Tips to Help Prevent Your Pipes From Freezing in the Winter Months

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One of the most common reasons homeowners file home insurance claims in the winter months is because winter weather has caused a pipe to burst, and now they are left with a broken pipe and possible water damage. Here at E.S.T.I.R. Inc., serving the greater Bloomfield, NJ area, we want to help you avoid this issue. Here are a few ways to decrease the chances of your pipes freezing and bursting in cold winter weather. 

Insulate Your Pipes

One of the ways that you can decrease the chances of your pipes freezing and bursting is to insulate your pipes. Insulating pipes is fast and inexpensive, and it helps your pipes to stay a bit warmer. This can be the difference between your pipes freezing or not freezing. 

Leave Water Running On Cold Nights

Another tip that can help to minimize the chances of your pipes freezing and bursting on cold nights is to leave water slowly dripping in your faucets. This keeps water moving through the pipes instead of just sitting there, which can prevent water in the pipes from freezing. 

Winterize Your Pipes When You Go Away

Lastly, if you are going away for three or more nights and temperatures will be at or below freezing, call a professional to winterize your pipes or remove the water from them. This ensures your pipes do not freeze and burst while you are away and not using water. 

While there are steps you can take to decrease the chances of your pipes freezing during winter weather, you cannot prevent the problem entirely. This is why having the right home insurance policy is so vital. At E.S.T.I.R. Inc., serving the greater Bloomfield, NJ area, we can help you with your home insurance needs. Call or email us to get started.

Will commercial insurance cover my personal car if I use it for business purposes?

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Commercial insurance provides coverage for various risks and liabilities for business owners. Our Bloomfield, NJ team at E.S.T.I.R. Inc. understands that commercial insurance can be confusing to navigate. We’re dedicated to taking the confusion out of commercial insurance.

What Does Commercial Insurance Cover?

Commercial insurance protects your business from various losses, including employee injury, theft, lawsuits and liability, property damage, and more. Other forms of commercial insurance coverage include cyber liability protection, as well as protection from business interruption. A commercial insurance policy can be created to meet your company’s specific needs. An insurance agent can help you get the specific coverage you need to protect your business. 

Will Commercial Insurance Cover my Personal Car if I Use it for Business Purposes?

You should get a commercial auto insurance policy if you use your car for business purposes. Your personal auto insurance policy will not cover an accident or any other event while operating your vehicle for business purposes. Your car insurance is designed to cover any damage or incidents that happen when your car is used for personal, not business purposes. Business owners should also understand that using your vehicle for business purposes could make your personal auto policy null and void. Commercial auto insurance will expand business owners’ limits and is the best choice if you use your car for business purposes. If you have questions about commercial insurance coverage, call us. We’d be happy to explore what a commercial insurance policy covers.

What is Contractor Insurance in Bloomfield, NJ?

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As a contractor, you need the proper insurance to protect yourself, your business, and your employees. But what exactly is contractor insurance, and what does it cover? This blog post will explain everything you need about contractor insurance in Bloomfield, NJ. We’ll also explain why it’s so important to have this type of insurance in place.

What is Contractor Insurance?

Contractor insurance is a type of liability insurance that protects contractors from financial loss if they are sued for damages or injuries resulting from their work. This type of insurance can cover many events, including property damage, personal injury, and even professional errors and omissions.

Why Do I Need Contractor Insurance?

As a contractor, you are responsible for the safety of yourself, your employees, and anyone else who may be affected by your work. If someone is injured or their property is damaged due to your work, they may file a lawsuit against you. You could be on the hook without contractor insurance for thousands of dollars in damages.

Contractor insurance can help protect you from financial ruin if you are sued. It can also help cover the cost of any repairs or medical bills that may be associated with an accident or injury resulting from your work. In some cases, contractor insurance may even provide coverage for lost wages if you cannot work due to an injury.

Call E.S.T.I.R. Inc Today!

You need contractor insurance if you’re a contractor in Bloomfield, NJ. At E.S.T.I.R. Inc., we can help you get the coverage you need to protect yourself, your business, and your employees. Contact us today to learn more about our contractor insurance options!

Four Most-forgotten Basics About Home Insurance

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If you have home insurance in Bloomfield, NJ, you must know it inside and out to get the most out of it. Regrettably, your home insurance may be put on the back burner with your hands full of personal, job, and work responsibilities. E.S.T.I.R. Inc. gives a rundown of home insurance basics you should keep at the back of your mind to harness the power of this coverage.

Don’t forget to update your policy.

Renewing your policy is good to ensure it covers your current insurance needs. We advise homeowners to review their insurance policy at least once a year. However, if you bring in a dangerous pet, do significant renovations, and buy more assets, don’t fail to notify your insurer.

Reviewing your insurance ensures you pay the correct premiums and ease the claim filing process.

Failing to understand what the policy covers

Most homeowners purchase home insurance but don’t know what it covers. How can you get the most out of your policy if you don’t know what it covers? Understand what your home insurance covers to fill gaps and simplify your claiming process.

Forgetting about home insurance exclusions

You are probably aware of what your home insurance covers. But do you know what’s not covered by your policy? Knowing home insurance exclusions helps you buy add-ons to boost your policy. It also reduces heartache when filing claims.

Typical home insurance doesn’t cover floods, earthquakes, sewer backups, and intentional damage. If you want to understand the details of exclusions, read the fine print in your policy or consult your insurance agent.

Getting it wrong with an insurance agent

Your insurance agent is like your financial advisor. If you don’t bump into the right one, they won’t give you essential advice to make informed decisions. Always opt for a knowledgeable, experienced, and independent insurance agent.

Want to learn more about home insurance in Bloomfield, NJ? Please email or call E.S.T.I.R. Inc. for more insights.

What Is Covered by Auto Insurance?

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Auto insurance is an essential purchase for anyone who owns a vehicle. Not only is it required by law in many states, but it can also save you from financial ruin in case of an accident. But what exactly does auto insurance cover? This blog post will look at the different types of coverage and what they mean for you. Whether you’re a first-time buyer or simply looking to switch providers, this is everything you need to know about auto insurance.

Collision Damage

Most people are familiar with the basics of auto insurance, but many different types of coverage are available. One of the more essential types of coverage is collision damage. This protects you financially if you’re in an accident and your car is damaged.

Collision damage can be expensive to repair, whether a fender bender or a serious wreck. That’s why having collision coverage can be so important. It can help you avoid having to pay out of pocket for repairs. If you have an older car, collision coverage may not be worth the cost. But it’s definitely something to consider if you have a newer car. Talk to your insurance agent about whether collision coverage is right for you.

Property Damage

Another important type of coverage is property damage. This protects you if you damage someone else’s property in an accident. For example, let’s say you’re in a car accident and hit a building. If the building is damaged, your property damage coverage will help pay for the repairs.

Property damage also includes other people’s property, their cars, or homes, that are damaged in an accident that you are involved in. If you are at fault for an accident, your auto insurance will pay for the damage you caused. If you are not at fault, your insurance will still pay for the damages, up to a specific limit. Sometimes, you may have to pay a deductible before your insurance pays for the damages. Depending on your policy, property damage coverage may also cover rental cars, towing charges, and other expenses.

Vehicle Theft

If your car is stolen, your insurance will cover the cost of replacing it. In most cases, the insurance company will reimburse you for your car’s actual value minus any deductible. Some policies also provide coverage for personal belongings in your vehicle at the time of the theft.

To collect a vehicle theft claim, you will need to file a police report and provide your insurance company with a copy. If you have any questions about what is covered by your policy or if you need to file a claim, be sure to contact your insurer.

Now You Know What Is Covered by Auto Insurance

We hope this blog post has helped you understand the different types of coverage available. Remember, auto insurance is essential, so shop around and compare rates before you buy. And if you’re looking to purchase auto insurance in Bloomfield, NJ, be sure to contact E.S.T.I.R. Inc. We’re here to help you find the right policy for your needs.

Protect Your Bloomfield Business with Contractors Insurance

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Protecting your company is a top priority as a business owner. That’s why you need to ensure you have the right insurance. Contractor’s insurance protects businesses that provide services to other companies or individuals.

Who Needs Contractor’s Insurance?

If you’re a contractor in Bloomfield, NJ, there are a few things you need to know about this insurance. First, all businesses that provide services to other businesses or individuals need this insurance. This includes companies that offer home improvement, landscaping, plumbing, and electrical work.

Second, contractor insurance protects your business from liability if one of your employees is injured while on the job. It also covers any damage your employees may cause to someone else’s property while working.

Third, this insurance can protect you from financial losses if your business has to stop work because of an accident or a natural disaster. It can also help you pay for any legal fees associated with a lawsuit.

An E.S.T.I.R. Inc. agent can help you find the right contractor’s insurance policy for your business. Contact us today to get started.

What Does Contractor’s Insurance Cover?

Now that you know who needs contractor insurance, let’s look at what this insurance policy covers. The plan can cover a variety of things, including:

  • Damage to property
  • Bodily injury
  • Personal and advertising injury
  • Medical expenses

The amount of coverage you need will depend on the type of business you have and the services you provide.

How Much Does Contractor’s Insurance Cost?

The cost of contractor insurance will vary depending on the size of your business and the coverage you need. However, the amount is small compared to the protection it offers.

To get a quote for contractor insurance, contact E.S.T.I.R. Inc. We’ll work with you to find the right policy for your business.

What Happens If I Don’t Have Commercial Insurance?

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Commercial insurance is a vital part of any business. It protects your company from liability and helps to ensure that you can continue operating in the event of an accident or disaster. However, what happens if you don’t have commercial insurance? This blog post will discuss the consequences of not having commercial insurance from a reputable company such as E.S.T.I.R. Inc.

Losing Money

One of the most significant consequences of not having commercial insurance is that you could lose a lot of money. If you are involved in an accident or your business is damaged, you’ll be responsible for paying for the repairs yourself. This can be extremely costly and may even put you out of business.

Going Out of Business

In some cases, the expenses associated with an accident or lawsuit can be so high that they force your company out of business. This is especially true for small businesses, which often don’t have the same financial resources as larger companies. Even if you survive the initial costs, an accident’s long-term effects can devastate your business.

Personal Liability

If your business is sued, you could be liable for the damages. This means that your assets, such as your home or savings, could be at risk. In some cases, you may even be required to sell your assets to pay for the damages. This can significantly impact your life, both financially and emotionally.

Higher Insurance Rates

If you decide to purchase commercial insurance after an accident or lawsuit, you can expect your rates to be much higher than they would have if you had purchased insurance beforehand. This is because you’ll now be considered a high-risk customer by most Bloomfield, NJ companies.

Fines and Jail Time

In some states, not having commercial insurance is a crime. This means you could be fined or even jailed for operating your business without the proper coverage. While the penalties vary from state to state, they can be severe.

Conclusion

As you can see, not having commercial insurance can seriously harm your business. If you are operating without insurance, we strongly recommend that you contact a Bloomfield, NJ insurance agent to discuss your options. At E.S.T.I.R. Inc., we can help you find the right coverage for your business. Contact us today to learn more.

How Home Insurance Protects You

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Owning a home means that you have a lot of responsibilities. One of the most important ones is to have home insurance at all times. This insurance offers several different kinds of protection to you and your home. If you don’t have the home insurance you need on your home, call us today at E.S.T.I.R. Inc. in Bloomfield, NJ.

Protection for Your House

The house needs to be protected with home insurance. Some of the coverage from these policies is coverage for the house itself. This means that if a covered event happened to your house and caused it to be damaged, the policy would pay for the damages less your deductible. When a covered event does happen, and you are left with hefty repair bills, it’s great to have this coverage. Without it, you might be able to afford the necessary repairs to keep your home intact. 

Item Protection

Your items that are inside your house are also in need of protection, and home insurance provides it. Its coverage protects everything inside your home in case of a damaging event. If your items are destroyed or damaged, the policy can pay for you to repair or replace them. With this coverage, a severe incident that destroys what you own won’t end up leaving you with anything. 

Protection Against Liability

As a homeowner, you have liability for what happens there. If someone came over and were injured in your home, you would owe them for their medical bills, other expenses, and even lost wages. Your home insurance policy covers these expenses, so you don’t have to. 

Protect Yourself and Your Home

When you have a house that isn’t being protected by home insurance, it’s time to call us. Contact us today at E.S.T.I.R. Inc. in Bloomfield, NJ.

Required Auto Insurance in New Jersey

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In New Jersey, many different types of insurance coverage are required to be in your auto insurance. Every vehicle owner must have auto insurance in the state, and the state has a no-fault system. This means that there are many rights to sue over damages that are not there. In this no-fault state, your insurance will pay for your injuries until you reach your maximum limit, no matter who was the cause of the accident. Call us at E.S.T.I.R. Inc. in Bloomfield, NJ, if you need auto insurance.

Require Coverage Types

Several coverage types are required, and even more, different amounts are required to be included in every policy. Bodily injury coverage is needed, and two amounts are required for it. The first is a certain amount of coverage for one person who becomes injured in an accident, and the second is a higher specific amount required for everyone in the accident who was injured. There is also a small amount required for property damage liability. Different amounts are required for this coverage if you are in an accident with an uninsured motorist. There is an amount for one person injured and another for everyone injured. Insured motorist property damage coverage is also needed, and the deductible for that coverage has a specific mandated amount. 

How Much Coverage?

In New Jersey, the amounts required for minimum coverage are tiny compared to most other states. It’s often recommended that you get more than the mandatory minimum to be well-covered in case of a severe accident. 

Cover Your Vehicle

Don’t go without auto coverage. If you don’t yet have the auto insurance you need, call us at E.S.T.I.R. Inc. in Bloomfield, NJ.

Get Insured: What You Need to Know Before Buying Commercial Insurance in Bloomfield, NJ

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Owning your own business can be one of the most fulfilling things you’ll ever do, but it can also come with some serious risks and consequences if you aren’t prepared. One of the best ways to protect yourself and your business is by purchasing commercial insurance, which will help guard you against potential lawsuits, property damage, and much more. 

Before buying commercial insurance in Bloomfield, NJ, here are some things you should know.

Why Do I Need Commercial Insurance?

While every business is different, there are a few common reasons businesses need commercial insurance. Firstly and most importantly, you want to be protected against significant lawsuits (and liabilities) that could cost you and your business money. 

While many people think of burglary or theft when they hear about business insurance, legal coverage is generally the first thing that comes up. After all, if someone falls on your property and breaks their leg, it will cost you money, even if it’s not your fault. 

The best way to cover yourself for these types of incidents is by purchasing commercial insurance from E.S.T.I.R. Inc. Our agents can help you find a policy that will keep your business protected if something like that happens. 

Choosing the Right Company For Your Commercial Insurance

It’s hard enough getting your business off the ground. You don’t want to waste time and energy dealing with a company that can’t handle your needs. 

E.S.T.I.R. Inc is an insurance agency that offers commercial insurance for New Jersey businesses and professional insurance plans for individuals and families living or working in Bloomfield, NJ area. Give us a call at 609-688-1800 to look at what we offer today!