There are some sizeable businesses headquartered in Newark, New Jersey. Prudential Financial and The Panasonic Corporation of North America call Newark home. We are also home to hundreds of smaller, independent businesses who contribute to the economy and provide jobs. These small business are a critical part of Newark and deserve your support. Large or small, all businesses need to protect their interest. They generally do it with commercial insurance.

There can be pitfalls in buying commercial insurance. Insurance can sometimes be a bit complicated. You have captive agents and independent agents. There’s Special Form insurance and Basic Form insurance. There are coverage limits and deductibles to be concerned about. You don’t want to overpay, but you don’t want inadequate coverage either. But what is the biggest pitfall of buying Newark business insurance?

It may be not giving yourself enough options.

That is what an independent agency like E.S.T.I.R. can deliver for you. Captive agents only have the opportunity to show you a rate from the single company they represent. In an effort to get a better price from that company, coverage may be trimmed. That can become a problem. Independent agents can scour multiple companies. In this search, our professionals can help find the appropriate options at the best possible price.

You can give us a try with your personal insurance. Visit our website and get a comparative quote on your automobile or homeowners insurance. When you see the results, we hope you will let us quote your business insurance.

Avoid the pitfalls of buying Newark commercial insurance for your business. Make the most of your budget and get the coverage you need by getting the options you deserve. Contact E.S.T.I.R. and put us to work for you.

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.

It’s as important for business owners to cover all of their insurance options, as it is for individuals in their personal lives. Commercial insurance covers a wide range of policies that are designed to protect a business against many events, such as someone getting hurt while shopping, an employee getting injured on the job, or an error in legal advice causing monetary loss.

Understanding every policy that would help your business out requires the assistance of our experienced business insurance agents, as each business has its own needs. In general, you need commercial liability coverage for much of the basics, and worker’s compensation if you’ve got employees working for you. Outside of that, it heavily depends on the type of business that you run.

Commercial vehicle or fleet insurance is a natural selection if you have plenty of work vans or other company vehicles in your business. While you can have employees use their own personal vehicles, you don’t get high coverage limits through most personal car insurance, and you also don’t have coverage on necessary business equipment and loss of use. These features are both important for avoiding financial downfall when an accident occurs.

If you provide professional services, it’s possible that human error could cause someone to receive monetary harm. If this happens, errors and omissions insurance picks up the claim instead of letting the lawsuit lay your business low.

If you’re new to business ownership, there’s a lot of red tape and paperwork that comes before you even open the door. It’s important to know exactly the insurance types that are most beneficial to your Newark, NJ business. Talk with our independent agents to learn all about the commercial insurance benefits for you.

Insurance coverage can protect you from financial challenges that otherwise may arise in East Orange, NJ. Depending on the items that you own and the concerns that you want to address, the coverage that you need to purchase may vary. Recognizing your options can help you find the best rates and the best protection.

Determining Your Needs

The coverage that you need for your assets can depend on the items that you own, the current financial situation and your concerns. For example, if you own an expensive or rare car, then you will want coverage that protect against damages to your vehicle and you will want an umbrella policy in case you are involved in an accident. Your liability protection may not be enough if you own expensive items because it can be assumed that you have the funds to pay for expensive damages and medical bills.

Your needs will vary based on the items that you own. Recognizing your options can be an important part of finding the best plan.

Comparing Quotes

Along with finding the coverage that you need to purchase based on your goals, you should also compare quotes and policy options. Never assume that the first plan is always the best plan. In some cases, you will find great rates when you start looking at several different plans.

Keep in mind that the coverage you select will have an impact on the rates. Your historical data and details related to experience can also play a role in some cases.

Getting the best rates and coverage for your assets can seem complicated, but identifying your needs and looking at a variety of plans can help you get the best option. To learn more about insurance, contact us to talk to an agent today.

Motorcycles can come with a variety of accessories, like the protective gear that you wear or the trailer that you use to transport items behind the bike. The problem is that your motorcycle insurance in Kearny, NJ may not always cover those items. Although your plan may offer options, you will want to read the policy to determine if you are covered or not.

Basic Plans

The basic insurance policy for your motorcycle will not usually have coverage for accessories. The minimum standards focus on liability and may not offer any protection for your bike or your accessories.

If you add accessory coverage to the basic plan, then you may be covered for most items. Keep in mind that the additional coverage is usually optional, so your plan may not have coverage unless you add it to the policy.

Comprehensive Policies

Purchasing a comprehensive policy may mean that you will have protection for any accessories. Keep in mind that policies will vary, so the details and the amount of coverage that you can expect will depend on the specific plan. Some policies may have limited coverage for your accessories and you may determine that you want to add to the plan.

When a comprehensive policy has limited coverage, find out the limitations and the items that are not covered so that you can buy a plan that focuses on the specific items that you want to protect and you will not have more protection than you want or need.

There are several options available to protect your motorcycle and your accessories. The key is focusing on your goals and identifying the type of coverage that you need so that you can determine if you are already covered. Contact us to talk to an agent for more details.

Insurance can be an important part of protecting your property and assets. Although every plan is different and the coverage that you purchase may vary, you should always understand the basics before you contact insurance agents to help you find a policy that is appropriate for the property or situation that has caused your concerns.

Basic Coverage

Generally, insurance agents will help you understand the coverage in a policy by explaining the details and helping you understand the terminology that you may find confusing.

The basic coverage that is provided on any policy will usually relate to liability protection and common risks. In the case of vehicle insurance, you will often discover that the coverage meets or exceeds the state’s requirements. Additional coverage may be available based on the situation and your concerns.

Adding to the Plan

Many insurers will allow you to add protection to your policy based on the situation and the risks that you are worried about facing. When you are not sure about the policy that is best for your goals and needs, you may want to consider purchasing a plan that has comprehensive protection.

A comprehensive plan is more complete than a policy that is designed to address the common risks and concerns, but it may have a few exceptions and limitations. You should always find out all of the details before you determine that it is the best plan for your goals and concerns. Keep in mind that every policy is different and insurers protect against various risks that may differ between companies.

Your insurance options depend on the type of problems that you may face and the concerns that you want to address. Working with an agent can provide the information and tools that you need to find the best plan. Contact us to talk to an agent for more details.

If you are an employee who uses a personal vehicle for business purposes, commercial-auto-insurance is usually going to be necessary. Even though you might only use your personal vehicle for these business reasons on a limited basis, it is important to understand that your own personal policy will typically not include coverage for these business trips.

You need to review your personal auto insurance policy with your agent in Newark, NJ to learn precisely what is covered and what is excluded, but most personal policies have a clause that will specifically say that if the vehicle is being used for business purposes any damage caused or sustained will not be covered under the terms of the policy.

Since the personal policy will usually not cover any damage, it is important to get commercial-auto-insurance so that you are protected while making business trips, no matter how short or how infrequent they might be.

Your employer will need to be made aware of this, so be sure to speak with your employer and let him or her know that you are not covered under your personal policy and that you need to get proper protection under a commercial policy.

Your insurance agent can work with you to create a policy that includes both personal coverage for your own needs and commercial coverage for the needs of your job and your employer. When you arrange both policies with the same insurance agency, you may even be able to get a discounted rate for doing so!

Feel free to call us or contact us online anytime to get free quotes for commercial car insurance today!