Contractors — before you step onto your next job site, take a minute to protect your business the right way. Connect with us on LinkedIn (https://www.linkedin.com/in/gary-wallach-59407620/) and let’s make sure your insurance is built to handle the real risks you face.

New York contractors — let’s have a straight talk. When was the last time you felt like your insurance agent truly fought for you? Not just filled out your applications and collected a commission, but actually hustled to get you better pricing, smarter coverage, and fast, no-nonsense service? If you’re like most contractors, you’ve probably dealt with one of those big, factory-style insurance agencies where you’re just another number in their system.

But why settle for that?

There’s a better way — one that saves you time, money, and frustration.

BGES Group isn’t a corporate factory. We’re a mom-and-pop, street-smart operation run by people who know what it’s like to be in your shoes. No employee turnover. No ridiculous service fees. No clueless account managers. Just honest, hardworking insurance pros who get results and treat your money like it’s their own.

If you’ve ever been burned by a big-box agency or felt ignored after signing up, this is your wake-up call.

Here are 10 reasons why New York contractors should ditch the big factories and work with BGES Group instead:

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1. No Employee Turnover — You’ll Always Know Who You’re Working With

Ever get comfortable with an agent only to find out they quit two months later? At big agencies, employees come and go like subway trains. At BGES Group, we’re here for the long haul. You’ll deal directly with Gary Wallach, the owner, every time you call. No passing you off to a newbie. No revolving door of account reps. Just one experienced pro who knows your business inside and out.

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2. No Ridiculous Policy or Service Fees

Some agencies nickel and dime you for every little thing — certificates, endorsements, audits, you name it. At BGES Group, we don’t play those games. We respect your money. Our job is to save you money, not find new ways to charge you.

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3. No Clueless People Servicing Your Account

Let’s face it — in big agencies, you’re often stuck with a kid fresh out of college who doesn’t know the difference between a liability waiver and a ladder jack. At BGES Group, you work with seasoned, battle-tested professionals who know contractor insurance like the back of their hand.

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4. Street-Fighting, Frugal, Results-Driven Service

We don’t sit in air-conditioned offices waiting for carriers to hand us prices. We fight tooth and nail for our clients. We’ll shop the market relentlessly, negotiate aggressively, and find creative solutions to save you money and protect your business. When it comes to your premium dollars, we treat them like our own.

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5. Specialized in Contractors’ Insurance

Many agencies dabble in contractor insurance. We live it. BGES Group specializes in workers’ compensation and liability programs for contractors in New York, New Jersey, and Connecticut. We know your exposures. We know what carriers want. And we know how to structure your policies so you’re fully protected without overpaying.

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6. Direct Access to the Owner, 7 Days a Week

Try calling your big agency on a Saturday afternoon when you have a site emergency or need a certificate ASAP. Good luck. With BGES Group, you have Gary Wallach’s cell number. Call, text, or email — you’ll get a fast, personal response, whether it’s Tuesday at 10 a.m. or Sunday at 3 p.m.

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7. Help With Audits, Claims, and Compliance Headaches

Most agencies disappear once the policy’s in place. Not us. We’re in your corner year-round. From audit preparation and claims follow-up to safety advice and risk management help, we make sure you’re protected, compliant, and paying the least amount possible.

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8. No Corporate Nonsense or Bureaucracy

We don’t have layers of management, internal politics, or cookie-cutter processes. At BGES Group, decisions get made fast, problems get solved fast, and you never get the runaround. We hustle like our reputation depends on it — because it does.

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9. Trusted Network of Industry Resources

Need a good payroll company? Help with OSHA compliance? A reliable surety bond source? We’ve built a network of trusted pros who understand contractors. When you work with us, you tap into that network for free — no strings attached.

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10. We Save Our Clients Thousands Every Year

Talk is cheap — results matter. Year after year, we help New York contractors slash their insurance costs by thousands, sometimes tens of thousands, of dollars. And not by cutting corners or leaving you exposed, but by knowing where the deals are, how to negotiate with carriers, and how to build smarter programs. We make it our mission to find every possible way to lower your costs while improving your coverage.

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Ready for a Real Partner in Your Corner?

If you’re sick of being treated like a number and overpaying for mediocre service, it’s time to make a move.

BGES Group isn’t for everyone. We’re for contractors who value hustle, honesty, and real results. If you like dealing with straight shooters who fight for your business and save you money, give us a call. If you’d rather stay lost in a big agency’s system, no hard feelings.

But if you’re ready for a change — we’re ready for you.

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Contact BGES Group Today

Gary Wallach

Owner, BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

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PS: We’ll give you a free, no-obligation policy review. No pressure. No sales pitch. Just straight, honest advice about where you’re overpaying and where you can improve. Call or email today — you’ve got nothing to lose, and a lot to save.

New York Contractors — before you step onto your next job site, take a minute to protect your business the right way. Connect with us on LinkedIn https://www.linkedin.com/in/gary-wallach-59407620/ and let’s make sure your insurance is built to handle the real risks you face.

When you’re working in New York’s high-stakes construction market, the right insurance program isn’t a luxury — it’s a survival tool. General liability, umbrella liability, and workers’ compensation policies are your safety net, but if the fine print isn’t right, one bad claim can shut you down.

Here are 10 critical things you need to look for right now in your policies:

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Commercial General Liability (CGL) & Umbrella Liability

1. Blanket Additional Insured Endorsements

Your policy should automatically cover project owners, landlords, general contractors, and municipalities when required by written contract.

2. Primary & Non-Contributory Language

Ensures your insurance responds first in a claim without contribution from the additional insured’s policy — a must for most jobs.

3. Waiver of Subrogation Endorsements

Prevents your insurance carrier from pursuing other insured parties after a claim — a standard requirement on most New York projects.

4. Completed Operations Coverage for Additional Insureds

Your policy should extend additional insured coverage for completed operations for 5-10 years after project completion.

5. No Residential Exclusions (if you do residential work)

Many policies exclude residential work entirely — check for this exclusion, especially if you do any condo, apartment, or home projects.

6. No Action Over Exclusions (or properly limited)

“Action Over” claims — where an injured worker sues a property owner or GC who then seeks indemnity from you — can be financially devastating. Make sure your policy addresses this risk.

7. Adequate Umbrella/Excess Liability Limits

Most projects now demand at least $5 million in umbrella coverage. Confirm your umbrella policy follows form over your GL and employers liability.

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Workers’ Compensation

8. Owners Included or Excluded (Know Where You Stand)

Some policies automatically include owners in coverage; others exclude them. Be sure you’re clear about whether you’re covered in the event of injury.

9. Employers Liability Limits High Enough for New York Risks

Standard minimum limits often aren’t enough in New York’s labor law environment. Make sure you have at least $1 million/$1 million/$1 million — many contracts require it.

10. Waiver of Subrogation Available for Workers’ Comp

Project owners and GCs often require this — and it’s best to have it built into your policy or readily available via endorsement when needed.

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How BGES Group Protects New York Contractors Better

At BGES Group, we specialize in contractor insurance programs and understand the specific risks and requirements you face in New York, New Jersey, and Connecticut. We’ll review your current policies, explain where you’re exposed, and help you secure superior, competitively priced coverage that keeps you job-site ready.

From general contractors to electricians, HVAC contractors, masons, plumbers, and all trades in between — we’ve got your back.

Reach out today for a free policy review or new quote:

Gary Wallach

BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

And don’t forget — connect with us on LinkedIn https://www.linkedin.com/in/gary-wallach-59407620/ so we can stay in touch and keep you up to date with smart insurance tips for your business.

If you’re a business owner operating in the tri-state area (New York, New Jersey, and Connecticut), you know how complex and costly workers compensation insurance can be. From rising premiums to coverage gaps, misclassified employees to denied claims — the system can feel like a minefield. What many business owners don’t know is that these problems are often preventable — and that expert help is just a phone call away.

At BGES Group, we specialize in solving the toughest workers compensation insurance problems for businesses across the tri-state area. If you’re experiencing any of the following 10 issues, read on — we have solutions designed specifically for you.

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Top 10 Workers Compensation Insurance Problems Tri-State Business Owners Face

1. Skyrocketing Premiums
Are your premiums increasing year after year, despite no significant increase in claims? You’re not alone. Many businesses pay too much because their policy hasn’t been properly reviewed or marketed to the right insurance carriers.

2. Misclassified Employees
One of the most common and costly errors in workers comp is employee misclassification. If your employees are placed in the wrong class code, you could be overpaying by thousands of dollars a year.

3. High Experience Modification Rating (EMR)
A high EMR not only spikes your premium but can also hurt your chances of winning contracts. BGES Group helps reduce your EMR by analyzing past claims and implementing cost-control strategies.

4. Frequent Claim Denials or Delays
Delayed or denied claims can create tension between you and your injured employees, and may result in litigation. Our proactive claims management helps get your employees the care they need quickly while protecting your bottom line.

5. No Return-to-Work Program
Not having a clear return-to-work strategy can drive up claim costs and insurance premiums. BGES Group helps develop tailored programs that reduce downtime and save money.

6. Poor Risk Management or Safety Program
Insurance companies reward businesses that take safety seriously. We work with you to build or enhance your risk management efforts — helping reduce injuries and costs.

7. Lack of Access to Competitive Quotes
Too many businesses rely on one broker and one quote. We work with multiple A-rated carriers and present competitive options so you can make the best choice for your business.

8. Surprise Audits and Unexpected Bills
Post-policy audits often result in unexpected premium adjustments. We help you stay ahead of audits with proper documentation and accurate payroll reporting to prevent nasty surprises.

9. Difficulty Finding Coverage for Higher-Risk Industries
Construction, manufacturing, transportation — these industries face a tougher time securing affordable coverage. BGES Group specializes in placing workers comp insurance for high-risk sectors.

10. A Broker Who Doesn’t Understand Your Business
If your current agent isn’t proactively working to reduce your costs and exposures, it’s time for a change. You need a specialist who treats your business like a partner — not a policy number.

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Meet BGES Group: Tri-State Workers Compensation Insurance Specialists

BGES Group isn’t just another insurance agency. We are one of the leading workers compensation insurance specialists in the tri-state area, with over 45 years of experience helping business owners like you take control of their insurance costs and compliance.

Our focus is singular: helping business owners optimize, simplify, and protect their workers compensation programs. We dig deep into your operations, review classifications, analyze claims histories, and create customized strategies to cut waste and boost protection. Most importantly, we bring the human touch — providing you with personalized service, not call-center treatment.

BGES Group works with top-rated carriers, ensuring you get access to the most competitive rates on the market. We advocate for our clients before, during, and after the policy is written. We’re problem solvers. Whether you’re dealing with an audit dispute, claim issue, or trying to lower your EMR, we roll up our sleeves and get to work.

Our services include:

• Full policy and classification audits
• Access to over 15 competitive workers comp carriers
• Experience Mod analysis and reduction strategies
• Claims management and advocacy
• Return-to-work program design
• Safety and risk control consultation
• Specialized programs for high-risk industries

At BGES Group, we don’t just sell insurance — we deliver solutions that save money and minimize risk.

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Contact BGES Group Today

If you’re a business owner in New York, New Jersey, or Connecticut and facing any of the 10 issues listed above, it’s time to stop overpaying and start getting expert help.

BGES Group is ready to provide a no-obligation review of your workers compensation insurance program. We’ll uncover savings opportunities, address compliance gaps, and recommend strategies to improve your coverage and reduce your premiums — fast.

Contact us today:

📞 Phone: (914) 806-5853
📧 Email: info@bgesgroup.com
🌐 Website: www.bgesgroup.com

Contact: Gary Wallach

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Don’t let workers compensation challenges drag down your business. Let BGES Group help you take control — with expert guidance, personalized service, and cost-saving solutions tailored for tri-state business owners like you.

Call now — your bottom line will thank you.

Navigating the world of workers’ compensation can be daunting for contractors, especially in the bustling environment of New York City. With unique regulations and requirements, it’s crucial to arm yourself with the right knowledge to protect your rights and interests. Whether you’re a seasoned contractor or new to the scene, these essential tips will help you understand and manage workers’ compensation effectively.1. Understand Your Classification

In NYC, it’s vital to know whether you’re classified as an employee or an independent contractor, as this affects your eligibility for workers’ compensation. The New York State Department of Labor uses several factors to make this determination, including the degree of control over how the work is performed and the financial arrangement between the parties involved. Understanding these criteria will not only keep you informed about your rights and benefits but also ensure you’re appropriately classified for tax purposes.

Misclassification can lead to unnecessary complications and potential loss of benefits. It’s important to maintain transparency in your work arrangements and consult with an expert if you’re unsure about your classification status. Knowing your status also helps in determining other legal protections available to you, besides workers’ compensation.

2. Check Your Coverage Requirements

As a contractor, you may not be automatically covered under your client’s workers’ compensation insurance. It’s important to verify if you need to secure your own coverage to protect yourself in case of an accident or injury on the job. New York law requires businesses to provide insurance for their employees, but independent contractors need to check their contracts carefully.

Consider reaching out to a workers’ compensation insurance provider to explore your options. Maintaining this coverage not only protects your livelihood in case of injury but also ensures you’re in compliance with state regulations. Having a dedicated policy can also provide peace of mind and allows you to focus on your projects without worrying about unexpected incidents.

Insurance costs vary depending on the type of work and the potential risks involved. Be proactive in discussing coverage needs when negotiating contracts, and factor in the cost of securing your own policy if necessary. This proactive approach ensures you’re fully protected and compliant with state laws, reducing the risk of incomplete coverage.

3. Keep Detailed Records

Maintaining detailed records of your work agreements, hours, and any safety incidents can be critical if you ever need to file a claim. Documentation isn’t just a bureaucratic necessity—it’s your first line of defense. In the unfortunate event of an injury or dispute, having a well-organized log of your work can be instrumental in substantiating your claim against challenges.

Digital tools can make record-keeping simple and efficient. Applications designed for contractors, such as tool tracking software, can streamline the process, allowing you to update your records in real-time. This proactive step can save you significant headaches down the road, ensuring you have a complete record at your fingertips whenever it’s needed.

Safety is a critical component of maintaining a productive work environment, and thorough documentation is part of a robust safety plan. Regularly review your logs to identify any recurring safety issues and address them promptly. Engaging with safety training materials can also enhance your knowledge and preparedness.

4. Know the Claim Filing Process

Being familiar with the claim filing process ensures you can act promptly and correctly in the event of an injury. The New York State Workers’ Compensation Board provides guidelines and resources to help you navigate the filing process, including information on required forms and deadlines. Understanding these elements can greatly influence the success of your claim, turning a potential misstep into a seamless resolution.

Don’t wait until an injury occurs to learn about the steps involved in filing a workers’ compensation claim. Review available resources and consider attending workshops or sessions conducted by workers’ compensation experts. These opportunities can offer you insights into maximizing the effectiveness of your claim and avoiding common pitfalls.

5. Understand Benefits Available

Workers’ compensation offers various benefits such as medical coverage and wage replacement. Understanding these benefits is crucial as it can make a big difference in your financial stability, especially if you’re injured and unable to work. Medical benefits cover necessary treatments, while wage replacement helps compensate for lost income during your recovery period.

Beyond basic medical and wage benefits, some policies may offer additional assistance, such as rehabilitation services or training for those unable to return to their original work. Staying informed about the extent and limits of these benefits can help in planning your recovery journey and ensuring you have access to necessary resources.

6. Consult with a Professional

When in doubt, consulting with a workers’ compensation attorney or a knowledgeable advisor can provide clarity and guide you through complex situations. The intricate web of legalese and procedural nuances can sometimes be overwhelming, even for seasoned contractors. A professional can walk you through contractual language and provide insights into what your responsibilities and entitlements might be.

An initial investment in legal advice might save you considerable time and trouble down the line. Look for experts who specialize in NYC labor laws and who have a proven track record in assisting contractors. Their expertise can ensure your rights are fully protected, and they can offer strategic suggestions tailored for your specific circumstances.

7. Stay Informed About Changes in Legislation

Workers’ compensation laws and regulations can change, affecting your rights and responsibilities. Keeping abreast of these changes is critical in ensuring that you’re compliant and can quickly adapt to new legal requirements. Subscribe to trusted legal newsletters or join industry groups to receive timely updates and expert commentary on legislative developments.

Networking with fellow contractors or participating in professional forums and workshops can also give you an edge in staying informed and applying legislative changes effectively. This proactive engagement helps you avoid missing crucial updates that might impact your work, and positions you as a knowledgeable and responsible professional in your field.

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

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2025 – BGES Group
 

If you’re a New York contractor, you know how crucial the right insurance agency is to your business. From securing jobsite certificates to managing claims, you need a team that’s responsive, honest, and truly on your side. Unfortunately, many contractors are stuck with agencies that overcharge, underdeliver, and treat clients like a number in a file cabinet.

At BGES Group, we’ve been in this business for decades, and we’ve seen it all. If your current agency exhibits any of the signs below, it’s time to make the switch and experience the BGES difference.

1. They Never Answer the Phone

How many times have you called your agency only to be stuck in a phone tree or forced to leave a voicemail that gets returned hours—or even days—later? That doesn’t work when you’re on a jobsite and need answers now.

At BGES Group, we pride ourselves on answering your call within two rings. You talk to a real, knowledgeable person who’s ready to help right away—no waiting, no runaround.

2. They Charge You $1,000 to $2,500 (or More) in Policy Fees

If your agency is tacking on massive policy fees, it’s time to ask yourself: What am I really paying for? These fees are often hidden, unnecessary, and, frankly, greedy.

At BGES Group, we don’t believe in gouging our clients. We charge little to no policy fees, ever. We’re in this business to help contractors succeed, not to pad our bottom line at your expense.

3. They Take Hours (or Days) to Send a Certificate

When a job is on the line, waiting for insurance certificates can cost you work and damage your reputation.

At BGES Group, we issue certificates in minutes. We’re built to respond fast because we understand that your time is money.

4. Constant Employee Turnover at Their Office

It’s frustrating when every time you call, you speak to someone new who doesn’t know you or your business. High turnover means inconsistency, miscommunication, and errors.

At BGES Group, you speak to the same person every time—someone with 45 years of experience who knows your account like the back of their hand. That’s the kind of continuity and expertise you deserve.

5. Customer Service Is Moody or Unhelpful

You shouldn’t feel like you’re bothering your agency when you call. Your questions are valid, and you deserve a respectful, helpful response every time.

At BGES Group, our customer service is second to none. Our team is always friendly, knowledgeable, and happy to help—because that’s how professionals treat professionals.

6. They’re Big, Impersonal, and Operate Like a Factory

Some agencies are so big that clients are shuffled through like products on an assembly line. There’s no personal connection, no care, and no sense of loyalty.

BGES Group runs differently. We operate like a “Mom and Pop” shop from the 60s—personal, caring, and truly invested in our clients. We take the time to understand your business, and we treat you like family.

7. They Don’t Understand the Construction Industry

Not every insurance agency understands the unique risks, needs, and demands of construction businesses. A generic policy isn’t going to cut it when you’re dealing with subcontractors, changing job sites, and tight deadlines.

At BGES Group, we specialize in working with contractors. We know your world, your pain points, and your deadlines—and we build customized policies that reflect that.

8. They’re Reactive Instead of Proactive

Many agencies wait until a problem arises before they respond. By then, it might be too late to protect your interests.

At BGES Group, we’re proactive. We regularly review your coverage, notify you of potential risks, and help you stay ahead of industry and regulatory changes. Our goal is to prevent issues before they happen.

9. They Don’t Help You Lower Your Premiums

If your agency just sends you a renewal bill every year without trying to lower your costs or improve your coverage, they’re not working for you—they’re working for themselves.

At BGES Group, we aggressively shop your policy every year to find the best coverage at the most competitive price. We’ll even coach you on risk management strategies to reduce claims and keep your premiums down.

10. They Make Claims a Nightmare

Filing a claim shouldn’t feel like pulling teeth. If your agency disappears when a claim arises or leaves you to deal with the carrier alone, that’s a massive red flag.

With BGES Group, we’re in your corner. We assist with claims from start to finish, advocate on your behalf, and make sure you get what you’re owed—fast.

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Why Contractors Are Switching to BGES Group

At BGES Group, we’re not just another insurance agency—we’re your partner in business. We bring 45 years of hands-on experience, a deep understanding of the construction industry, and a personalized, fast-response service model that’s rare in today’s insurance world.

We don’t nickel and dime you. We don’t disappear when you need us. And we don’t pass you off to inexperienced staff.

We answer. We care. We deliver.

Ready to Make the Switch?

If you’re tired of dealing with poor service, high fees, and impersonal agencies, it’s time to join the hundreds of New York contractors who trust BGES Group to protect their business and support their growth.

Contact BGES Group Today:

📞 Call us at: Gary Wallach (914) 806-5853 📧 Email: bgesgroup@gmail.com 🌐 Visit: www.bgesgroup.com

Don’t settle for less than you deserve. Let BGES Group show you what real service looks like. Your business is too important to trust to anyone else.

In the fast-paced, high-stakes world of New York construction, success depends not just on skill and grit but on knowing how to play the game. From the Bronx to Brooklyn, and all the way out to Long Island, contractors face a complex mix of regulations, client expectations, labor shortages, and financial risks. To thrive, you need more than a toolbelt and a blueprint—you need a mindset, a code. Think of this as your modern-day survival guide: the 10 Commandments of Being a New York Contractor.

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1. Thou Shalt Know the Code—and Stay Ahead of It

New York’s building codes and safety regulations are among the most rigorous in the country. What passed inspection last year might fail today. As a contractor, it’s your job to stay informed, not just compliant. One missed update could cost you thousands in fines or delays. Know the code like the back of your hand—or partner with someone who does.

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2. Thou Shalt Not Underestimate the Permit Process

Permits in New York can be a bureaucratic maze. You may face delays not just due to paperwork but also due to city backlogs, shifting zoning laws, and local objections. Always factor in time (and money) for permitting. Better yet, develop good relationships with permit expeditors and local officials to help speed things along.

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3. Thou Shalt Prioritize Safety Every Day

OSHA fines, worker injuries, and lawsuits can cripple your business. Safety isn’t just a regulation—it’s a culture. Daily toolbox talks, proper PPE, and consistent training aren’t optional. In 2025, clients and GCs expect full transparency, including digital safety reports and certification tracking.

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4. Thou Shalt Embrace Technology

From drones to digital blueprints to real-time project management apps, the modern job site is wired. Embracing construction tech not only improves efficiency but makes you more attractive to high-end clients and large developers. Refusing to innovate is a fast track to getting left behind.

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5. Thou Shalt Respect the Labor Landscape

Labor shortages continue to plague the industry. Skilled tradespeople are in high demand, and keeping a reliable crew means paying fair wages, offering consistent hours, and maintaining a respectful job site. Your workforce is your greatest asset—treat them like it.

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6. Thou Shalt Master the Art of Bidding

Low-balling can win you the job—but lose you the war. Smart contractors know how to bid accurately, price for contingencies, and communicate their value clearly. Clients in New York want competitive pricing, but they’re also looking for experience, dependability, and quality. Don’t sell yourself short.

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7. Thou Shalt Communicate Like a Pro

New Yorkers are busy, blunt, and expect results yesterday. Whether you’re dealing with clients, architects, inspectors, or suppliers, clear and proactive communication is non-negotiable. Use project management tools to keep stakeholders in the loop and respond to issues quickly. One missed call could mean one lost client.

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8. Thou Shalt Keep Records Holy

In a state where lawsuits are common and claims are costly, documentation is your best defense. Keep detailed records of contracts, change orders, inspections, and communications. Cloud-based systems and apps can help you stay organized and protected. If it’s not in writing, it didn’t happen.

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9. Thou Shalt Protect Thy Business with Strong Insurance

New York is a litigious state with high stakes. General liability, workers’ compensation, commercial auto, equipment coverage—if you’re not properly insured, you’re rolling the dice every day. The cost of a lawsuit or injury claim can wipe out a small business in a heartbeat. Don’t gamble—get covered.

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10. Thou Shalt Partner with Experts Who Have Your Back

Running a construction business in New York is hard enough without going it alone. Surround yourself with experts—accountants, legal counsel, and most importantly, a trusted insurance advisor who knows your business and your risks.

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Enter BGES Group: Your Trusted Partner in Construction Insurance

That’s where BGES Group comes in. Based in Larchmont, NY, BGES Group specializes in helping New York contractors like you protect what you’ve worked so hard to build. With over 40 years of experience in the construction insurance space, they’re not just selling policies—they’re solving problems and safeguarding your business.

Led by Gary Wallach, BGES Group takes a hands-on, high-touch approach. They review your policies, identify gaps, and ensure you’re not overpaying—something all too common in today’s market. Many of their contractor clients have saved thousands, even recovered six-figure refunds from workers’ compensation audits.

BGES Group works with over 50 insurance carriers, allowing them to tailor coverage specific to your trade and your unique risk profile. Whether you’re a GC, electrician, plumber, mason, or roofer, they’ve got you covered with:

• General Liability
• Workers’ Compensation
• Commercial Auto
• Builder’s Risk
• Umbrella Policies
• Tools and Equipment Coverage

And unlike large, impersonal agencies, when you call BGES Group, you’re not routed to a call center. You get fast, personal service from real people who understand what’s at stake.

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Contact BGES Group Today

Ready to put the right protection in place so you can focus on growing your business?

Call or Text: 914-806-5853
Email: bgesgroup@gmail.com
Address: 216A Larchmont Acres West, Larchmont, NY 10538
Website: www.bgesgroup.com

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Final Word

Being a contractor in New York is not for the faint of heart. But with grit, a solid plan, and the right partners, you can rise above the chaos and build something great. Follow these 10 Commandments, lean on the experts, and you’ll be set up not just to survive—but to thrive.

Need help reviewing your insurance setup or finding a better deal? BGES Group is just a call away.

Many businesses, knowingly or not, release pollutants during their daily operations. While some take proactive measures to mitigate environmental impact, others may be unaware of the risks they face — until it’s too late.

If pollutants from your business contaminate another property or cause harm to individuals, you could face serious financial and legal consequences. That’s where pollution insurance comes in.

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What Is Pollution Insurance?

Pollution liability was once included in standard general liability policies. However, the asbestos crisis of the 1970s led insurers to exclude it, requiring businesses to purchase pollution coverage as a separate policy.

Today, pollution insurance is available to businesses of all types — from farms and manufacturing facilities to salons, dry cleaners, apartment complexes, and more.

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Why Is It Important?

Pollution can stem from current operations or from contamination already present on your property. If these pollutants migrate or cause damage, your business could be liable for cleanup costs, property damage, or personal injury — even if the pollution wasn’t intentional.

Without insurance, these costs come straight out of your pocket.

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What Does It Cover?

Pollution insurance policies vary by provider, but most offer coverage for:

• Third-party bodily injury and property damage
• Cleanup costs on third-party properties
• Pollution incidents occurring after policy inception
• Legal defense costs, including investigation and court fees

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Who Needs Pollution Insurance?

This type of coverage is essential for:

• Property owners and tenants with a history of contamination (e.g., old underground storage tanks)
• Contractors (like roofers) who use or encounter hazardous substances such as tar or chemicals
• Design professionals (architects, engineers) involved in projects with environmental exposures — often as an add-on to their errors and omissions insurance

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5 Real-World Examples: Why Contractors Need Pollution Liability Insurance

1. Roofers Using Hot Tar
   A roofer accidentally spills hot tar that seeps into the building’s HVAC system, releasing fumes and requiring emergency environmental cleanup.
2. HVAC Contractors Handling Refrigerants
   During a routine AC system replacement, refrigerant leaks into the soil. The contractor is liable for environmental remediation costs and potential fines.
3. Demolition Contractors Uncover Asbestos
   A demolition project disturbs previously undocumented asbestos. Nearby properties file claims due to contamination, requiring legal defense and cleanup.
4. Painters and Coatings Contractors
   Spray painting a large structure leads to overspray drifting onto nearby vehicles and properties. The resulting cleanup and damages are not covered under general liability alone.
5. Site Excavators or Grading Contractors
   Digging on a site unearths contaminated soil that must be removed and properly disposed of under environmental regulations. Without pollution coverage, the contractor pays out-of-pocket.

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The Bottom Line

Pollution insurance is a critical part of any comprehensive risk management strategy. If you’re unsure whether your business is adequately protected, it’s time to talk to an expert.

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Why BGES Group?

At BGES Group, we specialize in helping businesses across New York, New Jersey, and Connecticut secure the right coverage. Representing over 50 insurance carriers, we offer tailored solutions for:

• Pollution & environmental liability
• General and umbrella liability
• Property and builders’ risk
• Inland marine, auto, and bonds
• Workers’ compensation, NYS disability, and group health

We go beyond the basics. Whether it’s a weekend or weekday, we’re just a call, text, or email away — ready to help you protect what you’ve worked hard to build.

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Special Expertise: Workers’ Compensation

If you’re facing challenges with your workers’ comp — like rising rates, non-renewals, audits, or classification issues — we can help. We offer exclusive programs for:

• Auto services
• Contractors (especially in New York)
• Limousine and logistics companies
• Manufacturers and recyclers
• Trucking businesses

We are a preferred agent for a premier multi-state program that offers competitive pricing, audit relief, and long-term coverage stability.

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Let’s Talk

📞 Call Gary Wallach at 914-806-5853
📧 Email us bgesgroup@gmail.com
🌐 Visit our website www.bgesgroup.com

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

If you’re a contractor operating in the Tri-State area — New York, New Jersey, or Connecticut — you know how crucial it is to have reliable, affordable workers’ compensation insurance. It’s not just about compliance; it’s about protecting your business, your crew, and your bottom line.

Yet far too many contractors stick with insurance providers that overcharge them, offer poor service, and leave them stranded when problems arise. If you’ve been frustrated with your current workers’ comp insurance company, you’re not alone — and it’s time to consider a better option.

That’s where BGES Group comes in. We specialize in providing tailored, cost-effective workers’ compensation insurance solutions for contractors in the Tri-State area. Below are 10 compelling reasons why it’s time to pick up the phone and call us today.

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10 Reasons Tri-State Contractors Should Contact BGES Group for a New Workers’ Compensation Policy

1. We Understand Contractors’ Needs Like No One Else

BGES Group works with contractors every day. From general contractors to electricians, plumbers, masons, landscapers, roofers, and painters — we know your industry, your exposures, and your unique insurance challenges. We’re not a generic agency offering cookie-cutter policies; we design programs that fit your operation and workforce.

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2. Competitive Pricing That Can Save You Thousands

Many contractors are shocked when we review their current policy and show them how much they’re overpaying. BGES Group works with multiple carriers that specialize in contracting businesses, giving us the ability to shop around for the best possible rates for you. In many cases, we save contractors 20% to 40% off their current premiums — sometimes more.

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3. Great Markets You Can’t Access Directly

One of the biggest advantages of working with BGES Group is our access to great markets that aren’t available to the general public. These carriers focus specifically on the construction trades and offer competitive pricing, flexible payment plans, and outstanding claims service.

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4. Help with Claims Management and Loss Control

Let’s face it — accidents happen. But how your claims are handled can make a huge difference in your premiums and your business reputation. BGES Group offers hands-on claims management support, helping you navigate the process, control costs, and reduce claim frequency. We also provide practical, on-site loss control advice to help you create a safer workplace.

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5. Payment Flexibility for Contractors

Cash flow can be unpredictable in the contracting world. That’s why BGES Group works with insurance companies offering flexible payment options — including pay-as-you-go plans based on your actual payroll, low down payments, and affordable monthly installments.

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6. Fast, Responsive Service

When you need a certificate of insurance, you shouldn’t have to wait days. Our team prides itself on same-day service, quick responses to your calls and emails, and proactive support. Whether you have a new job starting tomorrow or a client demanding proof of coverage today — we’ve got your back.

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7. Assistance with Audits

Insurance audits can be intimidating, but they don’t have to be a nightmare. BGES Group helps our clients prepare for audits, ensuring your paperwork is in order and you’re not being unfairly charged. We’re by your side throughout the process to answer questions and advocate for you when needed.

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8. Workers’ Comp Solutions for High-Risk Contractors

Many insurance companies shy away from contractors in high-risk trades like roofing, demolition, masonry, or tree service. Not BGES Group. We have access to specialized programs and carriers that welcome higher-risk operations — often at rates lower than what you’re currently paying.

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9. Personalized, Old-School Customer Service

In a world of call centers and automated systems, we believe in real relationships. When you work with BGES Group, you get a dedicated insurance professional you can call directly — someone who knows your name, your business, and your needs. No robots. No endless hold times. Just real people providing real service.

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10. We’re Contractors’ #1 Advocates

At BGES Group, contractors aren’t just another policy number — you’re our top priority. We fight for better rates, better claims outcomes, and better service on your behalf. Our reputation is built on protecting Tri-State contractors and keeping their businesses running smoothly and affordably.

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Don’t Stay Stuck with a Bad Insurance Company — Make the Switch to BGES Group

If your workers’ compensation insurance company isn’t meeting your expectations — whether it’s overcharging you, mishandling claims, or providing poor service — you owe it to yourself to see what BGES Group can do for you.

The process is simple:

• We’ll review your current policy at no charge.

• We’ll identify coverage gaps, overcharges, and potential savings.

• We’ll quote multiple options through top-rated carriers.

• We’ll help you make an informed decision that benefits your business.

No pressure. No obligation. Just honest, expert advice and the opportunity to save money and improve your coverage.

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Contact BGES Group Today

Gary Wallach — BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Serving contractors throughout New York, New Jersey, and Connecticut — and with an associate covering contractors nationwide.

Get a quote. Get peace of mind. Get BGES Group on your side.

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Contractors — isn’t it time you worked with a workers’ compensation specialist who truly cares about your business? Call us today! 

In the world of construction, risk is everywhere — from on-site accidents to property damage, and from legal disputes to contract disagreements. This is why liability insurance is such a vital asset for every New York contractor. But having a policy in place isn’t enough. The details hidden within your policy forms and endorsements could either protect your business or leave you dangerously exposed.

Many contractors don’t realize that insurance requirements imposed by project owners, general contractors, and municipalities involve specific forms and endorsements added to their liability policies. Failing to understand these can delay jobs, lead to denied claims, or even breach contracts.

Let’s break down some of the most important forms New York contractors encounter — and explain why you need to pay attention to them.

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Additional Insured Forms for Ongoing Operations: With and Without Privity

An Additional Insured (AI) form adds another party (like a project owner, GC, or municipality) to your liability policy, extending coverage to them for claims arising out of your work.

Ongoing operations refers to incidents that occur while the work is being performed, but before the job is completed.

• With Privity: This form requires a direct written agreement (like a contract) between the contractor and the party requesting AI status. It limits who gets coverage to those you’ve signed agreements with. It’s often preferred by insurance carriers as it restricts exposure.

• Without Privity: This broader form allows AI coverage to any entity requiring it, whether you have a direct contract or not. It’s more favorable to project owners and GCs because it extends coverage even if the contractor hasn’t signed an agreement with them directly — increasing the potential liabilities for your insurance company.

Contractors need to know what type of form their policy includes, as project requirements will often specify one over the other.

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Additional Insured Forms for Completed Operations: With and Without Privity

Once a job is finished, liability doesn’t just disappear. Defective work or resulting injuries can lead to claims years later. That’s where completed operations coverage comes into play.

• With Privity: Again, only those with whom you have a written agreement are covered for completed operations as an additional insured.

• Without Privity: Offers broader coverage, extending AI status for completed operations to parties even without a direct contract.

It’s crucial to ensure your policy’s completed operations endorsement aligns with what’s required in your contracts. If a claim arises years after project completion and the AI status isn’t properly structured, your client could sue you directly — and your insurance might not respond as expected.

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Primary and Non-Contributory Language

Many contracts require a contractor’s insurance policy to be primary and non-contributory.

• Primary means your policy responds to a claim first, before any other insurance the additional insured might carry.

• Non-Contributory means your insurer cannot seek contribution from the additional insured’s insurance.

This provision ensures the additional insured’s policy is protected and not depleted by claims stemming from your work. If your liability policy lacks this endorsement, your client may refuse to let you on the job — or worse, you might find yourself personally responsible for defense and damages.

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Blanket Waiver of Subrogation: With and Without Privity

Subrogation is your insurance company’s right to recover money from a third party responsible for a loss after they’ve paid a claim. A waiver of subrogation prevents your insurer from pursuing such recovery against certain parties.

• With Privity: The waiver applies only to parties with whom you have a written agreement in place.

• Without Privity: A broader form where the insurer agrees not to seek recovery from any party requiring a waiver, regardless of a written contract.

Many project owners demand this as it reduces their potential liability. Make sure your liability policy includes a blanket waiver of subrogation, and clarify whether it’s with or without privity to avoid costly gaps.

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Per Project Aggregate

A per project aggregate endorsement modifies your general liability policy’s limit so that each individual project has its own separate aggregate limit for claims.

Without it, the total aggregate limit of your policy could be exhausted by claims from one project, leaving others without coverage. For contractors juggling multiple jobs at once, this could be financially devastating.

Clients and GCs often require per project aggregates to protect their projects from being affected by unrelated claims. If you’re bidding on municipal or large commercial jobs in New York, expect this requirement to appear.

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How BGES Group Can Help New York Contractors Stay Protected

Navigating the complexities of liability insurance endorsements and forms isn’t easy. That’s where BGES Group comes in.

BGES Group specializes in providing business insurance for contractors throughout New York, as well as New Jersey and Connecticut. They understand the unique requirements of the construction industry and stay up to date on what project owners, general contractors, and municipalities demand in insurance language.

Gary Wallach, head of BGES Group, brings years of experience to the table and works closely with contractors to:

• Ensure their liability policies contain the proper endorsements for ongoing and completed operations

• Secure primary and non-contributory status when required

• Obtain blanket waivers of subrogation with or without privity, as contractually demanded

• Add per project aggregate limits to meet large job specifications

• Educate clients about their insurance obligations before they sign contracts, preventing costly surprises

Whether you’re a small subcontractor or a large GC, BGES Group helps tailor insurance programs that meet contract requirements and protect your business from jobsite risks and legal exposures.

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Contact BGES Group Today

If you’re a New York contractor and want to be sure your insurance program won’t hold up your projects or leave you exposed to liability, reach out to BGES Group:

• Contact: Gary Wallach

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Don’t let unclear insurance language jeopardize your business or delay your next job. Partner with experts who understand your world and protect your future.

For contractors in the Tri-State area and across the country, subcontracting is a common and often necessary practice to complete projects on time and within budget. However, when a contractor relies too heavily on subcontractors, it can raise red flags for insurance companies — especially for Commercial General Liability (CGL) and Workers’ Compensation (WC) insurers.

In this article, we’ll explain why insurance companies grow cautious when contractors sub out a majority of their work, what requirements are typically written into CGL policies to manage these risks, and how BGES Group is uniquely positioned to help contractors in New York, New Jersey, and Connecticut manage their insurance programs effectively.

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Why Do Insurance Companies Care About Subcontracting?

From an insurance company’s perspective, the more a contractor subcontracts work out to others, the less control they have over job site safety, quality of workmanship, and risk management procedures. This lack of oversight can lead to increased liability exposures and claim frequency.

Some of the key concerns insurance carriers have when contractors rely heavily on subcontractors include:

• Higher Liability Exposure: If a subcontractor causes property damage, bodily injury, or another type of claim, the general contractor may ultimately be held responsible if the subcontractor is uninsured, underinsured, or if their policy contains exclusions.

• Uninsured or Inadequately Insured Subcontractors: Not all subcontractors maintain proper insurance coverage. If a subcontractor is uninsured and causes a loss, the responsibility often falls back on the hiring contractor’s policy.

• Workers’ Compensation Exposure: Even though subcontractors may be considered independent contractors for tax purposes, Workers’ Comp boards and insurers often classify uninsured or misclassified subs as employees for the purpose of coverage and claim handling. This can lead to unexpected premium audits and liabilities for the general contractor.

• Job Site Safety Risks: Contractors have more control over safety procedures and compliance when using their own employees. With subcontractors, it’s more difficult to ensure that safety protocols are followed, increasing the chance of on-site accidents and claims.

• Claims History Impact: When claims are caused by the actions of subcontractors, the general contractor is usually sued too. This can go against the general contractor’s loss history, impacting future premiums and insurability.

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How Commercial General Liability Policies Manage Subcontractor Risk

To mitigate these risks, most Commercial General Liability insurance carriers include specific requirements and policy provisions such as soft or hard hammer clauses that address the use of subcontractors. Some of the common clauses and stipulations include:

• Insurance Requirements for Subcontractors: Policies often require general contractors to ensure that any subcontractor they hire carries their own General Liability insurance, often with equal or greater limits of coverage.

• Hold Harmless and Indemnification Agreements: CGL policies frequently stipulate that contractors must have subcontractors sign hold harmless agreements, transferring liability for their own actions back to them.

• Additional Insured Status: Many carriers require subcontractors to name the hiring contractor as an Additional Insured on their CGL policy. This extends the subcontractor’s coverage to the general contractor for liability arising out of the subcontractor’s work.

• Waiver of Subrogation: Contractors may be required to secure a waiver of subrogation from subcontractors’ insurance policies. This prevents the subcontractor’s insurance carrier from seeking reimbursement from the general contractor’s policy after paying a claim.

• Certificates of Insurance (COIs): CGL policies typically mandate that the general contractor obtain and maintain current certificates of insurance from all subcontractors, proving that they carry the appropriate insurance before starting work.

If these requirements aren’t met, a general contractor’s insurance carrier may deny coverage for claims involving subcontractors, or the contractor may face increased premiums or even policy cancellation at renewal.

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What Workers’ Compensation Insurers Expect When Contractors Use Subcontractors

Workers’ Compensation carriers have their own concerns when it comes to subcontracting. Even though subcontractors may operate as independent businesses, Workers’ Compensation boards often look at the nature of the relationship between the contractor and subcontractor to determine if coverage is required.

To protect themselves and manage premium calculations accurately, Workers’ Comp insurers typically expect:

• Proof of Workers’ Compensation Coverage: Contractors are usually required to obtain certificates of Workers’ Compensation insurance from each subcontractor they hire. If a subcontractor does not carry their own coverage, the contractor could be liable for covering the sub’s employees under their own policy.

• Exemption Certificates: In cases where a subcontractor is a sole proprietor or operates as a one-person business with no employees, a Workers’ Comp exemption certificate may be required.

• Payroll Reporting for Subs Without Coverage: If a contractor uses uninsured subcontractors, most insurance carriers will include that sub’s payments in the general contractor’s payroll for premium calculations. This can lead to hefty audit adjustments and unexpected premium increases.

• Subcontractor Agreements: Workers’ Comp insurers often want to see clear, written subcontractor agreements in place, defining the independent relationship between the contractor and sub, and outlining responsibilities for insurance and job site safety.

Failing to adhere to these expectations can have significant financial consequences for contractors at audit time and in the event of a claim.

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BGES Group: Your Tri-State Contractors Insurance Specialist

At BGES Group, we specialize in protecting contractors in New York, New Jersey, and Connecticut. We understand the unique insurance challenges that contractors face — especially when it comes to working with subcontractors.

Our experienced team works with a network of top-rated insurance carriers to craft customized insurance programs designed specifically for contractors. Whether you’re a general contractor, subcontractor, artisan contractor, or specialty trade professional, we can help you secure the right coverage, navigate complex policy requirements, and avoid costly mistakes.

Some of the services we offer include:

• Commercial General Liability

• Workers’ Compensation

• Commercial Auto

• Umbrella / Excess Liability

• Certificates Management Assistance

• Risk Management Support

• Audit Preparation Guidance

We also educate our clients on the importance of obtaining proper certificates of insurance, additional insured endorsements, and waiver of subrogation provisions from all subcontractors — helping to keep your insurance program compliant and your business protected.

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Contact BGES Group Today

If you’re a contractor in the Tri-State area and you’re unsure whether your current insurance program properly addresses subcontractor exposures, or if you’d like a competitive quote from an agency that specializes in your industry — reach out to BGES Group today.

Contact Information:

• Gary Wallach

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

At BGES Group, we’ve got your back — so you can focus on building your business while we handle your insurance.