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 > Archives for 2025
# Archives: 2025
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Posted: January 19, 2025
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A brick-and-mortar establishment comes with known risks, but e-commerce has specific liabilities. Some are shared with traditional stores, but others are unique to online businesses. Business insurance tailored to meet the needs of your online operations can make all the difference when you face unexpected losses.  What is Covered in E-Commerce Business Insurance? E-commerce business insurance policies include:  General liability insurance Commercial property insurance Commercial...
Posted: January 16, 2025
During the winter months, the weather can get pretty grim. Freezing icy conditions, blizzards, torrential rain, and wind events can test any structure, including your home. The best policy is to be prepared for the worst and hope for the best. Here are some ways you can protect your home from the damage of winter storms this year.  Indoor Checks and Safety Measures  Heating System...
Posted: January 14, 2025
Polar Vortex and Extreme Cold Safety Tips Only travel if you have to. In extreme cold, you shouldn’t travel unless it’s absolutely necessary. Staying inside will reduce your chance of getting frostbite or risking uncertain road conditions. If you do need to leave the house, be sure to brush up on best practices for winter driving safety. If you drive, make sure you have a flashlight with...
Posted: January 4, 2025
With the New Year comes new possibilities. If your work includes online operations, e-commerce, or website hosting, it also comes with new dangers. Hackers have new skills, and the race to keep online security ahead of the ever-changing curve is of great concern. In 2025, cyber insurance will be a necessity like never before. Cyber Insurance: What It Is and Why It Matters Cyber insurance...
Posted: January 2, 2025
The New Year is traditionally the time we make decisions about the future. Most New Year’s resolutions focus on personal health or family and business goals. Don’t forget to include greater peace of mind and security for yourself and those you love as part of your New Year’s list. By reviewing your policy coverage and making the necessary changes based on your other annual targets,...
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## About Us
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Hughes & Abarca Insurance, LLC
* 11250 Roger Bacon Drive
  Suite 3
* Reston, Virginia 20190
Phone: (703) 291-0512
Fax: (703) 382-9120
* Mon-Fri: 9:00am-5:00pm
* Sat-Sun: By Appointment Only
Evenings and weekends by appointment.
Insurance@HughesandAbarca.com
Hughes & Abarca Insurance, LLC Provides Auto / Car Insurance, Motorcycle Insurance, Home Insurance, Renters Insurance, Life Insurance, and Business / Commercial Insurance to All of Virginia, Maryland, and Washington DC Including Reston, Fairfax, and Potomac.© Copyright 2025, Hughes & Abarca Insurance, LLC |  |  | Insurance Agent Marketing(opens in new tab)
 > Archives for 2024
# Archives: 2024
Posted: December 19, 2024
A new year is upon us when we traditionally make resolutions about our health and plans—but what about resolutions for your business? The New Year is an ideal time to embrace growth opportunities and consider canceling programs that failed to produce results in 2024. Look at Where You Are At As the year comes to a close, it is time to take stock of how...
We all know there are plenty of driving hazards to worry about during the day – from rain and snow to deer and potholes. But driving at night adds a completely new set of challenges. Why? It all comes down to one word: visibility. During a clear day, you might be able to see thousands of feet ahead of you. But when the sun’s down,...
Posted: December 18, 2024
The start of a new year is an ideal time for business owners to review and refresh their insurance coverage to ensure it meets their current needs and business goals. Whether you run a small retail shop, a contracting business or manage a fleet, here are seven important topics to discuss with your local insurance agent this year. 1. Annual Insurance Coverage Checkup As your...
Posted: December 16, 2024
If you do a lot of online shopping during the holiday or year-round, be aware of the growing threat of package theft. Package thieves, also known as “porch pirates,” have become so brazen that some will even tail delivery drivers to swoop up packages the minute they are gone. In a recent year, over 260 million packages were stolen across the U.S., costing consumers millions...
Posted: December 6, 2024
Are you one of the many businesses that has taken on a remote or hybrid working model? Working from home has pros and cons, but it also raises serious questions like what would happen if an employee becomes injured while performing work at home. Workers' compensation (often shortened to workers’ comp) laws and requirements vary by state, but generally, any business that has employees must have workers’...
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 > Archives for 2023
# Archives: 2023
Posted: December 26, 2023
Icicles are hanging from the roof, the ground is slick beneath your feet and you can spot snow, ice and debris above your head. The telltale signs are all there: You have an ice dam.What is an Ice Dam?An ice dam is a ridge of ice that occurs on the edge of the roof of your house that prevents melting snow from draining off your home’s...
Posted: December 22, 2023
Hosting a party can be a wonderful way to bring family and friends together during any season. When entertaining guests, it’s widely accepted that offering alcoholic drink options can warm up a festive occasion — whether it’s summertime cocktails by the cabana or holiday spirits under the mistletoe. If you choose to serve alcohol at your party, though, it's important to be aware of some...
Posted: December 20, 2023
Shoveling snow from your driveway can be back-breaking work. So when you’re charged with digging out after a blizzard strikes your neighborhood, a snow blower can be your saving grace.Whether you’re interested in purchasing your first snow blower – or are tempted to invest in a new one – this guide offers everything you need to know.What to Consider When Buying a Snow BlowerLike buying a...
Posted: December 19, 2023
Starting your own business can be an exciting and rewarding venture. However, navigating the early stages with precision and care is essential. To help guide you, we’ve outlined ten critical steps to ensure your business takes off on the right foot. 1. Find the Perfect Opportunity: Determine Your Business Concept The first step in launching your business is to find the right opportunity and determine...
Posted: December 16, 2023
The holiday season is a time of giving, and many of us enjoy showering our loved ones with special and often valuable gifts. These gifts carry sentimental and financial value, whether it’s expensive jewelry, collectibles, vintage items, or custom-made treasures. However, many people may not realize that their standard homeowner’s insurance policy may not provide sufficient coverage for these valuable items. That’s where valuable items...
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 > Archives for 2022
# Archives: 2022
Posted: December 20, 2022
When you’re young, life insurance is probably the last thing you think you need. Life insurance isn’t (and never has been) an easy topic to talk about. Let’s face it – no one wants to think about death. Or we think about it too late, when insurance may not be attainable (and definitely less affordable). That’s why it’s important to get life insurance when you’re young....
Posted: December 19, 2022
Your business’s workers’ compensation policy protects against lawsuits filed by injured employees. The trade-off is the cost of these policies eats into your profits. Every workers’ compensation policy is slightly different, and it is important to know what it does and does not cover. Your Workers’ Compensation Policy – Are You Getting the Best Deal? Essentially, workers’ compensation covers injured or ill employees in job-related...
Posted: December 16, 2022
Depending on where you live, you may be required to have license plate lights. Consider buying a car with license plate lights or installing a light on your existing vehicles. The lights illuminate your license plate, and if your state requires it, ensure the lights are in good working order – you could be pulled over and cited if the light is burned out.  Advantages...
Posted: December 9, 2022
2023 is almost upon us, along with the long-held tradition of New Year’s resolutions. For individuals, after a season of parties, food, holiday cookies, cakes, and drinks, resolutions about losing weight are a common theme – but what about small business owners?  The New Year is the ideal time to set goals for the year, establish a workable plan to achieve those goals, and evaluate...
Posted: December 8, 2022
Most of us look forward to the holidays with anticipation. Family, friends, and work get-togethers, parties, events, and foods and treats make the winter holiday season a favorite for people of every age – but it is smart to be aware of the risks. To protect your home and your valuables, check out these practical home safety tips: Protect your home from the risk of...