Tag Archives: Bloomfield NJ

What is Contractor Insurance?

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Being a contractor is a great profession that has the potential to make you a lot of money and to help people. If you are considering becoming a contractor or if you are already a contractor, contractor insurance is a must. For those that live in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you find the right policy for your business.

Contractor insurance, much like any other specialty insurance policy, is geared toward making sure that you have the right policies to cover all the liability and issues you might come up against as a contractor. This type of policy is going to be a bundle policy that combines things like general liability, commercial property, business owners, and more together into one easy to pay and easy to use policy. This helps contractors to make sure they have all the coverage they need without having to go through and find each and every policy that might apply.

This type of bundle also often comes with a discount that helps make all the necessary insurances more affordable and easier to take out. For those that have a contractor business, this type of policy is going to take the guesswork out of the policy you need and is going to help you make sure you are fully insured before you ever set foot on the first worksite. With any business, there are a large number of different coverages that you need to help make your business protected and to provide protection to your customers.

For those that live in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you to find the policy that fits your needs, that has the right coverage for you, and that meets the overall needs of your business.

Is there an easy way to make a home inventory?

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No one likes to think of having a fire or burglary in their own home, which should be a safe place. That is one reason people put off making a home inventory, even knowing they will need the inventory later if something happens.

The job can also seem overwhelming, but there are some tricks you can use to make it easier. At E.S.T.I.R. Inc. we assist our Bloomfield, NJ customers so they will have the records they need if they ever have to make a claim.

Traditional Inventories

In the past, people would simply try to list their possessions. Dividing the task into rooms makes it easier, as you can do one room a week until you’re done. Make sure to get serial numbers off electronics.

Video

A really great trick is using your phone to video your home and belongings. You will not only find it easy to work at your own pace, but you will also have a record of the condition of all your items. You can prove that your various items and gadgets were in working condition at the time of the inventory. You can also still choose to do a room at a time, to keep the job manageable, and make sure you get identifiers like serial numbers. When you record your inventory, you won’t have to worry about leaving the list in a safe place.

If you do need help making your home inventory, don’t hesitate to ask. We have helped our Bloomfield, NJ customers find a way that will make it easy to access those important records later. If you want to talk about home inventories, or if you just want to discuss our homeowners and renters policies, don’t hesitate to call E.S.T.I.R. Inc. today.

Four Benefits of Proper Car Maintenance

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At E.S.T.I.R. Inc. the agents understand how important your vehicle is your daily life. Without it, you would at a loss, unable to go to work or care for your family. The agents are always available to Bloomfield, NJ residents to answer questions about auto insurance or offer a few sound maintenance tips to keep your car in top shape.

Better Gas Mileage

Regular maintenance and service checks keep your car running efficiently and will help to improve your gas mileage. This saves you money in the long run and also reduces wear and tear.

Better Overall Performance

Regularly scheduled oil changes and service checks can bring your car’s engine back to factory standards in terms of how the engine runs. Changing your air and oil filters allows the engine to have what it needs for maximum efficiency and better overall performance.

Fewer Breakdowns/Repairs

Having your car thoroughly inspected and serviced according to the factory’s recommendations will prevent breakdowns and keep repairs to a minimum. By catching problems when they are small, you can eliminate larger repair bills.

Maintains Its Value

Cars that are properly maintained hold their value for a much longer period of time. This increases trade in value and ensures you get the most out of your investment.

The agents of E.S.T.I.R. Inc. serve residents throughout the Bloomfield, NJ area. When it comes to auto insurance and how to make sure you get as much out of your investment as possible, it’s important to understand how important maintaining your vehicle really is. Call and schedule an appointment with one of their agents at your earliest convenience. They have the answers you’ve been looking for. 

Tips for Starting Your Own Contracting Business

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Starting your own business can be extremely profitable. In fact, some individuals earn a substantially higher income working for themselves than they would for a company. However, the process of actually establishing your business isn’t as easy as you may think. With a few simple tips and insurance from Bloomfield, NJ’s E.S.T.I.R. Inc. you can get started with the highest potential for success. 

Getting Proper Licensure 

You can’t just start offering your services as an electrician without getting the necessary licensure. If you want to start a business and work as a contractor, you need to get a general business license. You also may need specific business licensure. For some contracting jobs, you may need certifications to prove your credentials. 

Insurance 

Before you start advertising, you need to look into insurance. Insurance is necessary for contractors. It helps protect their assets in the event something should happen to a client’s property. For instance, let’s say you’re doing electrical work in someone’s kitchen. You accidentally drop the screwdriver and it tears through the person’s linoleum. Instead of the person suing you, the insurance you have covers the expenses. You can also utilize your insurance if you should happen to make a mistake on the job. 

Learning to Market  

In today’s technology savvy world, marketing is easier than ever. You may create social media pages specifically for your business and use your own personal page. You have the option of sites like Craig’s List to post an ad for your services. Linkedin is another excellent place. You create a page listing all of your information. Your name comes up in the search results, and you have the option to connect with other contractors and businesses in your area. 

Call E.S.T.I.R. Inc. today for a quote for insurance for your contracting business. We serve Bloomfield, NJ and the surrounding area and are available by calling 973-481-5300.

 

Does Commercial Insurance Cover Technology In the Business?

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Commercial insurance covers a huge range of different aspects of your business including the technology that is required to keep your business going. If you have a commercial policy, it is always best to see just what the policy covers in order to understand entirely what your policy is going to pay for should you have to use it. If you live in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you to find the perfect commercial policy.

Keeping in mind that many businesses use some sort of technology to help them function, it is necessary that commercial policies cover the technology that is used to keep the business going. This means that commercial policies cover things like the computers that house the inventory, cash registers, office computers, anti-theft devices and more that are all used to help the business proceed with daily activity. If you have a business for instance that is destroyed in a fire, your policy would help to give you a monetary amount to help buy new computers and new technology to help recover the business.

A commercial policy is going to cover pretty much anything that is going to help your business run on a day to day basis. It is also going to cover inventory, the shelving and other display items, the building itself, and to a certain degree, can help pay for employee injury if something happens to your employees while you are at work. If you live in the Bloomfield, NJ area, the agents with E.S.T.I.R. Inc. can help you to find the perfect commercial policy for your needs so that you can be fully covered no matter what, even your valuable electronics that are used to keep your business running.