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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
5 Builders Risk Policy Endorsements You Should Never Overlook
Builders risk insurance is an essential protection for contractors, developers, and property owners! Construction is complex. Every project is different; timelines shift, materials change, and budgets evolve. A builders’ risk insurance policy helps protect the...
EMPOWER YOUR TEAM: Free Toolkit for Safety Stand-down to Prevent Falls in Construction
Fall prevention training is critical to maintaining the safety of your construction company. Did you know that fatalities caused by falls from elevation continue to be the leading cause of death for construction employees? Falls...
Protect Your Business with Customized Equipment Lease Contracts
Leasing equipment plays a critical role in keeping your business running smoothly. Whether you work in construction, manufacturing, event planning, or another industry that relies on tools and machinery, a solid lease contract protects your...
What Does It Mean to “Block the Market” in Commercial Insurance?
If you work in commercial insurance, you may already know the term “blocking the market.” This concept plays a regular role in how insurance companies (i.e., carriers) handle commercial insurance. However, many business owners, especially...
Off-Site Coverage and OCIP Insurance Projects: When Enough Is Enough
Subcontractors working under OCIP Insurance are already familiar with the process. You enroll in the WRAP, provide a bid credit to account for insurance you’re no longer supplying, and proceed knowing your work under the...
What is a group captive insurance program, and should I consider it for my business?
What are the benefits of captive insurance programs? A group captive insurance program is when multiple companies come together to form their own insurance company instead of relying on a third-party provider. In other words,...
When Policy Ignores Reality: The Real Cost of Tariffs for Small Product-Based Businesses
From Mike’s Desk Every day, I hear real stories from small business owners doing their best to stay resilient in a challenging and unpredictable world. This series brings those stories forward, highlights their challenges, and...
Transform Your Workplace with Professional HR Guidance
Introducing Monthly HR Advising Services by 4C Advising Doing human resources (HR) solo can be a lonely experience, even though HR is at the heart of organizational culture and employee well-being. While trying to support...
When Trade Wars Hit Home: The Real Cost to Insurers and Insureds
Tariffs are often discussed in the context of politics and global trade, but their impact reaches far beyond headlines and policy debates. One of the most significant and overlooked consequences is their effect on insurance...