Top Reasons to Have Toy Insurance

Your “toys” are the vehicles you use to relax, have fun, and spend time with friends and family outdoors. These are the things that make a Newark, NJ vacation worth it: motorcycles, snowmobiles, golf cards, travel trailers, ATVs, boats, jet skis, and more.

When you use these vehicles, you don’t want to have to worry about what would happen if an unexpected accident occurred and your vehicle was wrecked, totaled, damaged, or stolen. You don’t want to have to worry about expenses you might have to pay for liability either. And in this case, that means that you need to have a great toy insurance plan for these vehicles. Specifically, here’s why this is important:

• Fire Protection

Fires, where vehicles are stored, are more likely than you might assume. Toy coverage can take care of this for you.

• Collision Protection

Accidents happen, and if you experience a collision or total your vehicle, you want to know that your insurance will be there.

• Theft Protection

This insurance can also protect you in the event that your vehicle is stolen or broken into. Keep in mind that it likely will not protect any valuables that are stolen, however.

• Liability Protection

Finally, if anyone or anything is hurt or damaged on or around your vehicle, your toy insurance will protect you from liability claims and can help you when you’re liable for medical bills and other damages.

Call E.S.T.I.R. Inc. Today to Learn About Your Toy Insurance Options

If you’re a Newark, NJ resident who is interested in learning more about liability insurance, contact E.S.T.I.R. Inc. We are proud to serve your area, and one of our knowledgeable representatives would be glad to speak with you and your family about your toy insurance options. Give us a call or visit our nearest location at your earliest convenience.

3 Ways to Protect Your Small Business with Commercial Insurance

As a small business owner, you’re bound to face business risks that can jeopardize the success of your business. Commercial business insurance from E.S.T.I.R. Inc. offers a practical and effective means of protecting your Newark, NJ enterprise against the threat of theft, vandalism or natural disasters. Here are a few ways commercial insurance can protect your interests.

Protection of Business Property

Commercial property coverage is designed to protect your business property, ranging from your building to office furniture, equipment, and products you manufacture or sell. If disaster strikes, damaging your building, equipment or goods, your insurance will pay for replacement or repairs according to the coverage in your policy.    

General Liability/Worker’s Comp

If a customer should have an accident while visiting your company, you could face the threat of a lawsuit for personal injury or property damage. General liability insurance not only covers injury and property damage claims resulting from accidents on your property but will pay for legal expenses in the event of a lawsuit to protect your interests.

Worker’s comp coverage covers injuries of employees in the event of an accident on the job. By protecting the interests of your workers, you can minimize the threat of lawsuits.

Business Interruption

If your business suffers serious damages due to a disaster and you are forced to close temporarily for repairs, business interruption insurance can save you from financial loss by covering loss of income during this interim period. Business interruption also covers employee wages, loan payments, taxes and the cost of renting your building which still needs to be paid even though it’s under repair. This financial assistance can be instrumental in keeping your business going through a crisis.

To learn more about the benefits of commercial insurance coverage for your small business, contact  E.S.T.I.R. Inc., Newark, NJ.