Navigating the world of workers’ compensation can be tricky. Whether you’re recovering from a workplace injury or just want to ensure you’re receiving fair treatment, understanding when to consider a review of your workers’ comp claim is crucial. This FAQ will help guide you through key situations that may warrant a review.

When Your Claim Is Denied

If your workers’ comp claim is denied, it may be time to seek a review. A denial doesn’t mean you’re out of options; it’s an opportunity to provide additional evidence or clarify any misunderstandings in your claim.

Denial can stem from various reasons, such as missing documentation or a perceived lack of medical evidence. Understanding these factors can help you organize a compelling appeal. It’s essential to act swiftly, as there may be deadlines for filing appeals after initial decisions have been made.

Consulting an expert can offer an advantage. A knowledgeable advisor can help you gather necessary documents, guide you through submitting new evidence, and improve your chances of success in a review.

If Your Benefits Are Reduced or Terminated

Experiencing a reduction or termination of benefits can be confusing and frustrating. Consider a review to understand the reasons behind such decisions and to ensure they’re justified.

Changes to your benefits often occur after a re-evaluation of your medical condition or work capacity. If these re-evaluations don’t reflect your real situation, you might be missing out on essential support. It’s worthwhile to explore the reasons behind the decision and counteract them where possible.

Communication with your employer or insurer can sometimes clear up misunderstandings. However, if this doesn’t work, pursuing a formal review with legal guidance can be the next step to protect your entitlements.

When You Disagree with a Medical Evaluation

Medical evaluations play a significant role in workers’ comp cases. If you disagree with the assessment provided, a review could help reassess medical findings and ensure your condition is accurately represented.

A second opinion may provide a different perspective on your condition, highlighting aspects previously overlooked. Seeking an independent evaluation can fortify your case during a workers’ comp review.

An accurate medical evaluation is crucial because it directly affects the benefits you receive. If discrepancies arise, addressing those promptly through a review guarantees you maintain the right support for your recovery.

If You Suspect Fraud or Errors

Errors or fraudulent activities in processing or documentation can skew the outcomes of your claim. Conducting a review can help identify and rectify any mistakes or misconduct.

Fraudulent claims or inaccurately logged work conditions can undermine your case. Detecting these issues early during a review process can help safeguard your legitimate claims from being overshadowed by inaccuracies.

Work closely with a review team to complete thorough checks on your claim’s documentation and associated activities. This strategy can identify anomalies, providing a stronger foundation for your workers’ comp case.

For Clarification on Your Rights and Benefits

Workers’ comp laws can vary and be complex. If you’re unclear about your rights or the benefits you should receive, a review can provide valuable clarity and guidance.

Understanding your coverage, including variances by state or employer policies, ensures you’re not overlooked in receiving full benefits. A review often sheds light on these details, empowering you with knowledge.

In some cases, engaging with a workers’ comp specialist is advisable. They can clarify the intricacies of your policy, ensuring you maximize entitled benefits while addressing any gaps during a review.

Final Thoughts on Considering a Workers’ Comp Review

Knowing when to consider a workers’ comp review can make all the difference in ensuring your rights are protected and that you receive fair compensation. By staying informed and proactive, you can navigate the workers’ comp process with confidence. For personalized assistance, visit our home page to learn how we can help.

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
 

For many employers, workers’ compensation is a set-it-and-forget-it type of insurance. Once the annual premium is paid, it often fades into the background until renewal time rolls around. But waiting until renewal to focus on controlling costs is a costly mistake—especially for a policy as loss-sensitive as workers’ comp.

Since claims can remain open and be paid out over decades, proactive and strategic management throughout the year is essential. A key strategy in keeping your workers’ comp costs in check is conducting quarterly claims reviews—especially in the critical early stages of your policy year.

Why Three Months In Matters

Three months after your policy starts is a pivotal milestone. This is the sweet spot for reviewing open claims and reserves before the data is submitted to your state’s rating bureau for the calculation of your Experience Modification Factor (X-Mod).

This submission happens six months after your policy anniversary and includes:

• Total claims paid
• Projected future costs (reserves)

For example, if your policy renewed on January 1, 2025, the X-Mod calculation will be based on loss experience from:

• 1/1/2021 to 12/31/2021
• 1/1/2022 to 12/31/2022
• 1/1/2023 to 12/31/2023

The most recent year (2024) is excluded because it’s too recent to provide reliable data.

By conducting a review at the three-month mark, you have a valuable window to resolve open claims, reduce reserves, and potentially lower your X-Mod—which directly impacts your premium costs.

Focus on Reserves: The Art Behind the Numbers

One of the most misunderstood—and impactful—components of workers’ comp pricing is claim reserves. These are not simply estimates; they represent what the insurer expects to spend to settle a claim, including medical costs, lost wages, and more.

However, reserve-setting is more art than science. If a claim’s reserve is set too high, it inflates your losses and can drive up your premium. This is why accurate, timely reviews are essential.

Encourage your adjusters to:

• Reassess medical status updates
• Account for return-to-work progress
• Adjust projections when conditions improve

Settling claims early, where appropriate, or bringing employees back on modified duty are powerful tools for managing costs.

Don’t Stop at Three Months

While the six-month “valuation date” is when your insurer reports losses to the rating bureau, proactive employers don’t stop there. Conducting another review at the nine-month mark gives you an opportunity to:

• Address any remaining issues
• Push for settlements on stagnant claims
• Make final adjustments before the next renewal cycle

This ongoing diligence helps avoid surprises and keeps your premium under control.

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Partner with BGES Group for Smarter Workers’ Comp Strategies

At BGES Group, we specialize in helping businesses reduce their workers’ comp costs through hands-on claims management, strategic planning, and expert guidance. Our team monitors key policy milestones, collaborates with adjusters, and ensures your reserves and claims are reviewed accurately and proactively.

Let us help you take control of your workers’ comp insurance—not just at renewal, but all year round.

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

Navigating the complexities of New York State workers’ compensation rules can be a daunting task for employers, especially those in construction, manufacturing, and other high-risk industries. Whether you’re a general contractor, small business owner, or managing subcontractors, understanding your obligations under the law is essential. Failing to comply can result in steep penalties, legal issues, and business disruption.

In this guide, we’ll break down who must be covered under New York workers’ compensation insurance, the penalties for non-compliance, how to avoid them, and how BGES Group, a leading New York insurance agency, can help you stay protected and compliant.

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Who Must Be Covered Under New York Workers’ Compensation Insurance?

New York State requires almost all employers to provide workers’ compensation insurance coverage for their employees. This rule applies regardless of the number of employees or whether they work part-time or full-time.

Here’s who must be covered:

• Employees: All full-time and part-time workers.
• Day laborers: Temporary hires for one-off jobs must be covered.
• Leased and borrowed employees: If you use a staffing agency, those workers still need coverage.
• Family members: If they are employed by the business, even unpaid.
• Domestic workers: Employed 40 or more hours per week.
• Volunteers: In certain organizations, especially municipalities or non-profits.

Subcontractors and Independent Contractors

Many employers are unaware that subcontractors and independent contractors may also need to be covered under your policy. In New York, if a subcontractor does not have their own valid workers’ compensation policy, the responsibility for coverage falls on the hiring contractor.

This means that:

• You must obtain and keep records of Form C-105.2 or CE-200 to prove a subcontractor has their own insurance.
• Without proof, your insurance carrier and the Workers’ Compensation Board may treat those subcontractors as your employees.
• You could face higher premiums, audits, or penalties for unreported workers.

To protect your business, always verify the workers’ compensation status of any subcontractor before work begins.

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Penalties for Non-Compliance with Workers’ Comp Laws

The New York State Workers’ Compensation Board takes non-compliance very seriously. If you fail to provide proper coverage, you could face:

1. Financial Penalties

• $2,000 per 10-day period of non-compliance, per employee, even if no injury occurred.
• These penalties can accumulate quickly, reaching tens of thousands of dollars.

2. Legal Consequences

• Operating without insurance is considered a misdemeanor or even a felony, depending on the situation.
• Business owners and officers can be held personally liable.

3. Stop-Work Orders

• The state can issue a Stop Work Order (SWO) that halts your operations until proper coverage is provided.
• This can lead to missed deadlines, damaged reputation, and lost revenue.

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How to Avoid Penalties and Stay Compliant

Avoiding penalties comes down to knowledge, organization, and partnering with the right insurance provider. Here are the steps to stay compliant:

1. Purchase a valid workers’ compensation insurance policy that reflects your current number of employees and job classifications.
2. Verify coverage for any subcontractors and keep documentation.
3. Stay on top of audits. Carriers perform audits to ensure payroll and classifications are accurate. Report any changes immediately.
4. Renew policies on time and never allow coverage to lapse.
5. Work with a knowledgeable insurance agency, like BGES Group, that specializes in workers’ comp insurance in New York and knows how to protect your business.

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Why Choose BGES Group for Workers’ Compensation Insurance in New York?

At BGES Group, we specialize in helping New York businesses navigate the complex world of workers’ compensation insurance. With over 45 years of experience, we are industry experts who understand the nuances of New York’s workers’ comp laws, particularly for contractors, subcontractors, and small businesses.

Here’s What We Do:

• Provide custom-tailored workers’ comp insurance policies to fit your unique needs and budget.
• Help you correct misclassifications that may be inflating your premiums.
• Offer solutions for high-risk businesses that may have difficulty finding affordable coverage.
• Assist in proving subcontractor coverage to avoid penalties and misclassification issues.
• Represent you during insurance audits to ensure you’re treated fairly.
• Work with top-rated insurance carriers that understand New York’s regulatory environment.

Our goal is simple: Save you money, protect your business, and keep you compliant.

We also help businesses:

• Lower their Experience Modification Rate (EMR)
• Get help if they’ve been non-renewed or canceled
• Find solutions for businesses with claims history or coverage gaps

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Contact Information

BGES Group Your Trusted Partner for New York Workers’ Compensation Insurance

📍 Contact: Gary Wallach

📞 Phone: (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: www.bgesgroup.com

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Final Thoughts

Staying compliant with New York State workers’ compensation laws is not optional—it’s a legal requirement that protects both your business and your employees. Whether you’re trying to get your first policy or need help navigating audits, classifications, or penalties, BGES Group is here to help.

If you’re a New York contractor, you already know how critical it is to have proper insurance coverage in place. Between job site risks, client demands, and legal requirements, carrying a solid Commercial General Liability (CGL) policy is non-negotiable. Many contractors in New York work with excess and surplus lines (E&S) insurance companies because of the nature of their projects — whether it’s high-risk work, specialized trades, or past claims history that makes standard coverage difficult to secure.

But there’s one thing most contractors struggle with when dealing with these E&S policies: the hefty up-front premiums.

If this sounds like you, we’ve got great news.

There’s now a way for you to finance your Commercial General Liability policy on a pay-as-you-go basis. No more large down payments eating into your cash flow, no more worrying about quarterly installments — you can now pay for your insurance in smaller, manageable amounts as you earn.

And that’s not all — we can also help you with all kinds of construction insurance loans. Whether you need to finance a new policy, cover a renewal premium, or handle a midterm adjustment that comes with an unexpected additional cost, we’ve got the resources to keep your business moving without draining your working capital.

Let’s break down how this works, why it makes sense for your business, and how you can get started.

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The Challenge with E&S General Liability Policies

Excess and Surplus Lines insurance companies fill an essential role in the marketplace, providing coverage when standard carriers won’t. But with that flexibility often comes stricter payment terms.

Most E&S insurers require either the full annual premium up front or, at best, a large down payment (25% to 35%) followed by monthly payments. For a contractor with a $30,000 general liability policy, that could mean shelling out $7,500 to $10,500 up front.

That kind of outlay can disrupt your cash flow, especially during slower seasons or when you’re waiting for invoices to be paid.

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The Solution: Pay-As-You-Go Financing

BGES Group is proud to announce we now work with a finance company that specializes in pay-as-you-go insurance financing. This means you can spread the cost of your policy over the course of the year and align your payments with your cash flow.

Here’s how it works:

• No large down payment required.

• You pay as you go — typically on a monthly basis, based on your actual payroll or a fixed agreed schedule.

• The finance company pays your insurance premium in full to the carrier on your behalf.

• You repay the finance company in easy installments, keeping more cash in your pocket to run your business.

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An Example of How It Would Work

Let’s say you’re a contractor in New York with a $25,000 annual Commercial General Liability policy through an E&S carrier.

Without financing:

• 25% down payment: $6,250 due immediately

• 9 monthly payments of $2,083.33

With pay-as-you-go financing:

• $0 down or a minimal processing fee

• Monthly payments spread out over 12 months: $2,083.33 or less depending on structure

• Align payments with your payroll cycles or agreed fixed dates

This structure not only improves your cash flow but also makes managing your insurance expenses much easier and more predictable.

And here’s the best part — if your business has seasonal ups and downs or if you land a large job, you’re not tied to rigid payment structures. The pay-as-you-go model gives you the flexibility to adjust your payments as your business moves.

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We Can Also Help You with All Kinds of Construction Insurance Loans

In addition to pay-as-you-go financing for liability and workers’ comp policies, BGES Group offers assistance with construction insurance loans. These are flexible, quick-approval financing options that cover a range of insurance-related expenses, including:

• Premium financing for new policies

• Renewal premium loans

• Audit premium loans (if you get hit with an unexpected balance at audit time)

• Coverage expansion costs (when a big project requires increased limits)

• Builders risk policy loans for ground-up construction projects

Whatever your insurance financing need, we can help you secure a loan tailored to your business and payment preferences. It’s another way we work to keep contractors on track, fully covered, and financially flexible.

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Workers’ Compensation Coverage Financing Too!

We don’t stop at General Liability.

BGES Group also offers workers’ compensation coverage for New York contractors, and yes — we can finance those policies too.

Many contractors find workers’ comp premiums especially difficult to manage because of rising rates and increased claims activity in the construction industry. By financing your workers’ comp policy on a pay-as-you-go basis, you only pay for what you need, when you need it.

We can work off actual payrolls, which reduces your chances of a big audit bill at year’s end and allows your premiums to fluctuate with your business volume.

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Why Contractors Trust BGES Group

BGES Group isn’t just another insurance agency — we’re specialists in construction insurance. We understand the unique needs, challenges, and exposures of contractors working in New York’s fast-paced, high-risk environment.

For over 45 years, we’ve been helping contractors secure the coverage they need at rates they can afford. We have relationships with top-tier insurance carriers, including those in the E&S market, and now, with our pay-as-you-go financing solution and construction insurance loans, we’re offering contractors even more control over their insurance expenses.

We help with:

• Commercial General Liability

• Workers’ Compensation

• Umbrella/Excess Liability

• Contractor’s Equipment

• Builders Risk

• Professional Liability for Design-Build Contractors

• Commercial Auto

• Construction Insurance Loans & Premium Financing

And now, we’re making it easier for contractors to stay protected without tying up valuable cash flow.

⸻

Contact BGES Group Today

If you’re a New York contractor currently insured with an excess and surplus lines carrier — or if you’re looking for more affordable and flexible insurance options — we’d love to hear from you.

Let us show you how much easier it can be to manage your insurance payments while keeping your business protected.

Contact Gary Wallach at BGES Group:

Phone: 914-806-5853 – Gary Wallach

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

⸻

Don’t let large insurance premiums disrupt your business. Take advantage of our pay-as-you-go financing solutions and construction insurance loan options today and keep your cash flow working for you.

Your projects won’t wait — and neither should you. Call us now!

If you’re a contractor in New York, there’s a good chance you’ve asked yourself this question lately: “Is my insurance agency giving me the service I deserve?” If the answer is no, you’re not alone. Across the construction industry, more and more contractors are expressing frustration with the poor service they’re receiving from their insurance agencies.

And it’s not just a small annoyance—it can lead to serious problems for your business. Delayed responses, lack of support, and poor communication can mean missed deadlines, coverage issues, and unnecessary stress. If your agency treats you like just another policy number, it’s time to re-evaluate your insurance partner.

Let’s break down the top 10 reasons why today’s insurance agencies are failing contractors—and how BGES Group, one of New York’s construction insurance specialists, does things completely differently.

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10 Ways Insurance Agencies Are Letting Down New York Contractors

1. You Can’t Reach Anyone When You Need Help

You’ve got a job site issue, and time is money—but when you call your insurance agency, you’re met with endless hold times, voicemail loops, or unreturned calls. In the construction business, that’s unacceptable.

2. Constant Employee Turnover

Just when someone at your agency starts to understand your business, they’re gone. You’re constantly being handed off to someone new who doesn’t know your policies, your history, or your needs.

3. They Never Remarket Your Insurance Policies

Loyalty is a two-way street. You stay with your agency for years, but they never shop your policies to find better coverage or lower rates. That means you could be overpaying year after year.

4. They Charge Ridiculous Extra Policy Fees

Some agencies tack on administrative or broker fees that seem to come out of nowhere—often hundreds of dollars. These fees aren’t necessary, and you shouldn’t have to pay them.

5. They Don’t Understand the Construction Industry

General insurance knowledge isn’t enough. You need an agency that knows about general liability insurance for contractors, workers compensation, commercial auto insurance, umbrella policies, OCIP/CCIP programs, and more.

6. Zero Help With Claims

When something goes wrong, that’s when your agency should step up. But too often, contractors are left to handle claims on their own—with little guidance or advocacy from their broker.

7. Sloppy Paperwork and Delays

Need a certificate of insurance for a job? You shouldn’t have to wait two days to get it. Unfortunately, many agencies drag their feet, which can delay your projects and hurt your reputation.

8. Poor Policy Reviews and Risk Management Guidance

Most agencies just sell you a policy and disappear until renewal. There’s no proactive advice, no review of your coverage, and no support to help lower your risks or premiums.

9. One-Size-Fits-All Approach

Your construction business is unique. You need customized coverage, not cookie-cutter policies. Many agencies don’t take the time to tailor protection to your business.

10. They’re Just Not Available

In construction, things happen fast—and at all hours. But most agencies are only reachable during strict office hours. If you need something after 4:30 p.m. or on a weekend, you’re out of luck.

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The BGES Group Difference: Construction Insurance the Way It Should Be

At BGES Group, we’ve heard all the horror stories—and we’ve built our agency to be the opposite of what the insurance industry has become.

We specialize in insurance for New York contractors. Whether you’re a general contractor, electrical contractor, plumber, masonry contractor, or roofing company, we understand your business—and we know what coverage you need to stay protected, competitive, and compliant.

Here’s What Makes BGES Group Different:

✅ We Answer Our Phones – No phone trees. No voicemail black holes. When you call us, you speak to a real person who knows your account.

✅ Personal, Mom-and-Pop Style Service – We treat our clients like family. You’ll know us by name, and we’ll know yours. That’s how insurance should be.

✅ No Ridiculous Extra Policy Fees – We don’t believe in nickel-and-diming our clients. With BGES Group, what you see is what you get.

✅ Proactive Policy Reviews and Marketing – Every year, we re-shop your insurance to make sure you’re getting the best rates and coverage available. You’ll never be left in the dark.

✅ Fast Turnaround on Certificates – Need a COI in a hurry? We usually turn them around in 15 minutes or less—because we know your jobs depend on it.

✅ Construction Insurance Specialists – We live and breathe contractor insurance. From liability insurance to NY State workers comp to commercial auto policies, we’ve got you covered.

✅ Help With Claims – We don’t disappear when things go wrong. We walk you through the claims process, step-by-step, to make sure you get the support you need.

✅ Long-Term Stability – Our team doesn’t turn over every few months. We’re here for the long haul, so you can count on consistency and experience.

✅ Flexible Hours – We’re available when others aren’t. Whether you call early in the morning or late at night, we’re ready to help.

✅ Trusted by Hundreds of New York Contractors – Contractors all across New York have made the switch to BGES Group—and they’re glad they did.

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Don’t Let a Lousy Insurance Agency Hold Your Business Back

If you’re frustrated with your current agency, you don’t have to settle. There’s a better way to do insurance—one that puts you, the contractor, first.

At BGES Group, we’re not some big-box insurance firm that treats you like a number. We’re your partner, your advocate, and your go-to team when it comes to New York contractor insurance.

Whether you’re looking for general liability, workers compensation, tools and equipment coverage, excess liability, or just a broker who actually picks up the phone, we’re here to help.

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Ready to Experience Better?

Contact BGES Group today and discover why we’re one of New York’s most trusted construction insurance brokers.

Contact: Gary Wallach

Phone #: 914-806-5853

📧 Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

📍 Serving contractors throughout New York, including NYC, Brooklyn, Queens, the Bronx, Long Island, Westchester, and beyond.

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Bottom Line:

If your current agency doesn’t feel like a true business partner, it’s time to talk to someone who gets it. At BGES Group, we’re proud to offer the kind of old-school, dependable service that’s hard to find these days.

When employers consider protecting their business and employees, one of the first things that comes to mind is workers compensation insurance. This type of insurance is crucial for covering medical costs and lost wages for employees who are injured on the job. However, what many business owners don’t fully understand is that within their workers compensation policy lies another important element—Employers Liability coverage.

This article will break down what Employers Liability coverage is, provide real-world claim examples, explain certain certificate of insurance practices, and highlight how this coverage works specifically in New York. We’ll also introduce you to BGES Group, a leading insurance agency in the tri-state area, that can assist business owners, especially those facing policy cancellation.

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What Is Employers Liability Coverage?

Employers Liability coverage is a standard component of most workers compensation insurance policies. While workers comp handles statutory benefits (like medical expenses and lost wages), Employers Liability protects the business if an employee decides to sue for damages that go beyond what workers comp covers.

This coverage acts as a safety net in cases where an employee believes the employer’s negligence contributed to their injury or illness. The key here is that Employers Liability coverage is triggered when an injured employee (or their family) sues the employer directly, rather than just collecting benefits under the state’s workers compensation laws.

Common Legal Scenarios Where Employers Liability Coverage Is Needed:

• Loss of consortium claims filed by family members.
• Third-party-over actions (where another party sues the employer after paying a claim).
• Dual-capacity claims, where the employer is also being sued as the manufacturer or provider of a faulty product.

This protection is essential because even if a company is compliant with all state workers comp laws, lawsuits can still arise. Employers Liability helps pay for legal defense costs, settlements, and judgments.

If you’ve ever typed “What is Employers Liability insurance?” into Google, now you have a solid answer.

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Three Real-World Examples of Claims Covered

1. Third-Party-Over Action: An employee is injured while using a piece of machinery and collects workers compensation benefits. They then sue the machine manufacturer for additional damages. The manufacturer, in turn, sues the employer claiming improper training caused the accident. Employers Liability coverage would help defend the employer and cover damages if the court rules against them.
2. Loss of Consortium Claim: An employee is permanently disabled due to a workplace accident. While workers compensation covers the medical costs and lost wages, the employee’s spouse files a lawsuit for loss of companionship. This type of claim, though not covered under standard workers comp, would be handled by the Employers Liability portion.
3. Dual-Capacity Lawsuit: A company that manufactures chemicals for both internal use and for sale to third parties exposes a worker to hazardous materials. The worker is injured and receives workers comp benefits. Later, they sue the company not just as their employer but also as the product manufacturer. Employers Liability coverage would come into play in this dual-capacity situation.

For anyone searching “examples of Employers Liability claims”, the above real-world cases should offer valuable clarity.

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Certificate Holders and Requested Limits

It’s common practice for businesses to provide certificates of insurance (COIs) when working with other entities like general contractors, landlords, or government agencies. These certificate holders often request that the Employers Liability limits be listed at $1,000,000.

Why this number? It has become a standardized benchmark and is considered sufficient by many certificate holders for general liability risk. The standard Employers Liability policy typically includes these three limits:

• Bodily Injury by Accident: $1,000,000 each accident
• Bodily Injury by Disease: $1,000,000 policy limit
• Bodily Injury by Disease: $1,000,000 each employee

These figures are commonly found in online searches such as “recommended limits for Employers Liability coverage”.

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Why New York Businesses Don’t Need to List Limits

In most states, listing the $1,000,000 limit on a certificate of insurance satisfies the requirement. However, New York is a unique case. That’s because most New York workers compensation policies include an endorsement known as the “Limit of Liability—New York”, which removes the dollar limit entirely, making the coverage unlimited.

So if you’re a New York business owner and a certificate holder demands a $1,000,000 limit, it’s not necessary to update your policy just to meet that request. The policy already provides broader protection than what the certificate shows. This is important to know if you’ve ever Googled “Do I need $1,000,000 Employers Liability in New York?”

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BGES Group: Your Tri-State Workers Comp Specialists

If you’re in New York, New Jersey, or Connecticut and dealing with rising premiums or non-renewal of your workers compensation policy, BGES Group is here to help. We are one of the tri-state area’s leading specialists in workers compensation insurance, with a focus on helping businesses that are struggling to find affordable and reliable coverage.

Our team has extensive experience placing coverage for all kinds of industries—construction, manufacturing, hospitality, transportation, and more. Whether your policy is being canceled due to high losses, employee misclassification, or other underwriting concerns, we have access to multiple carriers that are open to writing even difficult risks.

Searching online for “best workers comp insurance broker in NY”? Look no further.

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We Make It Easy to Get Covered Again

At BGES Group, we:

• Help you understand and manage your workers compensation and Employers Liability exposure.
• Shop your policy with top-rated carriers.
• Offer solutions even if you’ve been canceled or non-renewed.
• Provide fast turnaround on certificates of insurance.
• Help resolve audits and classification issues.

We’ve helped hundreds of businesses stay in compliance and get back on their feet after facing cancellation or sharp premium increases. If you feel like you’re out of options, give us a call.

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Contact BGES Group

Contact: Gary Wallach

BGES Group Phone: (914) 806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Don’t wait until your policy lapses or a certificate request stalls your business. Contact us today for a no-obligation consultation.

If you’re a contractor working in New York, whether in NYC, Long Island, or upstate, understanding Certificate of Insurance (COI) requirements is not just important—it’s essential to keeping your projects moving and your liability in check. Whether you’re working with a general contractor, a private client, or a municipality, failing to provide a compliant COI can delay your start, cancel your contract, or expose you to significant risk.

This guide breaks down exactly what New York contractors need to know about COI compliance, how to make sure your certificates match contract language, and how to avoid costly mistakes that could jeopardize your business.

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What Is a Certificate of Insurance (COI)?

A Certificate of Insurance is a standardized document (usually the ACORD 25 form) that provides proof of your business insurance policies—such as general liability, workers’ compensation, commercial auto, and umbrella/excess coverage. While it’s not a legal contract, it summarizes the essential details of your insurance coverage and proves that you’re properly insured for the job.

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Why Are COIs So Important in New York?

New York’s construction laws are some of the most stringent in the country. Between Labor Law 240/241 (the Scaffold Law) and municipal insurance requirements, COIs are heavily scrutinized by:

• Clients (property owners)
• General contractors
• Municipalities (DOB, DOT, etc.)
• Lenders and financial institutions

Many contractors google phrases like “How to get a compliant COI in New York?” or “What is required on a certificate of insurance for contractors?”—because mistakes can lead to rejected COIs and halted jobs.

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What Clients and GCs Look for in a COI

1. Named Insured

Your business name must exactly match what’s on the contract. No nicknames, abbreviations, or DBAs that aren’t registered.

2. Coverage Types and Policy Limits

Standard requirements typically include:

• General Liability: $1M per occurrence / $2M aggregate
• Workers’ Compensation: Statutory limits (with NYS Workers’ Comp Board approval)
• Commercial Auto: $1M combined single limit
• Umbrella/Excess Liability: $1M–$5M depending on project scope

Some contracts even specify project-specific aggregate limits.

3. Additional Insured Endorsements

Most clients and GCs will require that they be named as Additional Insureds on a primary and non-contributory basis. This MUST be supported by actual policy endorsements, not just listed on the COI.

4. Waiver of Subrogation

Many municipalities and GCs require a waiver of subrogation for workers’ comp and general liability. Be sure your carrier includes these endorsements if required.

5. Certificate Holder

The certificate holder section should list the correct entity—often the property owner or managing GC—and their exact legal address.

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COIs for New York Municipalities

When working on public projects or pulling permits in NYC, you’ll encounter strict municipal COI requirements:

• NYC Department of Buildings (DOB)
• Department of Environmental Protection (DEP)
• Department of Transportation (DOT)

Each of these has its own set of insurance limits and COI submission protocols. For example, the NYC DOB may require:

• Higher general liability limits
• Specific additional insured wording
• Endorsement forms (CG 20 10 11 85 or equivalent)

If you’re unsure, it’s a good idea to search “NYC DOB COI requirements for contractors” and consult an experienced insurance broker familiar with local regulations.

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How to Ensure Your COI Meets Contract Terms

Many contractors run into problems because they don’t double-check their contract’s insurance requirements before submitting their COI. Here’s how to avoid that:

✅ Step 1: Request Full Insurance Requirements Early

Before signing a subcontract or agreement, request all insurance specifications—preferably in writing.

✅ Step 2: Review with Your Broker

Your broker should be experienced in construction insurance and understand the nuance of New York contractual language. They can help customize your policy to meet demands.

✅ Step 3: Provide Actual Endorsements When Needed

Listing someone as “additional insured” on the COI is not enough—you must include actual endorsement forms (e.g., CG 20 10, CG 20 37).

✅ Step 4: Keep Your COIs Updated

Many jobs require COI resubmission annually or even monthly. Set reminders so you’re not scrambling.

Contractors often look for info like “How to fix a rejected certificate of insurance in NYC?” or “Common mistakes on COIs for contractors.” Avoid these issues by partnering with a broker who knows the terrain.

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Why BGES Group Is the Right Partner for Contractors in 2025

When it comes to construction insurance in New York, BGES Group is one of the most experienced and respected names in the business. With decades of experience serving contractors throughout NYC, Long Island, and the Hudson Valley, they know exactly what clients, GCs, and municipalities are looking for on your COIs.

How BGES Group Can Help You:

• Review your contracts and advise on required COI language
• Customize your policies to avoid COI rejections
• Quickly issue accurate COIs and endorsements
• Find cost-effective coverage that meets NY’s unique legal risks
• Save you time, money, and frustration in 2025

If you’ve ever typed “contractor insurance broker near me” or “get help with COI in New York,” the team at BGES Group is who you want on your side.

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Contact BGES Group Today

Don’t let a COI hold up your project or cost you a contract. Partner with experts who can ensure your insurance coverage and documentation are rock solid.

BGES Group

📍 Contact: Gary Wallach

📞 Phone: (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌐 Website: www.bgesgroup.com

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By understanding how to provide a compliant Certificate of Insurance for NY construction projects, and by partnering with a specialist like BGES Group, you’ll protect your business, gain credibility, and stay ready to build in 2025 and beyond.

Navigating the world of contractor insurance in New York can be daunting for new and experienced contractors alike. Understanding the nuances of insurance policies and legal requirements can be the key to safeguarding your business. In this guide, we’ll tackle essential considerations to ensure you’re adequately protected.

Understanding Contractor Insurance Basics

Before diving into the specifics, it’s important to grasp what contractor insurance entails. It’s a safety net, protecting contractors from financial losses due to accidents, damages, or legal claims. Knowing the basics can help you navigate options and requirements more effectively.

Contractor insurance covers a broad spectrum, from property damage to personal injury claims that may arise during your work. It’s not just about legal compliance but a protective measure for unexpected events, such as workplace accidents. Even the most experienced contractors can face unforeseen challenges, so having the right insurance can make a significant difference in how these situations are handled.

Insurance policies often include multiple coverage elements, such as liability, property, and even vehicle insurance for work-related vehicles. This comprehensive approach ensures that you are protected against a wide range of potential risks. It’s not just about ticking off a requirement; it’s about understanding how each aspect of your insurance plays a role in safeguarding your business.

Why Contractor Insurance is Essential in New York

In a state as vibrant and regulated as New York, having the right insurance is crucial. Understanding state-specific requirements and why they matter can empower you to make informed decisions. From compliance with state laws to providing peace of mind, insurance plays a vital role in your business operations.

New York’s construction laws are stringent, and failing to meet the requisite insurance standards can result in hefty fines or even suspension of your contractor’s license. This is particularly evident in high-visibility projects where site safety is paramount. Ensuring that your insurance is compliant with local regulations not only protects your business legally but also enhances your professional reputation.

Having comprehensive contractor insurance is more than just a legal safeguard—it’s an assurance to your clients that you’re a responsible professional. A well-insured contractor is perceived as reliable and trustworthy, two qualities that are essential in maintaining client relations and building a steady stream of business opportunities in a competitive market like New York.

Types of Insurance Coverage You Need

Contractors may need various types of coverage, from general liability to worker’s compensation. We’ll discuss the different types of insurance policies available and how each one provides a layer of security for different aspects of your contracting business.

General liability insurance is perhaps the most common type, protecting against claims of bodily injury or property damage that occur during your business operations. Meanwhile, worker’s compensation insurance is mandatory and covers medical expenses and lost wages if an employee is injured on the job. Given the inherent risks in construction, ensuring workplace safety is not just best practice but a requirement.

For contractors who use vehicles for work, commercial auto insurance is vital. This policy covers damages and liabilities related to vehicles used in business operations. Additionally, tools and equipment insurance can protect against losses or damages to essential gear, ensuring your projects aren’t stalled if something goes awry. Understanding these different coverage areas helps tailor a comprehensive insurance plan that meets your specific business needs.

Selecting the Right Insurance Provider

Choosing the right provider is as important as selecting the right policy. Learn how to evaluate insurance companies based on their reputation, customer service, and coverage options to find a partner that understands your specific needs.

Start by researching providers with a strong foothold in the New York construction market. Look for companies that offer tailored insurance packages specifically designed for contractors. Customer reviews and testimonials can also act as valuable sources of information regarding the reliability and responsiveness of a provider.

When comparing options, consider the financial stability of the insurer. A company with a solid financial background is more likely to honor claims and provide support when you need it most. Don’t hesitate to ask potential providers detailed questions about their claims process and customer support, ensuring you’re comfortable with your decision.

Tips for Cost-Effective Insurance Solutions

Balancing cost with coverage is vital for any business. Here, we’ll share strategies for securing comprehensive insurance solutions without breaking the bank. From bundling policies to seeking discounts, cost-effective solutions are just around the corner.

Consider bundling multiple policies with the same provider to reduce premiums. Many insurers offer discounts for customers who purchase more than one type of coverage, such as pairing general liability with worker’s compensation insurance. This approach is not only cost-effective but also simplifies your management tasks by consolidating your coverage under one provider.

Another tactic is to consistently review and update your coverage. As your business grows and changes, your insurance needs will too. Regularly assessing your insurance policies can reveal overlaps or gaps in coverage, allowing you to make necessary adjustments that could result in cost savings.

Protect Your Business with the Right Insurance

In the bustling landscape of New York, having the right contractor insurance is not just a legal requisite but a smart business practice. By understanding the essentials and preparing accordingly, you can protect your business, your clients, and yourself from potential risks, ensuring peace of mind as you focus on delivering quality work.

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
 

In today’s fast-paced, profit-driven insurance world, New York contractors are finding themselves trapped in a system that has drastically changed — and not for the better. Once served by local insurance agencies that understood their business, cared about their needs, and went the extra mile, contractors now face impersonal, factory-like offices that treat them like numbers rather than valued clients.

Sound familiar?

This shift has happened fast. Over the past few years, many local and regional insurance agencies for contractors in New York have been bought up by large national or global firms. These corporate giants are focused more on shareholder value than client care. Their goal? Volume. They’ve turned what should be a highly personalized service into an automated, industrial process where service quality and real relationships are lost.

Insurance Factories: A Broken System

If you’ve walked into a hospital or local medical provider’s office lately, you’ve likely experienced the same cold, factory-like treatment. No personal connection. Minimal checkups. Surprise bills. You’re lucky if the provider even looks you in the eye. It’s not the way it used to be — not like when we were kids in the 60’s, when a doctor would come to your house, knew your name, your family, and actually cared.

The same can be said for many of today’s insurance providers for contractors. You call, and no one answers. You email, and it takes days — if not weeks — to hear back. Your policies get renewed without a proper review, with zero discussion about changes or recommendations. And heaven forbid you ask for advice or want someone to actually explain what your general liability policy, workers’ compensation, or commercial auto insurance really covers.

Even worse, many of these agencies are tacking on thousands in extra policy fees. These are often buried in the fine print or hidden in bundles. When you look at how much you already pay in premiums, it’s nothing short of disgraceful. These fees aren’t for your benefit — they’re a direct reflection of agency greed, showing clearly that they put themselves first and you, the hardworking New York contractor, second.

You Deserve Better: Personalized, Honest Insurance Service

Fortunately, there is still a better way. Enter BGES Group — an agency that operates the old-school way, like a mom-and-pop store from the 1960s. They serve contractors in New York City, Westchester, Long Island, and throughout the state with a level of care that’s become almost unheard of in today’s industry.

Here’s what sets BGES Group apart:

• When you call, they answer. No call centers. No endless hold times. You speak with someone who knows you and your business.
• They know your account inside and out. You’re not just a number — you’re a valued client.
• No ridiculous policy fees. BGES Group believes in honest, fair pricing. The thousands you’re likely paying in fees with the big agencies? That stops here.
• Day and night availability. Insurance emergencies don’t follow a 9–5 schedule. Neither does BGES Group.
• Coverage reviews and recommendations. They don’t just sell you a policy and disappear. BGES Group proactively helps you manage risk, reduce exposures, and tailor your contractor insurance policies to your evolving business needs.
• No high employee turnover. Stability matters, especially when it comes to your commercial insurance. BGES Group’s experienced staff stays put — and that consistency benefits you.

The True Cost of Impersonal Service

Let’s face it: contractors in New York face enough challenges already. Tight project deadlines. Labor shortages. Supply chain issues. Insurance should be the last thing you have to worry about — but it often becomes one of the biggest headaches.

When your broker isn’t checking your policies for errors, when they’re not identifying coverage gaps, and when they’re unreachable during a crisis, your business is put at risk. The sad reality is that many large agencies today simply don’t care. Their staff is overworked, undertrained, and constantly churning. You don’t get the relationship, the advice, or the support that’s critical to your success.

Why Local Still Wins

There’s a reason why old-school, family-run businesses are still loved: trust. When you build a relationship with someone who genuinely wants to help, it changes everything.

BGES Group is that kind of agency. They’re not beholden to shareholders. They don’t cut corners. And they’re passionate about protecting New York contractors the way it should be done — with honesty, diligence, and unmatched service.

Their team specializes in New York contractor insurance, general liability insurance for contractors, workers’ compensation insurance, umbrella policies, tools and equipment coverage, and more. Whether you’re an HVAC contractor in Queens, a plumber in Brooklyn, a roofer in Long Island, or a general contractor in Manhattan, BGES Group can help.

Contact BGES Group Today

If you’re tired of being treated like just another number, it’s time to switch. Take control of your insurance. Get the service you deserve.

Contact BGES Group:

Phone: (914) 806-5853 – Gary Wallach

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Location: Serving contractors in New York City, Westchester, Long Island, Rockland County, and statewide.

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Bottom Line for New York Contractors: Don’t let your business suffer under a broken insurance system run by corporations that don’t care. You work too hard to be underserved. Choose a partner that values you — choose BGES Group.

This isn’t just about better insurance. It’s about peace of mind. It’s about knowing someone has your back. It’s about getting back to the way things used to be — and still can be.

Operating as a contractor in New York presents unique challenges, from stringent labor laws to complex insurance requirements. Understanding the various insurance coverages is crucial to protect your business from potential risks. This article delves into the essential insurance policies every New York contractor should consider and highlights how BGES Group, led by Gary Wallach, stands out as a specialist in contractor insurance.

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1. General Liability Insurance

General Liability Insurance is foundational for contractors, covering third-party claims of bodily injury, property damage, and personal injury. In New York, where construction sites are prevalent, this coverage is vital. BGES Group offers tailored general liability policies, ensuring contractors have adequate protection against unforeseen incidents.

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2. Umbrella Liability Insurance

Umbrella Liability Insurance provides an extra layer of protection beyond the limits of your primary liability policies. In the litigious environment of New York, this coverage can safeguard your business from substantial claims that exceed standard policy limits. BGES Group assists contractors in determining appropriate umbrella coverage to match their risk exposure.

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3. Business Auto Insurance

Contractors often rely on vehicles for transporting tools, materials, and personnel. Business Auto Insurance covers vehicles used for work purposes, protecting against accidents, theft, and damage. BGES Group ensures that your business vehicles are adequately insured, keeping your operations running smoothly.

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4. Workers’ Compensation Insurance

New York law mandates Workers’ Compensation Insurance for businesses with employees. This coverage provides medical benefits and wage replacement to employees injured on the job. BGES Group specializes in workers’ compensation policies, helping contractors navigate the complexities of compliance and claims management.

5. New York State Disability Insurance

Beyond workers’ compensation, New York requires employers to provide Disability Benefits Law (DBL) coverage, offering short-term disability benefits to employees unable to work due to non-work-related injuries or illnesses. BGES Group assists contractors in securing DBL policies that meet state requirements.

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6. Professional Errors & Omissions (E&O) Insurance

For contractors involved in design or advisory roles, Professional E&O Insurance is essential. It covers claims arising from professional mistakes or negligence. BGES Group offers E&O policies tailored to contractors’ specific services, mitigating risks associated with professional liabilities.

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7. Labor Law Coverage

New York’s Labor Laws 240 and 241 impose strict liabilities on contractors for gravity-related injuries. Labor Law Coverage is crucial to protect against substantial claims resulting from falls or falling objects. BGES Group provides specialized policies addressing these unique legal exposures, ensuring contractors are well-protected.

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8. Understanding Policy Conditions and Exclusions

Insurance policies come with specific conditions and exclusions. It’s imperative for contractors to understand these details to avoid coverage gaps. BGES Group emphasizes transparency, thoroughly explaining policy terms to clients and ensuring comprehensive coverage without surprises.

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Why Choose BGES Group?

BGES Group, based in Larchmont, NY, is a boutique insurance agency specializing in contractor insurance. Led by Gary Wallach, who brings over 44 years of industry experience, BGES Group offers personalized service, ensuring clients receive tailored insurance solutions. Unlike larger agencies, BGES Group provides direct access to seasoned professionals who understand the intricacies of contractor insurance in New York.

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Client Testimonials

BGES Group’s commitment to excellence is reflected in client feedback:

1. “Exceptional Service!” “Gary and his team provided us with comprehensive coverage tailored to our needs. Their expertise in contractor insurance is unmatched.”
2. “Highly Recommend BGES Group” “Navigating insurance policies can be daunting, but BGES Group made the process seamless. Their attention to detail and customer service are top-notch.”
3. “Professional and Knowledgeable” “BGES Group’s understanding of New York’s labor laws and insurance requirements gave us confidence that our business is well-protected.”
4. “Responsive and Reliable” “Whenever we had questions or needed assistance, Gary was just a phone call away. Their responsiveness is truly commendable.”
5. “Trusted Insurance Partner” “We’ve been working with BGES Group for years, and they consistently deliver exceptional service and comprehensive coverage options.”

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Contact BGES Group

For specialized contractor insurance solutions in New York, reach out to BGES Group:

• Owner: Gary Wallach
• Phone: 914-806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com

Protect your contracting business with expert insurance guidance from BGES Group—your trusted partner in navigating New York’s complex insurance landscape.