general contractors insurance new york

New York Contractor Liability Insurance: Labor Law Coverage and Contractual Liability Explained



For contractors operating in New York, understanding the intricacies of liability insurance and legal requirements is crucial for protecting their businesses and managing potential risks. In particular, two key aspects to consider are labor law coverage and contractual liability. In this article, we will delve into these topics, explaining their significance and highlighting the role of BGES Group in assisting contractors with their business insurance needs.


I. Labor Law Coverage:


New York State labor laws, particularly Sections 240 and 241 of the New York Labor Law, impose strict liability on contractors for workplace accidents involving certain types of hazardous activities. As a result, contractors are legally responsible for providing a safe working environment and can be held liable for injuries suffered by their employees or other workers on a construction site.


1. Understanding Labor Law 240 (the “Scaffold Law”):

Labor Law 240, commonly known as the Scaffold Law, imposes liability on contractors for gravity-related accidents, such as falls from heights or falling objects. This law places a significant burden on contractors, as they are held strictly liable for injuries resulting from inadequate safety equipment or failure to adhere to safety protocols.


2. Labor Law 241:

Under Labor Law 241, contractors are responsible for ensuring compliance with specific safety standards and regulations outlined by the New York State Industrial Code. Failure to meet these requirements can result in liability for accidents and injuries occurring on construction sites.


II. Contractual Liability:


In addition to labor law coverage, contractors must also consider contractual liability when procuring insurance coverage. This type of liability arises from contractual agreements between contractors, property owners, and other parties involved in a construction project.


1. Understanding Contractual Liability:

Contractual liability refers to the legal obligation imposed by a contract. Contractors often enter into agreements that outline their responsibilities, including indemnification clauses, hold-harmless agreements, and requirements for additional insured status. These contractual obligations can expose contractors to significant liability if they fail to fulfill their contractual duties.


III. BGES Group: Assisting Contractors with Business Insurance Needs:


BGES Group is a specialized insurance agency that understands the unique risks faced by contractors and provides tailored insurance solutions to meet their specific needs. Here’s how BGES Group can help:


1. Comprehensive Coverage:

BGES Group offers a wide range of insurance products, including general liability insurance, workers’ compensation insurance, commercial auto insurance, and professional liability insurance. These coverages are designed to protect contractors from the financial consequences of accidents, injuries, property damage, and lawsuits.


2. Expert Guidance:

With extensive knowledge of the New York construction industry and its insurance requirements, BGES Group provides expert guidance to contractors. They can assist in assessing risks, determining appropriate coverage limits, and ensuring compliance with relevant laws and regulations.


3. Customized Solutions:

BGES Group understands that each contractor’s insurance needs are unique. They work closely with contractors to develop customized insurance programs that address specific risks and concerns, providing peace of mind and financial protection.


4. Claims Support:

In the unfortunate event of a claim, BGES Group provides dedicated claims support to help contractors navigate the process effectively. They act as advocates for their clients, ensuring timely resolution and fair outcomes.




Contractors in New York face significant liability risks due to labor laws and contractual obligations. Understanding the nuances of labor law coverage and contractual liability is essential for protecting businesses and minimizing financial exposure. BGES Group serves as a valuable partner for contractors, offering specialized insurance solutions and expert guidance to meet their unique business insurance needs. By partnering with a trusted insurance agency like BGES Group, contractors can focus on their work with the confidence that their insurance requirements are being met efficiently and effectively.


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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Labor Law Coverage for New York Contractors

Contractual liability for New York Contractors

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