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Bajorek Agency Inc

3462 Monroe Ave
Pittsford, NY 14534

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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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