With reports of cyber criminals increasingly focusing on smaller companies for targeted attacks, businesses that store sensitive data need to consider how they protect their information systems now more than ever.

While you can install firewalls and take other precautionary measures, should an attack occur, you’ll be left facing untold costs, possible fines, and lawsuits by those whose data may have been exposed.

One way to protect your company is by securing a cyber liability policy.

But what does a cyber policy cover and why should you get one? You may think an attack will never target your firm, but if it does and you’re without insurance coverage, you may regret not acting sooner.

Below are the top 10 reasons to consider buying a cyber liability policy:

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1. Data is a very valuable asset

Your data is almost certainly worth many times more than the physical equipment that stores it.
Yet most business owners do not realize that a standard property policy would not respond if this data is damaged or destroyed. A cyber policy can provide comprehensive coverage for data restoration and rectification in the event of a loss—no matter the cause—up to the full policy limits.

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2. Systems downtime is not covered by a business interruption policy

If a cyberattack, computer virus, or malicious employee brings down your point-of-sale software or other crucial systems, a traditional business interruption policy won’t help.
Cyber insurance can provide coverage for profit loss due to a system outage caused by a computer virus or denial-of-service (DoS) attack.

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3. Cyber crime is the fastest-growing type of crime

Thanks to the internet, your business is exposed to global threats 24/7.
Phishing scams, ransomware, identity theft, and phone hacking are all threats that traditional policies do not cover. Cyber insurance offers protection against a broad range of electronic perils that can threaten your financial health.

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4. Your company can be held liable if it loses third-party information

Non-disclosure agreements and contracts often include data security warranties. A breach could lead to expensive damages claims.
Customers may also sue if their data is compromised—and regulatory fines may apply if you delay in notifying affected individuals.
A cyber liability policy can help cover these various costs.

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5. Businesses face severe penalties for losing credit card data

Global credit card fraud exceeds $7.5 billion annually, and businesses that experience a breach can be held liable for:

• Forensic investigation costs
• Credit card reissuance fees
• Fraudulent charges

These expenses can quickly add up—especially for smaller businesses. Cyber insurance can help cover all of them.

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6. Complying with breach notification laws costs time and money

Breach notification laws usually require you to inform individuals whose data was compromised.
Even when not legally required, customers expect transparency and accountability.
Cyber insurance can cover notification costs and related communications, helping you manage the situation professionally.

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7. Your reputation is your top asset—insure it

While not all reputational risks can be insured, cyber policies can help in the aftermath of a breach.
Losing customer trust can damage your business far more than the immediate financial loss.
Cyber insurance may cover public relations support and future sales lost due to the breach.

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8. Social media claims are on the rise

Employee activity on social media can lead to legal issues if something defamatory, false, or infringing is posted.
Cyber policies can cover claims related to:

• Data leaks
• Defamation
• Copyright infringement

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9. Portable device loss or theft can expose your firm

A stolen laptop, misplaced smartphone, or lost USB stick can result in significant data exposure or IP theft.
Cyber insurance helps cover breach costs related to portable device loss or infection, which are increasingly common.

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10. Small firms are increasingly being targeted

Cyberattacks on small businesses are growing.
According to Symantec’s “The Threat Landscape in 2024”, 31% of all attacks were aimed at firms with fewer than 250 employees.
Smaller companies often lack the financial buffer to recover from a breach. A cyber policy can provide a critical safety net.

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Don’t wait until it’s too late. A cyber insurance policy could be the difference between recovery and closure for your business.

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

When you’re a New York contractor working on a job site, it’s inevitable that you’ll need to rent equipment from time to time. From excavators and scissor lifts to bulldozers and cranes, equipment rentals are a routine part of doing business. But what many contractors don’t fully understand is how liability insurance works when rented equipment is involved — and what their policies do and don’t cover.

A frequent question we hear at BGES Group from contractors is this:

“If I rent an excavator from an equipment rental company and they drop it off at my job site, am I covered under my General Liability policy if someone gets hurt or property is damaged?”

It’s a smart question — and the answer requires a little unpacking, especially in New York where Labor Law 240/241 exposures make liability claims more dangerous and expensive than almost anywhere else in the country. Let’s walk through how this works, what’s covered, what isn’t, and whether or not you need additional coverage like Hired & Non-Owned Auto Liability.

How a Contractor’s General Liability Policy Responds to Excavator Use

First, it’s important to understand that a contractor’s Commercial General Liability (CGL) policy is designed to cover bodily injury (BI) and property damage (PD) to third parties arising out of the contractor’s operations. This includes accidents caused by the contractor’s use of equipment on a job site — whether it’s owned or rented.

So if you rent an excavator and, while operating it, accidentally knock over a fence on a neighboring property or cause debris to fall and strike a pedestrian walking by, your General Liability policy would typically respond to cover that claim, subject to policy limits, exclusions, and conditions.

However — and this is a big however — the GL policy does not cover damage to the rented excavator itself. Why? Because most GL policies include a “Care, Custody, or Control” exclusion, which means that once you take possession of a piece of rented equipment, any physical damage to it while in your control is not covered by your GL policy.

To protect yourself against that exposure, you need to carry Rented Equipment coverage under your Inland Marine (equipment floater) policy or purchase a damage waiver from the rental company when you rent the equipment.

Who’s Responsible During Delivery?

Another detail contractors often overlook is who’s responsible during the delivery of the equipment. If the rental company is transporting the excavator and something happens — for example, the equipment falls off the trailer and damages a vehicle, or a passerby is injured while it’s being unloaded — the rental company’s insurance is on the hook, not yours.

Your responsibility begins once the equipment is delivered, unloaded, and accepted at your job site. From that point on, any third-party bodily injury or property damage arising from your use of the equipment would be your liability.

Do You Need Hired & Non-Owned Auto (HNOA) Coverage?

Here’s another common question:

“Do I need Hired & Non-Owned Auto Liability coverage for this rental?”

The answer is typically no — but with an important caveat.

Under standard ISO General Liability policy language, excavators, bulldozers, backhoes, and other construction machinery are classified as ‘mobile equipment,’ not ‘autos.’ This means that as long as the excavator is being used on a job site, it falls under your GL policy for BI and PD claims involving third parties.

However, if you were to drive that excavator under its own power on a public roadway — say, moving it from one job site to another down the street — it may be classified as an “auto” under New York law and under your insurance policy. And here’s where Hired Auto coverage would become necessary.

Hired & Non-Owned Auto (HNOA) Liability covers liability arising out of the use of vehicles you hire, rent, or don’t own (like a rented truck or an employee’s personal vehicle used for company business).

While it wouldn’t typically apply to an excavator being used on-site, if that equipment is driven on a public road under its own power, your General Liability policy may exclude coverage, and you’d need either:

• Hired Auto Liability coverage, or
• An endorsement that extends coverage for this situation.

The good news is — most contractors don’t drive excavators on public roads. Typically, the rental company delivers and picks up the equipment using flatbed trucks, meaning no HNOA coverage is needed for this exposure. But it’s always smart to check the terms of your policy and your rental agreement to be sure.

Risk Management Tips for New York Contractors

If you’re a contractor in New York, where labor law claims and high-limit lawsuits are the norm, you can’t afford to leave your insurance program to chance. Here are a few quick tips:

• Confirm that your General Liability policy properly covers your operations and mobile equipment use.
• Carry Rented Equipment coverage on your Inland Marine policy with limits high enough to replace any equipment you might rent.
• Review rental contracts carefully, paying attention to indemnity and hold harmless clauses.
• Verify that the rental company’s insurance covers delivery and pickup.
• Maintain Hired & Non-Owned Auto Liability coverage for other potential exposures, like rented trucks or employees using personal vehicles.

How BGES Group Can Help

At BGES Group, we specialize in insuring New York and Tri-State area contractors. We understand the unique exposures you face — from complex labor law risks to the challenges of insuring heavy equipment and managing insurance certificates for job site compliance.

We’re not your average broker. At BGES Group, we provide:

• Access to contractor-specific insurance programs
• Expert advice on General Liability, Umbrella, Workers’ Compensation, Inland Marine, and HNOA coverages
• Risk management guidance and policy reviews
• Fast, reliable service when you need certificates or help dealing with rental companies and job site requirements

We work with contractors of all sizes and trades, and whether you’re a small residential GC or a large commercial builder, we can tailor a program that fits your needs and protects your business.

Contact BGES Group Today

If you’re a contractor in New York, New Jersey, or Connecticut and want to make sure your insurance program is working for you — not against you — give us a call.

📞 Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Let’s talk about how we can help protect your business better, for less.

If you’re a New York contractor, you’ve likely seen general liability and umbrella insurance rates climb in recent years. Between rising claims, nuclear verdicts, Labor Law exposure, and a tightening market, the financial pressure is real.

But here’s the good news: you’re not powerless.

There are proactive steps you can take to protect your business, improve your insurability, and fight back against painful premium hikes.

Here are 10 smart moves to make right now:

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1️⃣ Work with a Specialist Broker (Not a Generalist)

General brokers don’t cut it in New York construction. You need a partner who understands:

• Labor Law 240/241 liability
• How to market your risk
• How to negotiate exclusions & terms

👉 Choose a broker who lives and breathes NY construction insurance.

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2️⃣ Do an Annual Coverage & Claims Review

Before renewal:

• Review every policy and endorsement
• Analyze your loss runs
• Address recurring claim patterns

✅ Knowledge is power — and can save you thousands.

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3️⃣ Implement a Written Safety Program

Carriers reward contractors with formal safety protocols, including:

• Fall protection
• Site safety meetings
• Equipment inspections
• Incident reporting

📉 Safety = lower risk = lower premiums.

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4️⃣ Control Subcontractors & COIs

Uninsured or underinsured subs = disaster.
Always:

• Collect up-to-date Certificates of Insurance
• Require additional insured status
• Verify GL and excess limits

🔒 Build a strict prequalification system.

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5️⃣ Manage Labor Law (240/241) Exposure Aggressively

This is the biggest threat to NY contractors.
Tips:

• Train supervisors on fall protection
• Avoid owners who won’t indemnify you
• Push labor law risk to subcontractors (via contract)

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6️⃣ Track Payroll by Trade & Job Type

Premiums are based on payroll classification.

• Be accurate
• Track daily tasks
• Avoid sloppy records — they cost you in audits and rates

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7️⃣ Start the Renewal Process Early

Waiting until the last minute = fewer options.
Strategic marketing can mean:

• A 5% increase
  vs.
• A 25% hike

⏳ Start early. Let your broker shop the market properly.

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8️⃣ Have a Claims Management Plan

It’s not just the number of claims — it’s how you handle them.
Build a plan for:

• Prompt reporting
• Strong documentation
• Return-to-work programs

📉 Lower reserves = better renewal outcomes.

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9️⃣ Consider Deductibles & SIRs

If financially stable, you can:

• Raise deductibles
• Accept a self-insured retention (SIR)

💡 Talk to your broker. The savings can be worth it — if structured right.

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🔟 Work with Brokers Who Access Exclusive Programs

Some brokers (like BGES Group) have access to:

• Construction captives
• Specialty carriers
• Exclusive markets other brokers can’t reach

🎯 That means better pricing, better terms, and broader coverage.

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Who Is BGES Group — And How Can We Help?

We specialize in New York contractor insurance. It’s all we do.
We know:

• Labor Law liability inside and out
• The underwriters who matter
• How to position your business for better deals

Why Contractors Work With Us:

✅ Free policy & claims audits
✅ Access to exclusive contractor programs
✅ Safety & risk management support
✅ National and specialty market access
✅ Fast, personal service — no call centers

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📞 Let’s Talk Before Your Next Renewal

If you’ve been hit with:

• Rising rates
• Restrictive terms
• Last-minute surprises

…it’s time to make a change.

📞 Gary Wallach
📱 914-806-5853
📧 bgesgroup@gmail.com
🌐 www.bgesgroup.com

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Protect your business. Lower your costs. Partner with a broker who fights for New York contractors.

Navigating the world of insurance can be daunting for contractors in the excavation industry. With the unique challenges and risks involved, it’s crucial to have the right coverage in place. This blog will guide you through the essential excavation insurance options you need to safeguard your business and ensure peace of mind.1. General Liability Insurance

General liability insurance is fundamental for any contractor. It protects against third-party claims of bodily injury or property damage, ensuring you can handle unexpected incidents without financial distress. Whether you’re working on a small residential project or a large commercial site, accidents can happen that are beyond your control. This type of insurance acts as a financial shield, allowing you to focus on your work rather than potential legal battles. It’s especially important in public-facing projects where interactions with non-employees are common.

In addition to covering legal fees and settlements, general liability insurance can also cover medical expenses for injured parties. As an excavation contractor, this is crucial since the nature of the work involves heavy machinery and potentially hazardous conditions. Having this insurance not only protects your financial interests but also shows your clients and partners that you are a responsible and professional contractor. It’s an investment that can save you from significant expenses and headaches down the line.

2. Workers’ Compensation Insurance

With the physical demands of excavation work, protecting your workforce is a priority. Workers’ compensation insurance provides coverage for medical expenses and lost wages if an employee is injured on the job. This insurance is not just a legal requirement in many regions; it’s also a demonstration of commitment to your employees’ well-being. It fosters a safer work environment, encouraging your team to focus on productivity rather than worrying about their health and financial security.

Additionally, investing in workers’ compensation insurance can enhance your company’s reputation. Knowing that a company values its workforce can be reassuring to potential clients and partners. It can also reduce turnover rates, as employees are more likely to stay loyal to a business that safeguards their interests. Moreover, in the unfortunate event of a workplace accident, this insurance provides a straightforward process for support and compensation, minimizing disruptions to your operations.

3. Commercial Auto Insurance

Your excavation business likely relies on a fleet of vehicles to transport equipment and workers. Commercial auto insurance covers accidents, theft, and damage to ensure your operations continue running smoothly. Whether it’s a minor fender-bender or a major accident, this insurance can cover repair costs and liability expenses. It’s critical for minimizing downtime and maintaining your project timelines, as vehicle-related incidents can significantly derail your daily operations.

4. Equipment Insurance

Excavation work involves expensive machinery that is vital to your business. Equipment insurance offers protection against damage, theft, or loss of your valuable assets, keeping you operational even in unexpected situations. This coverage is particularly essential given the high replacement costs for heavy machinery like backhoes, bulldozers, and excavators. Equipment breakdown can lead to project delays, increased costs, and lost business opportunities if not addressed promptly.

In addition to protecting against unforeseen events, equipment insurance can also cover certain operational malfunctions. This ensures that even older pieces of machinery can be maintained or replaced without incurring excessive out-of-pocket expenses. As such, it’s an investment in your business’s resilience and longevity. By safeguarding such critical assets, you can ensure seamless operations and a better service delivery for your clients. Consider it as a cornerstone of your risk management strategy, which supports the sustainability of your business.

5. Professional Liability Insurance

Also known as errors and omissions insurance, this coverage protects you from claims related to mistakes or negligence in your professional services. It’s a crucial safety net for maintaining your reputation and financial stability. In excavation work, precision and expertise are key, yet mistakes can still happen. Professional liability insurance covers you in cases where a client claims that your advice or service caused financial harm. This form of protection is vital in maintaining trust with your clientele.

Having this insurance is especially beneficial in today’s increasingly litigious society, where even minor oversights can lead to costly legal proceedings. It ensures that your company can manage legal defenses, settlements, and judgements without substantial financial damage. This peace of mind allows you to focus on what truly matters: providing excellent service that meets the high standards of quality and safety that define the excavation industry. Moreover, it reflects a level of professionalism that sets you apart from the competition.

6. Environmental Liability Insurance

Given the nature of excavation work, environmental liability insurance is essential for covering pollution-related incidents or damages. This coverage can help mitigate costly clean-up operations and protect your business’s future. As regulations around environmental impact become increasingly stringent, it’s vital to have this type of insurance in place. Unintentional environmental damage can lead to substantial penalties and remediation costs, potentially devastating a business without the proper coverage.

Additionally, environmental liability insurance supports your commitment to sustainable practices. It assures clients and the community that you’re dedicated to minimizing environmental harm during your operations. By being proactive, you not only protect your business but also contribute positively to your industry’s reputation. This insurance also covers legal costs related to environmental claims, providing a comprehensive safety net that addresses the unique challenges and responsibilities of excavation work.

7. Builder’s Risk Insurance

This insurance is invaluable during construction projects, covering damages to structures, materials, and fixtures on-site. It ensures that unforeseen events like fires or vandalism don’t derail your project timelines or finances. Considering the multifaceted nature of excavation and construction projects, this insurance plays a crucial role in risk management. It covers losses not typically included in a standard property insurance policy, protecting the substantial investments involved in construction.

In many cases, builder’s risk insurance also includes coverage for hard-to-predict events, such as natural disasters or unexpected site conditions. This comprehensive approach is crucial for managing the many variables that can affect construction projects. It provides you with the financial flexibility needed to handle unexpected setbacks, thereby safeguarding your project’s timeline and budget. By securing builder’s risk insurance, you can keep your projects on track, ensure satisfied clients, and maintain your reputation for reliability.

8. Umbrella Insurance

For additional peace of mind, umbrella insurance provides extra liability coverage beyond the limits of your existing policies. It offers heightened protection against large or unexpected claims, securing your business against significant risks. In the high-stakes world of excavation, where operations often involve substantial machinery and skills-dependent tasks, having a safety net like umbrella insurance can be life-saving for your business’s financial health.

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
 

Ah, July 4th — the one time of year when it’s perfectly acceptable to eat your bodyweight in burgers, drink like you’re 22 again, and light things on fire in the name of freedom.

Contractors know how to do this holiday right: racing to finish jobs, making last-minute supply runs, and promising your spouse this time you won’t come home sunburned.

Then the weekend hits — a blur of road trips, BBQs, fireworks, cold drinks, and regret. Let’s not forget America’s greatest sport: Joey Chestnut eating 70 hot dogs in under 10 minutes. If that doesn’t inspire some overindulgence, nothing will.

Now it’s the day after. Your back hurts, your stomach’s rebelling, your phone’s blowing up with clients, and you vaguely remember losing a cornhole tournament to your brother-in-law. Welcome to the contractor’s post–holiday reality.

The good news? You’re not alone. The better news? Here’s your survival guide to getting back on the job site like a pro:

Step 1: Hydrate Like It’s Your Job If you drank more beers than waters, congrats — you’re dehydrated. Start your comeback with a big bottle of water (bonus points for electrolytes or lemon + sea salt). Think of your body as a sunbaked piece of drywall. Time to rehydrate.

Step 2: Eat Like a Grown-Up (At Least for Today) Nobody’s judging the 7 hot dogs you crushed on Thursday. But skip the greasy breakfast sandwich — go for fruit, oatmeal, or eggs. One decent meal can power you through a rough Monday delivery or rooftop install.

Step 3: Stretch It Out After a weekend of beach chairs and hammock naps, your joints are one wrong move from mutiny. Five minutes of stretching goes a long way — touch your toes, roll your shoulders, do some lunges. Your back will thank you.

Step 4: Triage the Phone Chaos Voicemail full? Texts piling up? Prioritize:

1. Emergency site issues
2. Job scheduling
3. Tire-kickers & quote requests

Don’t try to solve everything before lunch — handle what matters, delegate the rest.

Step 5: Clean Out the Truck There’s probably a Doritos bag, firework shell, and maybe a rogue six-pack in your cab. Clean it out, restock, and start fresh. Nothing beats a clean truck to make you feel like you’ve got it together.

Step 6: Don’t Overcommit Clients are eager, but pace yourself. Better to finish 3 jobs well than leave 5 half-done and deal with angry calls by Friday.

Step 7: One Word — Nap If you can swing a 15-minute power nap during lunch, do it. You’ll reset your brain, ease that stiff neck, and survive the safety meeting without zoning out.

Step 8: Laugh About It The sunburn will fade. The memories (and embarrassing stories) will last. Trade weekend war stories with the crew — it lightens the load and makes the week ahead a little more bearable.

And When It Comes to Protecting Your Business — Call BGES Group

At BGES Group, we don’t just insure contractors — we get contractors.

For over 35 years, we’ve protected tradesmen across New York and the Tri-State area. Whether you’re framing homes in Westchester, climbing rooftops in Jersey, or pouring foundations on Long Island — we’ve got the coverage you need.

We specialize in:

• General Liability
• Umbrella Liability
• Workers’ Compensation
• Builders Risk
• Custom Construction Insurance Programs

We know your risks because we work with contractors like you every day. While we can’t promise your back won’t hurt after the next long weekend, we can make sure you’re covered when it matters.

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📞 Gary Wallach 📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

Serving NY, NJ, and CT — and nationwide through our associate partners.

Work hard. Play hard. Insure smart. Call BGES Group.

In the highly competitive, high-risk world of New York construction, the right insurance broker isn’t just helpful — it’s critical to your business survival. In recent years, more and more New York contractors have made a decisive move: leaving their long-time insurance brokers and partnering with BGES Group for their General Liability, Umbrella Liability, and Workers’ Compensation coverages.

Why the shift? Simple — BGES Group delivers what other brokers don’t: deep industry expertise, strategic market access, better pricing, hands-on advocacy, and the kind of service contractors thought no longer existed.

Here are 10 reasons why New York contractors are leaving their brokers behind and making the switch to BGES Group:

⸻

1️⃣ Industry Specialization: Construction Is What We Do

Most brokers are generalists — writing policies for restaurants one minute and manufacturers the next. At BGES Group, our entire focus is on the construction industry. We live and breathe New York’s complex labor law environment, scaffold law exposures, and tough-to-place risks. That means your coverage is built by people who understand your business inside and out.

⸻

2️⃣ Access to Unique Markets and Specialty Programs

Many brokers are limited in who they can access for coverage quotes. BGES Group has long-standing relationships with top national, regional, and specialty insurers who understand New York contractor risks — and we often gain access to programs other brokers can’t touch. Better options = better pricing and better coverage.

⸻

3️⃣ Significant Premium Savings

On average, contractors moving to BGES Group save between 10% to 30% on their insurance premiums without sacrificing coverage. We know how to properly structure accounts, identify unnecessary coverages, negotiate rates, and eliminate waste. In today’s economy, every dollar matters — and we help you keep more of them.

4️⃣ Rapid Response & Personal Service

Contractors often complain about brokers who take days to return calls or emails. That doesn’t happen with BGES Group. When you work with us, you get direct access to our team — no phone trees, no waiting. Need a certificate of insurance? Help with a claim? A job site insurance audit issue? You get immediate, personal assistance.

⸻

5️⃣ Proven Claims Advocacy

Insurance is only as good as what happens when you have a claim. At BGES Group, we actively manage claims on behalf of our clients. We fight for fair settlements, push back against unjust denials, and work to minimize your experience mod and liability exposure. Contractors switching to us consistently say it’s a night-and-day difference from what they had before.

⸻

6️⃣ Expertise with NY Labor Laws (Sections 240, 241)

New York’s labor laws are among the strictest and most contractor-unfriendly in the country. Many brokers don’t fully understand how these laws affect coverage and claims handling. BGES Group specializes in insuring contractors operating under these tough statutes — structuring programs designed to minimize your exposure and protect your business.

⸻

7️⃣ No-Nonsense Advice & Risk Management Support

Contractors appreciate our straight-talk, no-fluff approach. We tell you exactly where you’re exposed, what you need to fix it, and how to reduce risk. From contract reviews to jobsite audits to safety program guidance, we work as your strategic risk management partner — not just another vendor collecting commissions.

8️⃣ Customized Insurance Programs Tailored to Your Business

We understand no two contractors are the same. That’s why BGES Group creates customized insurance programs based on your operation’s size, trade, job types, and future plans. Whether you’re a GC, subcontractor, demolition company, or roofing firm — we know how to build the right protection for you.

⸻

9️⃣ Help With Compliance, Audits, and Certificates

From DOB requirements to project-specific insurance obligations, construction companies navigate a maze of compliance issues daily. BGES Group assists clients with everything from OCIP/CCIP enrollments to payroll audits to quick-turn COIs — making life easier and letting you focus on building, not paperwork.

⸻

🔟 Reputation and Trust Built on 44+ Years of Service

For over four decades, BGES Group has built its reputation one contractor at a time. We’re known for our integrity, responsiveness, and relentless commitment to protecting our clients’ businesses. Most of our new business comes from referrals — a testament to the trust we’ve earned in the New York construction community.

⸻

About BGES Group

BGES Group is one of New York’s leading specialty insurance brokers exclusively serving contractors, developers, and construction professionals. We offer customized insurance solutions, risk management services, claims advocacy, and strategic consulting for businesses operating in one of the most demanding insurance markets in the country.

We help clients secure:

• General Liability Insurance

• Umbrella & Excess Liability Insurance

• Workers’ Compensation Programs

• Builders Risk & Inland Marine Coverage

• Contractor’s Equipment Coverage

• OCIP/CCIP Enrollment Assistance

• Labor Law Defense & Risk Management Support

Whether you’re a two-crew masonry outfit or a multi-division general contractor running $50M+ projects, BGES Group can help structure a program that protects your business, keeps you competitive, and improves your bottom line.

⸻

How We Help Contractors

Our mission is to give contractors the peace of mind that their insurance program is comprehensive, competitively priced, and expertly managed. We do this by:

✅ Conducting detailed coverage reviews to identify gaps and overcharges

✅ Shopping accounts to our network of top insurers and specialty programs

✅ Building tailored insurance and risk management strategies for each client

✅ Delivering immediate, personal support for certificates, audits, and claims

✅ Providing expert guidance on New York labor law exposures and claims handling

✅ Advocating fiercely on your behalf when claims happen

Simply put — we treat your business like it’s our own.

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Contact BGES Group Today

If you’re a New York contractor tired of getting the same old treatment from your broker — or if you simply want to see how much better your insurance program could be — reach out to us today.

📞 Gary Wallach

📱 (914) 806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Let’s review your current program, see where you stand, and show you how we can help. No pressure, no obligation — just honest advice from a team that truly cares about protecting your business.

Navigating the world of insurance can be a daunting task, especially for contractors operating in New York City. If you’ve ever asked yourself whether workers’ compensation insurance is required for contractors in NYC, you’re in the right place. In this FAQ, we’ll break down everything you need to know about this important topic.What is Workers’ Compensation Insurance?

Workers’ compensation insurance is a type of coverage that provides benefits to employees who suffer work-related injuries or illnesses. It helps cover medical expenses and lost wages while protecting employers from potential lawsuits.

This form of insurance serves as a safety net, facilitating a smoother recovery process for injured employees and lessening financial strain on both workers and businesses. It’s essential for maintaining a balanced relationship between employer and employee, ensuring that both parties have a safety mechanism in place if accidents occur.

Is Workers’ Compensation Mandatory for All Contractors in NYC?

In NYC, the requirement for workers’ compensation insurance generally depends on the number of employees a contractor has. If you employ even one person, you are typically required to carry this insurance. However, there are certain exceptions and nuances depending on the type of work and contracts undertaken.

It’s important to note that contractors working on specific projects may have tailored obligations. Certain public contracts require coverage not only for direct employees but sometimes for subcontracted personnel, to ensure that all workers have access to medical and wage replacement benefits.

Are There Any Exceptions to the Rule?

While most contractors must have workers’ compensation insurance, there are some exceptions. For example, sole proprietors or independent contractors without employees may not be required to carry insurance, though it’s often recommended for their own protection.

Understanding the exceptions is crucial, as failure to comply with these requirements can result in unexpected liabilities. Even when not legally obligated, securing a policy can provide peace of mind and safeguard against unforeseen incidents.

What Are the Consequences of Not Having Insurance?

Failing to carry the necessary workers’ compensation insurance can lead to severe penalties, including substantial fines and stop-work orders. Moreover, contractors could potentially face civil lawsuits if an employee is injured on the job without coverage.

In addition to these legal consequences, not having adequate insurance can severely impact a contractor’s reputation. Clients and partners may be hesitant to engage in business dealings with uninsured contractors, potentially limiting future work opportunities and collaboration ventures.

How Can Contractors Obtain Workers’ Compensation Insurance?

Contractors can obtain workers’ compensation insurance through private insurance companies or through the New York State Insurance Fund. It’s advisable to compare policies and consult with an insurance expert to determine the best coverage for your needs.

For those seeking more personalized support, partnering with specialized insurance brokers can be advantageous. Brokers have in-depth knowledge of the market and can help navigate the complexities of policy selection, ensuring contractors get comprehensive coverage tailored to their unique operational risks.

Understanding Your Responsibilities as a Contractor

Determining whether workers’ compensation insurance is mandatory for you as a contractor in NYC is crucial for legal compliance and for the protection of both your workers and your business. By staying informed and seeking advice when needed, you can ensure that you’re fully covered and operating within the law. We encourage you to visit BGES Group to explore more about your insurance options and ensure you’re adequately protected.

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
 

BGES Group is one of the Tri-State area’s top Workers’ Compensation Insurance Specialists—and we’re here to make your life easier. We offer up to 15 different policy options tailored specifically for contractors, and what truly sets us apart is our exceptional service.

We answer the phone when you call. You’ll deal with the same dedicated representative for years, and we handle urgent issues in minutes—not hours or days. Whether you need a C105.2 form ASAP for the DOB or a last-minute certificate, we’re on it—seven days a week.

We’re easy to talk to, quick to respond, and never charge outrageous service or policy fees. Our goal is simple: to make your life easier—not harder.

📞 Call Gary Wallach at (914) 806-5853 today!

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Common Workers’ Comp Issues We Solve:

• Tired of invasive annual audits? We offer policies that help minimize audit headaches.
• Is your Experience Modification Rate (EMR) driving up your costs? We have solutions.
• Canceled or non-renewed due to losses or underwriting changes? We’ve got your back.
• Are your payrolls misclassified or not reviewed properly? We’ll fix it.
• Frustrated with poor agent or carrier service? Expect better.
• Waiting hours—or days—for certificates? We deliver them fast.
• Sick of paying 10% service fees or $500–$5,000 policy fees? Not with us.

Whatever your issue, we can help.

📞 Call Gary Wallach at (914) 806-5853, email us, or visit our website.

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Why Contractors and Business Owners Choose BGES Group

We’re based in Larchmont, NY, and represent 50+ top insurance companies, offering:

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

Plus, we specialize in helping contractors, auto services, logistics firms, limousine companies, manufacturers, recyclers, and truckers—especially in New York. Many of our clients benefit from access to exclusive, long-term stable programs that reduce audit stress and improve pricing, especially for multi-state operations.

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We Also Cover Your Personal Insurance Needs

From home, auto, and boat to life, health, jewelry, and long-term care, we can review your entire personal insurance portfolio and identify where you can save or improve coverage. When was your last full insurance check-up?

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Don’t Just Take Our Word for It…

We know emails and ads aren’t always enough to earn your trust. That’s why we encourage you to check out our 5-star Google Reviews and hear directly from clients we’ve helped.

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Contact Us Today!

📞 Gary Wallach: (914) 806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com
📍 BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

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Let us help you save money, reduce stress, and get the coverage you deserve—with personal service you won’t find anywhere else.

If you’re a New York contractor relying on surplus lines for your Commercial General Liability (CGL) insurance, beware: these policies often contain serious limitations that can leave you dangerously exposed when claims arise.

Here are 10 of the most frequent and costly pitfalls we see:

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1️⃣ Labor Law 240/241 Exclusions
Also known as the Scaffold Law, these are among the most expensive claims in NY construction. Many surplus lines policies exclude or heavily limit this coverage—putting contractors at major financial risk.

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2️⃣ Action-Over Exclusions
If an injured employee sues a property owner or GC, and that party turns around and sues the contractor, coverage is often denied under these exclusions—leaving contractors to cover huge legal bills.

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3️⃣ Height & Depth Work Restrictions
Coverage may not apply to:

• Work above a certain height (e.g., 3 stories / 20 feet)
• Work below a specific depth (e.g., 5–10 feet)
  Ignoring these can result in denied claims.

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4️⃣ Subcontractor Warranty Endorsements
Many policies require:

• Proof of insurance from all subs
• Specific limits, AI status, Waiver of Subrogation
  Failure to comply = no coverage for sub-related claims.

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5️⃣ Designated Operations Only
Coverage is often limited to specifically listed work. Any operations outside of that = no coverage.

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6️⃣ Completed Operations Limitations
Some policies limit or exclude claims after a project is done—critical exposure given the long-tail nature of construction liability.

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7️⃣ Limited Additional Insured Coverage
Many AI endorsements only apply:

• During ongoing operations
• Not to the AI’s sole negligence
  This can jeopardize contract compliance with GCs and owners.

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8️⃣ High Deductibles / SIRs
Expect deductibles or self-insured retentions of $10K–$50K per occurrence. That’s out-of-pocket before the insurer even gets involved.

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9️⃣ Poor Claims Handling
Claims are often managed by TPAs unfamiliar with NY labor laws—leading to delays, denials, and expensive mismanagement.

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🔟 Policy Endorsements That Limit Coverage
Policies typically contain numerous subtle endorsements that restrict coverage. Many contractors only find out after a claim—when it’s too late.

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✅ How BGES Group Protects NY Contractors

We help you stay protected by:

✔️ Reviewing your current policies for dangerous exclusions
✔️ Securing proper Labor Law 240/241 & action-over coverage
✔️ Providing full completed ops & AI protection
✔️ Offering policies with fewer height, depth, and subcontractor restrictions
✔️ Working only with A-rated carriers who understand NY construction
✔️ Ensuring claims are handled by pros familiar with NY labor law

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📞 Let’s Talk:

Gary Wallach
📱 914-806-5853
📧 bgesgroup@gmail.com
🌐 www.bgesgroup.com

🛡️ Your trusted insurance partner for New York contractors.

When you run a contracting business in New York, New Jersey, or Connecticut, one of your biggest headaches is workers’ compensation insurance. Between skyrocketing premiums, unpredictable audits, limited market options, and claims that never seem to go away, many contractors feel trapped. But what if there was a better option — one designed specifically for contractors like you?

For years, Tri-State contractors have been stuck with standard market policies that offer little flexibility and even less long-term value. Today, smart business owners are turning to specialty workers’ compensation programs built to support their unique risks and payroll challenges. These programs offer customized solutions that help control costs, improve cash flow, and give owners peace of mind knowing their coverage is truly working for them — not the other way around.

If you own a construction, electrical, HVAC, carpentry, drywall, painting, roofing, or other contracting business in New York, New Jersey, or Connecticut, it’s time to understand what these programs offer — and how they might be a better fit for your business.

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10 Benefits of a Specialty Workers’ Compensation Program for Contractors

1. Flexible Payment Options

Forget hefty upfront deposits and unpredictable audit bills. These programs offer pay-as-you-go options or low initial deposits based on estimated payroll, helping contractors manage cash flow and keep their money working in their business.

2. Coverage for Higher-Risk Class Codes

Standard carriers often shy away from insuring certain trades or charge astronomical rates. Specialty programs embrace the construction industry’s unique exposures, providing affordable solutions for higher-risk operations like roofing, scaffolding, demolition, and steel erection.

3. Dedicated Claims Management

When a worker gets hurt, you need swift, effective claims handling. These programs provide contractor-specific claims teams who understand job site injuries and work to resolve claims efficiently while protecting your experience modification rating.

4. Loss Control & Safety Resources

Prevention is just as important as protection. These programs typically include tailored safety consulting, site visits, and training resources designed to help reduce claims frequency and severity — something most off-the-shelf policies lack.

5. Better Control Over Experience Mods

Every contractor knows how painful a bad experience modification factor (MOD) can be. Specialty programs actively manage claims, often catching and correcting reserve problems or re-opening closed claims if necessary to improve your MOD and reduce your premiums.

6. Multi-State Coverage Options

If you work jobs in New York, New Jersey, and Connecticut, managing multiple policies can be a nightmare. These programs consolidate coverage under one policy, simplifying your insurance and saving you time and frustration.

7. Transparent, Predictable Pricing

No more games at audit time. Specialty programs typically offer clear pricing structures and proactive payroll reporting to avoid surprises and disputes down the road.

8. Dedicated Underwriting Teams

Unlike standard carriers, specialty program underwriters work exclusively with contractors. They understand your trade, seasonality, contract requirements, and payroll fluctuations — and they build a policy around your business realities.

9. No Minimum Premiums

Many small and mid-sized contractors get penalized by high minimum premiums in the standard market. Specialty programs offer options for growing firms and established companies alike, providing coverage without unnecessary financial strain.

10. Access to Competitive Rates

Because these programs are built for contractors, they can often offer more competitive rates and favorable terms than standard carriers — especially for companies with solid safety records and responsible management.

Why Contractors Are Making the Switch

If you’ve experienced any of the following, a specialty workers’ comp program might be exactly what your business needs:

• Annual audits resulting in unexpected bills

• Difficulty securing coverage for your trade

• Poor claims service and inflated reserves

• A rising experience modification factor

• Trouble placing coverage in New York City, Long Island, or North Jersey

• Multi-state operation headaches

• Frustration with deposits, premiums, and confusing policy language

These programs are designed to help you stop reacting to problems and start proactively managing your coverage, payroll, and risk.

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BGES Group: Your Tri-State Contractor Insurance Specialist

At BGES Group, we’ve spent decades helping contractors like you protect their businesses, control their insurance costs, and navigate the complexities of workers’ compensation coverage in New York, New Jersey, and Connecticut.

We’re not your average insurance agency. We work exclusively with contractors and focus on high-risk industries, including construction, HVAC, electrical, roofing, scaffolding, demolition, and more. We have access to exclusive programs and markets unavailable to most brokers — and we know how to leverage them to your advantage.

Our team understands the pain points Tri-State contractors face, from Labor Law exposure in New York to strict payroll verification requirements in New Jersey and coverage limitations in Connecticut. We listen to your business concerns, review your current coverage, and recommend practical, cost-effective options to help you work safer and more profitably.

Whether your business has one employee or one hundred, operates in one state or several, or specializes in residential, commercial, or municipal projects — we have a solution for you.

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How BGES Group Can Help

• Access to Exclusive Workers’ Comp Programs for Contractors

• Assistance with Experience Mod Review and Claims Analysis

• Audit Preparation and Support

• Job Site Certificate Management and Compliance Assistance

• Annual Risk Management Review Meetings

• Support for Payroll Fluctuations and Seasonal Staffing

We make it our business to simplify yours.

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Contact BGES Group Today

Ready to learn more about how a specialty workers’ compensation program can protect your business and improve your bottom line? Give us a call today for a free, no-obligation consultation.

📞 Gary Wallach

BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

Stop overpaying and start protecting your business the smart way. Let’s get to work.