Gray Wallach

NY, NJ, CT Contractors – Unhappy With Your General & Umbrella Liability, Auto, Workers Comp, Bond Rates or Coverage? We are one of Tri-States Top Construction Specialists and Have 50 Companies to Market Your Account To. More Options Equal Lower Rates, Better Coverage!

Gray Wallach

Have The Following Problems With Your Insurance:

  1. Unhappy with your General Liability pricing?

  2. Does your General Liability Policy prevent you from getting work?

  3. Do you understand the exclusions in your General Liability Policy?  Some are:

    1.   A. Labor Law

    2. Contractual liability

    3. Employee injury

    4. Height limitation

    5. Exterior work limitation or exclusion

    6. Residential exclusion for condo’s, co-ops

    7. Restriction as to type of work you can do

    8. Subcontractor coverage and limit requirements.

    9. Exclusion – Designated Ongoing Operations

    10. Exclusion – Newly Constructed Residential Housing

   4.  Do you use subcontractors?  If so, are there subcontractor coverage requirements in your general and umbrella liability policies?  WARNING!  Failure to comply with requirements can leave you without coverage.

   5.  Has your Umbrella Liability pricing gone thru the roof?  Does your policy have exclusions that make it very difficult to live with?

   6. Worker’s Compensation

        a. Rates high?  There are a few companies whose rates are 20-40% higher than our companies.  Call Gary at 914-806-5853 to find out if you are with one of them (we are not comfortable listing there names but are glad to tell you over the phone).

        b. Work out of state 3 days to weeks at a time? Warning!  You may not have coverage for workers injured out of state (especially if you are thru a state or assigned risk policy). ​

        c. In the middle of an audit dispute?  Carrier charging you for uninsured subcontractors that have coverage?  Carrier creating fictitious payroll because of sales?  Being told pay bill or be cancelled?   Have a high experience modification factor?

       d. Being punitively surcharged due to past loss experience?     

       e. Without coverage? 

      7.  Unhappy with your Business Auto premium?   Certain carrier rates are thru the roof.  Other companies are more reasonable.  We can help you find better rates.

      8.  Unhappy with your Bid & Performance rates?   Need higher bonding limits?  We have a bonding department that can help you get better pricing and limits.

      9. Can you get your broker on the phone when needed?  Does he/she specialize in construction insurance?  Does it feel like you are dealing with inexperienced people?  Do you get a different person on the phone when you call?  Do you get placed on hold for minutes?   Do you get charged all sorts of ridiculous fees?   Do you get certificates timely?  Your broker may be the nicest person in the world but if they lack the proper knowledge you can get stuck with an uncovered claim that can knock you out of business.   After talking to your broker you ever have these type of concerns?


About our Agency:


1. Construction is our #1 specialty.  With the exclusions companies place in policies it is critical you work with a specialist.  Most agencies are NOT, we are.

2. We have 50+ insurance companies.  These companies are the TOP and BEST general liability, umbrella liability, auto, bid & performance bond, worker’s compensation and group health companies for the construction industry. Some programs are exclusive to our agency.

3. We insure over 750 tri-state contractors.  We have extensive expertise in designing policies.

4. We do over $160 million in premium – this translates into buying power for YOU.

5. Subcontractor Screening – Most general and umbrella liability policies have subcontractor conditions which if not met exclude coverage.  Do you know what is in your policies?  We have a dedicated department that offers subcontractor screening and you can get us on the phone when needed.

Services We Offer:

  1. Annual Risk Survey

  2. Claims Management Services

  3. Contract Reviews

  4. Coordinated Loss Control Survey and Inspection

  5. Disaster Recovery

  6. Employee Background Screening

  7. OSHA Compliance

  8. Risk Transfer Services

  9. Safety Manuals

  10. Stewardship Reports

  11. Subshield – online proprietary Certificate of Insurance management

  12. Workers’ Comp Experience Modification Review

  13. Workers’ Compensation Premium Recovery

OFFER:  Let us review your policies. All you will have to do is email us copies.  Within a few days you’ll have our recommendations.  Then you’ll know where you stand.   It’s like getting a FREE second opinion.  You can also just call and talk with us.  Call Gary Wallach at 914-806-5853.  You will immediately get him on the phone without waiting.  WE PROMISE NOT TO SELL OR PRESSURE YOU IN ANYWAY. 

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Funding for the Construction Industry, Worker’s Compensation, New York State Disability, Group Health, Life insurance and Personal lines.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer mechanisms.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors:  We have a fiercely competitively priced (savings up to 50%)  General Liability, Umbrella Liability, Business Auto, Workers Compensation program.  Want to lower these costs?  Get a quote today!

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. or

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538


© – Copyright – BGES Group

Posted in Uncategorized.

Leave a Reply

Your email address will not be published. Required fields are marked *