sell you a policy. At BGES Group, we do insurance the right way—fast, honest, and built for contractors like you.

Make the switch and see the difference for yourself.

Let BGES Group be the last insurance partner you ever need.

Running a business today comes with plenty of responsibilities — and when it comes to managing payroll, workers’ compensation insurance, and keeping up with employment law compliance, it can feel overwhelming. That’s why more business owners are partnering with Professional Employer Organizations (PEOs) to help them take control of these essential but time-consuming areas.

In this article, we’ll explain what a PEO is, how they handle payroll and workers’ compensation, why they make life easier when it comes to audits, how they simplify certified payroll reporting, and give you 10 valuable reasons to consider joining a PEO. Finally, we’ll introduce you to BGES Group — a trusted advisor helping businesses like yours access the best PEO and insurance solutions.

What Is a Professional Employer Organization (PEO)?

A Professional Employer Organization (PEO) is a company that partners with businesses to provide a full range of human resources services through a co-employment relationship. This means while you continue to manage your employees and business operations, the PEO takes over key administrative functions such as payroll, tax filings, employee benefits administration, HR support, and workers’ compensation coverage.

In this setup, the PEO becomes the employer of record for tax and insurance purposes, while you retain control over hiring, job duties, and daily management of your workforce. It’s a relationship designed to relieve business owners of administrative headaches while giving them access to resources typically reserved for larger companies.

How PEOs Handle Payroll and Workers’ Compensation

Payroll Services

One of the core services a PEO provides is payroll processing and administration. Here’s how it works:

• You submit employee hours, salaries, commissions, and bonuses to the PEO.
• The PEO processes payroll, calculates withholdings, and handles tax deductions for federal, state, and local taxes.
• They issue paychecks or direct deposits to employees.
• The PEO takes care of quarterly and year-end tax filings, W-2s, and garnishments.
• Many PEOs also handle time-off tracking, PTO accruals, and benefits deductions automatically through their payroll system.

Certified payroll reporting is another area where PEOs shine. For contractors working on government-funded projects, certified payroll is required to track and report employee wages, job classifications, and benefits on public works projects. PEOs manage certified payroll with ease, generating and submitting the necessary reports in the correct format and on schedule — a huge time-saver for contractors.

Workers’ Compensation Management

PEOs also offer workers’ compensation insurance through their master policy, covering your employees under their plan. Here’s what the PEO handles for you:

• Securing and maintaining workers’ comp coverage
• Reporting and managing workplace injury claims
• Coordinating medical care and return-to-work plans
• Providing workplace safety resources and risk management support
• Handling premium audits on your behalf

Because PEOs pool thousands of employees under one policy, they can negotiate lower rates and better coverage options than small businesses typically find on their own.

How PEOs Make Life Easier When It Comes to Audits

Ask any business owner what one of their least favorite tasks is, and you’ll hear about insurance audits. Audits, especially for workers’ compensation, require extensive payroll records, certificates of insurance, and job classification reports. If your paperwork isn’t perfect, you could end up with penalties or unexpected premium bills.

Here’s where a PEO makes a massive difference:

Since the PEO runs your payroll and maintains all payroll-related records — including gross wages, job classifications, overtime, and tax withholdings — they already have everything auditors need. There’s very little you need to provide because the PEO tracks payroll, benefits, and workers’ comp details in real-time.

When audit season rolls around:

• The PEO prepares the audit paperwork
• Provides wage and payroll summaries
• Submits required tax forms
• Participates directly in the audit

As a result, your audit becomes a non-event. No scrambling for records, no hours of lost productivity, no nasty surprises.

10 Key Benefits of Joining a PEO

1️⃣ Simplified, Accurate Payroll Processing

PEOs process payroll for you — calculating wages, handling taxes, and issuing paychecks or direct deposits on time.

2️⃣ Certified Payroll Reporting Made Easy

For government contractors, certified payroll is mandatory. PEOs generate and submit these reports accurately and on schedule, keeping your projects compliant and running smoothly.

3️⃣ Competitive Workers’ Compensation Rates

By bundling your coverage under their master policy, PEOs often deliver better workers’ comp rates than small businesses can find independently.

4️⃣ Stress-Free Audits

Since PEOs already handle your payroll and insurance, they manage the audit process for you — with little to no work on your end.

5️⃣ HR and Compliance Support

Employment laws are constantly changing. PEOs keep you compliant with federal, state, and local regulations and provide expert HR support.

6️⃣ High-Quality Employee Benefits

Through the PEO, your employees gain access to health insurance, dental, vision, life insurance, and retirement plans typically available only to large corporations.

7️⃣ Workers’ Compensation Claims Management

PEOs handle injury claims, coordinate medical care, and oversee return-to-work programs, reducing your administrative burden and limiting claim costs.

8️⃣ No Large Upfront Premium Deposits

Workers’ comp premiums through a PEO are typically paid on a pay-as-you-go basis with each payroll, improving your cash flow and avoiding big deposits.

9️⃣ Risk Management Resources

PEOs provide safety training programs, OSHA compliance tools, and on-site safety assessments to help reduce workplace accidents and claims.

🔟 Focus on Running Your Business

With payroll, benefits, workers’ comp, and HR compliance off your plate, you can dedicate more time to growing your business and serving your customers.

Why Work with BGES Group?

At BGES Group, we specialize in helping contractors, construction firms, and businesses of all kinds find the right PEO programs and insurance solutions to protect their operations and improve cash flow.

If your business struggles with:

• High workers’ comp rates
• Time-consuming payroll and certified payroll reporting
• Complicated audits
• Employment law compliance issues
• Lack of competitive employee benefits

We can help.

We work with several of the industry’s top PEO providers and can connect you with a program tailored to your business’s size, industry, and needs. And if a PEO isn’t the right fit, we offer outstanding standalone workers’ comp programs and business insurance options, too.

Contact BGES Group Today!

Take the stress out of payroll, workers’ compensation, certified payroll, and insurance audits. Reach out today for a free, no-obligation evaluation.

📞 Call Gary Wallach at (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: www.bgesgroup.com

Let BGES Group help you find the right PEO program — saving you time, money, and headaches while protecting your business and your employees.

In New York’s complex construction landscape, general contractors face a mountain of liability—even when subcontracting most of the work. Just because you’re not swinging the hammer doesn’t mean you’re free of responsibility. In fact, if you’re a GC who subs out a large percentage of your work, your insurance portfolio needs to be airtight—and expertly structured—to protect you from the massive financial and legal risks that come with every project.

From Labor Law claims to subcontractor mistakes, contractual pitfalls, and environmental exposures, the insurance requirements for a New York general contractor go far beyond basic coverage. This article outlines the must-have policies, the hidden risks of subcontracting, and how a trusted partner like BGES Group can help you build with confidence across the Tri-State Area.

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1. Commercial General Liability (CGL): Your Primary Safety Net

Every general contractor needs a robust Commercial General Liability (CGL) policy. This is your first line of defense against claims of:

• Bodily injury
• Property damage
• Completed operations incidents
• Personal and advertising injury

But here’s the catch—many CGL policies are written with exclusions or limitations that can leave you exposed, especially when you’re subbing out a large percentage of the work.

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2. Subcontractor Documentation and Hammer Clauses: The Deal-Breaker

Most contractors understand the importance of requiring insurance from their subcontractors—but few realize that your own CGL policy can deny a claim if documentation isn’t in place before work starts.

This is where soft and hard hammer clauses come in:

• A soft hammer clause might reduce your insurer’s liability if you failed to collect proper insurance documents from a sub.
• A hard hammer clause could result in a full denial of coverage, even if the subcontractor was at fault.

If your subcontractor doesn’t provide a valid certificate of insurance, name you as an additional insured, include primary & non-contributory wording, and sign a hold harmless/indemnification agreement—you could be paying a claim out of pocket.

3. Labor Law 240/241 Coverage: The New York Danger Zone

New York’s infamous Labor Laws 240 and 241, also known as the “Scaffold Law,” place absolute liability on general contractors and property owners for gravity-related injuries—even if the injured worker was employed by a subcontractor and partially at fault.

If your CGL policy excludes Labor Law coverage—or if your subcontractor was uninsured or undocumented—you’re on the hook.

Many standard policies either limit or exclude Labor Law claims. You must work with a broker who understands how to ensure you’re covered and your subs are properly vetted.

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4. Liability Limits: How Much Is Enough?

Given the scale of potential lawsuits in New York, minimum liability limits should be:

• $1 million per occurrence
• $2 million general aggregate
• $2 million completed operations aggregate
• $1 million personal/advertising injury

However, for contractors involved in larger projects, it’s smart to carry an umbrella or excess liability policy of $2 million to $10 million+. One Labor Law claim or serious injury can easily exceed standard policy limits.

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5. Professional Liability (Contractors E&O): Your Hidden Exposure

Many GCs don’t realize they can be held liable for design errors, miscommunication, or project management decisions—even if they didn’t perform the work themselves.

A Professional Liability (Contractors E&O) policy protects you from claims related to:

• Project oversight mistakes
• Improper change orders
• Misinterpretation of blueprints/specs
• Design-build work

If you’re involved in design delegation or construction management, this coverage is critical.

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6. Pollution Liability: Don’t Let Environmental Hazards Sink You

Whether it’s mold, asbestos, fuel spills, or hazardous materials from demolition work, pollution-related incidents are often excluded from standard liability policies.

Contractor’s Pollution Liability (CPL) protects against:

• Cleanup costs
• Legal fees
• Third-party bodily injury/property damage

Even if your subs are the ones generating the pollution, you can still be liable as the GC.

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7. Business Auto Insurance: More Than Just Vans and Trucks

If your company owns vehicles—or even if employees use their personal vehicles for work-related tasks—you need Business Auto Insurance. This policy should include:

• Liability coverage
• Physical damage
• Hired and non-owned auto coverage (HNOA)

HNOA is especially important if your team uses rented vehicles or their personal cars for business, such as site visits or materials delivery.

8. Workers’ Compensation & NYS Disability: State-Mandated Protection

If you employ anyone directly—even administrative staff—you must carry:

• Workers’ Compensation Insurance: Covers job-related injuries and illnesses.
• New York State Disability Benefits Law (DBL): Covers off-the-job injuries and short-term disability for employees.

Non-compliance can lead to steep fines, lawsuits, and criminal penalties.

Even if you use mostly subcontractors, having the proper classification and coverage in place is crucial to avoid penalties during audits.

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9. Bid & Performance Bonds: Winning and Securing Work

To win public or large private contracts, many project owners require:

• Bid Bonds: Guarantees that you’ll enter into the contract if awarded.
• Performance Bonds: Guarantees project completion per the contract terms.

A good bonding relationship also enhances your credibility and helps you qualify for more lucrative jobs. BGES Group can help you secure these bonds and manage your bonding capacity.

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10. Group Health Insurance: Attract and Retain Skilled Labor

With a shortage of skilled construction workers, offering group health insurance can help you attract and retain top talent. Plans can be tailored for:

• Office staff
• Field employees
• Owner/operators

Providing benefits not only boosts morale—it reduces turnover and can improve productivity.

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11. Why Choose BGES Group?

At BGES Group, we specialize in construction insurance for general contractors and subcontractors, particularly those operating in high-liability regions like New York, New Jersey, and Connecticut.

We understand the challenges of managing subcontractor risk, navigating Labor Law exposure, and building an insurance program that actually responds when you need it most.

Our services include:

• Customized policy design
• Subcontractor documentation review
• Risk management consulting
• Claims assistance
• Fast, personalized service

We’ve helped countless contractors stay protected, compliant, and competitive in one of the toughest construction markets in the country.

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12. Service Area

BGES Group proudly serves contractors throughout the Tri-State Area, including:

• New York
• New Jersey
• Connecticut

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13. Contact BGES Group Today

Whether you’re building from the ground up or managing complex renovation projects, let BGES Group help you build a safer, stronger foundation for your business.

📞 Phone: (914) 806-5853 – Gary Wallach

📧 Email: info@bgesgroup.com

🌐 Website: www.bgesgroup.com

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Final Word: Don’t Let One Mistake Wreck Your Business

Subcontracting doesn’t mean transferring risk—it just changes how it must be managed. Without the right insurance policies, contract controls, and documentation processes, one accident, one claim, or one oversight could put your entire business at risk.

Let BGES Group help you protect what you’ve built—so you can keep building, smarter and safer.

Contractors are some of the hardest-working people around. Long hours, tough physical labor, unpredictable weather, demanding clients, and managing teams—there’s no such thing as a “quiet” week in the construction world. That’s why Sunday is sacred.

It’s the one day where they get to hang up the hard hat, step away from job sites, and hit the pause button. Whether they’re solo tradespeople or running multi-crew operations, most contractors crave a simple thing on their day off: balance.

So, how does the modern contractor spend their Sunday? Here are the 10 things they enjoy most doing to recharge and reset before another busy week.

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10 Things Contractors Love Doing on Their Sunday Day Off

1. Sleeping In (Finally!)

After six straight mornings of 5:00 AM wakeups, sleeping in until 8 or 9 feels like luxury. It’s a rare moment to let the body rest without the jarring buzz of a job site alarm.

2. Spending Time with Family

Contractors miss out on a lot of family time during the week. Sunday becomes the perfect day to catch up—with a backyard BBQ, movie night, or just hanging out in the living room with the kids.

3. Watching Sports

Whether it’s NFL Sunday, a baseball doubleheader, or a Premier League match across the pond, contractors love unwinding with their favorite teams and a cold drink.

4. Working on Personal Projects

Many contractors are creators at heart. They might spend a few hours in the garage fixing an old car, building a treehouse, or tackling that long-postponed bathroom remodel at home—projects done out of passion, not obligation.

5. Outdoor Adventures

Fishing, hiking, biking, or hitting the trails with their dog—contractors often crave the outdoors but don’t always get to enjoy it. Sunday gives them that freedom.

6. Grilling and Cooking

There’s something special about standing over a grill with music playing and a cold drink in hand. Many contractors love preparing a big family meal, and Sunday is the best day to do it.

7. Church or Spiritual Time

For some, Sunday is about more than rest—it’s about reflection. Attending church or spending quiet time in nature helps them recenter before the week starts.

8. Watching Movies or Bingeing TV Shows

Sometimes, the best way to relax is simply to flop on the couch and catch up on missed shows or finally finish that movie everyone’s talking about.

9. Catching Up with Friends

A lot of friendships get squeezed out by long work hours. Sunday brunch, golf, or a simple coffee meetup gives contractors time to reconnect with people they care about.

10. Doing Absolutely Nothing

Some Sundays are made for sweatpants, naps, and zero responsibilities. Contractors often need a day with no expectations—just rest, peace, and maybe a nap or two.

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The One Thing Contractors Don’t Want to Do on Sunday? Insurance Paperwork.

Let’s face it—dealing with insurance is the last thing any contractor wants to do on their day off. Between juggling job bids, managing workers, and dealing with equipment or vehicle issues, trying to understand a confusing policy or chasing down a certificate of insurance can push anyone over the edge.

That’s where BGES Group comes in—offering a simple, reliable way to manage your business insurance, so you never have to worry about it on your day off (or any day, really).

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BGES Group: The Contractor’s Insurance Partner

BGES Group isn’t just another insurance agency. They specialize in helping contractors—and they’ve built their reputation on speed, service, and smart insurance solutions that make life easier for busy professionals like you.

Whether you’re a general contractor, electrician, roofer, HVAC tech, plumber, or operate in a niche trade, BGES Group provides coverage that’s tailored to your specific business risks.

No more wasting your Sunday sorting through confusing policies or waiting days for a COI.

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How BGES Group Helps Contractors

✅ Contractor-Focused Insurance Expertise

BGES Group works exclusively with contractors, meaning they understand your challenges, your risks, and the coverage you actually need. No cookie-cutter policies—only custom-fit protection.

✅ Fast, Same-Day Certificates of Insurance

Need a COI for a new job? They’ll get it to you fast—often the same day—so you’re never held up by paperwork.

✅ All the Coverage You Need

From General Liability, Workers’ Compensation, and Commercial Auto to Inland Marine, Umbrella, and Builder’s Risk coverage, BGES Group handles it all—under one roof.

✅ Competitive Rates

Because BGES Group works with top-rated insurance carriers, they can shop around and get you the best coverage for your budget. It’s one less thing you have to worry about.

✅ Personal Service

No call centers. No generic advice. When you work with BGES Group, you get a real person who knows your name, understands your business, and is ready to help.

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Areas BGES Group Serves

BGES Group proudly serves contractors in the Tri-State area:

• New York
• New Jersey
• Connecticut

If you’re a contractor operating in this region, BGES Group understands your local regulations, licensing requirements, and unique business challenges. That means quicker solutions and smarter policies—so you can get back to doing what you do best.

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Work Hard, Rest Easy—BGES Group Has Your Back

Contractors work tirelessly all week long. When Sunday rolls around, they should be doing what they love—not stressing over business insurance.

With BGES Group in your corner, you get peace of mind knowing that your business is protected by professionals who care, who act fast, and who genuinely understand what it means to run a construction business in today’s world.

Let BGES Group handle the policies and paperwork, so you can handle your grill, your game, or your next big Sunday nap.

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Contact BGES Group Today

Ready to simplify your insurance and get back to enjoying your Sundays?

📞 Call: 914-806-5853 – Gary Wallach

📧 Email: info@bgesgroup.com

🌐 Website: www.bgesgroup.com

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BGES Group — The Trusted Insurance Partner for Hardworking Contractors.

Because your day off should be yours. And your business? Covered.

There’s nothing quite like the excitement of transforming your home. Whether it’s adding a new wing, gutting the kitchen, or building that dream sunroom, renovations can improve your property’s value, function, and appeal. But while you’re busy picking paint colors and tile samples, one thing many homeowners overlook is their insurance coverage — and trust me, that’s a big mistake.

I get calls all the time from homeowners who are knee-deep in a project and suddenly realize they have no idea if their insurance covers them. Many ask about Builders Risk policies, and while it’s not something my firm handles, I wanted to write this article to give you some clear, no-nonsense guidance. Because whether it’s my area of business or not, I believe people deserve solid advice when it comes to protecting their property.

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Does Your Homeowners Insurance Cover You During Renovations?

The truth is, your standard homeowners insurance policy might offer limited coverage during a renovation — or none at all, depending on the scope of the work. Policies are designed to protect completed homes, not active construction sites.

While some homeowners policies may continue to offer protection against certain perils like fire or vandalism during renovations, there are often exclusions or limitations for damage caused by construction activities. Additionally, liability protection might not extend to injuries or property damage that occur as a result of the work being done.

Key things to watch for in your homeowners policy:

• Exclusions for homes under renovation

• Limitations on coverage for theft of building materials

• Reduced liability coverage during construction

• Potential coverage suspension if the home becomes vacant during the project

• Requirements for you to notify your insurance company before starting work

Important note: If you’re planning a renovation, your first call should be to the insurance agent who services your homeowners insurance policy. They can review your current coverage, explain any limitations, and help you secure the appropriate protection for your renovation project.

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What If You’re Not Living in the Home During Renovations?

This is a critical issue many homeowners overlook. If you move out of your home for an extended period — typically 30 or 60 days, depending on your policy — your homeowners insurance may reduce or even suspend certain coverages.

Most standard homeowners policies contain a vacancy clause. If the home is considered vacant (meaning no one is living there), some types of protection may no longer apply, including:

• Vandalism and malicious mischief

• Glass breakage

• Water damage from plumbing or heating systems

• Theft of personal property and building materials

In some cases, your liability coverage might also be limited or suspended while the home is unoccupied during construction.

That’s why it’s essential to speak to your homeowners insurance agent before moving out for a renovation. Your agent can review your policy’s conditions and exclusions related to vacancy and advise you whether you need to adjust your coverage, add a vacancy permit endorsement, or consider a Builders Risk policy during the renovation.

Failing to address this can leave you exposed to serious uninsured losses if something goes wrong while your home is empty and under construction.

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Will You Need a Special Endorsement or Builders Risk Policy?

If your insurer doesn’t offer a suitable endorsement — or if your project is large in scope or leaves the property vacant — you may need a Builders Risk insurance policy.

Builders Risk covers:

• The structure under renovation

• Building materials on-site, in transit, or temporarily stored elsewhere

• Certain types of property damage (fire, theft, vandalism, wind, etc.)

It typically does not cover:

• Liability for injuries to workers or visitors

• Faulty workmanship

• Flood and earthquake damage (unless endorsed)

A lot of people call me at BGES Group looking for Builders Risk coverage. And while it’s not our cup of tea — we specialize in contractor and business insurance — I wanted to write this article to give homeowners guidance so they know where to turn. Your insurance agent who handles your homeowners policy is the person you should call for this type of coverage.

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What If You Act as Your Own General Contractor?

If you decide to manage your renovation and hire subcontractors directly, you’re not just responsible for making sure the work gets done — you’re also legally and financially liable for the site.

You should absolutely carry:

• Builders Risk Insurance

To protect your home and building materials.

• General Liability Insurance

This protects you if someone (like a neighbor, delivery driver, or vendor) gets injured on your property.

• Workers’ Compensation Insurance (or verify your subs have it)

If any subcontractor or laborer gets injured, you could be held liable if they don’t have their own coverage.

Your homeowners insurance agent can help you coordinate Builders Risk and personal liability coverage for this scenario.

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What If You Hire a General Contractor?

If you’re hiring a licensed GC, it makes things simpler — but you still need to protect yourself. Don’t assume your GC’s coverage will automatically protect you.

Here’s what you should require:

• General Liability Insurance: Minimum of $1 million per occurrence, $2 million aggregate.

• Workers’ Compensation Insurance: Covering all employees and subcontractors.

• Builders Risk Insurance: Clarify whether the GC carries it, or if you’ll need to.

• Certificate of Insurance (COI):

Make sure it’s current, lists you as an additional insured, and covers the project duration.

These are conversations your homeowners insurance agent can assist with, and they can advise whether additional personal liability coverage makes sense during the project.

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Why I’m Writing This

Like I mentioned earlier, a lot of people call me asking for Builders Risk insurance. It’s not something we write at BGES Group — we focus on business and contractor insurance — but after hearing so much confusion from homeowners, I wanted to provide some clear guidance.

At the end of the day, your homeowners insurance agent is the expert you should be speaking to about coverage for your home, renovations, and personal liability during construction, especially if the home will be vacant for any period of time.

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Who Is BGES Group and What Do We Do?

At BGES Group, we don’t write Builders Risk or homeowners policies — but we are experts in business, contractor, and construction-related insurance throughout New York and the tri-state area.

We help contractors, business owners, and property managers navigate:

• General Liability Insurance

• Workers’ Compensation Insurance

• Excess Liability Coverage

• Contractor Bonds and Risk Management Solutions

If you’re a contractor or business owner looking for an experienced team that understands the ins and outs of construction insurance, BGES Group is your go-to resource.

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Contact BGES Group

📞 Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

⸻

Final Word

Renovating your home is an exciting investment, but it comes with risks most homeowners never anticipate. The right insurance strategy protects your property, your finances, and your peace of mind.

Before you pick up a hammer, hire a crew, or move out during a renovation, call the insurance agent who services your homeowners policy. They’ll help you find the right coverage and keep your home — and your renovation — properly protected.

And if you’re a contractor, property manager, or business owner looking for expert insurance advice — that’s where BGES Group comes in.