State Farm® Insurance Agent Joe Czaja

"David K. Was such a pleasure to work with, took care of all my insurance needs. I highly recommend this agency"

"Great customer service. It felt like they really understood what I was going though"

"I am currently looking to switch insurance and spoke to a lovely gentleman who kindly answered all of my questions and concerns. I am looking forward to having an insurance company that looks out for their customers."

"I wanted to get rates for my car insurance. Robert was wonderful helping me."

"⚠️ Warning ⚠️ Stay far away from this insurance agency, and especially Dave Stanbury. When it comes to the insurance world, one of the most important aspects is customer service. The moment you lose your ability to provide good customer service, you lose your ability to be effective in business. State Farm was recommended to me by multiple others in my industry here in Western New York and Western Pennsylvania as a great option for small business insurance. When researching my options on State farm's website I see that right now they are specifically advertising small business insurance for my business. While setting up a policy for a recent move, I requested a quote on business liability insurance to cover my advertising and marketing company. This junior agent asked me almost no questions. He asked me the business name, whether we had a website, what we did, and the value of our items, which made little sense to me in the context of the coverage I was requesting, but I went along with it. Not only did it take almost a week to get a response from Dave, who I was told handled the business insurance side, but when we finally did get a response back, we were denied based on underwriting reasoning that did not seem to fit what we actually do as a business. Dave sent an email stating that State Farm does not offer coverage for businesses involving TV filming equipment or radio equipment, which again did not seem to apply to my business or to the type of liability coverage I had requested. So I reached out because there had to be some mistake. We are a small business that has been in operation for a few years, and we are an advertising and marketing agency. That was made clear. Dave then told me that State Farm had found a website registered under my business's name, and that the website showed photos of a TV studio, which did not match my understanding of my business presence online or what was later sent to me. I asked him to provide a written explanation, as well as proof of what he was referring to. He then said he would send me a link to the website that had my name and everything they were talking about on it. Based on that conversation, I expected to receive something entirely different from what was actually sent. When I received the email, Dave had sent me a Facebook page from when I first started the business. If you look at that Facebook page, the only photos anywhere on there are photos of a sunset and photos of children in schools and youth programs where I had done photography work. There were no photos of a studio and nothing at all that matched what I had been told. When I tried to explain to him that I had worked in property insurance within this decade for about five years, and that underwriting should be based on accurate information about a customer, he proceeded to tell me that State Farm does not offer this coverage and that they can make a decision on anyone based on those factors. State Farm advertises small business coverage for businesses like mine. The problem here, based on my experience, is that somebody in Dave's office, or Dave himself, appears to have classified my business as something that has nothing to do with what my business actually is. Needless to say, complaints are being filed, and this should be a lesson for Western New Yorkers looking to protect their business. When you're purchasing insurance, you need to go with somebody who is honest, accurate, and willing to ask the right questions. Your insurance agent should gather all pertinent information. They should ask you questions about your business, your different types of risk exposure, foot traffic, what you do, and all kinds of determining questions so your policy can be properly underwritten. From my perspective, I was given explanations that changed over time, and when I challenged what I was told, the response I received only made the situation worse. This was a very bad business experience all around. Insurance is already frustrating enough. We do not need this on top of it."

"The office staff is always so pleasant and very helpful in addressing any concerns and questions!"

"Agent helped co-term payments for auto and home insurance now that our mortgage is paid off."

"Lori was great to deal with!! Explained my question and took care of my payment. Thank you Lori"

"Always helpful! David is knowledgeable and friendly! I have had insurance through this office for a long time, and I have never had an issue. Highly recommend!"

"Thom was very patient and helpful throughout the process!"

"Was a great help"

"Today I spoke with David K. Regarding making sure we had everything I needed on our 3 auto and homeowner policy. Dave was extremely helpful,and answered all my questions. He is an asset to Stste Farm Joe Czaja office. I really can’t tell everyone enough about the great customer service he had to offer to my husband and myself . I have been with State Farm for 30 years and will never change. Thank you David K. You were very helpful."

"I spoke with David K today about trying to lower premiums on 2 vehicles insured with State Farm. He was very helpful in going through different scenarios of coverage. I appreciate the time he spent explaining everything to me. Every time I call their office they are very helpful 🙂"

"Dave was kind and informative, helping me to easily navigate any questions or concerns I had with my policies."

"Very good service!"

"Rob was very helpful with explaining all the details and coverage of my current policy along with any adjustments that could benefit my family. Thank you so much!"

"Dave was amazing, he went through each policy I have and made recommendations that suited me... thank you so much.."

"Dave was courteous and very knowledgeable. He helped us with a problem and it's all settled with good results."

"Robert was great! Very knowledgeable!"

"I had my annual coverage review today with Dave and he was very patient with me. He was able to answer all my questions and explained my policies well."

"Always pleasant and have never had an issue when something goes wrong and we need to use policies"

"Professional and extremely helpful"

"Amazing customer service, helped me figure out what I needed and know how to make it happen"

"👍"

"Dave was informative and helped with any changes needed."