If you’re a New York contractor who feels frustrated, overcharged, or ignored by your current insurance agency, you’re not alone. Many contractors across NYC, Westchester, Long Island, and the Hudson Valley share the same complaints: slow response times, confusing policies, surprise audits, skyrocketing premiums, and agencies that don’t truly understand the construction business.
Insurance for contractors isn’t just paperwork—it’s protection for your livelihood. One mistake, one uncovered claim, or one compliance issue can shut down a job site or cost you thousands of dollars. Yet too many agencies treat contractors like generic business accounts instead of what they really are: high-risk, high-responsibility professionals who need specialized guidance.
That’s why more New York contractors are turning to BGES Group.
BGES Group is not a call-center brokerage or a “one-size-fits-all” insurance shop. It’s a contractor-focused agency built around understanding how construction really works in New York—union and non-union payroll, class codes, certificates of insurance, additional insured endorsements, job-specific requirements, and audit defense.
If you are unhappy with your current insurance agency, now is the time to make a change. Here’s why BGES Group stands apart—and why contractors who switch rarely go back.
10 Reasons BGES Group Is Better Than Most Other Insurance Agencies
1. They Specialize in Contractors—Not Just Businesses
Many agencies insure restaurants one day and electricians the next. BGES Group focuses heavily on construction and contractor risk. They understand trades like drywall, concrete, carpentry, electrical, plumbing, roofing, and general contracting. This specialization means your policy is structured correctly from day one.
2. They Know New York’s Unique Insurance Environment
New York is one of the toughest states in the country for contractors. Labor Law 240/241 exposure, strict additional insured requirements, OCIP/CCIP projects, and aggressive workers’ comp audits make insurance more complex here than almost anywhere else. BGES Group works in this environment every day and knows how to keep contractors compliant and protected.
3. They Fight Overclassification and Overpayment
One of the biggest reasons contractors overpay is misclassification of payroll and operations. BGES Group reviews your class codes carefully to ensure you’re not being charged for risks you don’t actually perform. Over time, this alone can save contractors tens of thousands of dollars.
4. Fast Certificates of Insurance (COIs)
Nothing stops a job faster than a missing or incorrect COI. BGES Group understands how critical speed is on job sites. They provide accurate certificates quickly, with the correct additional insured language required by owners, GCs, and municipalities.
5. Clear Explanations—No Insurance Jargon
Many contractors sign policies they don’t fully understand. BGES Group takes time to explain coverage in plain English:
- What is covered
- What is excluded
- What limits you really need
- Where your biggest risks are
You don’t just get a policy—you get clarity.
6. Audit Support and Guidance
Workers’ compensation audits are one of the most stressful parts of running a contracting business. BGES Group helps contractors prepare for audits, organize records, and challenge incorrect findings. Instead of being alone against the carrier, you have an advocate.
7. Custom Coverage for Real Job Conditions
BGES Group doesn’t just sell standard policies. They tailor coverage for:
- Off-premises exposure
- Excess liability requirements
- OCIP/CCIP gaps
- Subcontractor risk
- High-limit contracts
- Special endorsements
This means fewer surprises when a claim occurs.
8. Relationships with Strong Carriers
BGES Group works with insurance companies that understand construction risk, not just cheap carriers with poor claims handling. This matters when something goes wrong. The right carrier can mean the difference between a smooth claim and months of fighting.
9. Personal Service—Not a Call Center
When you call BGES Group, you speak with someone who knows your account. You’re not routed through endless menus or shuffled between departments. Contractors appreciate having a real relationship with their insurance advisor, especially when deadlines and contracts are on the line.
10. They Care About Your Business Growth
BGES Group doesn’t just insure contractors—they help them grow safely. As your business expands, they adjust coverage to match your payroll, new job types, and contract requirements. Their goal is to help you qualify for better projects, larger contracts, and stronger financial stability.
The Cost of Staying with the Wrong Agency
Staying with the wrong insurance agency can cost you far more than just higher premiums. It can lead to:
- Denied claims
- Contract non-compliance
- Job shutdowns
- Unexpected audit bills
- Lawsuits without proper protection
- Loss of future business opportunities
In today’s construction environment, insurance is part of your competitive advantage. Owners and general contractors want to work with firms that are properly insured, responsive, and professional. BGES Group helps you present yourself that way.
A Better Experience for New York Contractors
Contractors who move to BGES Group often say the same thing: “I finally understand my insurance.” “They actually return my calls.” “They caught problems my old agent never mentioned.” “I’m paying for what I need, not what I don’t.”
That difference isn’t accidental. It comes from years of working directly with contractors and knowing that your time, money, and reputation are all on the line.
If your current agency feels distant, slow, or careless, it’s time to rethink who is protecting your business.
Take the First Step Today
Switching insurance agencies doesn’t have to be complicated. BGES Group can review your current policies, explain what you have, identify gaps or savings opportunities, and propose a better structure—without pressure and without confusion.
Your business deserves an agency that works as hard as you do.
Contact BGES Group
Gary Wallach
📞 914-806-5853
If you are a New York contractor who is unhappy with your insurance agency, make the call that could protect your future. Call BGES Group today—and finally get the insurance partner your business deserves.