Colstan & Associates

10/16/2026

Do you know the difference between personal and commercial umbrella insurance?

When it comes to protecting what matters most, having the right coverage can make all the difference.

🏠Personal Umbrella Insurance provides an extra layer of liability protection for you and your family, helping safeguard your personal assets when covered claims exceed your underlying policy limits.

🏢Commercial Umbrella Insurance provides additional liability protection for your business, helping protect against costly covered claims that exceed your underlying commercial policy limits.

The bottom line? Both offer valuable extra protection, but they're designed for different risks.

At Colstan & Associates, we're here to help you understand your options and find coverage that fits your needs.

Contact us today to learn more!

10/15/2026

Heavy-Duty Towing Requires the Right Coverage.

Colstan & Associates now offers up to $1.5 million in liability coverage for New Jersey tow operators running trucks over 26,000 pounds.

We're committed to providing insurance solutions that meet the evolving needs of the towing industry.

Contact us today to learn more about these coverage options!

10/15/2026

Do you have a startup and are looking for business insurance?

The coverage required by law includes:
- Workers compensation
- Commercial general liability
- Professional liability insurance

Professional liability insurance, or E&O coverage, helps protect your business if a client claims your work, advice, or services caused them financial loss.

It may be required for professions like consultants, accountants, architects, and engineers.

One key detail: your policy generally needs to be active when the claim is filed.

Call Colstan & Associates to get a free quote today!

10/14/2026

You may think your condo association’s master policy provides all the coverage you need, but it typically focuses on the building’s exterior, structure, and shared spaces, leaving gaps that your own condo insurance can help fill.

Condo insurance can help cover:

• Interior features you’re responsible for insuring, such as flooring, cabinets, and fixtures.
• Personal belongings, such as furniture and electronics.
• Personal liability if you’re held responsible for someone’s injury or damage to their property.
• Additional living expenses if a covered loss makes your unit unlivable.

Reach out to us to review your condo insurance and discuss potential gaps in coverage.

10/14/2026

Do you have a startup and are looking for business insurance?

The coverage required by law includes:
- Workers compensation
- Commercial general liability
- Professional liability insurance

Commercial general liability insurance is often required when signing a commercial lease or entering into contracts with larger clients.

Landlords and clients often require proof of coverage, so make sure your policy fits your business needs.

The right coverage helps keep opportunities moving forward without unexpected roadblocks. Contact us today to see how we can help!

Check out part 3 to learn about the importance of professional liability insurance!

10/13/2026

Do you have a startup and are looking for business insurance?

The coverage required by law includes:
- Workers' compensation
- Commercial general liability
- Professional liability insurance

Workers’ comp insurance helps cover medical expenses and lost wages when an employee is injured on the job.

If coverage is required, going without it can come with serious consequences, including fines, personal liability, and even potential criminal charges.

Make sure your business has the protection it needs and call us today for a free quote!

Check out part 2 to see why commercial general liability is also important!

10/12/2026

Small steps. Consistent effort. Big results. 🙌

Keep showing up and putting in the work. It all adds up! 💙

10/10/2026

Five stars and kind words like these make our day! ⭐⭐⭐⭐⭐

Making insurance feel simple, stress-free, and easy to understand is always the goal. Thank you, Michael, for trusting the Colstan team and for taking the time to share your experience! 💗

10/10/2026

10/10/2026

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