If you’re a New York contractor, you already know how unpredictable insurance renewals can be — especially in today’s market. Many contractors who thought they were “locked in” with a great deal last year are getting 10–20% or higher increases on their general liability insurance this year, even with no claims. If that happens to you, do you have a Plan B?
At BGES Group, we specialize in helping New York contractors — from GCs to subs — get the best liability insurance coverage at the most competitive rates available. Whether you’re a small residential contractor, a midsize commercial outfit, or a large-scale operation working on SCA, school, or municipal projects, our job is to make sure you’re covered properly and never overpaying.
Why You Need a “Plan B” for Your Contractor Liability Insurance
Insurance rates in New York’s construction market are going up. Many insurance companies are tightening their underwriting guidelines and raising prices even on clean accounts. That means your renewal might come with a surprise — a double-digit premium increase, higher deductibles, or more restrictive exclusions.
Some of the biggest issues we’re seeing right now include:
- Fewer carriers willing to write construction risks, especially in NYC.
- Blanket exclusions for residential work, roofing, or exterior operations.
- Reduced limits for additional insured endorsements.
- Delays in issuing certificates and endorsements that hold up job approvals.
- Carriers using claims trends to justify rate hikes — even if you’ve had no losses.
That’s why having a Plan B isn’t just smart — it’s essential. You need someone in your corner who knows the market, has access to specialty contractor insurance programs, and can deliver fast, reliable quotes from multiple top-rated carriers.
That’s where BGES Group comes in.
10 Ways BGES Group Helps New York Contractors Find Better Liability Insurance Coverage and Rates
1. We Shop the Entire Contractor Insurance Market for You
Most brokers only work with a handful of carriers. We work with dozens of construction-focused insurance companies, including both admitted and surplus lines markets. This gives you more options and better pricing. Whether you’re looking for general liability, excess liability, or contractor’s pollution coverage, we’ll find the right fit.
2. We Know New York Construction Inside and Out
Unlike many brokers who dabble in contractor insurance, BGES Group is 100% focused on New York, New Jersey, and Connecticut contractors. We understand city requirements, SCA and DOB compliance, and what’s needed to get on jobs fast. Our experience helps you avoid costly delays and coverage gaps.
3. We Handle Certificates and Endorsements Fast
You don’t have time to wait days for a certificate or a special wording request. Our service team handles certificate requests the same day — often within hours — so your insurance paperwork never holds up your job approvals or payments.
4. We Find Programs Tailored to Your Trade
We represent markets that specialize in specific trades — including carpenters, painters, electricians, plumbers, masons, roofers, and general contractors. That means your policy is built for your type of work, not a generic “contractor’s liability” policy that may not fit your operations.
5. We Help You Avoid Unnecessary Exclusions
Many cheap liability policies look good on paper but exclude what you actually do. We review your operations and make sure your policy includes the right coverages — such as completed operations, additional insured coverage, primary and noncontributory wording, and waiver of subrogation — all the things your clients demand.
6. We Have Access to Exclusive Contractor Insurance Programs
Because of our long-standing relationships with construction markets, BGES Group can access exclusive programs that most brokers can’t. These programs often include lower minimum premiums, better rates for good claims history, and broader forms that protect you better.
7. We’re Personal, Responsive, and Contractor-Focused
At BGES Group, you’re not just a policy number. You work directly with Gary Wallach, who has decades of experience helping New York contractors navigate insurance challenges. You get personal attention, fast answers, and real guidance when you need it. Contractors love that they can reach Gary directly — no call centers or layers of people.
8. We Review Contracts Before You Sign
Before you sign a subcontract or owner agreement, we’ll review the insurance requirements to make sure your policy complies — and that you’re not agreeing to something your carrier won’t cover. This saves contractors from expensive mistakes and job shutdowns later.
9. We Can Bundle Your Coverage for Additional Savings
Bundling your general liability, excess liability, workers compensation, and commercial auto under one coordinated program can often save thousands per year — and makes your insurance much easier to manage. BGES Group can put together a complete insurance package for your business.
10. We Help You Stay Audit-Ready and Organized
When your insurance company audits your payroll or subcontractor costs, things can get messy fast. BGES Group helps contractors stay organized, providing guidance on audit preparation, certificates of insurance, and subcontractor compliance, so you don’t end up paying thousands more than you should.
What Types of Contractors Does BGES Group Work With?
We serve all types of New York contractors, including:
- General Contractors (GCs)
- Subcontractors (interior/exterior)
- Masonry & Concrete Contractors
- Electricians & Plumbers
- Painters, Drywall & Flooring Companies
- Roofing Contractors
- HVAC & Mechanical Contractors
- Construction Managers
- Commercial and Residential Builders
No matter your size — from small two-person operations to large firms with dozens of employees — we have liability insurance solutions that fit your budget and your coverage needs.
What Makes BGES Group Different from Other Brokers
When you work with BGES Group, you get a partner who knows the New York construction insurance market inside and out. We’re proactive, not reactive. We don’t just wait for your renewal — we go out and find better options before your current carrier raises your rates.
We’re also known for being incredibly responsive and hands-on. When you call, you get Gary Wallach directly. When you need certificates, you get them same day. When you need advice, we explain things in plain English — not insurance jargon.
And because we specialize in contractor insurance, we know how to get you the coverage your clients demand without the unnecessary extras that inflate your premiums.
Don’t Wait Until Your Renewal Hits — Start Exploring Your Plan B Now
Too many contractors wait until their renewal is two weeks away to start shopping around. By then, it’s often too late to get the best deals. If you start early — 60 to 90 days before renewal — BGES Group can compare multiple programs, negotiate better pricing, and give you time to make a smart decision.
If your carrier surprises you with a 10–20% or higher rate increase, or your broker isn’t returning calls, now’s the perfect time to talk to us.
Contact BGES Group Today
BGES Group – Contractor Insurance Specialists
📞 Call or Text: (914) 806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com
Serving New York, New Jersey, and Connecticut contractors with expert guidance, fast service, and competitive contractor insurance programs.