As a New York contractor, your business depends on having the right insurance coverage to protect against potential risks. But many contractors are learning the hard way that not all insurance agencies are created equal. A growing number of firms operate like large, impersonal factories—pushing policies out the door without offering the care and attention you deserve.
These factory-like insurance agencies can create unnecessary headaches and risks for your business. Here are the most common issues contractors face when working with these agencies, and why turning to BGES Group could save you time, money, and frustration.
The Problems with Factory-Like Insurance Agencies
1. Incompetent Account Servicing
Many factory-like insurance agencies hire inexperienced or undertrained staff to manage accounts. This often results in major errors, including:
• Misclassifying your business operations, leading to higher premiums.
• Failing to include key coverages like labor law insurance for New York contractors.
• Overlooking additional insured requirements that protect general contractors and project owners.
Would you trust someone inexperienced to manage a critical aspect of your business? Probably not—but that’s exactly what you may be dealing with if your insurance is with one of these agencies.
2. High Employee Turnover
These agencies are plagued by frequent employee turnover. The person managing your account today may be gone tomorrow, leaving you to explain your business needs all over again to someone new. This instability can lead to mistakes, delays, and a lack of accountability.
3. No Policy Checks for Mistakes
Factory-style agencies rarely review policies in detail. This means critical errors can go unnoticed, such as:
• Missing endorsements that could leave you exposed to liability.
• Incorrect limits for high-risk construction projects.
• Gaps in general liability and umbrella liability insurance coverage.
Mistakes like these can cost your business tens of thousands—or even millions—of dollars in claims or legal disputes.
4. Exorbitant Policy Fees
Many of these agencies tack on big policy fees on top of your already high insurance premiums. These fees, often buried in the fine print, can add up to thousands of dollars annually. For many contractors, these unnecessary costs “suck the life out of you.”
5. Terrible Customer Service
Waiting hours—or even days—for a return call or email is standard with these agencies. In the fast-paced world of construction, this lack of responsiveness can delay your projects, create compliance risks, and cost you money.
The BGES Group Difference
If you’re tired of being mishandled by these factory-like agencies, it’s time to consider BGES Group. We operate like a boutique specialty shop—offering the personalized service and expertise your business deserves.
1. A Mom-and-Pop Approach
At BGES Group, you’ll work with one dedicated expert who knows your business inside and out. No bouncing around between representatives. No repeating yourself every time you call. Just consistent, reliable service from someone who’s always there for you.
2. No Crazy Fees
We believe in transparency and fairness. With BGES Group, you’ll never pay outrageous policy fees. What you see is what you get—no surprises.
3. Immediate Access to Expertise
When you call Gary Wallach at BGES Group, you’ll get him on the phone—right away. No waiting hours or days for a response. You’ll have a direct line to an expert who can answer your questions, resolve issues, and ensure your policies are exactly what you need.
4. Accurate Policies, Zero Errors
Our team specializes in construction insurance and takes the time to thoroughly review your policies. We ensure you’re covered for:
• Workers’ compensation insurance tailored for contractors.
• General liability and umbrella liability insurance with the right endorsements.
• Labor law coverage for Labor Law 240 and 241 compliance.
• Primary and non-contributory coverage for subcontractors.
5. Specialized Programs for Contractors
BGES Group offers exclusive programs designed for New York contractors, including those in higher-risk industries like roofing, demolition, and asbestos abatement.
Stop Overpaying for Subpar Service
Your insurance should protect your business—not create additional headaches. With BGES Group, you’ll get boutique-level service, competitive pricing, and the peace of mind that comes from knowing your coverage is in expert hands.
Contact BGES Group Today
If you’re ready to leave behind the frustrations of factory-like insurance agencies, call Gary Wallach at BGES Group today.
• Phone: 914-806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com
Make the switch to a firm that truly values your business. Experience the difference of working with a team that treats you like family—not just another account.
Why BGES Group is the Best Choice for Construction Insurance
If you’re a New York contractor searching for reliable, responsive, and affordable insurance, the choice is clear: BGES Group. Contact us today and see how we can transform the way you manage your coverage.