Month: August 2025

Insurance Protection Against Intruders at Your Place of Business

Posted on by AgentInsure

Consider how easy it would be for an intruder to disrupt your place of business. Then, take proactive steps to safeguard your business against criminal activity. Adding commercial insurance protection can help restore your business if it is ever broken into.

An Inspection

Conduct a thorough inspection of your business property. Assess the land your business is situated on and examine the condition of the building itself. Take note of any inconsistencies or vulnerabilities in the design of your business.

Pay close attention to the access points surrounding your property. Your inspection will help you determine the security of your commercial property and identify areas that may need improvement.

Security Measures

Implement security measures to prevent intruders from gaining access to your business. Install surveillance equipment, locking gates, fencing materials, and other security aids. If you already have security devices installed on your property, ensure they are inspected regularly to confirm they are functioning properly.

Commercial Insurance Coverage

Explore commercial insurance products designed to protect your business. Insurance that covers your commercial property can safeguard essential items if they are stolen or vandalized.

Some types of coverage may also cover the cost of cleaning and inspecting items damaged during criminal activity. You can customize your insurance policy to include as much coverage as needed to provide peace of mind.

If you make changes to your business, it’s a good idea to conduct another inspection. This allows you to update your policy to reflect your current needs.

Agent Assistance from E.S.T.I.R. Inc.

Once you’ve completed the steps above, you may still have questions or concerns. You can discuss your insurance needs by contacting one of our agents. An agent serving Bloomfield, NJ is always ready to assist you with your questions or concerns about your commercial insurance policy.

Frequently Asked Questions About Contractors Insurance

Posted on by AgentInsure

If you’re a contractor, you already know that every job comes with its share of risks. From property damage to on-site injuries, having the right insurance is essential. At E.S.T.I.R. Inc. in Bloomfield, NJ, we often get questions from contractors who want to understand exactly what they need. Let’s break it down in a way that’s easy to understand.

What Does Contractors’ Insurance Actually Cover?

Contractors’ insurance typically includes general liability, which covers third-party injuries or property damage. Depending on your business, you might also need coverage for tools and equipment, commercial vehicles, or workers’ compensation. The goal is to protect your business from costly claims and keep your projects running smoothly.

Is It Required by Law?

In many cases, yes. Some states require certain types of insurance for contractors to operate legally. Even when it’s not mandated, most clients won’t hire a contractor who isn’t insured. It’s a sign of professionalism and responsibility—and it protects both you and your clients in case something goes wrong on the job.

How Much Coverage Do I Really Need?

The amount of coverage you need depends on the type of work you do and the size of your projects. A small-scale handyman might need different coverage than a general contractor overseeing large commercial jobs. The key is to assess your risks and ensure your policy reflects your actual needs.

At E.S.T.I.R. Inc. in Bloomfield, NJ, we specialize in helping contractors find the right insurance solutions. Whether you’re just starting out or looking to update your current policy, we’re here to guide you every step of the way. Give us a call and let’s make sure your business is protected from the ground up.

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