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

With an advisory team that will uncover your business’s blind spots. 

Trending services offered by 4C Advising

Explore Our Top-Requested Services

Employee Assistance Programs
Employee Care

Employee Assistance Programs

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 Administration
Human Resources

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 themselves to continue coverage even after their job ends. The COBRA process can be complicated despite this being a common […]
Flexible Spending Account (FSA)
Employee Care

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 and receive a reimbursement. Employers can contribute to their employees’ FSAs but are not required. What expenses are eligible for […]
Image showcasing our agency partner, Zenjuries, a company that simplifies workers' compensation claims management.
Risk Management

Streamlining Workers’ Comp Claims with Zenjuries

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 […]

Implementing Effective Abuse Prevention Plans

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 […]
the image shows a woman holding a booklet and the post in about employee handbooks
Human Resources

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

Mock OSHA Inspections

 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 […]
Loss Control Audits
Risk Management

Loss Control Audits

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 […]
Employee Care

Nurse Triage Membership

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 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. This process takes place after the end of a policy term and can apply to different insurance policies, including workers’ […]
Risk Management

Return to Work Program

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 […]
Risk Management

Automating COI Tracking

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 […]

Welcome to 4C Advising

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. […]

Risk Management

Solutions to help you reduce risk, mitigate crises, set stakeholder expectations, and leverage your unique strengths.

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Compliance Solutions

Strategies to ensure you meet legal requirements and industry standards and build trust and credibility.

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Human Resources

Resources to expand your HR capabilities, enhance productivity, and improve team satisfaction.

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Employee Wellness

Programs to protect your team with benefit offerings that boost attendance, retention, and acquisition.

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Don’t Leave Critical Business Functions in the Dark

You want to go all in on your business. But without an operational right-hand to help you understand and improve the underserved functions of your business, it can be overwhelming and leave you feeling in the dark.


Foresee Your Vulnerabilities

Risk management, compliance, HR, and employee wellness solutions are often the most underserved functions in your small to medium-sized business. We’ll bring these blind spots and vulnerabilities to light.

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Safeguard Your Assets

After identifying these underserved functions, we’ll collaborate with trusted partners to build a comprehensive plan to safeguard your people, property, and performance.

Ensure Your Growth

With critical functions illuminated and fortified, you're now positioned for sustainable growth and success!

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Work with Someone Who Understands

After serving more than 20,000 clients in the SMB space, we’ve seen how detrimental it can be to delay addressing critical operational functions. This leads to increased risk and hindered growth. That’s why we’re committed to proactively safeguarding and enhancing your business.

What clients say across our 2,000+ 5-star reviews:

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Learn More About Our Process.

  • You Talk, We Listen.

    Complete a simple intake form detailing your unique needs.

  • Personalized Proposal

    Receive a tailored proposal and meet the associate who will guide and organize your process.

  • The Big Picture is Yours.

    Relax, knowing you’ve taken steps to foresee what’s ahead, including growth.

Remove Your Business Blinders. We Can Help.

Rooted in insurance since 2010, our highly communicative team is ready to provide comprehensive support, including insurance, risk management, compliance, HR, and employee wellness solutions.

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