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Congratulations! You’ve gone into business for yourself. No more bosses or time clocks! Except now if a mistake occurs, it is all on you. Did you insure your new company, protecting your ability to remain operating in the case of accident or disaster? Are your personal assets protected from business decisions, good or bad? If the answer is no, you might want to think about commercial insurance products from E.S.T.I.R. Inc. 

Loss of Company Building

Fires and major storms will happen. Should the property burn down that your new business is located in, how will you rebuild? With the right protection in place, you will be able to replace or relocate and start sending out product to your anxious customers once again.  Otherwise, your dream that you invested all your money and effort into will simply vanish in a column of smoke.

No Business During Construction

Should the aging road outside your property undergo badly needed repairs by the state, how will you get patrons to your front door or your product out? With no commerce happening during the fragile first few years of operation, how likely is it that you could survive a month or two of lost income?  Commercial insurance can provide enough cash during an interruption in business to protect your most valuable asset.

Replace Damaged Equipment

The industrial press needed to build your business cost almost as much as the building.  Should it fail due to vandalism without warranty, where are you going to raise the capital to replace it? Your capital equipment would be protected with the right policy.

E.S.T.I.R. Inc. has all the commercial insurance products needed to ensure your new business can flourish for years to come. Give them a call today.

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Giving back to your community is the best way to support it. The people who surround you are the ones that matter. If you really want to help your community thrive, follow these tips to give back in many different ways.

• Donate food to your local food bank. There are many people who cannot afford food on a daily basis and that is where food banks come in. Unfortunately, food banks do not always have all of the food they need to feed the community. You can help out by donating non-perishable food items.
• Donate clothing and old coats. When you go through your closet to clean it out, instead of throwing away all of your old clothes and coats, consider donating them instead. If they are still usable, opt for this route instead.
• Donate blood. There are blood banks and blood drives everywhere. You can only donate once in a specific period of time but the blood you donate can be used to save lives. This is an easy way to make a difference, as long as you are not afraid of needles.
• Volunteer at your local homeless shelter. These shelters are always looking for more volunteers. Give some of your time to brighten the day of people in your community.
• Adopt a pet. Instead of buying a pet, you should adopt one from a local animal shelter. Give them a forever home and do not waste your money on a pure-bred.
• Donate to a local charity. If you do not have time to give, you can always give money to local charities. 

Support your local community and get all of your insurance through E.S.T.I.R. Inc. serving Princeton, NJ. They offer many different insurance plans to meet your needs. Contact them today for more information and to ensure that you are covered. 

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.