Running a contracting business in New York is no easy task. Between juggling projects, managing employees, and keeping up with regulations, it’s easy to let insurance renewals slide by without much thought. But overlooking your insurance review can cost you thousands of dollars—and leave your business exposed.
At BGES Group, we specialize in helping New York contractors like you navigate liability, workers’ compensation, and commercial auto insurance. Below, we’ll walk you through 5 reasons you shouldn’t let your liability or workers’ compensation policies renew without a BGES review, 5 reasons you should let us review your auto insurance, and 5 reasons our service outshines most other agencies.
5 Reasons You Shouldn’t Let Liability Insurance Renew Without a BGES Group Review
- Hidden Gaps in Coverage
Many liability policies exclude subcontractor work, residential projects, or specific trades. BGES knows where the gaps hide and how to fix them before a claim hits. - Excessive Premiums
New York contractors are among the highest-rated in the country. BGES compares carriers and programs daily, ensuring you aren’t overpaying for the same protection. - Incomplete Additional Insured Endorsements
General contractors and project owners demand broad coverage. Without proper endorsements, your certificate may not comply—and you risk losing work. - Outdated Limits
Project requirements evolve. BGES reviews whether your current liability limits meet today’s job specifications, avoiding last-minute panic before a bid or renewal. - No Strategy for Future Renewals
Most agents treat renewal as a yearly transaction. At BGES, we help you plan for renewals months in advance, so you aren’t stuck with last-minute surprises.
5 Reasons You Shouldn’t Let Workers’ Compensation Renew Without a BGES Group Review
- Misclassified Payroll
Contractors frequently get hit with the wrong class codes. A single misclassification can double your premium. BGES catches and corrects errors. - Audit Headaches
New York audits can be brutal. BGES knows how to prepare you, defend disputes, and eliminate unnecessary charges. - No Coverage for Out-of-State Work
If you ever send crews to New Jersey, Connecticut, or beyond, you could be uninsured. BGES ensures your policy complies wherever you operate. - Excluded Owners or Partners
Many contractors unknowingly leave owners exposed. BGES confirms whether you’re covered when you step on-site. - Missed Discounts
Workers’ comp is not one-size-fits-all. BGES identifies programs, credits, and group plans that other agents often overlook.
5 Reasons You Should Let BGES Group Review Your Commercial Auto Insurance
- Soaring Premiums
Auto rates in New York have skyrocketed. BGES actively markets your account to keep premiums under control. - Improperly Rated Vehicles
Work vans and pickups often get rated incorrectly. BGES ensures vehicles are classified properly to avoid inflated costs. - Driver Exclusions
One uninsured driver can shut down your job. BGES helps verify all employees are properly listed and cleared to drive. - Lack of Hired/Non-Owned Coverage
If employees use their own vehicles for work, you may be exposed. BGES ensures your policy includes this critical protection. - Umbrella Coordination
Auto coverage must line up with your liability and umbrella policies. BGES ensures no gaps exist between them.
5 Reasons BGES Group’s Service Beats Most Agencies
- Direct Access to Experts
You don’t get shuffled to voicemail. Call BGES and you speak directly with someone who understands New York contractors. - Lightning-Fast Certificates
We issue certificates in minutes, not days, so you never lose out on a job waiting for paperwork. - Street-Smart Problem Solvers
We’ve been through it all—audits, claims disputes, compliance headaches. Our team knows how to get problems solved quickly. - Proactive, Not Reactive
Most agencies react when there’s a problem. BGES anticipates issues before they affect your business. - Family-Owned, Contractor-Focused
We’re not a call center. We’re a dedicated, independent agency built around helping contractors succeed in one of the toughest markets in the country.
Final Word: Don’t Leave Renewal to Chance
Insurance isn’t just paperwork—it’s the backbone that protects your contracting business, your employees, and your future. Renewing without a review can cost you dearly in premiums, compliance, and uncovered claims.
BGES Group has built its reputation on helping New York contractors stay properly protected while controlling costs. If your liability, workers’ comp, or auto insurance is coming up for renewal, now’s the time to let us review your coverage.
Contact BGES Group Today
📍 BGES Group
Specialists in New York Construction Insurance & Workers’ Compensation
📞 Gary Wallach – 914-806-5853