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Author: admin

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.

What Are Some Tips for Maintaining and Protecting Your Classic Car?

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You work hard to keep your classic car looking new for car shows or personal satisfaction. However, have you fully committed to doing all you can to make it last longer and run safely in future years? At Bajorek Agency Inc in Rochester, NY, we offer comprehensive classic car insurance and the following tips for preserving your antique vehicle.

Classic Car Maintenance Tips

Just Say No to Nonoriginal Upgrades

To maintain the value and functionality of your investment, keep as many of the original parts as possible. If you cannot keep all the parts that rolled off the line with your car, find stock parts from the same era to safeguard your vehicle’s value, function, and vintage charm.

Maintenance (Yes, Please)

Regular maintenance should start with oil changes. You or your mechanic should also check the battery, spark plugs, tires, ignition wires, rotor, filters, and other parts. Replace or repair parts when they become unsafe to utilize and don’t forget to top off your fluids regularly.

Waxing the car frequently can protect the original paint, so add that to your maintenance schedule. Additionally, washing the car with a soft rag and gentle automotive soap can help prevent the buildup of grime and road salt, protecting the chassis.

Store Your Classic Car Securely

Park your car in a garage or protected space. You can always show it off at the next show or cruise. Installing video cameras and alarms can help you feel confident that your pretty baby stays stay and sound.

Take It for a Spin

Rubber tires can dry out fast when you leave your car sitting. For many reasons, you should take your car around the block and down the road a few times a month. Besides, it’s another opportunity to show off your classic muscle car, Model T, or luxury vehicle.

Reach Out To Us

Contact Bajorek Agency Inc in Rochester, NY to discuss must-have options for your classic car insurance.

The Top 3 Things to Know About Motorcycle Insurance

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Insurance coverage for your motorcycle is likely the last thing you want to think about when it comes time to ride in the Rochester, NY area. You may even feel that you don’t really have a need for it. However, though the specific requirements vary from state to state, nearly every state requires a minimum amount of coverage.

Below are three things that you have to know about your motorcycle insurance:

There’s Coverage for Passengers

If you often ride with a passenger, ensuring that your policy covers your passenger’s medical expenses can make all the difference should you be involved and an accident. In some states, this coverage is optional while in others it’s required. That being said, it’s always recommended.

Motorcycle Insurance Is for More Than Just Your Motorcycle

In addition to medical bills, motorcycle insurance can also cover the cost of damage caused to someone else’s property during your accident. Some insurance companies even combine motorcycles, scooters, mopeds, ATVs, and UTVs under one umbrella, providing coverage for all of your recreational vehicles.

You Need It. Even If You’re Just a Weekend Warrior.

Let’s face it. Accidents happen. The last thing anyone wants is to be left holding the bag for the full cost of repairs to their bike or other property, whether or not the damage was their fault. By having the proper insurance in place, you can avoid this situation while remaining compliant with Rochester NY motorcycle laws.

Protect Yourself and Your Bike With Help From Bajorek Agency Inc

There’s no shortage of motorcycle insurance options out there, and choosing the right one for you can be a daunting task to handle on your own. Luckily, the team at the Bajorek Agency Inc in the Rochester, NY area can help you find the perfect plan for you so you can protect what matters most. Contact us today to get started!

Types of Life Insurance Policies Demystified

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When it comes to life insurance, there are many different types of policies available to choose from, and all provide a unique set of benefits. Whether you live in Rochester, NY or the surrounding areas, at Bajorek Agency Inc., we understand that navigating the various options can be confusing and overwhelming, which is why we want to help you demystify the types of life insurance policies so you can make an informed decision that’s best for you and your loved ones.

Types of Life Insurance

Term Life Insurance: Coverage for a Specific Period of Time

The first option available is term life insurance, which provides coverage for a certain period of time — usually between 10 and 30 years — and also includes the option to renew once it expires. During this time, if the policyholder passes away, the beneficiary will receive the predetermined amount of money. Plus, term life insurance typically has lower premiums than other types of policies, making it an excellent option for those on a budget.

Whole Life Insurance: Lifelong Coverage with Added Benefits

The second type is whole life insurance, which provides coverage for your entire life as long as premiums are kept up. This policy also accumulates cash value over time, so you can use it for financial planning or to access money in an emergency. Additionally, whole life insurance comes with the added benefit of a death benefit for your beneficiary, allowing them to receive the predetermined amount of money if you pass away.

Universal Life Insurance: Flexible Coverage and Investment Options

Finally, universal life insurance is an excellent option for those who are looking for a more flexible life insurance policy. This type of policy allows you to adjust the premium payments and death benefit amounts, so you can customize the policy to fit your exact needs. Additionally, you can also invest a portion of the premiums in an interest-bearing account, so you can save money and grow your savings over time.

Factors to Consider When Choosing a Policy: Age, Health, and Financial Needs

When deciding on a life insurance policy, there are several factors to consider. Age and health will play an essential role in determining the premium costs and coverage amounts, so it’s important to consider these when selecting a policy. Additionally, you also need to factor in any future financial needs that the policy needs to cover, such as college costs or retirement income. When residents of the Rochester, NY area work with Bajorke Agency Inc., we will help you evaluate all of these factors and narrow down the options to find an excellent policy for you and your family.

No-Fault vs. Fault Auto Insurance States: What’s the Difference?

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A car accident can set off a number of stressful issues, from dealing with car repairs to figuring out medical bills. If you’ve been in a car accident, it’s important to understand whether you’re in a fault or no-fault state to understand who will be responsible for paying your medical bills. 

No-Fault vs. Fault Auto Insurance States

In a fault insurance state, the person who caused the accident is responsible for paying the other person’s medical bills. In some cases, this can stop people from getting the treatment they need as they wait for the other party’s insurance company to pay their bills. In a no-fault insurance state, each driver is responsible for their own medical bills through the personal injury protection (PIP) portion of their insurance plan. 

There are twelve no-fault states in the U.S.: Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, and Utah. If you live in a no-fault insurance state, it’s possible that your overall insurance premium will be lower than if you lived in an at-fault state. This is due to the fact that insurance companies pay less for medical bills since there is no back-and-forth following a car accident that results in injury.

If you’re at fault for the accident, your rates will still likely increase, as your insurance company will still be responsible for the other party’s vehicle repairs.

Searching for the right car insurance for you in Rochester, NY? Bajorek Agency Inc can help. 

At Bajorek Agency Inc, we’re excited to serve the Rochester, NY area. We’d love to chat with you about our auto insurance options and create a policy that makes sense for you and your family. Reach out to us today to learn more.

5 Ways Business Owners Can Protect Their Business

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At Bajorek Agency Inc serving Rochester, NY and the surrounding areas, we make it our number one goal to help local business owners protect the company they have built.

Let’s look at five common ways a business owner can protect their business. 

Proper Insurance 

Having the proper type and amount of insurance in place is one of the best ways you can protect your business from financial hardship. As a business owner, you are at special risk for liability. Insurance can help pay for expenses that could result from a liability case. Insurance is also the best way to protect your property and equipment and to ensure that they are quickly and adequately replaced in the event of damage. 

Security

The next most important way to protect your business is through proper security. Your security will have many layers to it. There is the physical security of your property which must be maintained through security systems, proper locks, and entrance/exit equipment, as well as possibly the need for security staff. There is also cyber security. Today, everything is done digitally and it is important that you invest the proper amount of time and money in this aspect of your business security. 

Training 

This is often an overlooked aspect of business protection, but how you train your employees will have a huge impact on the health of your business. Injuries and security breaches are often a result of poor training early on. Make sure your staff is properly trained to avoid these problems. 

Maintenance 

If you own and operate equipment, staying on top of proper maintenance tasks will have a huge impact on your business’s success. Don’t cut corners with maintenance. 

Give Us A Call

If you would like to learn about our insurance services, please get in touch with us at Bajorek Agency Inc serving Rochester, NY and the surrounding areas. 

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