Three Renovations That Can Impact Your Homeowner’s Insurance

Renovating your Bloomfield, NJ home is an extremely exciting event, as you get the chance to customize your home based on your personality and preferences. However, before you get started with the renovation, you need to take a few things into consideration. This includes how the renovations may affect your homeowner’s insurance. This is where E.S.T.I.R. Inc. comes in. We can help ensure you are adequately covered moving forward. 

Adding an Addition

Additional space is necessary for a number of instances, such as for a business venture or a new member of the family. When you add a room to your home, the square footage of the house will increase. The same is true of the replacement value of the property.

As a result, if a disaster were to strike, your home insurance policy would need to have already been updated with this new addition. This ensures that the full value of your property is taken into consideration.

Replacing the Roof

While it can be rather expensive to undergo a roof replacement project, it may be able to help you save on your insurance premiums. A new roof will offer more structural integrity and protection against the elements. The updated roof is likely to hold up better in the event of a fire, inclement weather, or other peril.

Because the roof is improved, your insurance company needs to know to ensure the proper value of the home is accounted for and to offer potential discounts for the renovation.

Installing a Pool

Swimming pools can offer relaxation, entertainment, and more. However, insurance companies view them as a liability risk. This is because you are likely to be financially responsible for expenses incurred as a result of someone injuring themselves while utilizing your swimming pool.

Therefore, it is important to speak to your insurance agent to find out what kind of impact a swimming pool can have on your home insurance. 

If you plan on partaking in any home renovations in Bloomfield, NJ, speak to an agent at E.S.T.I.R. Inc. for assistance in adjusting your home insurance policy. 

Why You Need Contractors Insurance

If you are a contractor who works in a type of business that requires a lot of work in other businesses’ properties or people’s homes, you should look into what type of contractor’s insurance you need. It is really important to do this, especially in case you are involved in an accident that causes harm to yourself or others. Contractors insurance is important for individual contractors to look into, but also the businesses who employ them.

E.S.T.I.R. Inc. in Bloomfield, NJ is proud to offer contractors insurance. Because it can be such a minefield, our agents gladly walk you through your insurance options and our quotes. 

Types of contractors insurance

Depending on the nature of your business or the service you do, you will need certain types of contractor insurance. We list a couple of the most common ones below for you:

Personal liability insurance/Umbrella insurance

Personal liability insurance is useful in case you cause someone else bodily harm or damage their property. Personal liability insurance enables you to cover any costs endured by individuals or companies.

Umbrella insurance is usually the most comprehensive type of insurance when it comes to liability, as it covers liability in most situations.

Workers’ compensation insurance

If you are not a contractor yourself, but employ others (or perhaps you are both), you should look into workers’ compensation insurance, which is usually mandatory as soon as you hire one employee. This covers the company in case the contractor is involved in an accident on the work floor and covers their costs if they need time to recover.

To look into contractors insurance today, call E.S.T.I.R. Inc. in Bloomfield, NJ or request a quote here. 

Commercial insurance for you and your business

As a business owner, you are probably used to the paperwork and issues you have to deal with daily. While sorting out proper insurance might seem like another one, it can give you a lot of peace of mind if you know you have the right one for your business. 

E.S.T.I.R. Inc. in Bloomfield, NJ can help you make sure that you have the right commercial insurance, and discuss different quotes and options with you. 

Types of commercial insurance

Different situations can require different types of commercial insurance. Some of these include:

  • You have a company car that either you or your employees use. For this, you need commercial auto insurance, which in some cases should be fairly comprehensive, just like auto insurance for personal cars you may drive. 
  • You run a call center from an office building, or perhaps you run a dog sitting company from a hall. Either way, if you own property that you use for your business, you must look into business property insurance to cover any incidents. This could be from an employee hurting themselves on the property to large-scale issues such as a natural disaster causing damage to the property. 
  • If your employees do get hurt while they are at work to the extent that they can’t work, you need to continue paying them. So this doesn’t come out of your pocket, and the employee doesn’t lose out while they can’t work. You can cover both of you via workers’ compensation insurance. 

If you want to discuss the above and other commercial insurance options, give E.S.T.I.R. Inc. in Bloomfield, NJ a call and we can talk to you about this. 

Will Sub-Contractors Get Coverage Under My Contractor Insurance Policy?

Sub-contractors are critical to the success of any construction project. Contractors will bring in sub-contractors to help make their lives easier. These professionals can help finish Bloomfield, NJ projects with more speed, high levels of quality, and great execution all around. They also need insurance, but questions may arise as to whether your contractor’s insurance policy covers them? Will your contractor’s insurance policy provide subcontractor coverage? Let us take a closer look.

Coverage for Subcontractors

When looking at a standard contractor’s insurance policy, typically coverage has its limits. You will not usually see sub-contracts getting coverage. Insurance is usually only extended to you and your full-time employees in the event of an accident or claim of a covered loss.

There are things you can do though to ensure your sub-contractors get coverage. When buying your insurance policy, you can extend your contractor’s insurance policy to cover them. This will carry an increase in your premium but will allow you to freely bring in each sub-contractor and protect them on the job.  

The other option is that you will need to require each subcontractor you hire to carry their insurance. In this instance, you just want verification they have insurance before they begin work.  


You need to have a sound awareness of what your contractor’s insurance policy covers. If you have a large-scale project in Bloomfield, NJ do not let your insurance get in the way. Take action now and begin to better understand the state of sub-contractors on your insurance policy. Work with our team at E.S.T.I.R. Inc. starting today to nail down your insurance needs.  

How New Jersey Business Owners Can Alter Their Commercial Insurance Policies For Remote Workers

E.S.T.I.R. Inc. is an independent insurance agency. We offer coverage to the Bloomfield, NJ community and the surrounding areas. We strive to ensure that our clients are protected when an emergency situation arises. Through working with multiple carriers, we are able to offer our clients multiple options.

How New Jersey Business Owners Are Impacted By Remote Workers

Commercial insurance helps your business continue to function. There are several risks associated with operating a business. Commercial insurance protects your business if your inventory is stolen or vandalized. Your property is also covered if it is damaged due to a fire or natural disaster. Liability coverage is another important part of your policy. You are covered if one of your customers is injured while they are visiting your establishment. You can also add business interruption coverage that gives you a safety net if your business has to shut down for a few months.

Over the last couple of years, research shows that remote working opportunities continue to rise. Perhaps you have added the ability to work remotely to your Bloomfield, NJ business. Worker’s compensation protects your business if one of your employees is injured in the workforce. Remote workers are eligible for worker’s compensation, as long as they are contracted, employees. Make sure that your remote employees are working in a safe environment. If necessary, you may ask for pictures of their home office.

Cyber-attacks are a major threat to the online workforce. Hackers are constantly looking for ways to infiltrate networks and corrupt data. Cyber liability coverage protects your business if you suffer a data breach that leads to your customers or employees having their personal information stolen. If your employees are using business equipment while working from home, commercial property insurance covers any damages.

E.S.T.I.R. Inc. Will Help You Protect Your Investment

Visit our website to learn more information about commercial insurance.  

General Contractors Insurance Made Easy

As a general contractor in Bloomfield, NJ, you are busy working at job sites, finding new projects to take on, and dealing with clients and their construction needs. The last thing you need to worry about is your insurance policy. Purchasing an insurance policy depends significantly upon the type of general contractor you are. 

For help to understand general contractor insurance, reach out to E.S.T.I.R. Inc. for additional information. 

What Is a General Contractor? 

A general contractor is a manager employed to oversee the construction of a project and is responsible for the overall coordination of jobs related to the project. Essentially, the general contractor is the person in charge of a construction project. 

What Is a Paper General Contractor? 

Paper general contractors are those who manage construction projects but do not do any physical work. Instead, these contractors hire subcontractors to do all the work for their clients. 

What Is a Working General Contractor? 

A working general contractor works in the field, only subcontracting jobs he is not certified or trained to complete. Most of the work is conducted by the working contractor’s company, 

Why Do I Need General Contractor Insurance? 

As a general contractor who hires subcontractors, you still need to get insurance coverage. Your general contractor insurance protects you from the many things that can happen when hiring subcontractors for jobs. Though subcontractors carry their insurance policies, your insurance covers you should anything happen on the job site, including theft and injury. 

Working general contractors need to carry liability insurance, which includes worker’s compensation. The insurance company bases general contractor premiums based on the risk, so working general contractors generally have a higher premium payment than paper contractors. 

Bloomfield, NJ contractors need to research and understand which insurance coverage is required for their type of work. The experts at E.S.T.I.R. Inc. are knowledgeable in contractor insurance and can help create the perfect plan for your needs. 

What to Consider when Purchasing Commercial Insurance

If you are a business owner, then commercial insurance is crucial. There are many facets to consider when purchasing commercial insurance, so let E.S.T.I.R. Inc. serving the Bloomfield, NJ area, help you!

The best place to start when looking to purchase commercial insurance is to establish clearly what sort of business you are in. Are you in retail? Manufacturing? Childcare? Are you a working professional?

What are your assets and liabilities? Which of your assets are most at risk and need the most protection? Similarly, which part of your business is most at risk? For example, a retail business may be stock-heavy, and adequate coverage will be needed. 

Do I have employees? What insurance is available to me for my employees? Do they work in a dangerous environment or operate heavy equipment?

Do I have customers and suppliers on my premises? Will I need liability insurance?

Are natural disasters a regular occurrence? If yes, then what insurance is available for me? Is commercial insurance sufficient, or do I need additional insurance? Is there business interruption insurance included in my commercial insurance if I need it?

Do I own the building where my business is situated, or do I lease the building? What are the insurance requirements according to the lease? If the building has a glass storefront, is glass insurance included in my commercial insurance?

There are many areas to consider when purchasing commercial insurance. It is important to be very clear about what your business is and what your insurance needs are. E.S.T.I.R. Inc. serving the area of Bloomfield, NJ is there to help you find the most comprehensive insurance for your needs. Contact them today!

Who should get commercial insurance when they are in New Jersey?

When you live in the Bloomfield, NJ area and are considering a new career path, becoming an entrepreneur is a great option. If you are going to start a business when you are in this area of the state, you will benefit from the great local economy and support given to small organizations. Along with starting a company, you also need to choose a quality insurance plan. There are several situations when a business owner here will need to get commercial coverage.

When Purchasing Important Assets

One situation when a business owner is going to need to have commercial insurance is when they are purchasing important assets. If you are going to purchase equipment or other major assets, you will want to know that you can replace them if they are damaged or stolen. With a commercial coverage plan, you will have the protection that you need in these situations. 

When Obligated to Carry Coverage

You may also need to get this insurance if you are obligated to carry it. There are many situations when having this protection will be necessary. If a business owner has taken out a loan, raised money from investors, or even lease a place of business, they may enter into agreements that will continue to require insurance coverage. This will ensure that you remain in compliance at all times. 

Those that are going to own or manage a business in the Bloomfield, NJ area will want to know that they are picking the right insurance plan for their situation. A great way that you can get the support you need to choose the right insurance plan is by calling E.S.T.I.R. Inc. There are a lot of factors to consider and E.S.T.I.R. Inc. can help you choose the plan that provides the ideal coverage. 

How Contractor Insurance Can Protect Your Landscape Business in New Jersey

If you are running a landscape business in Bloomfield, NJ, you need to have contractor insurance for the multiple liabilities you could face on the job. As a contractor, you are exposing yourself to a number of risks every day. You deal with heavy machinery, sometimes even heavier landscaping, and the properties of commercial and residential customers.

At E.S.T.I.R. Inc. we want Bloomfield, NJ landscapers to be protected with contractor insurance that will cover them for every emergency.

Standard Contractor Insurance Coverages for Landscape Businesses

The most common kind of contractor insurance your landscape business needs to start with is general liability insurance and commercial auto insurance. These insurances will cover you for property damages and personal injury. 

They will also cover you for your commercial fleet or vehicle that you use for transporting yourself, employees, and materials and equipment.

Extended Contractor Insurance for Landscape Businesses

In addition to basic coverages, you can apply for a business owner’s policy that will protect you from a third-party claim or lawsuit. Even a claim about a landscape product that the client didn’t like could land you in court. Things like this could be covered under commercial liability insurance.

Medical expenses may also be added to your contractor insurance. There are a number of accidents that could happen on the job to you, an employee, or a client. If someone trips over a hose or an electrical cord, or worse, the cost could be applied to you. 

Any problems that happen during your work on the landscape could put you in a legal bind that could bury your business. Contractor insurance shields you from the expense of those liabilities.

Get a Quote

When you are covering your bases for your landscape business, contractor insurance with liability coverage is a must. At E.S.T.I.R. Inc., we want Bloomfield NJ contractors in the landscape business to be protected during every possible problem. Call us for a quote for contractor insurance today. 

Why do I need contractor insurance in New Jersey?

The Bloomfield, NJ area is a great place to live and work as it has a strong local economy. Due to this, it can also be a good place to be if you are a contractor. While there is a lot of room for potential success as a contractor in this area of New Jersey, there are also risks involved. One way that you can offset some of these risks is by getting a contractor’s insurance plan. 

Insurance Protects Assets of Business

A reason that you should get a contractor insurance plan is that it can protect the assets of your business. As a contractor, you are going to invest a lot of money into equipment, tools and other assets that are needed to run your business and serve your customers. When you get a full contractor’s insurance plan, it is going to offer the protection that is needed to cover these assets. 

Insurance Gives Liability Coverage

You will also want to get a contractor’s insurance plan due to the liability protection. Anyone that is going to be a contractor will be taking on risk if they cause damage at a job site or someone is injured as a result of their work. This could be a very significant expense if you are found liable for damages. Fortunately, this risk can be mitigated due to the liability protection provided by a contractor’s insurance plan. 

When you would like to get a contractor’s insurance plan in Bloomfield, NJ would be wise for you to call E.S.T.I.R. Inc. The insurance team with E.S.T.I.R. Inc. understands the importance and value of this type of coverage. They can help you by assessing your individual risks and building a policy that will provide the best overall coverage.