In the fast-paced, high-stakes world of New York construction, success depends not just on skill and grit but on knowing how to play the game. From the Bronx to Brooklyn, and all the way out to Long Island, contractors face a complex mix of regulations, client expectations, labor shortages, and financial risks. To thrive, you need more than a toolbelt and a blueprint—you need a mindset, a code. Think of this as your modern-day survival guide: the 10 Commandments of Being a New York Contractor.
1. Thou Shalt Know the Code—and Stay Ahead of It
New York’s building codes and safety regulations are among the most rigorous in the country. What passed inspection last year might fail today. As a contractor, it’s your job to stay informed, not just compliant. One missed update could cost you thousands in fines or delays. Know the code like the back of your hand—or partner with someone who does.
2. Thou Shalt Not Underestimate the Permit Process
Permits in New York can be a bureaucratic maze. You may face delays not just due to paperwork but also due to city backlogs, shifting zoning laws, and local objections. Always factor in time (and money) for permitting. Better yet, develop good relationships with permit expeditors and local officials to help speed things along.
3. Thou Shalt Prioritize Safety Every Day
OSHA fines, worker injuries, and lawsuits can cripple your business. Safety isn’t just a regulation—it’s a culture. Daily toolbox talks, proper PPE, and consistent training aren’t optional. In 2025, clients and GCs expect full transparency, including digital safety reports and certification tracking.
4. Thou Shalt Embrace Technology
From drones to digital blueprints to real-time project management apps, the modern job site is wired. Embracing construction tech not only improves efficiency but makes you more attractive to high-end clients and large developers. Refusing to innovate is a fast track to getting left behind.
5. Thou Shalt Respect the Labor Landscape
Labor shortages continue to plague the industry. Skilled tradespeople are in high demand, and keeping a reliable crew means paying fair wages, offering consistent hours, and maintaining a respectful job site. Your workforce is your greatest asset—treat them like it.
6. Thou Shalt Master the Art of Bidding
Low-balling can win you the job—but lose you the war. Smart contractors know how to bid accurately, price for contingencies, and communicate their value clearly. Clients in New York want competitive pricing, but they’re also looking for experience, dependability, and quality. Don’t sell yourself short.
7. Thou Shalt Communicate Like a Pro
New Yorkers are busy, blunt, and expect results yesterday. Whether you’re dealing with clients, architects, inspectors, or suppliers, clear and proactive communication is non-negotiable. Use project management tools to keep stakeholders in the loop and respond to issues quickly. One missed call could mean one lost client.
8. Thou Shalt Keep Records Holy
In a state where lawsuits are common and claims are costly, documentation is your best defense. Keep detailed records of contracts, change orders, inspections, and communications. Cloud-based systems and apps can help you stay organized and protected. If it’s not in writing, it didn’t happen.
9. Thou Shalt Protect Thy Business with Strong Insurance
New York is a litigious state with high stakes. General liability, workers’ compensation, commercial auto, equipment coverage—if you’re not properly insured, you’re rolling the dice every day. The cost of a lawsuit or injury claim can wipe out a small business in a heartbeat. Don’t gamble—get covered.
10. Thou Shalt Partner with Experts Who Have Your Back
Running a construction business in New York is hard enough without going it alone. Surround yourself with experts—accountants, legal counsel, and most importantly, a trusted insurance advisor who knows your business and your risks.
Enter BGES Group: Your Trusted Partner in Construction Insurance
That’s where BGES Group comes in. Based in Larchmont, NY, BGES Group specializes in helping New York contractors like you protect what you’ve worked so hard to build. With over 40 years of experience in the construction insurance space, they’re not just selling policies—they’re solving problems and safeguarding your business.
Led by Gary Wallach, BGES Group takes a hands-on, high-touch approach. They review your policies, identify gaps, and ensure you’re not overpaying—something all too common in today’s market. Many of their contractor clients have saved thousands, even recovered six-figure refunds from workers’ compensation audits.
BGES Group works with over 50 insurance carriers, allowing them to tailor coverage specific to your trade and your unique risk profile. Whether you’re a GC, electrician, plumber, mason, or roofer, they’ve got you covered with:
- General Liability
- Workers’ Compensation
- Commercial Auto
- Builder’s Risk
- Umbrella Policies
- Tools and Equipment Coverage
And unlike large, impersonal agencies, when you call BGES Group, you’re not routed to a call center. You get fast, personal service from real people who understand what’s at stake.
Contact BGES Group Today
Ready to put the right protection in place so you can focus on growing your business?
Call or Text: 914-806-5853
Email: bgesgroup@gmail.com
Address: 216A Larchmont Acres West, Larchmont, NY 10538
Website: www.bgesgroup.com
Final Word
Being a contractor in New York is not for the faint of heart. But with grit, a solid plan, and the right partners, you can rise above the chaos and build something great. Follow these 10 Commandments, lean on the experts, and you’ll be set up not just to survive—but to thrive.
Need help reviewing your insurance setup or finding a better deal? BGES Group is just a call away.