Author Archives: AgentInsure

Does Auto Insurance Cover your Passenger’s Expenses?

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Having an accident is the last thing that anyone wants to have to deal with. That being said, there are tons of expenses that come along with an accident for both you and your passengers. For those in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you to find the best policy for your needs every time.

Auto insurance covers a great deal and the costs and expenses of your passengers are one of them. Though your auto insurance is not going to cover every single expense your passenger incurs, their own health insurance will cover a great deal, your auto policy is likely going to award them what is considered liability for your state. This means that if liability for your state is $10,000, that is how much your policy is going to pay for your passengers. This is only if you have a liability policy if you have a larger policy or a full coverage policy you may be able to get more money for your passengers.

You will also be able to claim injury costs on your auto policy as well as using your health insurance policies to help pay for costs associated with your wreck. You should take the time to also consider that your state may be what is considered an at-fault state which means that fault for the wreck will be determined and the person at fault will have to use their insurance to cover all the expenses. No matter what your state laws say, your passenger is going to be covered to a certain degree on your policy each time they get into the car and ride with you. For those in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you find the policy that works best for you.  

Protect Your Inventory With a Comprehensive Commercial Policy

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Because inventory levels change with the amount of business you are conducting, it is sometimes difficult to consider it as an asset that needs to be protected. Our team of highly-trained agents at E.S.T.I.R. Inc. are proud to serve the commercial insurance needs of the many businesses here in Bloomfield, NJ. If you own your own business, you understand the many moving pieces that come with inventory management. Making sure that your insurance policy covers your inventory completely is an important part of maintaining an effective commercial insurance portfolio. Our team is here to answer any questions that you may have and help you find the policy that meets your needs.

Make Sure Your Inventory is Covered

Ensuring that your inventory is measured at its highest level in order to determine your coverage amounts is the first step in securing the comprehensive commercial insurance protection that your business needs. Property policies are fairly comprehensive, and when you sit down with your agent to review all of your business components, you can find out about your many protection options. Inventory is the lifeblood of business and if it is ever lost, stolen, or damaged your bottom line can suffer. With comprehensive commercial insurance, you can make sure that you are able to continue operations as you rebuild your inventory levels. Make sure that you have the right policy level to protect all aspects of your business. Don’t let an oversight in your policy level hurt your company.

Is it time to find out more about how a comprehensive commercial policy can help protect your inventory? Contact E.S.T.I.R. Inc. for assistance with all of your Bloomfield, NJ commercial insurance needs. We are here to help you protect your hard work and keep your business operations covered. 

What is Contractor Insurance?

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Being a contractor is a great profession that has the potential to make you a lot of money and to help people. If you are considering becoming a contractor or if you are already a contractor, contractor insurance is a must. For those that live in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you find the right policy for your business.

Contractor insurance, much like any other specialty insurance policy, is geared toward making sure that you have the right policies to cover all the liability and issues you might come up against as a contractor. This type of policy is going to be a bundle policy that combines things like general liability, commercial property, business owners, and more together into one easy to pay and easy to use policy. This helps contractors to make sure they have all the coverage they need without having to go through and find each and every policy that might apply.

This type of bundle also often comes with a discount that helps make all the necessary insurances more affordable and easier to take out. For those that have a contractor business, this type of policy is going to take the guesswork out of the policy you need and is going to help you make sure you are fully insured before you ever set foot on the first worksite. With any business, there are a large number of different coverages that you need to help make your business protected and to provide protection to your customers.

For those that live in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you to find the policy that fits your needs, that has the right coverage for you, and that meets the overall needs of your business.

Is there an easy way to make a home inventory?

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No one likes to think of having a fire or burglary in their own home, which should be a safe place. That is one reason people put off making a home inventory, even knowing they will need the inventory later if something happens.

The job can also seem overwhelming, but there are some tricks you can use to make it easier. At E.S.T.I.R. Inc. we assist our Bloomfield, NJ customers so they will have the records they need if they ever have to make a claim.

Traditional Inventories

In the past, people would simply try to list their possessions. Dividing the task into rooms makes it easier, as you can do one room a week until you’re done. Make sure to get serial numbers off electronics.

Video

A really great trick is using your phone to video your home and belongings. You will not only find it easy to work at your own pace, but you will also have a record of the condition of all your items. You can prove that your various items and gadgets were in working condition at the time of the inventory. You can also still choose to do a room at a time, to keep the job manageable, and make sure you get identifiers like serial numbers. When you record your inventory, you won’t have to worry about leaving the list in a safe place.

If you do need help making your home inventory, don’t hesitate to ask. We have helped our Bloomfield, NJ customers find a way that will make it easy to access those important records later. If you want to talk about home inventories, or if you just want to discuss our homeowners and renters policies, don’t hesitate to call E.S.T.I.R. Inc. today.

Four Benefits of Proper Car Maintenance

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At E.S.T.I.R. Inc. the agents understand how important your vehicle is your daily life. Without it, you would at a loss, unable to go to work or care for your family. The agents are always available to Bloomfield, NJ residents to answer questions about auto insurance or offer a few sound maintenance tips to keep your car in top shape.

Better Gas Mileage

Regular maintenance and service checks keep your car running efficiently and will help to improve your gas mileage. This saves you money in the long run and also reduces wear and tear.

Better Overall Performance

Regularly scheduled oil changes and service checks can bring your car’s engine back to factory standards in terms of how the engine runs. Changing your air and oil filters allows the engine to have what it needs for maximum efficiency and better overall performance.

Fewer Breakdowns/Repairs

Having your car thoroughly inspected and serviced according to the factory’s recommendations will prevent breakdowns and keep repairs to a minimum. By catching problems when they are small, you can eliminate larger repair bills.

Maintains Its Value

Cars that are properly maintained hold their value for a much longer period of time. This increases trade in value and ensures you get the most out of your investment.

The agents of E.S.T.I.R. Inc. serve residents throughout the Bloomfield, NJ area. When it comes to auto insurance and how to make sure you get as much out of your investment as possible, it’s important to understand how important maintaining your vehicle really is. Call and schedule an appointment with one of their agents at your earliest convenience. They have the answers you’ve been looking for. 

Tips for Starting Your Own Contracting Business

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Starting your own business can be extremely profitable. In fact, some individuals earn a substantially higher income working for themselves than they would for a company. However, the process of actually establishing your business isn’t as easy as you may think. With a few simple tips and insurance from Bloomfield, NJ’s E.S.T.I.R. Inc. you can get started with the highest potential for success. 

Getting Proper Licensure 

You can’t just start offering your services as an electrician without getting the necessary licensure. If you want to start a business and work as a contractor, you need to get a general business license. You also may need specific business licensure. For some contracting jobs, you may need certifications to prove your credentials. 

Insurance 

Before you start advertising, you need to look into insurance. Insurance is necessary for contractors. It helps protect their assets in the event something should happen to a client’s property. For instance, let’s say you’re doing electrical work in someone’s kitchen. You accidentally drop the screwdriver and it tears through the person’s linoleum. Instead of the person suing you, the insurance you have covers the expenses. You can also utilize your insurance if you should happen to make a mistake on the job. 

Learning to Market  

In today’s technology savvy world, marketing is easier than ever. You may create social media pages specifically for your business and use your own personal page. You have the option of sites like Craig’s List to post an ad for your services. Linkedin is another excellent place. You create a page listing all of your information. Your name comes up in the search results, and you have the option to connect with other contractors and businesses in your area. 

Call E.S.T.I.R. Inc. today for a quote for insurance for your contracting business. We serve Bloomfield, NJ and the surrounding area and are available by calling 973-481-5300.

 

Does Commercial Insurance Cover Technology In the Business?

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Commercial insurance covers a huge range of different aspects of your business including the technology that is required to keep your business going. If you have a commercial policy, it is always best to see just what the policy covers in order to understand entirely what your policy is going to pay for should you have to use it. If you live in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you to find the perfect commercial policy.

Keeping in mind that many businesses use some sort of technology to help them function, it is necessary that commercial policies cover the technology that is used to keep the business going. This means that commercial policies cover things like the computers that house the inventory, cash registers, office computers, anti-theft devices and more that are all used to help the business proceed with daily activity. If you have a business for instance that is destroyed in a fire, your policy would help to give you a monetary amount to help buy new computers and new technology to help recover the business.

A commercial policy is going to cover pretty much anything that is going to help your business run on a day to day basis. It is also going to cover inventory, the shelving and other display items, the building itself, and to a certain degree, can help pay for employee injury if something happens to your employees while you are at work. If you live in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you to find the perfect commercial policy for your needs so that you can be fully covered no matter what, even your valuable electronics that are used to keep your business running.

What You Should Know about Shopping for a Car and Auto Insurance

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Buying a new car in Newark, NJ can bring some questions about what to do with your auto insurance.

If you are buying a car on the weekend and the insurance office doesn’t open until Monday morning, you will usually have automatic coverage for new purchases that is equal to the broadest coverage you have on either your current or other cars on the policy. This means your policy will cover you for up to four days. If you don’t have comprehensive or collision coverage on the car you are replacing, then you won’t have it on the new vehicle. You may be required to have this overage if you are leasing or financing the new car. If there are multiple cars on the policy, then the new vehicle will have the greatest level of coverage to match any car listed on the policy.

It’s important to read the fine print on the lease or loan. Some leasing contracts could have a forced place clause, which means that the leasing company will arrange for insurance and add it to the monthly bill. You may also want to add additional gap coverage when purchasing a new car since this will help pay the difference from what you owe and what the car is worth at the time of an accident.

The dealership will not be responsible for contacting your insurance company, so you should contact your insurance agent as soon as possible.

If you are purchasing your first car and don’t have any existing insurance, you will have to do that before you can drive off the lot. An agent at E.S.T.I.R. Inc. can help you set up a first-time car insurance policy. While you typically have four days to contact your insurance after buying a vehicle, you should notify your agent in advance if you know you are close to getting a new car.

Contact E.S.T.I.R. Inc. serving Newark, NJ, to get a quote on auto insurance. 

 

How Changes to Home Insurance Rates Reflect to Increasing Severe Weather Conditions

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Home insurance rates are significantly changing due to severe weather conditions that have long been associated with the earth’s climate change. The industry’s pending financial losses are a direct result from the amount of damage sustained in these storms, and their occurrence seems to be on the rise with each passing year. 

The state of New Jersey has seen the after-effects from severe weather conditions as Superstorm Sandy hit the tri-state area in October 2012 and caused $65 billion in damage. Thus, making it the second-costliest weather disaster in the history of the United States. Insurance agencies like E.S.T.I.R. Inc. of Newark, NJ have seen this region become more susceptible to hurricanes, wind and hail damage, but the severity of these storms have become more frequent than ever before. 

Factoring Severe Weather Conditions Before Buying a Home

The key to any real estate deal is location…location…location. In the past, prospective homeowners’ only concern was the condition of the property, type of neighborhood and gauge the quality of the local school system before committing to a purchase. Now, they must be more conscious about the severity of the weather conditions by seeking reports on which communities are at risk from rising water and other weather-related damages. Many will consult with various building contractors on disaster prevention options for their new home. Many of these businesses specialize in reducing the damage caused by severe weather conditions, and their knowledge will help to lower your premium as well. 

Having An Eco-Friendly Home May Offset High Premium Coverage

Landowners are making a concerted effort to have a more eco-friendly home, especially if their property is in the crosshairs of severe weather conditions. Their attempting to reduce the threat of property damage, which lowers the amount of home insurance claims. Thus, offsetting high premium coverage. It begins by taking the necessary steps to make the home more weather-resistant to this rapidly changing climate and limiting the amount of damage sustained in a severe storm. 

 

 

 

 

 

 

 

 

 

How Contractor Insurance Protects Your Business Reputation

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One of the most appreciated and noble professions is that of a contractor. A contractor has the flexibility to take on a variety of projects within the home and work when it is best suited for the client and the contractor. Most of the clients that build the contractor’s business is by the reputation of the contractor. If you are a licensed contractor in the Newark, NJ area, a contractor insurance policy from E.S.T.I.R. Inc. will help you maintain your business reputation.

Put the "Liability" in "Reliability"

When seeking out a contractor, most clients equate reliability with work quality. A reliable contractor ensures their business by protecting both their clients and themselves with liability coverage. This coverage protects any damages that may happen on site, as well as prevent any extensive lawsuits from clients. Bodily injury and property damage are both subject to liable damages for contractors who are working in or around an area with access by homeowners or public. Any damages that require compensation or medical bills are covered under this portion of the policy.

Insure the Structure

It is essential for contractors to insure their projects as well as any structures that may have been damaged while working. Protect yourself and employees from the unforeseen damage that can come from working around a critical structure. Damages to unknown pipes or damages to the interior structure are covered under these policies. 

Protect Your Reputation Today

Contractor insurance promotes responsibility and security. Contractors that are insured is in high demand for clients in or around the Newark, NJ area. Knowing you are insured will enhance and maintain your business reputation with clients and potential clients. Let an agent as E.S.T.I.R. Inc. assist you with a contract insurance policy and protect your business reputation today.