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How BGES Group Can Help New York Contractors Secure the Best General Liability Policy, With or Without Labor Law Coverage

When it comes to operating as a contractor in New York, having a comprehensive general liability insurance policy is crucial. Such coverage provides protection against various risks and potential liabilities. BGES Group, a trusted insurance agency, specializes in assisting New York contractors in obtaining the best general liability policies tailored to their specific needs. This article explores how BGES Group can help contractors navigate the complex world of insurance and obtain the most suitable policy, whether including or excluding labor law coverage.

Understanding General Liability Insurance

Before delving into BGES Group’s services, it’s essential to understand the basics of general liability insurance. This type of policy safeguards contractors against third-party claims arising from property damage, bodily injury, or personal injury. Accidents can occur on construction sites, and if contractors are held responsible, general liability insurance can cover legal expenses, medical costs, property damage, and settlements.

BGES Group: Tailoring Policies for New York Contractors

BGES Group is a reputable insurance agency with extensive experience in the New York construction industry. They possess in-depth knowledge of the specific insurance requirements and challenges faced by contractors in the state. BGES Group works closely with contractors to understand their unique circumstances, project types, and risk profiles, enabling them to tailor policies accordingly.

Inclusion of Labor Law Coverage

Labor law coverage is a crucial consideration for New York contractors due to the state’s strict regulations. Labor Law 240 and 241 impose substantial liability on contractors in cases of worksite accidents and injuries. Contractors seeking general liability policies that include labor law coverage can rely on BGES Group to help them navigate this specialized area. By working with multiple insurance carriers, BGES Group can provide contractors with policies that offer the appropriate level of protection against labor law-related claims.

Exclusion of Labor Law Coverage

While labor law coverage is essential for some contractors, others may prefer to exclude it from their general liability policies. Excluding labor law coverage can potentially reduce insurance costs. BGES Group understands that each contractor has unique risk tolerances and operational considerations. They can help contractors explore policies that exclude labor law coverage while ensuring they maintain adequate protection against other general liability risks.


BGES Group stands out as a valuable partner for New York contractors seeking the best general liability insurance policies. With their expertise in the construction industry and understanding of the state’s unique insurance requirements, they can guide contractors through the complexities of insurance selection. Whether contractors require policies that include or exclude labor law coverage, BGES Group is well-equipped to provide tailored solutions. By securing a comprehensive general liability policy, contractors can protect their businesses, projects, and reputation, allowing them to focus on what they do best—delivering exceptional construction services.

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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