3 reasons why the team at FOA starts your renewal process early!

YouTube video

In today’s video, Mike Fusco explains the renewal process at Fusco Orsini & Associates and details 3 reasons why FOA starts a client’s renewal 60-120 in advance of the policy effective date.


First, I want to thank you for your support in the years past and for the opportunity to earn your continued business at the upcoming policy renewal. We take your policy renewal seriously and hold a strict process for every expiring policy. Whether you’re a business insurance customer, a personal insurance customer, an employee benefits account, or if we provide consulting services on non-insurance products, we emphasize an early start to your renewal. In most cases, an early start means 60-120 in advance of the policy effective date.


FOA created a best-in-class renewal process in 2010 for several reasons, but I want to point out 3 that you will quickly understand. I want to reiterate that our renewal process remains consistent for liability insurance, professional liability insurance, business interruption insurance, commercial property insurance, general liability, business auto, and all commercial insurance types. We also follow the same procedures for personal insurance products, employee benefits plans, and non-insurance consulting services. Without further delay, here are 3 reasons why Fusco Orsini & Associates starts your renewal process EARLY!

1) We are an independent insurance agency and contract with hundreds of insurance companies and service providers. To provide the best possible service, we need time to reach all of the markets available to us – to present the options to you. It takes lots of time to complete applications and work with underwriters; a 60-120 day headstart helps get the job done!

2) It takes time to communicate with you and your team. Again, we don’t want to miss the details, and in many cases, we get asked additional questions from our insurance partners. We need adequate time to gather the information for you or your team. When it comes time to deliver proposals and solutions, the information we collect will guarantee accuracy.

3) We need time to negotiate on your behalf. Once we secure multiple options, we review each one carefully and strategize more favorable terms. Changes in terms may include policy forms, policy language, endorsements, premiums, and more. After our work is done and satisfied, we want to give you plenty of time to make the best decision possible! We hold ourselves to an expectation of excellent customer satisfaction, and the renewal process is a big part of it. To deliver, we need time, and I hope the reasons above help you understand why.


Thank you for taking the time to watch my video. I am confident that your broker and an account manager will handle your renewal with your best interest in mind. If the FOA team is not meeting your expectations, please reach me at 858-384-1507 or mike@foagency.com. If you are not a customer of Fusco Orsini & Associates, and our renewal service is one that you expect from an insurance representative, please complete the form below to connect with one of our 5-star associates.


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