If you’re a contractor in New York, there’s a good chance you’ve asked yourself this question lately: “Is my insurance agency giving me the service I deserve?” If the answer is no, you’re not alone. Across the construction industry, more and more contractors are expressing frustration with the poor service they’re receiving from their insurance agencies.
And it’s not just a small annoyance—it can lead to serious problems for your business. Delayed responses, lack of support, and poor communication can mean missed deadlines, coverage issues, and unnecessary stress. If your agency treats you like just another policy number, it’s time to re-evaluate your insurance partner.
Let’s break down the top 10 reasons why today’s insurance agencies are failing contractors—and how BGES Group, one of New York’s construction insurance specialists, does things completely differently.
10 Ways Insurance Agencies Are Letting Down New York Contractors
1. You Can’t Reach Anyone When You Need Help
You’ve got a job site issue, and time is money—but when you call your insurance agency, you’re met with endless hold times, voicemail loops, or unreturned calls. In the construction business, that’s unacceptable.
2. Constant Employee Turnover
Just when someone at your agency starts to understand your business, they’re gone. You’re constantly being handed off to someone new who doesn’t know your policies, your history, or your needs.
3. They Never Remarket Your Insurance Policies
Loyalty is a two-way street. You stay with your agency for years, but they never shop your policies to find better coverage or lower rates. That means you could be overpaying year after year.
4. They Charge Ridiculous Extra Policy Fees
Some agencies tack on administrative or broker fees that seem to come out of nowhere—often hundreds of dollars. These fees aren’t necessary, and you shouldn’t have to pay them.
5. They Don’t Understand the Construction Industry
General insurance knowledge isn’t enough. You need an agency that knows about general liability insurance for contractors, workers compensation, commercial auto insurance, umbrella policies, OCIP/CCIP programs, and more.
6. Zero Help With Claims
When something goes wrong, that’s when your agency should step up. But too often, contractors are left to handle claims on their own—with little guidance or advocacy from their broker.
7. Sloppy Paperwork and Delays
Need a certificate of insurance for a job? You shouldn’t have to wait two days to get it. Unfortunately, many agencies drag their feet, which can delay your projects and hurt your reputation.
8. Poor Policy Reviews and Risk Management Guidance
Most agencies just sell you a policy and disappear until renewal. There’s no proactive advice, no review of your coverage, and no support to help lower your risks or premiums.
9. One-Size-Fits-All Approach
Your construction business is unique. You need customized coverage, not cookie-cutter policies. Many agencies don’t take the time to tailor protection to your business.
10. They’re Just Not Available
In construction, things happen fast—and at all hours. But most agencies are only reachable during strict office hours. If you need something after 4:30 p.m. or on a weekend, you’re out of luck.
The BGES Group Difference: Construction Insurance the Way It Should Be
At BGES Group, we’ve heard all the horror stories—and we’ve built our agency to be the opposite of what the insurance industry has become.
We specialize in insurance for New York contractors. Whether you’re a general contractor, electrical contractor, plumber, masonry contractor, or roofing company, we understand your business—and we know what coverage you need to stay protected, competitive, and compliant.
Here’s What Makes BGES Group Different:
✅ We Answer Our Phones – No phone trees. No voicemail black holes. When you call us, you speak to a real person who knows your account.
✅ Personal, Mom-and-Pop Style Service – We treat our clients like family. You’ll know us by name, and we’ll know yours. That’s how insurance should be.
✅ No Ridiculous Extra Policy Fees – We don’t believe in nickel-and-diming our clients. With BGES Group, what you see is what you get.
✅ Proactive Policy Reviews and Marketing – Every year, we re-shop your insurance to make sure you’re getting the best rates and coverage available. You’ll never be left in the dark.
✅ Fast Turnaround on Certificates – Need a COI in a hurry? We usually turn them around in 15 minutes or less—because we know your jobs depend on it.
✅ Construction Insurance Specialists – We live and breathe contractor insurance. From liability insurance to NY State workers comp to commercial auto policies, we’ve got you covered.
✅ Help With Claims – We don’t disappear when things go wrong. We walk you through the claims process, step-by-step, to make sure you get the support you need.
✅ Long-Term Stability – Our team doesn’t turn over every few months. We’re here for the long haul, so you can count on consistency and experience.
✅ Flexible Hours – We’re available when others aren’t. Whether you call early in the morning or late at night, we’re ready to help.
✅ Trusted by Hundreds of New York Contractors – Contractors all across New York have made the switch to BGES Group—and they’re glad they did.
Don’t Let a Lousy Insurance Agency Hold Your Business Back
If you’re frustrated with your current agency, you don’t have to settle. There’s a better way to do insurance—one that puts you, the contractor, first.
At BGES Group, we’re not some big-box insurance firm that treats you like a number. We’re your partner, your advocate, and your go-to team when it comes to New York contractor insurance.
Whether you’re looking for general liability, workers compensation, tools and equipment coverage, excess liability, or just a broker who actually picks up the phone, we’re here to help.
Ready to Experience Better?
Contact BGES Group today and discover why we’re one of New York’s most trusted construction insurance brokers.
Contact: Gary Wallach
Phone #: 914-806-5853
📧 Email: bgesgroup@gmail.com
Website: www.bgesgroup.com
📍 Serving contractors throughout New York, including NYC, Brooklyn, Queens, the Bronx, Long Island, Westchester, and beyond.
Bottom Line:
If your current agency doesn’t feel like a true business partner, it’s time to talk to someone who gets it. At BGES Group, we’re proud to offer the kind of old-school, dependable service that’s hard to find these days.