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3462 Monroe Ave
Pittsford, NY 14534

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Should Freelancers Consider Commercial Insurance?

At Bajorek Agency Inc., located in Rochester, NY, we offer coverage for businesses of all sizes. Whether you’re a freelancer working with a large corporation or a sole proprietor forging your own path, it’s important to consider how you’ll protect your business from liability and more. Even if you’re merely contemplating entering the world of freelance, looking into your options for coverage as you grow your business and pursue your ambitions is never a bad idea.

What Is Commercial Insurance?

Commercial insurance safeguards businesses from liability, equipment theft, and other potential issues. Some policies, such as commercial auto insurance, may cover specific business areas, while others may offer a broader scope of coverage. However, since each commercial insurance policy is unique with its own set of terms and limits, this is merely meant to provide you with a basic idea of what a commercial insurance policy may entail.

How Can Commercial Insurance Benefit Freelancers?

As a freelancer, you might question the necessity of commercial insurance. Depending on your particular situation, commercial insurance might not be a legal requirement for your business. However, we strongly recommend discussing your options with our team of qualified insurance professionals to explore how we could help safeguard your business and other aspects of your life. Ultimately, it’s better to have coverage and not need it than to face a disaster unequipped.

If you’re a freelancer with at least one employee, you may need to consider obtaining a type of commercial insurance known as Worker’s Compensation insurance. To ascertain whether this type of insurance is required for your business model, we advise consulting with a member of our expert team. We’re here to assist you.

Contact Bajorek Agency Inc.

For additional information, don’t hesitate to contact us at Bajorek Agency Inc., Rochester, NY!

How Commercial Insurance Protects Job Site Issues

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. 

Startup Tips for New Entrepreneurs

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!

5 Ways Business Owners Can Protect Their Business

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. 

How Often Should I Review My Commercial Insurance Coverage?

While commercial insurance policies have terms that last for a period of time, it is important to review your coverage throughout the year. It ensures that you have the right amount of protection and that your business is still properly insured. 

Depending on the type of insurance that you have, you may be required to review your policy annually or at certain points during the year to maintain coverage, such as when a policy has expired or when there is a significant change in your business. Consult with Bajorek Agency Inc in Rochester, NY for guidance on this important insurance coverage.

Commercial Insurance Coverage: What You Need To Know

As with any other form of insurance, it’s important to keep tabs on your coverage. Keep tabs on any changes in your business — such as an increase in the value of your inventory or the number of employees — that might require an updated commercial policy. Keep an eye on your commercial insurer and make sure you’re receiving the benefits for which you’re covered. Finally, keep track of the policy expiration date and renew your policy as soon as possible. 

Things like economic conditions, new legislation, and changes in the marketplace can all influence the risk profile of your business, which means that your commercial insurance needs may change over time as well. A small business with commercial property insurance probably won’t need to review the policy as often as a large enterprise with cyber insurance. However, as a business owner, you should make sure to stay up to date on any changes to your policy. 

Call Us Today

Every policy comes with an expiration date, but that’s not the only reason to review your coverage. Every commercial policy comes with a clause that requires the policyholder to maintain “standard” coverage. This indicates that if there is a change in the profile of your company, you may be required to obtain more coverage to keep your commercial insurance policy. For expert insurance advice, consult with Bajorek Agency Inc in Rochester, NY.

How To Compare Small Business Insurance Quotes

As a business owner in Rochester, NY you realize how important it is to have the right commercial insurance coverage. But, the process of making sure you’re properly insured can seem overwhelming and confusing.

Follow these 4 helpful tips on how to compare small business insurance quotes.

  1. First, find a reputable commercial insurance carrier. Don’t trust just anyone with your company’s insurance. The reliable and knowledgeable small business insurance agents at Bajorek Agency Inc. are ready and able to help.
  2. Look at more than just the rates. If the rates are super low, there is probably a reason that you don’t want to find out after a catastrophe hits. If the policy costs a lot less than competitors, there may be a hidden and unpleasant secret as to why. Your agent can talk to you about getting the coverage you need while lowering costs by bundling policies, choosing higher deductibles, or paying annually instead of monthly.
  3. The purpose of insurance is to make sure you are covered for financial loss. Make sure you know exactly what is covered and what is not so there are no unpleasant, disastrous surprises awaiting you.
  4. Understand policy terms, deductibles, and limits. If you don’t work in the insurance industry, the terminology can seem daunting. Make sure you understand what each of the terms means. For instance, did you know there are two types of limits? One is per occurrence, and the other is aggregate. Per occurrence is the highest amount the insurance pays per claim. While, the aggregate is the total amount paid within a period, usually a year, for all of your claims combined.

Let Bajorek Agency Inc. serving Rochester, NY help walk you through your commercial insurance needs to make sure your business is covered.

Can Commercial Insurance Help My Business?

There are more than a few ways to invest in a business. If you are the owner of a company, one of the best moves you can make is to protect your company with business insurance, commonly referred to as commercial insurance. Here at the Bajorek Agency Inc., serving the Rochester, NY area, we’d like to help you understand just how important it is to invest in business insurance. 

How Does Commercial Insurance Work?

Business insurance is available in several forms. For some, business income insurance is what comes to mind when thinking about commercial insurance. With this type of insurance, you can rest easy knowing your income is protected if something happened to your business and you can’t generate revenue. 

Another type of business insurance is professional liability insurance. This type of policy is essential in helping protect your company from lawsuits and errors made by employees providing services. If you would like to see what type of commercial insurance can benefit your company, it’s vital to speak with an insurance agent who has helped other clients with their commercial insurance needs. Do keep in mind that depending on the type of business you operate, the law must be required for you to have some commercial insurance policy. An insurance agent can help you understand whether it’s required or not. 

Final Thoughts

Contact the Bajorek Agency Inc., serving the Rochester, NY area, today. One of our experienced insurance agents can help you assess your exact commercial insurance needs. Once your needs are pinpointed, one of our agents can help you customize an insurance plan. Call us now!

Which coverage should you have if you run your business at home?

Most home-based businesses are often overlooked. While many people in Pittsford, NY buy homes with a small office, very few people consider purchasing insurance for a home office. In most cases, they assume that a home insurance policy provides full coverage. However, the kind of business you run heavily determines the amount of coverage you need. For instance, a full-time home-based business may require all the coverages that a typical business needs.

If you are running a home-based business, Bajorek Agency Inc. can guide you through the coverages you need to protect yourself, your family, and your business. So, which coverages should you buy?

  • General liability: Running any business requires you to have general liability coverage to protect you, your employees, and other customers from injuries and lawsuits. If you have visitors and clients coming to your home, liability coverage can help protect your home from loss or damage that may result from the accident.
  • Business property: If you use various equipment in your home-based business, you will need to buy insurance to protect them. Whether you have furniture, computers, fax machines or printers, this coverage can help replace or repair them in case of a loss or damage.
  • Professional liability: Most home-run businesses in Pittsford, NY involve an individual selling their professional skills like art, graphic designing, photography, and many others. If your business involves offering professional service to your clients, you may need to have professional liability coverage to help protect you against lawsuits that could occur as a result of failure or negligence
  • Product liability: If your business supplies products to customers, then you need product liability coverage to protect your goods from damage or lawsuit as a result of a product that caused harm to a customer.

Running a business from the comfort of our homes is everyone’s dream. With proper coverage and certification, you can work while keeping all that matters to you protected. For more information, speak to us at Bajorek Agency Inc. today!

Which coverage should you have if you run your business at home?

Most home-based businesses are often overlooked. While many people in Pittsford, NY buy homes with a small office, very few people consider purchasing insurance for a home office. In most cases, they assume that a home insurance policy provides full coverage. However, the kind of business you run heavily determines the amount of coverage you need. For instance, a full-time home-based business may require all the coverages that a typical business needs.

If you are running a home-based business, Bajorek Agency Inc. can guide you through the coverages you need to protect yourself, your family, and your business. So, which coverages should you buy?

  • General liability: Running any business requires you to have general liability coverage to protect you, your employees, and other customers from injuries and lawsuits. If you have visitors and clients coming to your home, liability coverage can help protect your home from loss or damage that may result from the accident.
  • Business property: If you use various equipment in your home-based business, you will need to buy insurance to protect them. Whether you have furniture, computers, fax machines or printers, this coverage can help replace or repair them in case of a loss or damage.
  • Professional liability: Most home-run businesses in Pittsford, NY involve an individual selling their professional skills like art, graphic designing, photography, and many others. If your business involves offering professional service to your clients, you may need to have professional liability coverage to help protect you against lawsuits that could occur as a result of failure or negligence
  • Product liability: If your business supplies products to customers, then you need product liability coverage to protect your goods from damage or lawsuit as a result of a product that caused harm to a customer.

Running a business from the comfort of our homes is everyone’s dream. With proper coverage and certification, you can work while keeping all that matters to you protected. For more information, speak to us at Bajorek Agency Inc. today!

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