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Category: Commercial Insurance

Can Commercial Insurance Help My Business?

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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?

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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?

Posted on by admin

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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