In New York’s construction world, contractors face nonstop pressure — from keeping projects on time to managing rising costs and navigating complex insurance requirements. One mistake or coverage gap can cost thousands, even millions. That’s why more and more contractors are rethinking their insurance partners and turning to BGES Group, a specialist that truly understands New York’s construction industry and delivers protection that actually works.
Here are the top 10 insurance concerns New York contractors face — and how BGES Group helps them tackle each one.
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1. Skyrocketing Premiums and Limited Market Options
Over the past few years, insurance premiums for general liability, workers’ compensation, and excess liability have surged. Many carriers have tightened underwriting standards or exited the New York market altogether. Contractors are left scrambling for coverage — and some end up paying double what they did a few years ago.
How BGES Group helps:
BGES Group has deep relationships with multiple A-rated carriers that still actively write New York construction accounts. They know how to present contractors’ operations the right way to get competitive quotes where others can’t. Contractors often find that BGES Group can place coverage after several other brokers failed.
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2. Misclassification and Audit Nightmares
Many contractors discover at audit time that their policies were misclassified — resulting in surprise bills of tens of thousands of dollars. A simple coding error or failure to project payroll accurately can lead to a financial shock.
How BGES Group helps:
BGES Group reviews every classification code to make sure it reflects actual work performed. They educate clients about reporting payroll properly, ensuring there are no surprises at audit. Their proactive communication prevents the dreaded end-of-year “audit bomb.”
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3. Gaps in Additional Insured and Contractual Liability Coverage
General contractors and project owners demand specific additional insured endorsements, hold harmless wording, and waiver of subrogation clauses. If a subcontractor’s policy doesn’t match contract requirements exactly, it can lead to costly disputes or project delays.
How BGES Group helps:
BGES Group knows New York construction contracts inside and out. They make sure every endorsement — including CG 20 10, CG 20 37, and primary/noncontributory wording — is in place before the work starts. They don’t just sell a policy; they ensure it satisfies real-world contract obligations.
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4. Incomplete Completed Operations Coverage
Some contractors find out too late that their insurance doesn’t protect them for claims after a project is finished. In New York, where lawsuits can arise years after completion, this is a critical concern.
How BGES Group helps:
BGES Group ensures all policies include proper completed operations protection for the legally required duration. They also help contractors negotiate upstream agreements to make sure all required parties are covered as additional insureds on a completed operations basis. This forward-thinking approach gives long-term peace of mind.
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5. The Workers’ Compensation Crisis
Workers’ compensation remains one of the biggest headaches for New York contractors. Many have been non-renewed, classified as “high risk,” or placed into assigned-risk pools with sky-high rates.
How BGES Group helps:
BGES Group specializes in workers’ compensation — it’s one of their strongest areas. They understand the system, know how to get contractors out of assigned-risk pools, and can often secure quotes even for hard-to-place trades like roofers, framers, and scaffolders. Their expertise in this area has been a lifesaver for many businesses.
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6. Inadequate Umbrella and Excess Liability Coverage
Many contractors underestimate how much liability protection they need. With large jobsite exposures, serious injury claims, and New York’s strict Labor Law 240 (“Scaffold Law”), limits of $1 million are no longer sufficient.
How BGES Group helps:
BGES Group builds layered programs that include excess or umbrella coverage over general liability, auto, and workers’ comp. They identify cost-effective solutions that meet contractual limits — often $5 million or more — without breaking the budget. When excess markets decline, they have alternative solutions ready.
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7. Noncompliance with New York’s Labor Laws
Labor Laws 240 and 241 make contractors and property owners absolutely liable for gravity-related injuries. Many insurers avoid this exposure or add exclusions that leave contractors unprotected.
How BGES Group helps:
Because BGES Group works exclusively in the New York market, they know which carriers provide true Labor Law coverage — not watered-down versions. They review policy exclusions line by line to ensure contractors aren’t left exposed to multimillion-dollar lawsuits.
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8. Certificates of Insurance Delays
Every contractor knows the frustration of waiting days for a certificate of insurance just to get paid or start work. Many large agencies operate like factories — slow, impersonal, and overloaded.
How BGES Group helps:
BGES Group runs differently. They are hands-on, responsive, and personal. Certificates are usually issued the same day — often within hours. Contractors love that BGES Group treats their business as a priority, not a number in a corporate queue.
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9. Lack of Personalized Service and Guidance
Many contractors complain their previous agencies didn’t return calls, didn’t explain policy changes, or failed to follow through. In an industry where margins are tight and liability is massive, that lack of service can be disastrous.
How BGES Group helps:
BGES Group isn’t a “factory agency.” They take the time to understand each client’s business — its jobs, exposures, and goals. They don’t just place coverage; they act as trusted advisors. Contractors frequently say working with BGES Group feels like having an insurance department inside their company.
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10. Difficulty Getting Claims Handled Quickly and Fairly
When an accident happens, contractors need help fast. Many agencies disappear once the claim is filed, leaving clients to deal with adjusters on their own.
How BGES Group helps:
BGES Group stays involved from the first notice of loss through resolution. They help gather documentation, communicate with adjusters, and advocate for fair settlements. Their clients know they won’t be abandoned when things go wrong — BGES Group is there every step of the way.
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Why New York Contractors Are Turning to BGES Group
More and more contractors are discovering what sets BGES Group apart. They’re not a massive corporate agency where clients get passed around. They’re a specialized, highly experienced insurance team that knows New York construction inside and out.
Contractors appreciate how knowledgeable and proactive they are — always anticipating problems, negotiating better coverage, and securing policies that satisfy tough contract requirements. BGES Group’s ability to get hard-to-place accounts insured has earned them a loyal following across New York and beyond.
When a contractor says, “No one else could get me coverage,” BGES Group steps in and gets the job done. That reputation for results, integrity, and personal service is why they’re becoming one of the most trusted names in construction insurance.
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About BGES Group
BGES Group is a leading insurance specialist serving New York contractors and construction companies of all sizes. They provide comprehensive coverage solutions including general liability, workers’ compensation, excess liability, commercial auto, and more.
What makes BGES Group different is their hands-on service, deep expertise, and fast response. They take pride in helping contractors get the coverage they need — affordably and efficiently — even when others can’t.
For more information or a free consultation, contact:
📞 Gary Wallach
BGES Group
Workers’ Compensation & Construction Insurance Specialists
Phone: 914-806-5853 – Gary Wallach
Email: bgesgroup@gmail.com
Website: https://www.bgesgroup.com
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If you’re a New York contractor tired of high premiums, coverage gaps, or slow, factory-style agencies — call BGES Group. They know the challenges you face, and they know how to protect your business, profits, and future.