If you’re a New York contractor, you already know how expensive, complicated, and frustrating it can be to find the right general liability insurance policy. Whether you’re just starting out or have years of experience under your belt, the last thing you want is to be paying too much for a policy that doesn’t truly protect you when it counts.
At BGES Group, we specialize in working exclusively with contractors—from general contractors to subcontractors in all trades—and we understand the unique challenges you face in New York and throughout the Tri-State area. We help contractors get better coverage, save thousands of dollars, and avoid the traps that put so many companies at risk.
If you’re in the market for a new general liability policy, here are 10 compelling reasons why your next call should be to BGES Group.
⸻
1. We Specialize in Contractor Insurance — That’s All We Do
You wouldn’t hire a plumber to wire your house. So why trust your contractor insurance to a generalist? At BGES Group, we focus 100% on contractors, which means we know the ins and outs of general liability, workers’ comp, and umbrella policies tailored specifically for the construction industry.
⸻
2. We Know the New York Insurance Market Cold
New York is one of the toughest states for contractor insurance. Between Labor Law 240/241 claims, action-over exclusions, and strict certificate requirements from general contractors and building owners, it’s easy to make a mistake that costs you big. We understand the regulatory environment and know how to protect you from the most common—and most devastating—mistakes.
⸻
3. We Help You Avoid Dangerous Exclusions
Did you know that many contractor policies exclude:
• Employee injury claims
• Action-over lawsuits
• Coverage for subcontracted work
• Leased or temporary employees
One uncovered claim could put you out of business. We read every policy we offer and make sure you’re covered for the real-world risks you face on the job site.
⸻
4. We Can Save You Thousands in Premiums
We regularly help contractors save $5,000, $10,000, or more a year by placing them in better-fitting policies with stronger coverage. We work with top-rated carriers and know how to navigate underwriting to get you the best deal—not just the cheapest quote, but the one that actually protects you.
⸻
5. We’re Experts at Certificate Management
Need a certificate fast? Need to show multiple additional insureds and waivers of subrogation? Working on a city project or high-rise that requires specific language? We know exactly how to handle complex certificate requests so you don’t lose out on jobs or upset your general contractor.
⸻
6. We Help You Structure Your Policies to Win More Jobs
GCs and project owners are looking for well-structured insurance. We help you build a risk profile and policy setup that makes you more attractive to potential clients—whether it’s providing primary/non-contributory wording, per-project aggregate limits, or blanket additional insureds. We know what it takes to get you approved.
⸻
7. We Work with Start-Ups and Large Contractors Alike
Whether you’re a two-man crew just getting started or a multi-million-dollar firm with large commercial projects, BGES Group has markets and programs for you. We don’t turn away smaller contractors, and we know how to handle the complexities of larger accounts.
⸻
8. You Get Personal Service, Not a Call Center
When you call BGES Group, you talk to a real person who knows your name, your business, and your policy. We don’t shuffle you through departments or keep you on hold. Our clients have direct access to an experienced insurance professional, and we’re available when you need us—even after hours.
⸻
9. We Can Package General Liability with Workers’ Comp, Umbrella, and More
Want to simplify your insurance program? We can bundle all your key policies—GL, comp, umbrella, tools, commercial auto—with one point of contact. This makes managing your coverage easier and helps you take advantage of multi-policy discounts.
⸻
10. We’ve Got a Track Record of Protecting Contractors
BGES Group has spent years helping contractors stay in business after serious claims, avoid lawsuits, and land better-paying jobs because they had the right insurance structure in place. We’re not just a broker—we’re your advocate, your advisor, and your safety net when the unexpected happens.
⸻
About BGES Group
At BGES Group, we specialize in contractor insurance for businesses in New York, New Jersey, and Connecticut. We work with general contractors, subcontractors, and specialty trades to build better insurance programs that protect your business, reduce your liability, and save you money.
We’re not a factory agency. We’re a hands-on, boutique firm that believes in old-school service with modern solutions. Our team takes the time to understand your business, review your policies, and make sure you’re covered when it really matters.
⸻
Ready to Talk to a Contractor Insurance Specialist?
If you’re tired of overpaying for insurance that doesn’t do the job—or worse, puts your business at risk—then it’s time to give BGES Group a call.
We serve contractors across the Tri-State area and are ready to help you get covered the right way.
Contact BGES Group Today:
📞 Gary Wallach
📱 914-806-5853
⸻
Stop guessing about your insurance. Let BGES Group show you what real protection looks like. We’re here to help you win more jobs, stay compliant, and sleep better at night.