As a contractor in New York, navigating the maze of liability insurance and workers’ compensation coverage can feel overwhelming. With rising costs, legal requirements, and a multitude of providers, finding the right coverage at the right price is essential to your business’s success and compliance. But are you aware of all your options? Understanding how to optimize your insurance program could mean substantial savings and enhanced protection for your business.
That’s where BGES Group comes in. As New York construction insurance specialists, we’re dedicated to helping contractors like you find better coverage and reduce costs. Whether you’re a general contractor, subcontractor, or business owner in construction-related fields, our team is here to guide you through your options and tailor solutions to meet your needs.
Why Reassess Your Insurance Coverage?
The construction industry is inherently risky, and the insurance market is constantly changing. Recent trends have made obtaining affordable, comprehensive coverage more challenging than ever. Rising liability claims, labor laws such as New York Labor Law 240 and 241, and market exits by major insurers have left many contractors searching for alternatives.
By reassessing your insurance program, you can:
• Ensure compliance with legal requirements.
• Protect yourself from lawsuits and financial ruin.
• Potentially reduce premium costs.
• Gain access to better coverage through specialized programs.
How BGES Group Can Help New York Contractors
At BGES Group, we understand the unique challenges New York contractors face when it comes to insurance. As industry experts, we specialize in providing comprehensive workers’ compensation insurance and general liability insurance for contractors.
Here’s how we can help:
1. We Offer Four Workers’ Compensation Programs
No matter your business size or needs, we have a program that works for you:
• Standalone Workers’ Compensation Policies: Ideal for contractors who want a straightforward solution to meet state requirements.
• Payroll Workers’ Compensation Policies: Simplify your operations with pay-as-you-go workers’ comp tied to your payroll.
• Comprehensive Programs: Combine workers’ compensation, payroll services, and group health benefits into one seamless package.
• State Programs: For those eligible, we help you access state-run workers’ compensation options.
We also work with a few new companies offering competitive rates, so you’ll always have access to the best options available.
2. Specialized Liability Coverage for Contractors
Our expertise in construction liability insurance ensures you get the protection you need, including:
• General Liability Insurance: Protects your business from third-party claims involving bodily injury or property damage.
• Umbrella Liability Policies: Offers additional coverage to safeguard your business from catastrophic losses.
With labor laws and high litigation risks, having the right liability coverage is critical for protecting your bottom line.
3. Access to New Insurance Markets
We stay ahead of the curve by working with new and emerging insurance providers offering competitive rates. This ensures you have access to the latest and most cost-effective solutions in the market.
4. Custom Solutions Tailored to Your Needs
Every contractor’s needs are different. We take the time to assess your business and recommend a customized insurance program that aligns with your risk profile, operations, and budget.
5. Boutique-Like Service with a Focus on Savings
We pride ourselves on delivering personalized, boutique-style service. Unlike large agencies, we give you direct access to experienced professionals who understand New York’s construction insurance market inside and out. Our goal is to help you save money while improving your coverage.
Why Choose BGES Group?
BGES Group has earned a reputation as one of New York’s leading providers of construction insurance solutions. Our expertise, extensive market access, and commitment to customer satisfaction make us the go-to partner for contractors looking to secure better coverage at competitive rates.
What Sets Us Apart?
• Over 44 of experience in the construction insurance industry.
• Tailored insurance programs designed for New York contractors.
• Access to multiple carriers, including those offering new and competitive rates.
• Focused expertise in high-risk industries, including roofing, demolition, and asbestos.
Contact Us Today
If you’re a New York contractor looking to explore your options for workers’ compensation insurance, liability coverage, or a combination of services, BGES Group is here to help.
Call or email us today to get started:
• Gary Wallach
• Phone: 914-806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com
Take control of your insurance program and ensure your business is fully protected while saving on costs. Contact BGES Group today and experience the difference of working with New York construction insurance specialists!