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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
Off-Site Coverage and WRAP Projects: When Enough Is Enough
Subcontractors working under WRAP policies like OCIPs or CCIPs 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...
What is a group captive insurance program, and should I consider it for my business?
What is group captive insurance? 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, numerous members pool...
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...
Rethinking Insurance Sensitivity: Business versus Personal
As an agency principal who works closely with business owners on both sides of their insurance portfolios, I’ve noticed an interesting pattern that says a lot about how we perceive risk, value, and cost. Here’s...
Click. Search. Deny? How the Internet Shapes Your Insurance Rates
Imagine this: You’ve filled out all the applications, handed over years of loss runs, and spent hours with your insurance advisor putting together the perfect application. You’re expecting a fair proposal—maybe even a competitive one....
Still Unsure About Filing a Workers’ Comp Claim? Here’s the Hard Truth
Delaying a workers’ compensation claim is one of the biggest mistakes an employer can make. Think you’re saving money by waiting it out? Hoping the injury will “resolve itself”? Wrong. Failing to file a workers’...
OSHA’s Top 10 Violations for 2024: What Employers Need to Know
Workplace safety is non-negotiable, and the Occupational Safety and Health Administration (OSHA) ensures that employers uphold critical safety standards. OSHA releases its list of the most frequently cited workplace violations each year. This report is...