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Falls Church, VA 22041

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Basics of Commercial Insurance for Small Businesses

You started your business with a beautiful idea about how to improve a particular service or deliver a new product to clients. You’ve worked hard to make this vision a reality. Now you need to protect your growing business with the right commercial insurance. Our agents at the Pacati Insurance Group work with small business owners in the Fairfax, VA area to get the financial protection they need. 

Commercial insurance policies are several policies bundled together. One of the most important is liability protection. This protects the company if someone is injured at a location, by-products, or services. Secondly, property insurance covers any structures that the business owns. It also includes a building’s contents such as computers, inventory, and materials. Workers’ compensation covers employees who are injured at work. These are the basic policies. Additional ones, such as commercial auto insurance or professional liability coverage, can be added if needed. Some businesses also invest in business continuity coverage, which protects if the company is temporarily unable to operate. It can help bridge any downtime. If the business is located in a high flood zone, flood insurance will need to be added. 

In the Fairfax, VA area, our agents at Pacati Insurance Group can help you decide the type of coverage your small business needs. We’ll spend the time getting to know you and your company so that we can recommend the best policies to protect your growing business financially. Our team works with a wide variety of business types. They have the experience you need to make smart choices. You’ve worked hard to build your business and keep it growing as you bring new ideas to the marketplace. Don’t let it all be put at risk. Protect it today. Call or come by for the options for your company’s needs!

Does My Home Policy Cover Theft?

One of the questions that most homeowners ask is if their home insurance policy will cover the theft of items during a burglary or just petty theft? The answer is yes. Your home insurance policy is in place to give you peace of mind. While many think of a home insurance policy as protection in the event of a fire or other disaster, they cover more than you think. At Pacati Insurance Group, our agents work with homeowners in the Fairfax, VA area to put the right coverage in place. Consider your home insurance policy to be financial protection if something should happen. 

The home insurance policy not only covers the physical structure of the home but all of its contents, including personal items and furniture. This coverage extends to items that are damaged or stolen when you are away from home. For instance, if your laptop is stolen from the local library or coffee shop, it is still covered by the home insurance policy. The policy will provide funds to repair or replace the item up to the coverage cap.

Beyond this, your policy also provides liability coverage that protects you if someone is hurt on your property. It also covers any structures on the property, such as outbuildings or fences. This means that if something is stolen from the outside of the home, it will still be protected. While you should always take precautionary measures, you have recourse if something goes wrong.

In the Fairfax, VA area, our team at Pacati Insurance Group is ready to talk with you about your home insurance options. Explore our website for general information, then when you’re ready, call or come by to speak with one of our knowledgeable agents. We want to help you protect your home and personal possessions. Call today!

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