Getting the Right Commercial Insurance Policy is Vital for Your Business

Businesses have different insurance needs than consumers, and when it comes to getting the right policy for your business you want to be sure you have what you actually need. With that in mind, E.S.T.I.R. Inc. can help with your Newark,  NJ business insurance needs. Whether you have a small, home-based business or a large industrial operation, or anything and everything in between, the right policy is critical. You have to protect your customers, but you also have to protect yourself and your employees and business, as well.

There are a number of great ways to increase the level of protection you give to everyone involved with your company, but one of those ways is to have a commercial insurance policy you know is right for your needs. Every business is different, and what needs to be covered in an office setting is far different than the kind of coverage needed in a factory. The number of employees, type of business, location, and whether customers are going to be on-site all matter. The right agent will ask questions, listen to your concerns, and ensure that they are advising you about the best policy for your needs.

Reaching out to E.S.T.I.R. Inc. in Newark, NJ is a great way to get the commercial insurance policy you need. Then you’ll have the coverage you want, and the peace of mind you need, to keep your business protected now and in the future. You’ll also have an agent you can work with, and one that can answer your questions and make changes to your policy anytime you need it. That will help protect your investment in the business, and also reduce your liability when it comes to injuries and other risks a business takes during normal operation.

Homeowner 101 Knowledge About Contractor Insurance

If you’ve had your home in Newark, NJ for a while, you’re likely going to face the reality that a live-in structure will eventually need repair. Or you may have decided it was time for some renovations. Either way, the home needs some help, and a lot of what is involved requires specific skill and expertise to solve. That then means hiring a contractor to come in an do the work. However, before you trigger that latest task app on your phone or call a contractor in the yellow pages, you need to be aware of what contractors insurance means for you, the customer.

Contractors are generally required by law to be licensed and bonded. This means they go through basic skill and knowledge testing, secure a license with the state or local government in Newark, NJ to identify them as a business and individual, and they take out insurance to cover their work. The last part is the critical one because there have been enough cases where a "contractor" takes people’s money for a job and then never completes it, leaving damage and more costs to repair. A bond, essentially an insurance policy, is the homeowner’s protection to seek recovery when a contractor doesn’t follow through on the work promised and paid for or causes even more damage than repair.

Because contractor bonding laws and insurance tend to be a bit archaic, just trying to look up the information on the Internet can be confusing. Instead, working with the staff at E.S.T.I.R. Inc. you can get straight answers about how contractors insurance works as well as your own homeowner’s insurance if needed. Then you can start your project with some peace of mind. Give E.S.T.I.R. Inc. a call today to find out more.