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Bajorek Agency Inc

3462 Monroe Ave
Pittsford, NY 14534

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What are the Typical Components of Auto Insurance Policies?

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Keep in mind that not every state treats car insurance the same, with some having stricter mandates. In New York, drivers are legally required to carry active auto insurance with minimum liability coverage for property damage and bodily injury. 

Bodily Injury Liability

Bodily injury liability, along with any other type of liability coverage, is imperative because it protects you and anyone else listed on your insurance policy from potential monetary loss due to being sued because of an accident. It is essential to have enough liability to cover the sum of your assets so that in the event you are sued for a substantial sum of money, your net worth and assets are protected.

Medical Payments

It helps pay for the treatment of injuries to yourself and any occupants of your vehicle if an accident occurs. It can cover lost wages from not working, medical payments, and funeral costs if necessary. 

Property Damage Liability

Pays for damage that you or an unauthorized driver cause to another person’s property, such as hitting another vehicle or a fence or other piece of property.

Collision

Pays for damage to your vehicle – minus your deductible – caused by a collision with another vehicle or object such as a tree or telephone pole. 

Comprehensive

Pays for damage to your vehicle – minus your deductible – due to theft or damage caused by something other than an accident like hitting a deer or storm damage. 

Uninsured/Underinsured Motorist

If you or a member of your family is involved in an accident with a driver that does not have insurance or in a hit and run, then this type of coverage helps reimburse for any damage to your vehicle. 

When it comes time to shop for your next auto insurance policy, give the team at Bajorek Agency Inc. in Rochester, NY a call.

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!

Tips to make my home safer

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How safe is your home? Do you ever feel the need to improve safety measures? Well, keeping your Pittsford, NY home safe is not just about locking doors and windows but ensuring that your entire home is safe for both family, friends, and visitors. Slips and falls in the bathroom or cracked patios are common occurrences that can result in harsh lawsuits and high medical bills. At Bajorek Agency Inc., we help keep your home safe by providing you with home insurance coverage specifically designed for you.

Here are a few tips to help keep your home safe.

  • Keep essential documents and paperwork away: Learn to be creative about storing your paperwork. Burglars prefer to get away with critical documents as large items can draw attention. Don’t leave important paperwork lying around. Find safe, unique places, or keep them out of your home entirely.
  • Keep dangerous tools and equipment in a locked room: If you have kids at home, tighten their safety by eliminating any dangerous equipment and locking them securely in another room. Garden tools such as slashers, lawnmower, pruning shears, and chainsaws can be hazardous if left lying around the compound.
  • Examine your exteriors and fix all faults and weaknesses: Making your Pittsford, NY home safe is a collective family responsibility. You cannot always spot problems as soon as they happen, but other family members can. Train your children to report any broken windows, pipes, or wires in and out of the house.
  • Improve your lighting: Today, we have different forms of lighting to improve safety. You can choose to either go for smart bulbs or night time security lighting. Both methods work excellently in keeping burglars away. However, if you travel a lot, smart bulbs may be the ideal lights for you because you can turn them on and off from wherever you are to trick burglars that you are home.

Lastly, keep your home insurance updated. You never know when you may need to make a claim. Bajorek Agency Inc. is here to help. Contact us for inquiries today!

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