Harrison, NJ, 07029 is a nice area for many people interested in access to the city at an affordable cost. The recent plans to revitalize the city are underway, so in the next few years the city is going to be a hotspot for many businesses and professionals alike.

With easy access to many cities, many businesses will use their cars to travel back and forth. Commutes can place strain on business vehicles due to wear and tear, so it is essential for business owners to know how to maintain their business cars in order to save money on their insurance and protect their employees.

Install Gadgets to Monitor Driving

Advances in technologies have made it easier to monitor cars remotely. Business managers can install these devices to ensure that their vehicles are driven safely, so that their insurance premiums remain low. The benefits of installing these devices include:

• These devices provide businesses with the ability to monitor warning lights, such as the check engine and battery light.
• These devices provide businesses with the ability to easily locate the car if it is stolen.
• These devices allow managers to monitor live trips while employees are driving.

With all these features, it is easy to see why so many business owners are opting to equipment their cars with new technology so that they will have more control over their employees’ safety.

Keep the Cars Maintained

Maintaining business cars is essential for employee safety. By having the oil changed, fluids checked, and the condition of the tires checked, managers will reduce the instance of the car stalling or getting a flat tire during heavy travel times. Since disabled vehicles can cause even more confusion, businesses are not only protecting their drivers, but other drivers on the road.

After implementing all the safety measures possible to protect your employees call us to determine whether you qualify for a better rate on your commercial insurance policy. Our agents are always standing by to provide you with commercial insurance quotes using the latest technologies to provide you the best quotes possible. 

As a business owner in Newark, NJ, there is a lot to think about. One day after a quick lunch at Gencarelli's, you decide to take a walk through Branch Brook Park before heading back to the office. You start thinking about your insurance coverage. Is your business covered in case of fire damage? What about a burst water pipe? Even if you have adequate levels of damage protection, your company could be down for weeks or even months during remediation and reconstruction. Who will pay the bills when your business income has been interrupted?

Since E.S.T.I.R. Inc is a local company as well, our commercial insurance agents understand your concerns. We can answer your questions about the different types of insurance policies for businesses. For example, some business property damage policies cover damage from smoke, vandalism and even sinkholes. However, if you are concerned about glass breakage or water damage, you may need additional endorsements. Our agents will be happy to look over your current policy to ensure you are protected.

Business interruption insurance is usually not standard coverage on a property damage policy. You might need a separate policy if you have concerns about the financial impact of delays to your business operations due to building damage. Business interruption insurance often covers operating expenses and lost profit until the damage is resolved, as well as costs for your business to continue operating at a different location if necessary. Policies will vary based on your company's circumstances. At E.S.T.I.R. Inc, our experts can give you a business insurance quote based on the coverage that will best suit your company's needs.

To consult with the Newark insurance specialists at E.S.T.I.R. Inc, please contact us today. We want every business in the 07107 area to have the policy that best protects their financial future.

It’s common knowledge that your brand new car depreciates in value as soon as you drive it off the lot in Harrison, NJ. In fact, it continues to depreciate as you drive it. Each mile you drive and each day the sun beams down on your shiny, clear coat, you are losing value. The difference between what you owe the finance company and the value of your car is considered a gap; this is the amount you are responsible for paying to your insurance company if you total your car.

How Gap Insurance Works

Fortunately, car insurance companies offer coverage called Gap insurance that will help you cover the cost of a total loss to your vehicle. With Gap insurance, your insurance company will pay the actual cash value of your car and they will pay the difference between what you owe the finance company and what they already paid. Gap insurance is imperative if you have a brand new car because you can protect the value of the car and your wallet, by opting in for the coverage.

It is important to keep in mind that some companies may only pay a percentage of the difference, so ask questions and compare your options to ensure that you are fully covered.

Getting Gap Insurance

The best agents in 07029 offer Gap insurance because they realize it truly protects their customers and many people are interested in the coverage. The process is simple, once you call around for insurance quotes for your new vehicle ask the insurance companies whether they offer Gap insurance coverage for your new vehicle.

Adding Gap Insurance to Existing Coverage

Adding cap insurance coverage to an existing policy is possible under certain restrictions. Each insurance company establishes their own restrictions, so you should contact your insurance provider to add gap insurance.

Opting out of Gap insurance is like throwing money down the drain since you are losing money each time you drive your car. To avoid paying the finance company if you are in a wreck, you can purchase Gap insurance for a few dollars and have the peace of mind knowing that you are covered if you are in a wreck with your new vehicle.

Everyone needs some sort of insurance policy in their life, either for personal or commercial reasons, but the monthly payments represent a significant overhead. Instead of sticking to paying too much for your insurance, there are a few ways you can talk to us to see if you can bring down your insurance payments.

One way that a monthly premium is determined is through your credit score. While this isn’t a huge factor when setting up insurance, if you have a significantly improved credit score compared to when you first created your policy, it’s worth getting in touch and seeing whether it makes a difference with your policy.

Changing the maximum coverage level for the contents of your house or apartment with homeowners and renters insurance helps to adjust the premium as well. If you increase your coverage level, your monthly premium is adjusted accordingly. You may want to look into specialty insurance if you are increasing your coverage level due to assets such as a boat, which can have its own separate insurance policy.

If you change the deductible, you are altering the amount of financial liability you have before the insurance company covers the bill. A lower deductible is great if you want to avoid paying large lump sums when accidents happen, but it’s not as good if you aren’t able to afford the higher monthly premium. Raising your deductible generally brings down your monthly premium.

Talk to our independent agents at E.S.T.I.R. in Harrison, NJ to find out what options you have for your insurance. Our NJ insurance agency has a free online quote system to make it easy for you to sign up and get the information you want.