construction insurance company

Lowering Insurance Premiums for New York Contractors with BGES Group

As New York contractors navigate the challenging landscape of business operations, managing insurance costs while maintaining comprehensive coverage becomes a priority. In this regard, the BGES Group emerges as a reliable partner, offering innovative solutions tailored to the specific needs of contractors in the tri-state area, encompassing New York, New Jersey, and Connecticut. With a diverse portfolio of specialized programs and partnerships with over 50 insurance companies, BGES Group empowers contractors to lower insurance premiums while ensuring top-tier protection across various aspects of their business.

1. Specialized Programs and Extensive Market Access

BGES Group’s distinction lies in its up to 10 specialized programs that cater to various contractor segments, making their insurance offerings highly customizable. This ensures that contractors receive coverage precisely tailored to their industry’s unique risks and requirements. Moreover, BGES Group’s extensive network of over 50 insurance companies allows them to market each contractor’s account to multiple providers, fostering competition and providing the best possible rates.

2. Comprehensive Coverage Options

BGES Group offers a comprehensive suite of insurance coverage options, guaranteeing New York contractors have the protection they need to operate confidently. Some of the key insurance lines offered by BGES Group include:

a. General Liability Insurance: Protecting contractors from third-party claims of bodily injury, property damage, or advertising injury arising during the course of their business operations.

b. Umbrella Liability Insurance: An additional layer of coverage that extends beyond the limits of primary liability policies, safeguarding contractors against catastrophic claims.

c. Business Auto Insurance: Tailored to meet the specific needs of contractor fleets, this insurance covers vehicles used for business purposes, shielding contractors from potential financial burdens resulting from accidents or damages.

d. Workers’ Compensation Insurance: Mandatory in New York, this insurance covers medical expenses and lost wages for employees injured on the job, mitigating legal risks for contractors.

e. NYS Disability Insurance: Protecting contractors and their employees from the financial impact of temporary disability, ensuring continued income during recovery periods.

f. Group Health Insurance: Attracting and retaining skilled employees is vital for any contractor, and BGES Group’s group health insurance options provide competitive benefits packages.

3. Workers’ Comp Premium Recovery

One of the unique offerings from BGES Group is their Workers’ Comp Premium Recovery program. This initiative helps contractors identify overpayments in workers’ compensation premiums for up to seven years. By conducting thorough audits and working with relevant authorities, BGES Group ensures that contractors receive the money they are owed, providing a significant financial boost to their businesses.  Amounts obtained on behalf of contractors have ranged from $20,000 to over $300,000.  This is a win win situation for a contractor and everyone should let us do this review for them.

4. Tri-State Coverage Expertise

With an intimate understanding of the tri-state area’s regulations and business environment, BGES Group is well-equipped to handle the insurance needs of contractors across New York, New Jersey, and Connecticut. This localized knowledge allows them to identify the most suitable coverage options and negotiate competitive premiums on behalf of their clients.


Navigating the complex insurance landscape is a challenging task for New York contractors, especially when striving to strike a balance between coverage adequacy and cost-effectiveness. The BGES Group, with its extensive market access, specialized programs, and deep understanding of the tri-state area, emerges as a prominent ally in this pursuit. By offering a wide array of insurance lines, including General Liability, Umbrella Liability, Business Auto, Workers’ Compensation, NYS Disability, Group Health, and Workers’ Comp Premium Recovery, BGES Group empowers contractors to secure robust protection while potentially lowering insurance premiums. As a dependable partner, BGES Group continues to support New York contractors in their growth and success within the tri-state area.

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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