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!