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Author: admin

Life Insurance: What Is It, What Can It Do For You

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By definition, life insurance is a legally binding contract between an insurer and a policyholder that pays out a set amount of money generally after the insured person’s death or sometimes after a set period. It may sound a bit morbid, but it’s really necessary if you have people you want to take care of after you’re gone. 

All You Need to Know

While life insurance guarantees a death benefit to the policy owner upon the death of the insured person, in order for the policy to remain in force, a single premium must be paid by the policyholder either upfront or in regular premiums over time. Upon the policyholder’s death, the named beneficiaries of the policy will receive said policy’s face value. This is known as a death benefit. In the event that the issuer can’t pay the claim, state guaranty funds may pay it off.

Term Life Insurance and Permanent Life Insurance Policies

Term life insurance policies are expected to expire after a set number of years. Permanent life insurance policies, as the name suggests, remain active until the insured person either ceases to pay the premiums, dies, or surrenders the policy.

Contact Bajorek Agency Inc. Serving Rochester, NY

Purchasing a life insurance policy may seem difficult, but it shouldn’t be with the wrong company. If you live in the Rochester, NY area and are looking to purchase life insurance, don’t hesitate to contact Bajorek Agency Inc. Our proficient and helpful agents will do all they can to help you get the right policy. 

What is the value of having an auto insurance plan in New York?

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When you are a resident of the Rochester, NY area, you will quickly find that it makes a lot of sense to own your own car. When looking to buy a vehicle in this area, you also need the right insurance. A full auto insurance plan offers various forms of value, making it a significant investment and policy selection. 

Ensure the Vehicle is Covered

A reason that you will want this insurance is so you know that your car is protected. Any vehicle today can take a major investment to acquire. If you are properly insured, you will be protecting this investment. This can help ensure you have proper support to repair or replace the vehicle if it is damaged in an accident, stolen, or you incur another loss.

Comply with Requirements

Insurance is also a good idea to get so you can comply with requirements. The state of New York will obligate anyone looking to purchase a car to carry liability insurance at all times. Further, when you take out an auto loan, the lender will require you to carry insurance to protect your vehicle. With the right insurance, you can stay in good standing with all such requirements. 

If you choose to purchase an auto insurance plan in the Rochester, NY, area, you will want to know that you are selecting the right policy for your situation. A great way that you can be assured that you select the right policy is by calling our professionals with the Bajorek Agency Inc. At the Bajorek Agency Inc., we know the value of this coverage and understand how complex picking a plan can be. We will offer the help you need to build your next policy. 

How Commercial Insurance Protects Job Site Issues

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Commercial insurance helps protect a business from financial losses caused by unexpected events. It could mean a lawsuit, natural disaster, or an accident at a job site. The Bajorek Agency Inc. in Rochester, NY has the experience and knowledge to create a policy with liability coverage for bodily injuries, property damage, and potential work stoppages. 

Add Liability Coverage to Your Policy

All commercial insurance policies will include liability coverage in the written agreement. It protects an owner from insurance claims after work-related injuries or personal property damage has occurred at a job site. Too often, new business owners fail to have the proper commercial insurance coverage, which forces them to pay massive settlements. The legal fees to resolve such disputes can be quite expensive. Adding liability coverage to your policy will help contest such lawsuits without jeopardizing the future of your business.

What Level of Liability Coverage is Needed

There are different levels of liability coverage for each business type. An owner must evaluate their commercial insurance needs by determining the level of risk at their job site. Often, the answer is the workplace dynamics associated with completing a task or service. 

Commercial General Liability vs Professional Liability Coverage

The difference between commercial general liability and professional liability coverage is the risks associated with your business. 

Most insurance agents define commercial general liability as covering all physical risks found at a job site. They can include work-related injuries and personal property damages. It has become the universal coverage choice for most businesses. However, most owners fear commercial general liability does not cover every potential job-site risk.

Professional liability coverage protects a business from workplace errors that occur. It is the perfect addition to a standard commercial insurance policy for businesses susceptible to malpractice, negligence, or product error lawsuits. Professional liability coverage protects businesses that provide personal services to the masses.

Schedule A Consultation Today

If you need further information on commercial insurance for your business, contact the Bajorek Agency Inc. in Rochester, NY. Our staff has the experience and knowledge to create a policy that meets our client’s insurance needs. Call and schedule an appointment today. 

Drone Technology in Claims Assessment for Home Insurance

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Drone technology has emerged as a game-changer in home insurance claims assessment in the Rochester, NY area. By leveraging aerial perspectives, insurers can enhance the speed, accuracy, and efficiency of evaluating property damage, ushering in a new era.

Drone Technology & Home Insurance

From Hours to Minutes

Traditionally, claims assessors would physically inspect properties to gauge the extent of damage. Drones expedite this process by swiftly capturing high-resolution images and videos. This reduces the time required for assessment and allows insurers to respond promptly to claims.

Precision in Detail

Drones equipped with advanced imaging technology provide a level of detail previously challenging to achieve. Insurers can now obtain comprehensive visuals of damaged areas, enabling more accurate assessments. This precision ensures that claims are evaluated thoroughly.

Minimizing Risks in the Field

Sending assessors into potentially hazardous environments, such as after a natural disaster, can pose safety concerns. Drones mitigate these risks by offering a non-intrusive method of capturing data. Assessors can operate drones from a safe location while still obtaining the necessary information to assess damage effectively.

Harnessing Analytical Power

Drone technology not only captures visual data but also integrates with advanced analytics. Insurers can employ machine learning algorithms to analyze images and assess the severity of damage more precisely. This data-driven approach enhances decision-making, allowing for a more nuanced understanding of the claims landscape.

Navigating Regulatory Frameworks

While the benefits of drone technology are evident, insurers must navigate evolving regulatory frameworks. Compliance with airspace regulations and privacy considerations are paramount. As these frameworks evolve, the full potential of drones in claims assessment is likely to expand, offering even greater efficiency and precision.

How Bajorek Agency Inc. Can Help You

At Bajorek Agency Inc., we can help answer questions concerning home insurance. We serve the Rochester, NY area. Contact us today.   

3 Ways to Protect Your Classic Car Exterior

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Owning a classic car comes with some responsibility since you want to preserve its look for a long time. While it may seem like natural wear and tear will happen, there are some things you can do to project the classic car exterior and prevent long-term damage from developing.  Bajorek Agency Inc., serving the greater Rochester, NY region, is here to assist with classic car insurance and related assorted tips. 

Protecting Your Classic Car Exterior

1. Your Car Cover Matters

Not all car covers are the same, and the best way to protect your classic car is to invest in one made from breathable material so that moisture is not trapped. Too much moisture can damage the paint on a classic car and cause it to peel over time. In areas with lots of snow, the air will increase with humidity, and that moisture will get trapped beneath a tarp or other car cover. 

2. Park Under a Shelter

The last thing you want to do with your classic car is park it directly in the sun for long periods. The sun will cause the paint to dry out and peel, causing long-term damage to the exterior. The same goes for parking under trees that drop leaves, nuts, and sap all over the car. The best practice is to make sure that you are storing your classic car under a shelter where the outdoor elements are controlled. 

3. Wax Your Classic Car

Every time you wash your car, ensure you finish with wax. This provides an additional layer of protection, which is important when you are driving the car or having it out at shows for others to enjoy. The damage from the elements is minimal when the car is waxed regularly. 

Schedule A Consultation Today

If you are a classic car owner in the greater Rochester, NY area, feel free to reach out to our agents at Bajorek Agency Inc. for a personal quote today. 

How Motorcycle Insurance is Different From Auto Insurance

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You’ve just bought a shiny new motorcycle and are about to enjoy the freedom of the open road. Many people think that their auto insurance policy will cover their bike. But wait a minute, you need separate motorcycle coverage in Rochester, NY to receive sufficient protection for you and your road machine. Although policies covering autos and motorcycles have many similarities, you’ll find several differences when you work with Bajorek Agency Inc. to get a policy.

Why These Policies Differ

Essentially, autos and motorcycles are two different types of vehicles. Motorcycles travel faster than autos, but in most instances, they accommodate the person operating the bike. Autos travel more slowly but have room for additional passengers. At the same time, automats have a shell that offers some protection to those inside, while cyclists are more exposed to possible injuries.

Similarities Between Policies

You’ll find some of the same coverages. In fact, New York requires the same state minimums for bodily injury liability and property damage. However, that involves minimums. As a motorcycle rider, you’ll want to have additional coverage, especially when it involves your safety. You’ll also find collision and comprehensive on both types of policies, as well as provisions for uninsured motorists.

Additional Coverage to Consider

Motorcycle owners should consider the following when requesting a policy:

  • Personal injury protection if you are thrown from your vehicle
  • Guest passenger liability for someone riding behind you
  • Laid-up coverage  insures you against theft, fire, and other threats during winter storage
  • Add-ons for roadside assistance, transport trailer coverage, and specific coverage for custom accessories, parts, and equipment

Schedule A Consultation Today

Motorcycle insurance can be confusing, but not when you work with Bajorek Agency Inc., serving residents of Rochester, NY. Call our office today to get started on your motorcycle coverage.

When to review your life insurance coverage

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Life insurance is not the type of insurance that remains the same for your entire lifetime. As your needs and life change, your life insurance needs to change with them. At Bajorek Agency Inc. in Rochester, NY, we make it our business to get to know our customers so that we can make suggestions to them when changes happen in their lives that should affect how much coverage they have. 

When to review your life insurance coverage

When you change jobs

Part of many benefit packages from an employer is life insurance coverage. But if you change employers, is that policy worth paying on your own to keep? Probably not. Your new employer may also offer you life insurance, but at this point, in addition to that coverage, you should purchase your own coverage so that you have control of the amount and the type of coverage. 

When your income changes

Since the amount of life insurance that is enough is dependent on the amount of income you have, if your income goes up, you may need to add another policy. 

When you add dependents

When you add dependents, you also increase the amount of coverage that you require. Depending on the number of dependents you add, you may be reviewing your coverage every few years while you are having children.

When you retire

When you retire from work, your need for life insurance may decrease significantly or if your life insurance was provided by your employer, and now you have none, you need to add a policy. When you retire, you should have a discussion with your insurance agent to talk about what your needs are now. 

Schedule A Consultation Today

Call Bajorek Agency Inc. in Rochester, NY, and let us help you to make sure you have the right amount of life insurance coverage for yourself and your family. 

Do I Have Adequate Insurance Coverage on My Vehicle?

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It can sometimes be difficult to determine exactly how much insurance coverage is necessary for a vehicle. However, there is a surefire way to determine whether your car is adequately covered. Here are some things to consider, so you can ensure that your vehicle is properly covered in case an unfortunate event were to occur, making it necessary to file a claim. Serving the greater Rochester, NY region, Bajorek Agency Inc. is here to assist. 

Adequate Auto Insurance Coverage

Whether Your Vehicle is Paid Off

If you’re still making payments on your vehicle, then you are required to maintain full-coverage insurance until you’ve paid off the loan. The finance company could opt to repossess your vehicle if they discover that you don’t have adequate insurance coverage.  If you own your vehicle free and clear, then full-coverage insurance is always recommended but not mandatory. 

How Often You Drive

The more often you’re out there on the road, the greater the chances are that you’ll become involved in a car accident. So, if you drive frequently, then even if your car or truck has been paid off, you might want to consider a full-coverage policy. You can never predict when a car accident might occur, and having full-coverage insurance can ensure that any damage to your vehicle is covered, as well as anyone else’s if you’re found to be at fault. 

On the other hand, if you rarely drive your vehicle and it is frequently stored in your garage, then liability insurance will likely suffice as long as you’re not making payments. 

Schedule A Consultation Today!

If you’re a Rochester, NY resident and you’re seeking a new insurance company for your vehicles, we at Bajorek Agency Inc. provide all types of coverage for New York residents. We are proud of the top-notch customer service that we provide, and we’re ready to provide you with that same great service. Give us a call today, so one of our knowledgeable agents can provide you with a quote. 

Startup Tips for New Entrepreneurs

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Starting a business is a dream come true for many. Ultimately, plenty of entrepreneurs find success, but it should also be noted that business owners will face a lot of risks and challenges. Fortunately, taking certain steps, like obtaining commercial insurance and building up liquid capital, can protect entrepreneurs through thick and thin. Contact the Bajorek Agency Inc, serving Rochester, NY, to learn more about commercial insurance plans.

Build a Strong Pre-Launch Foundation

It can be tempting to jump into the thick of things and simply hope for the best. However, most small businesses and entrepreneurs will face challenges and stumbling blocks early on. Preparation can go a long way. You’ll want to make sure that you build a foundation for success early on.

If you launch a new app, but the app itself is still in the developmental stage, you might drive away potential users. Likewise, if you open a restaurant but haven’t perfected your menu, you may fail to snag as many customers early on as you could have.

Take Steps to Mitigate Risks

Running a business comes with risks, but where there are risks, there are rewards. Fortunately, there are some simple steps you can take to reduce risks, like taking out commercial insurance. Commercial insurance can protect your business from many things.

A customer might slip and fall on your property, for example. Even if it wasn’t your fault, you might still face a lawsuit. The right commercial insurance plans can provide coverage for such events. Likewise, your commercial property and equipment could be damaged in a storm. Without the appropriate commercial insurance plans, you could be on the hook for all the damages.

Other things, like building up liquid capital, can help ensure healthy company finances.

Want to learn more about how commercial insurance can mitigate risks for small businesses?

Get in touch with the Bajorek Agency Inc, serving Rochester, NY and surrounding communities. We are happy to help!

Tips to prepare your home for a storm

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With storm season officially here, it’s time to start preparing your home for the possibility of severe weather. Even if you live outside the Rochester, NY area in an area that rarely sees storms, it’s still important to take steps to make sure your home and family are safe in case one does strike.

Here are some tips from us at Bajorek Agency Inc on how to prepare your home for a storm: 

1. Clean up debris.

Before a storm hits, be sure to clean up any loose branches, leaves, or other debris around your yard. Keep them away from windows and doors too! This will help prevent breakages and lessen damage in case of high winds or hail. 

2. Secure outdoor items.

Make sure any patio furniture or toys are stored away in the garage or shed to prevent them from becoming projectiles during strong winds or heavy rain. 

3. Check gutters and downspouts.

Clear out any debris that may be blocking your gutters and downspouts before a storm so they can properly drain the water away from your home’s foundation when it rains heavily. 

4. Stock up on supplies.

Have enough food, water, and batteries on hand just in case of emergency power outages due to high winds or flooding caused by a storm surge or heavy rainfall in coastal areas. Also make sure you have flashlights, candles, and matches handy too! 

5. Check insurance coverage.

Review your existing insurance policy to make sure you’re covered for damages caused by storms so that you’re prepared should any major damages occur when one does hit!  

Keep Your Home Insurance Updated

For more tips and for your home insurance needs, call us at Bajorek Agency Inc today. We are proud to serve the Rochester, NY area.

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