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Every small business owner knows how stressful and full of risks owning and operating a small business can be. Your profit margin is not designed to survive catastrophes. That is where commercial insurance comes in. Your trusted independent agent work with you to access your risks and to make sure you have the correct commercial insurance to protect you and your business. At E.S.T.I.R. Inc. in Bloomfield, NJ, we have been providing our customers with the best insurance options for more than 20 years.
Commercial property insurance
You can’t do business without an inventory and the way to produce it. You may own the building you do business out of or you may be a renter but either way, commercial property insurance is vital to making sure you can continue to do business if a covered peril happens to strike. It does cover the building if you are the owner but even if you’re not, it covers a lot of important things. You will help replace your machinery, office equipment, records, inventory, and raw materials. Doing business without these things would be difficult.
Commercial liability insurance
Bad things can happen which will affect your business. Small businesses are an attractive target for people looking to file a suit. It may be they were injured while visiting your business or by a product you produce. You may have made an error that affected a customer adversely. You may even have a disgruntled employee who files a suit against you. Your liability insurance may be all that is between you and closing your doors. It will help pay legal fees as well as a judgment against you up to the limit of your policy.
Other lines of commercial insurance may be a good fit for your business. In Bloomfield, NJ contact E.S.T.I.R. Inc. for all your commercial insurance needs.