Powered by AI and People. Changing the Insurance Industry.
Better products. Better service. Lower premiums.

Insurance built for contractors.

From residential remodels to commercial job sites, contractors face real exposure on every project — crews, equipment, subcontractors, and the work itself. BCG Advisors pairs specialist advisors with AI-driven insight to place broader protection, price it sharper, and stand beside you when it matters most.

Serving contractors & the trades across New Jersey & beyond

For Contractors & Trades

Coverage that fits the job site

  • General Liability & Completed Operations
  • Workers’ Compensation
  • Commercial Auto — hired & non-owned
  • Contractors’ Equipment & Tools
  • Builders Risk / Course of Construction
  • Umbrella, EPLI & Cyber
Why Contractors Choose BCG

A specialist partner, not just a policy

  • 1

    We know construction

    We understand job-site exposure, subcontractor risk, certificates and additional insureds, and the coverage general and trade contractors actually need — and we place it right.

  • 2

    People + AI, together

    Technology makes us faster and sharper; experienced advisors make the calls. You always have a human accountable to you.

  • 3

    Advocates when it counts

    At renewal and at claim time, we go to bat for you — negotiating terms and fighting for fair, fast outcomes.

  • 4

    Two New Jersey offices, one team

    Local, responsive service from Secaucus and Red Bank, with the market reach of a full-service brokerage.

Coverage that keeps up with the job

12+

Coverage lines tailored to child care

2

New Jersey offices near you

3
Lines of business under one roof: commercial, benefits & personal
1

Dedicated advisor accountable to you

  • AI works behind the scenes. A real advisor reviews every recommendation, placement, and claim decision.
The AI Advantage

Smarter tools. Human advisors.
Better outcomes for your organization.

We put artificial intelligence to work behind the scenes — so your advisor spends less time on paperwork and more time protecting your mission. Every recommendation is reviewed by an experienced professional accountable to you.

A fuller picture of your risk

AI organizes your history, exposures, and needs fast, so your story reaches carriers complete and accurate.

Sharper benchmarking

We pressure-test your limits and pricing against comparable accounts, so you’re never over- or under-insured.

Proactive risk prevention

Data models flag emerging exposures early, so we can recommend safeguards before a small issue becomes a claim.

Stronger claims advocacy

When something happens, we move fast and push hard, making sure a settlement reflects what your policy truly owes.

Coverages for Contractors

One program, built around how you actually operate

We tailor a complete insurance program to your business — general contractors, remodelers, electricians, plumbers, HVAC, roofers, and the trades alike.

General Liability

Third-party bodily injury and property damage arising from your work, on the job site and off.

Workers’ Compensation

Medical costs and lost wages for crews injured on the job, plus employer liability — often your biggest exposure.

Products & Completed Operations

Liability for the work you’ve finished — the coverage a defect or failure claim falls under years later.

Contractors’ Equipment (Inland Marine)

Tools, machinery, and equipment protected on the job site, in your shop, and in transit.

Builders Risk

Course-of-construction coverage for structures, materials, and property while a project is underway.

Commercial Auto

Your trucks and vans — owned, hired, and non-owned — hauling crews, tools, and materials to the site.

Commercial Property

Your office, shop, yard, and stored materials — protected against fire, storm, theft, and more.

Professional Liability (E&O)

Design-build and professional exposure for contractors who carry responsibility for plans and specs.

Pollution Liability

Environmental exposure from your operations — silt, fuel, mold, and other job-site pollution claims.

Employment Practices (EPLI)

Defense and coverage for wrongful termination, discrimination, and harassment claims from employees.

Cyber Liability

Breach response and liability for the client, bid, and payment data your business stores.

Umbrella & Excess

Extra layers of liability that sit above your primary limits — often required to win larger contracts.

Not sure what you need? That’s exactly what a consultation is for — we’ll benchmark your business and build the right program together.

How it Works

From first call to ongoing protection

Step 01

Book a consultation

Tell us about your business — industry, operations, payroll, and current coverage. No obligation, no pressure.

Step 02

Get a tailored program

We benchmark your risk, market your account to the right carriers, and present clear options built around your needs.

Step 03

Ongoing advocacy

We manage renewals, monitor emerging risk, and advocate hard for you whenever a claim arises.

Let’s Talk

Book your insurance consultation

A short conversation is the fastest way to see where you’re protected, and where you aren’t. We’ll review your current coverage and show you what an AI-enhanced brokerage can do across benefits, commercial, and personal lines.

Request your consultation

We’ll get back to you within one business day.

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