Foresee your vulnerabilities. Safeguard your assets. Ensure your growth.

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 things involved in growing your company the right way.  One day you need to write an employee handbook and the […]

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, especially if there are measures you can take to reduce your risk. The Experience Modification […]

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 to make sure it’s legit? Imagine your long-time associate at a top vendor emails you an invoice requesting payment via […]

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 these areas.  As we have seen with Hurricane Beryl and countless other storms, particularly in coastal areas, weather events can […]

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 benefit programs for employers of all sizes. It includes group health plans but excludes church and government plans.  The ACA […]

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 of cyber insurance in mitigating such risks. Building on that discussion, this blog from 4C Advising delves deeper into practical […]

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 roles and responsibilities, and set terms and conditions. These steps can help you reduce risk and disputes moving forward. There […]

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 Assistance Program (EAP) can help. “I had the opportunity to utilize the Employee Assistance Program (EAP) offered at my workplace […]

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 themselves to continue coverage even after their job ends. The COBRA process can be complicated despite this being a common […]

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 and receive a reimbursement. Employers can contribute to their employees’ FSAs but are not required. What expenses are eligible for […]

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 your employees receive the support they need while keeping your business compliant and financially stable. That’s where our partnership with […]

In today’s risk management landscape, having a comprehensive Abuse Prevention Plan is not just a best practice—it’s often a requirement. Insurance companies are increasingly mandating these plans as a prerequisite for Abuse and Molestation insurance coverage. At 4C Advising, we specialize in developing tailored Abuse Prevention Plans to help you meet these requirements and protect […]

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 our clients have an employee handbook written and ready to deploy, as it can significantly enhance their business operations and […]

 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 choose to conduct their own mock OSHA inspection for various reasons. A mock inspection can help prepare an organization for […]

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 these audits and advise on hazards or safety protocols that may need to be improved. Why might an organization conduct […]

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 safety resources that we find business owners sometimes overlook is a Nurse Triage Membership. What […]

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 the end of a policy term and can apply to different insurance policies, including workers’ […]

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 is crucial to have a well-crafted return-to-work plan in place. You would want your employees […]

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 prone to errors and required a lot of resources. However, with the integration of advanced […]

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 to Fusco Orsini & Associates because we know we can do more for our clients. […]