Accidents on the job can happen no matter your level of preparation. As an employer, you want to provide your employees with the best safety resources to protect them and prevent the need for workers’ compensation claims. One of these…
One of the most underrated yet critical decisions you face when starting a small business is selecting the right insurance coverage. Every business is unique, and choosing the right coverage for your needs is vital to success. Two of the…
Insurance premium audits are an essential part of commercial insurance. Insurance companies conduct audits to ensure that the premiums charged to a business accurately reflect the level of risk and exposure during the policy period. This process takes place after…
Have you considered implementing a return-to-work program for your business? A return-to-work program can be crucial to a workers’ compensation strategy. Regardless of your industry or company, your employees may face challenges such as on-the-job injuries or illnesses. Therefore, it…
Enhancing Certificate of Insurance Tracking Through Automation: Transforming Risk Management Managing risks is a crucial aspect of businesses today. Risk management is critical to monitoring and validating Certificates of Insurance (COIs). In the past, this was done manually, which was…
Trucking company owner and operator Raymond, 37, of Encino, appeared in court in January 2024 on 30 felony counts of unauthorized use of personal identifying information and forgery. A Department investigation found he allegedly created and distributed fraudulent insurance documentation…
If we could give one piece of advice to general contractors, it would be: Read all forms relating to the use of subcontractors or independent contractors in your general liability policy! If you hire subcontractors, there will be language in…
All commercial general liability (CGL) policies are not created equal! As a contractor, it’s vital to know your policy inside and out and read all forms relating to the use of subcontractors or independent contractors. You can save yourself a…
Introduction In the competitive and risk-prone construction world, small contractors often navigate through a labyrinth of insurance requirements. BTIS, a respected Managing General Underwriter (MGU), has recently implemented a policy of auditing general liability coverage for small contractors at the…
‘Tis the season…to make sure everything is squared away with your employee benefits! We know this topic probably doesn’t get you in the holiday spirit, but our quick checklist will help you ensure you can stay on the nice list…
Construction can be a risky business! That’s why it’s important for contractors to obtain insurance coverage and also understand the parameters of their policy. Like most other insurance policies, Contractor’s Insurance does include some exclusions or limitations, so policy holders…
When it comes to workers’ compensation insurance, there are many factors that go into calculating the cost you pay. Insurance companies want to understand the exposure on their end and you want to know why you pay what you do,…
Accidents happen! From little slips and falls to data breaches or technical meltdowns, unfortunately, this is reality for business owners or managers. You can have a top-notch safety program, educate your employees and train them on best practices and still…
Phishing scams continue to be a widespread and growing threat in the digital world. It’s more important than ever to educate your employees about common email phishing scams to help protect your organization from potential security breaches and data loss. …
By Mike Fusco You may have noticed some changes around here, so please allow us to introduce you to 4C Advising, your partner for risk management, compliance, HR, and employee care solutions. We created 4C Advising as a complementary brand…
Did you know that 87% of employees consider health and wellness packages when selecting their employer? With the growth of hybrid work and the challenge of retaining talented employees, it is more important than ever for employers to develop and…
If you have a Commercial Auto Insurance Policy for your business, it’s important to understand how it works and how to keep your claims low. Commercial Auto Insurance is essential for any business that uses vehicles in their operations. A…
Insured and Bonded are two terms that are commonly used in business, particularly when discussing contractors or those providing professional services and their requirements. Let’s start with what it means to be insured… When you are insured you purchase coverage…
If you deal with workers’ compensation – this one’s for you! Workers’ compensation insurance is crucial in protecting employees in the event of workplace injuries or illnesses. The Experience Modification Factor (EMF) is one of the most important concepts for…
Although wildfires can occur at any time throughout the year, they are most common between April and October. Significant portions of the United States are at risk of experiencing the effects of wildfires, particularly in the western and southern regions.…
Fine dining experiences can be found in a variety of unique restaurants that provide not only food, but an overall memorable experience. They can be small and intimate, large and grand, food-focused, experience focused or offer food from all around…
Fusco Orsini & Associates is excited to welcome Kelly Pavez to our team as a customer service representative in our Employee Benefits Department. Kelly was born in Juneau, Alaska and is now based in Southern California. She began her insurance…
The restaurant industry is a dominant piece of our everyday life and a large portion of our time revolves around food and spending time with friends and family over meals out of the home. In fact, 84% of consumers say…
Food truck culture has been on the rise for many years, especially in California’s greater Los Angeles area where there are approximately 4,000 food trucks. It is both an exciting and a relatively affordable way to enter the restaurant business,…
Fusco Orsini & Associates is thrilled to welcome Daniel Miller to the team! Daniel joins us as a broker with a focus on commercial lines and property & casualty insurance. We would love to help you get to know him…
Fusco Orsini & Associates is pleased to welcome Manuela Warren to the team! Manuela joined us this month as an account executive with a focus on commercial lines and property & casualty insurance. To help our clients get to know…
If you’re a contractor bidding on public or private commercial projects, you’ll likely need to be bonded to win the contract. Contract bonding assures the project owner that you’ll complete the work according to the terms of the agreement. However,…
Are you considering starting your own general contracting business in California? While there are many steps involved in setting up your company the right way, doing so will keep you organized, compliant and ensure your credibility to future clients. There…
Commercial property insurance is a vital component of a comprehensive risk management plan for businesses of all sizes. This insurance coverage protects businesses from the financial losses of property damage or loss. However, there are different commercial property insurance policies,…
I work daily to assist businesses with their insurance and risk management needs. And each day, I take notice of the myths that exist and circulate in the business insurance industry. Clients and prospects seem confused about similar topics, which…
This guide provides questions and answers to employers’ most frequently asked OSHA questions.
Employee handbooks are essential tools for establishing employee expectations, addressing workplace issues, and defending against potential lawsuits. Failing to update employee handbooks regularly can make employers vulnerable to legal risks and liabilities, resulting in costly fines, penalties, and attorneys’ fees.…
Ransomware is any malicious software—also called malware—that infects a victim’s device or server and prevents the technology from working as it should or blocks access to specific data (e.g., confidential files or sensitive information) stored on such technology until the…
General Liability Insurance Explained in 10 Minutes The most common form of business insurance is the Commercial General Liability (CGL) policy. Although widely adopted as the ‘backbone’ of a company’s protection, CGL is often misunderstood. To understand why, watch the…
A business needs to purchase a business auto insurance policy for many reasons. Some of the reasons are self-explanatory, while others are not as obvious. In this video, I will explain three reasons to purchase a Business Auto Policy or…
A non-admitted insurance company is a company that is not licensed to do business in a particular state or jurisdiction. Non-admitted insurance companies operate outside of the state’s regulatory system, and policies issued by non-admitted insurance companies are not protected…
We get this question frequently, and the answer varies based on the policy. There are many reasons someone might need to add an additional insured (AI) to a policy; the cost and terms differ based on the situation. Let’s dive…
Previously, the Contractors State License Board (CSLB) only required C-39 roofing contractors with or without employees to carry workers’ comp insurance. As of January 1, 2023, this requirement changed to include the additional licensed contractors regardless of whether they have…
If you own a business, understanding insurance helps you best protect your company and its assets. Property and liability insurance are two types of insurance that protect against different business risks. Almost all the coverage you will need for your…
So you’ve recently purchased a business insurance policy and now have requests to complete an inspection. Although the request may come as a surprise, it is not uncommon for insurance companies to inspect after the placement of a policy. Let’s…
Insurance policies are SKYROCKETING! Here’s what to do if your insurance policy increases Most businesses battled increased costs in 2022. Inflation of goods and services contributed to rising prices and was the culprit of a squeeze on the bottom line…
Most business owners dislike insurance audits, especially when they result in costing them more money. Nobody appreciates an unexpected bill, especially in an environment with increasing expenses and shrinking profits. But does an insurance audit mean that your insurance premium…
Considering purchasing EPLI (Employment Practices Liability Insurance)? Let’s review the history and pros and cons of the current EPLI landscape to determine if EPL insurance is right for your business. History of EPLI EPLI was originally developed in 1990, following…
If you own a business, you will likely purchase liability insurance to protect against any legally enforceable obligation. In other words, insurance that will pay or render service on your behalf for loss arising out of legal liability to others.…
Did you know that insurance fraud costs consumers $308.6 billion per year, according to the Coalition Against Fraud? Insurance providers are forced to raise their premiums, causing the cost to trickle down to innocent consumers. The average family also spends…
Mike stopped everything he was doing today to welcome a SPECIAL guest to the show. An expert joins him in small business and insurance – and for those entrepreneurs, you cannot afford to miss this episode! Episode Highlights: Mike’s very…
On 9/29, we celebrated National Coffee Day. Then, on 10/1, International Coffee Day. What better than to welcome Mark Bell, a coffee entrepreneur, and successful business owner, to the Team Business Podcast? Mark’s story about the beginnings of OB BEANS…
Thank you for visiting our BLOG and learning about 5 ways to save on general liability insurance for your business! Please also remember to watch our video below for helpful saving tips! I have the pleasure of speaking to business…
In this episode of the Team Business podcast, Chris Senkbile joins Mike Fusco. Chris speaks about all things entrepreneurship and gives listeners great tips on overcoming challenges associated with starting a business. For those tuning in from the insurance industry,…
