When you decide to get contractor insurance, you want to get what’s going to properly protect you and meet your needs. If you’re in the Bloomfield, NJ area, E.S.T.I.R. Inc. can help you get the coverage that’s right for you. Don’t hesitate to ask plenty of questions, either. That’s what your agent is there for. With the right questions and answers, you’ll feel secure in the policy you choose and have confidence that the coverage you have is going to properly protect your interests. We can help with that because we understand the importance of having the right insurance.
Don’t Choose Contractor Insurance Without Information
Your agent should be able to answer all the questions you have about contractor insurance and what kind of policy you need, including:
1. How much coverage do you need?
2. Are there any extra riders or coverage options you should choose?
3. How often should you review or update your policy?
4. Is there more than one kind of contractor insurance to choose from?
By getting your questions answered, you can make a knowledgeable choice about the level and type of contractor insurance you actually need to be successful in your business. With good coverage, your peace of mind will be higher and you can get back to the business of running your contracting company.
Reach Out to a Trusted, Reliable Insurance Agent Today
If you’re in the Bloomfield, NJ area, contact us today at E.S.T.I.R. Inc. We can help you get the contractor insurance you need, and we’ll be more than happy to answer all the questions you have about any policy we suggest to you. As your business grows and changes, we can also help you make changes so you always have the level of protection you really need the most.
Do you own a small business in the Bloomfield, NJ area? If so, you’d do well to get set up with general liability commercial insurance. Read on to learn what general liability coverage means in this state and contact E.S.T.I.R. Inc. with any additional questions.
General Liability Definition
This is the most basic type of commercial insurance. Also known as Comprehensive Commercial Liability, it covers bodily injury claims, as well as claims about other physical injuries and property damage. This includes expenses related to defending or settling claims, regardless of whether or not they’re fraudulent ones. You must remember that such policies exclude professional liability claims that are against your business.
Customize Your Policy
After you have your basic liability insurance policy set up for your business, make sure to look into coverage that will insure against risks that are relevant to your type of business. If you get a property package added on, this can cover theft and damage to your business property, such as computers and hardware.
Requirements for General Liability in NJ
General Liability coverage is required in New Jersey for the majority of business owners. This is in place to protect business owners from having to pay a large amount of out-of-pocket expenses for direct or indirect damages to another party. The insurance will help you pay for damages that have been caused by the actions of your employees or business itself. This includes the personal injuries of your visitors, sub-contractors, and customers. It also will cover damages to an individual’s property, whether it’s on your business property or damaged by a company vehicle or the work activities of an employee or sub-contractor.
If you’d like to learn more about general liability insurance and the options you have, contact E.S.T.I.R. Inc. of the greater Bloomfield, NJ today. You won’t regret reaching out for assistance with your general liability matters.