construction insurance

Contractors – Get a Check Up on Your Business Insurance from One of New York’s Construction Insurance Specialists

When was the last time you got a second opinion about your Property, Contractor Liability, Umbrella Liability, Business Auto, Workers’ Compensation, N.Y.S. Disability or Group Health insurance?

Does your broker keep renewing your policies with the same companies who for some reason always want to increase your rates 5% to 10%+ or does he/she obtain alternative quotes from other insurance companies every 2-3 years?

Are you certain your liability policies cover you for the work you do?  Each year insurance companies add more and more restrictions to their policies.  It is really important you understand what you are and aren’t covered for. BUYER BEWARE! Most insurance brokers DO NOT understand the contract wording of the policies they sell you.  Most of their agency customer service representatives DO NOT understand the contract wording of the policies they sell you.  A lot of agencies when the policies are issued DO NOT check them for mistakes!  For what you pay for insurance, you deserve a “Medal of Courage” all kidding aside GREAT care!

During the last few years’ insurance companies have tightened up on covering contractor subcontractors.  If your subs do not carry the proper coverage your policy will not cover   claims caused by them.  Do your subcontractors carry the right coverage, limits, do they have all the forms your company wants them to have and do you do annual checks to make sure they do?  This is a very tricky area.  What we are seeing is most subcontractors DO NOT carry the right coverage therefore MOST contractors are exposed to uncovered subcontractor caused claims.  We are talking big bucks here!

Ever sign a contract that requires you to list 3 to 10 additional insured’s for liability coverage?   Think they are covered because your agency lists them on a certificate of insurance?  Insurance companies have changed their blanket additional insured form where some only cover the party IF they have a written signed contract with the contractor.  The rest may not be covered.   Doesn’t matter if your agency issued a certificate of insurance with everyone listed.  Your insurance company will only cover what their contract says it will cover!

The owner of BGES Group, Gary Wallach, has been insuring contractors since 1981.  He has a level of expertise that goes far beyond what most other agencies offer.  He is an old timer and is there to help day or evening whenever you need him most.  He doesn’t have an answering machine and picks up his phone when you call.  He responds to emails and texts in minutes.  He issues certificates of insurance in minutes.  He is an encyclopedia of knowledge  and is really easy to work with.  He’s pleasant, helpful, trustworthy, a hustler and he gets jobs done that others don’t.

If you are not happy with what you pay for your insurance or would like a check up, second opinion on what you have, contact Gary Wallach at 914-806-5853 or email

Here’s is What People Think About BGES Group:

Sarah S.

Gary is a considerate and honest guy. I have nothing but respect for him and 5 stars isn’t enough.

Nick S.

Over 20 years of excellent relationship that has met all our insurance needs.

Steve S.

My previous Workers Comp insurer was always trying to reclassify employees to put them in higher risk groups to raise the premium (despite no claims in over 5 years). Broker at the time wasn’t helping. Gary was recommended by a friend and did a phenomenal job. Found new insurer for less money who then, a year later, further reduced premium after the audit! I’m now paying 40% less than I used to and only 1/4 of what my old insurer wanted to jack the rate to.


Gary is a great, responsible, professional…someone you can rely on. I would highly recommend him.

George K.

Since I transferred my insurance policy to BGES Group I have saved a lot on the rates and service is a first class. Always get immediate response to all my needs. It’s a A Plus from me.

Elena E.

My broker, Gary Wallach, is the BEST!  He’s professional and a pleasure to deal with. Always has the answers for me and is quick to respond to my emails and phone calls. This is one reason I remain a loyal BGES Group customer. Good Rates on all my insurance needs too!

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are there to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, 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. Program takes the hassle out of doing annual audits too.

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

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



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