If you’re a contractor in New York, you already know how tough it is out there. The jobsite isn’t the only place where things can go sideways—insurance is another battleground. Liability claims, injured workers, confusing audits, ballooning premiums, policy cancellations, and surprise coverage gaps can all put your business at serious risk.
That’s why choosing the right insurance partner may be one of the most important business decisions you make.
If your current broker isn’t responsive, doesn’t specialize in construction, or you’re feeling like just another number in a big agency’s file cabinet—it’s time to consider better options.
So let’s start with the big question:
Are you looking for a new general liability or workers’ compensation policy?
If the answer is yes, read on.
5 Reasons Why Large, Factory-Style Insurance Agencies Can Hurt Your Business
Big-name agencies might look good on paper—flashy branding, national presence, long lists of carriers—but for small to mid-sized contractors, that shine can quickly wear off.
1. You’re Just a Number
Your account is likely handled by someone junior, and you rarely talk to the same person twice. These agencies are built for high volume, not relationships. Expect to be put on hold and passed around.
2. They Don’t Specialize in Construction
These agencies serve all industries, which means they often lack expertise in:
- NY labor law exposure
- Contractual insurance requirements
- Subcontractor risk
- Construction-specific endorsements
3. Minimal Support When Problems Arise
When an audit dispute, denied claim, or cancellation notice hits, don’t expect a rescue. Most big firms won’t go to bat for you. You’re left to fend for yourself.
4. Limited Options for High-Risk Contractors
Have claims? Do demo or structural work? High payroll? Big firms often push you into expensive assigned risk pools—or walk away entirely.
5. One-Size-Fits-All Approach
Big agencies rely on templates. You may get a policy, but it might not include:
- Proper additional insured wording
- Coverage for completed operations
- Protection against subcontractor-related lawsuits
The result? You’re dangerously exposed.
5 Reasons Why BGES Group Is the Right Fit for New York Contractors
At BGES Group, we’re different. We’re a boutique construction insurance firm with decades of experience protecting contractors like you.
Here’s why contractors across NY, NJ, and CT are making the switch:
1. We Specialize in Construction Insurance
This is all we do. We understand:
- Labor law exposure
- Contract review
- Subcontractor risk transfer
- Coverage nuances specific to your trade
No fluff. No guesswork. Just expert guidance that protects your business.
2. Personalized, Hands-On Service
You’ll work directly with Gary Wallach, a 40+ year industry veteran. No call centers. No account shuffling. You get:
- Direct access
- Prompt responses
- An advocate who treats your business like his own
3. Access to Competitive Markets—Even for Tough Risks
We find solutions where others don’t. Whether you:
- Were turned down by another broker
- Are stuck in assigned risk
- Got hit with sky-high premiums
—we can help. We have markets other agencies don’t.
4. Support With Certificates, Audits & Claims
- Need a cert at 6 AM? Done.
- Trouble with an audit? We’ll help.
- Claim issue? We deal with the adjusters for you.
You’ll never feel alone when issues arise. We’ve got your back—every time.
5. We Help You Build a Long-Term Strategy
We don’t just sell policies. We help you:
- Reduce long-term costs
- Eliminate coverage gaps
- Improve your insurance profile
- Review contracts and structure proper agreements
Our goal: a safer, smarter future for your business.
Contractors, Let’s Talk
Whether your policy is up for renewal, you’re facing non-renewal, stuck in the assigned risk pool, or just want a better experience—we’re here to help.
We can usually:
- Save you money
- Improve your coverage
- Give you peace of mind
Contact BGES Group Today
Gary Wallach
📞 Phone: 914-806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com
We proudly serve New York, New Jersey, and Connecticut
We also have a trusted associate who serves contractors nationwide
Final Word: Don’t Let Insurance Be Your Weakest Link
Too many contractors only discover issues after a claim—when it’s too late.
- The coverage was wrong
- The certificate didn’t meet job requirements
- The broker didn’t back them up
Don’t let that be your story.
Partner with a team that lives and breathes construction insurance.
Partner with BGES Group.
Let’s get your liability and workers’ comp coverage working for you—not against you.
Call today.