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Eight Crucial Coverages for New York Contractors: Ensuring Comprehensive Protection with BGES Group

For New York contractors, having quality liability insurance policies is crucial to protect themselves from potential risks and liabilities that come with their line of work. In this article, we will discuss eight essential coverages that every contractor should make sure is included in their general and umbrella liability policies. Additionally, we will explore how BGES Group offers a wide range of tailored contractor liability insurance policies, using a network of 50 insurance companies plus ten of great programs to ensure contractors that come to us for help find better coverage at competitive pricing.


  1. Labor Law Coverage:

New York contractors should prioritize having labor law coverage in their liability policies. This protection is designed to safeguard contractors from potential legal liabilities arising from accidents or injuries sustained by employees while performing their duties. One claim can knock you out of business.  One claim can cause you unending aggravation for years.

  1. Contractual Liability:

Contractual liability coverage is another crucial aspect for contractors. It provides coverage for liabilities arising from contractual obligations, ensuring contractors are protected if they are held responsible for damages or losses incurred during a project. A lot of contractors sign contracts and don’t have the proper protection.  This can cost you hundreds, millions of dollars in uncovered claims and knock you out of business.  Do you need this headache?


  1. Blanket Additional Insured:

A blanket additional insured endorsement is essential for contractors as it extends coverage to other parties involved in a project, such as general contractors or property owners. This ensures that all parties working on a project are adequately protected.  A lot of contractors don’t have the proper protection.  They think they do, even their brokers think they do but they don’t.  You have to be very careful and know who and who isn’t covered.


  1. Blanket Waiver of Subrogation:

The blanket waiver of subrogation is an essential provision that prevents the insurer from seeking reimbursement from a third party for a claim paid to the insured. It helps contractors avoid costly legal disputes and potential delays in receiving compensation.  Again a lot of contractors don’t have the proper protection.  They think they do, even their brokers think they do but they don’t.  You have to be very careful and know who and who isn’t being covered.

  1. Primary and Non-Contributory Endorsement:

A primary and non-contributory endorsement is critical for contractors as it ensures their insurance policy takes precedence over any other policies held by other parties involved in a project. This endorsement helps minimize potential coverage gaps and conflicts.

  1. Per Project Aggregate:

Per project aggregate coverage is essential for contractors working on multiple projects simultaneously. This coverage allows contractors to have separate policy limits for each project, preventing one project’s claims from depleting the coverage for others.


  1. Proper Independent Contractor Liability Coverage:

Contractors must ensure they have the appropriate coverage for any independent contractors they hire. It is essential to watch out for hammer clauses and other warranties that may impose unnecessary restrictions or obligations.  Note: Failure to comply with policy conditions will leave a contractor without coverage for an independent contractors negligence?  Do you know how to screen your subs for the proper coverage?  There is a way.


  1. Coverage for the Type of Work:

Lastly, contractors should carefully review their policies to ensure they are adequately covered for the specific types of work they perform. Tailored coverage for specific risks and exposures is vital to protect against potential losses.  There is a form insurance companies include on policies which limits coverage.  You have to be aware of this form and if you are doing work that falls outside of it’s scope, that you bring it to your companies attention and get coverage.

BGES Group: Your Partner for Comprehensive New York Construction Insurance:

BGES Group specializes in providing New York contractors offering some if not all of the best liability programs. Collaborating with a network of 50 insurance companies, they offer a diverse range of coverage options to suit the unique needs of each contractor.  Unhappy with your coverage or pricing?  Feel your broker does not know what they are doing?  Call Gary Wallach at 914-806-5853 and receive help now!

Testimonials from BGES Group Clients:

  1. John D., General Contractor:

“I was struggling with finding comprehensive liability coverage at a reasonable price until I contacted BGES Group. Their team was highly professional and guided me through the process, helping me secure the best policy for my business. I highly recommend them!”

  1. Sarah M., Subcontractor:

“BGES Group truly understands the specific insurance needs of subcontractors. They provided me with tailored coverage that gave me peace of mind during my projects. I’m grateful for their excellent service and support!”

New York contractors face numerous risks and liabilities in their line of work, making comprehensive liability insurance essential. BGES Group stands out as a reliable partner, offering a wide range of specialized liability programs through their extensive network of insurance companies. Whether contractors are looking for better coverage or more competitive pricing, BGES Group is ready to provide expert guidance and support. Don’t hesitate to contact them to ensure your business is adequately protected in the dynamic construction industry.

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.

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 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 in, 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.

In addition, we offer all personal insurance coverages including home, auto, boat, jewelry, fine arts, life, disability, health and long-term care.  When was the last time you got a complete check up for all your coverage needs?   We are extremely caring and would love the chance to help you with your personal insurance needs.

BGES Group is an insurance agency whose owner is very responsible, responsive, offers boutique, very personal service and is ALWAYS there when you need him most!

We know reading an article we post or getting an email is not the best way to consider working with someone.  If you are interested, go read our “Google Reviews” and see what people have to say about us!  That can give you the comfort level needed to contact us.

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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