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Address: 5095 Murphy Canyon Rd Suite 200, San Diego, CA 92123
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Phone: (858) 384-1506
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Email: hello@foagency.com
Build Your Strongest Business Yet!
Partner with a dedicated advisory team that takes the time to understand your unique business challenges, goals, and opportunities. We provide carefully vetted, cost-effective, and time-saving solutions tailored to safeguard your company’s future and drive long-term success. Whether you need risk management, compliance support, HR guidance, or employee wellness solutions, we help you build a resilient, thriving business. Let’s strengthen your company together—starting today!
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Employer Alert: Common Health Plan Mistakes That Could Cost You
Navigating the complexities of employer-sponsored health plans is a critical responsibility for any business owner. However, even well-intentioned employers can inadvertently make compliance errors, leading to significant financial penalties and legal challenges. From neglecting to...
Being a Confidently Happy Small Business Owner
Is being confidently happy the underdog benefit of getting your risk management and operations in order? I remember the day clearly. Three years into starting our insurance brokerage, I realized that we were under-resourced and...
Support for Those Affected by the Los Angeles Fires: Free Services from TELUS Health
Our hearts go out to everyone impacted by the devastating Los Angeles fires. In times like these, accessing emotional support and resources can make a world of difference. TELUS Health, the EAP partner of Fusco...
Expanding the Horizon: How Our Partnership with Zenjuries Claim Concierge Simplifies Claims Management for VIP Clients
Exciting news! Zenjuries Claims Concierge has expanded their handling of commercial insurance claims for our clients! Managing claims can be a daunting task for businesses, especially when juggling multiple types of insurance. That’s why we’ve...
A Thanksgiving Table of Business Success: Lessons in Risk, Compliance, and Teamwork
Thanksgiving isn’t just about the food—it’s about the whole experience: a perfectly roasted turkey, classic sides, a few family debates, and football! Running a business is like hosting Thanksgiving—it takes planning, teamwork, and a great...
Is a Professional Employer Organization (PEO) My Best Option?
If your business is changing and you are deciding between growing an in-house HR team, utilizing a PEO, or blending in-house tasks with select service providers, this blog is for you. To PEO or not...
Simplify Payroll and Workers’ Compensation
A New 4C Advising Partnership At 4C Advising, we’re committed to finding solutions that help businesses thrive. That’s why we’re excited to announce a new partnership that will streamline payroll and workers’ compensation integration. This...
Zywave Client Portal: A One-Stop-Shop for Risk Management & Compliance
As a business owner, it’s common to wear many (or sometimes…all) of the hats. You probably got into business to provide a product or service, and then you quickly realized there are so many more...
How to Read an Experience Modification Worksheet
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...
Creating a Cybersecurity Awareness Program
Imagine the CEO of your company emailing you to ask you to purchase $500 in gift cards. Something feels off…but it’s your CEO asking. Do you do it? Do you know who you can ask...
Weathering Storms with a Business Continuity Plan
Just last month, Hurricane Beryl made landfall in Texas as a Category 1 hurricane, causing catastrophic damage to homes and infrastructure. The storm caused widespread property destruction, prolonged power outages and significant economic disruption throughout...
Compliance Documents for Employee Benefits Programs
Employers must follow many steps regarding employee benefits to comply with federal laws and regulations. Two federal regulations are: Employee Retirement Income Security Act (ERISA) and Affordable Care Act (ACA). ERISA applies to employee welfare...
Strengthening Your Cyber Defenses Before It’s Too Late
In today’s digital age, small and medium-sized businesses (SMBs) face increasing risks from cyber threats. A recent blog by Fusco Orsini & Associates highlighted the significant impact of the CrowdStrike incident and underscored the importance...
Subcontractor Agreements & Getting Started
Are you hiring a subcontractor for your business? If so, it is vital to establish a formal relationship between your business and the subcontractor from the very beginning. Doing so lets you set expectations, define...
Transform Your Culture with an Employee Assistance Program
When outside stresses plague employees, performing their work responsibilities to the best of their ability can be challenging. When their overall health suffers, their productivity also suffers. To combat these types of issues, an Employee...
Everything You Need to Know About COBRA Administration
COBRA stands for the Consolidated Omnibus Budget Reconciliation Act. This federal law allows individuals to extend employer-sponsored healthcare coverage for specific events temporarily. For example, employees who leave their position may pay their insurance premiums...
What is a Flexible Spending Account (FSA)?
A Flexible Spending Account allows employees to set aside pre-tax money for certain healthcare expenses. Employees can put money directly into this account for out-of-pocket costs. Employees who incur a qualifying expense can submit proof...
Streamlining Workers’ Comp Claims with our Concierge Service
Post-Injury Management: As a business owner, you know that managing workers’ compensation claims can be a complex and time-consuming process. It’s a challenge that requires meticulous attention to detail and a proactive approach to ensure...
Implementing Effective Abuse Prevention Plans
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An Interactive and Easy Guide to Employee Handbooks
Employee handbooks are powerful tools that communicate your business’s policies, best practices, benefits, team culture, and more. They clearly state your organization’s expectations and foster a positive and vibrant work environment. We strongly recommend that...
What is a Mock OSHA Inspection and How Can It Benefit Your Business?
The Occupational Health and Safety Act (OSHA) ensures employers provide employees with a safe work environment. This law sets standards for workplace safety, compliance, and best practices. Why conduct a mock OSHA inspection? Businesses might...
How Can Loss Control Audits Improve Your Bottom Line?
What is a Loss Control Audit? A Loss Control Audit is a process that organizations and insurers can use to evaluate and reduce risks that might lead to potential losses. Risk management professionals carry out...
Using A Nurse Triage Membership to Protect Your Employees
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Partner with 4C Advising on Your Insurance Premium Audit Support
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....
The Impact of Return to Work Programs for Employers
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...
Automating Certificate of Insurance Tracking with 4C Advising
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...
TB39 – Minimum Essential Coverage (MEC) Plans with Tommy Gaffney
Tommy Gaffney has served in the benefits industry for several years. His knowledge and passion for the industry led to his current role as Vice President of National Sales at Evolved Benefits. Tommy joins this...
Risk
Management
Solutions to help you reduce risk, mitigate crises, set stakeholder expectations, and leverage your unique strengths.
Compliance
Solutions
Strategies to ensure you meet legal requirements and industry standards and build trust and credibility. Also, protection from fines!
Human
Resources
Resources to expand your HR, enhance productivity, and improve team satisfaction. 4C in-house services coming soon!
Employee
Wellness
Programs to protect your team with benefit offerings that boost attendance, retention, and acquisition. Improve retention!
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