Commercial insurance doesn’t just mean that you’re keeping an eye out for potential property disasters, it’s also about caring for your employees and customers as well. If you don’t have enough coverage, it can cripple your business with excess costs and legal matters. Use these 5 tips before you decide on a policy. 

1. Consider Your Area 

Manassas gets its fair share of rain but even if it didn’t, floods can still happen practically anywhere. Water, windstorms, and earthquakes can cause major damage, but they’re not generally covered under normal policies. 

2. Looking Ahead 

Right now you may not see very many threats to your business, but you need to keep in mind what might happen in the future. Some ‘customers’ or even employees are only there to catch you on a technicality so they can sue you. Commercial insurance gives you a means to fight off their accusations. 

3. When You Need Repairs 

A large insurance company may not be very organized when it comes to getting a claim covered. Do you really need to be transferred three times when your business needs to be addressed ASAP?

4. Mobility and You 

Mobile equipment is often not on your property, which means you need an insurance policy that will extend for all of your tools — not just what’s located on your grounds or official office. 

5. Getting a Partner 

A good insurance company can explain the terms of your commercial insurance to you in a way that makes sense, and even give you specific tips based on your business so you’re better protected. E.S.T.I.R. Inc. is here for the people of Newark, NJ, and we want to talk to you about your policy. Give us a call today!

Educated employees not only perform better on the job but the are also safer on the job as well. But how should you go about educating your employees in order to keep them safe? The E.S.T.I.R. Inc. services greater Newark and can assist with any and all of these kinds of situations. They have informational access to education courses in the area to help inform your employees of not only how to properly complete a task at hand, but how to stay safe while completing the task. 

Educating your employees can change drastically depending on the industry you are in. From food services and preparation to construction and manufacturing, each line of work has its own set of health risks. Courses and classes offered on these different forms of safety offer insights into how to avoid the spread of germs in a kitchen to avoiding construction zone accidents. 

When selecting the right kind of courses for your employees, there are other forms of insurance you need to look into as well. While educating your staff does reduce the potential for injury, mistakes do happen and accidents do occur. By investing in workers compensation insurance, you can protect not only your staff but yourself as a business owner as well. Professional liability insurance can help with coverage in other ways, so if you need assistance with locating courses to improve employee education on safety or if you are in need of specific insurance plans to protect the business, E.S.T.I.R. Inc. servicing Newark, New Jersey can help with this. 

Proper safety techniques are required in any business to maintain a healthy work environment. This is why educating your employees on how to stay safe while on the job is a must. 

When you live in Newark, you need insurance for all sorts of different things – your home, your car, and everything else. Instead of trying to do everything alone, you can work with independent insurance agents who can make sure that you make better choices.

For years, people have been saying that independent insurance agents will become obsolete. This couldn’t be further from the truth. The main reason for this is because independent insurance agents know how to stay above the trends and react quickly to change. They know how to embrace social media, market themselves and communities, and more.

When it comes to purchasing insurance, you want people who are savvy and committed to the community. This is why it is beneficial to work with independent insurance agents. They can make sure that you understand the various options available in the marketplace. They can also tell you which insurance companies you want to do business with and which ones you should avoid.

Insurance companies will often put their needs first, which means your needs come second. Is not the way you want to purchase insurance. Independent insurance agents don’t work for specific company and therefore they have no hidden agenda. Their goal is simply to make sure that your insurance needs are taken care of.

Agents can save you time and money and do a lot of the work for you. They already know what companies are out there and what the coverages, so they can make intelligent recommendations to help you buy a better policy for your home, your family, and every other aspect of your life.

Call now and our independent insurance agents at E.S.T.I.R. Inc. will guide you through the various New Jersey insurance companies and the options that are available to you. It can give you greater confidence when purchasing policies.

If you are a student in Newark, there are several things that you need to know about obtaining health insurance. The affordable care act, also referred to as the ACA, requires that you have health insurance. Who provides the health insurance is entirely up to you.

There are three main ways for you to get health insurance in today’s marketplace. These include:

• Your school
• Your family
• An individual plan

More and more universities across the United States are requiring health insurance coverage – and they may even include it within your tuition. This means you will have to look to see what you are spending your money on. If your school offers coverage, be sure it includes dental and vision as well. You also want to make sure that you have calendar year coverage and not simply semester coverage.

If your family plan has you included, this can offer great savings. If you are out of town or out of state, your doctor may not be within the network, however. This means that you may spend a lot of money on co-pays. It may also not provide you with full coverage if you play sports at the school.

Finally, you have the ability to explore an individual plan or you can determine all of the levels of coverage. You will want to explore deductibles and co-pays.

Regardless of where you obtain health insurance, you want to compare rates in order to make sure that you are getting the best deal and the highest level of coverage. You also want to do what you can in order to maintain a high level of health.

When you call us at E.S.T.I.R. Inc. we are able to help you learn more about obtaining health insurance in Newark. Contact us today to obtain quotes from multiple insurance companies throughout New Jersey.

Life insurance is very important. It provides protection for you as well as your family in the event of your passing. There are different myths that you need to know about in order to effectively purchase a policy in Newark.

You are Too Young

Many people believe that they are too young for life insurance and this is something that should be purchased upon retirement. The reality is that there are plenty of reasons why 30 and 40-year-olds should be purchasing life insurance, and at the top of the list is that it is more affordable.

Employer-Provided Policies are Sufficient

Every policy is a little different and therefore you need to look at what your employer is providing. It is likely a term policy and disappears once you leave the company. It may also only be one or two times your annual salary, which would not be sufficient enough to protect your family.

Online is Where to Buy a Policy

While you can get some deals online when purchasing life insurance, many people purchase without knowing exactly what they are getting. Speak to an independent insurance agent so that you can discover more about available policy options.

Buy Term and Invest the Rest

There are some big differences between term, whole, and universal life insurance. A big myth is that people believe you should buy term life insurance and then invest the difference since it is the cheaper option. However, whole and universal can provide a cash value – and it is definitely something worth exploring, especially if you have it available within your budget.

There are plenty of other myths out there, and speaking to an independent insurance agent can enlighten you about the possibilities.

At E.S.T.I.R. Inc. we look forward to helping you find a policy that you can count on for life insurance. Call now and one of our agents can answer questions, get quotes, and more.

After a wedding, the last thing most couples have on their mind is to call their insurance agent. At E.S.T.I.R. Inc., however, we strongly urge newlyweds to contact their insurance agent shortly after becoming wed. Many insurers will give couples discounts on their insurance rates after they’re married, but insurance agents can only help couples get this discount if couples first call to share the good news.

Many Married Couples Qualify for Multi-Policy Discounts

There are many insurance discounts that people may qualify for. One that married couples, in particular, often qualify for is a multi-policy discount. Most insurers will lower a couple’s insurance premiums if they have more than one policy with the insurer.

While individuals who maintain both an auto insurance policy and at least one other insurance policy may qualify for a multi-policy discount, not all single people have more than one policy. Married couples, however, often have more than one car and also need homeowners, condo or renters insurance. Therefore, most married couples qualify for multi-policy discounts if they purchase all of their insurance policies through one company.

Contact Your Insurance Agent to Learn More About Multi-Policy Discounts

Multi-policy discounts vary from insurer to insurer, even though almost all insurance companies offer them. If you’d like to learn more about any multi-policy discounts that your insurer offers, contact your insurance agent. They’ll be able to help you figure out whether you qualify for a discount and what you need to do to get it if you do.

If you don’t have an insurance agent, or if your insurer doesn’t offer a large discount, contact us at E.S.T.I.R. Inc. We have independent insurance agents who can compare discounts from every insurer in Newark, NJ and find you the best one. To reach us, send us a message through our website or give us a call today!