Welcome to our Insurance and Advising FAQs. This post will guide you in qualifying for a California workers’ compensation experience modifier. Comprehending these factors is vital for controlling your insurance expenses and guaranteeing your business is properly safeguarded. We will…
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…
Welcome back to “From Mike’s Desk.” Today, I’m diving into a common topic our clients ask about: surplus lines billing and how payment plans work. To illustrate this, I’ll share a real-life example of an email I sent to a…
Navigating workers’ compensation audits in California, especially concerning the Uniform Statistical Reporting Plan (USRP), can be intricate. Over the years, many policyholders have found it challenging to comprehend which compensations should be included in the remuneration for workers’ compensation premiums.…
Our heartfelt sympathies go out to everyone affected by Hurricane Beryl’s devastation. We send our thoughts and best wishes to the people of the greater Houston area and neighboring communities as they navigate this difficult period. Hurricane Beryl, a powerful…
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.…
Over the past 18 months, I’ve engaged in insightful conversations with insurance industry colleagues regarding implementing RPA technology in my business. Throughout these interactions, I discovered a common thread in the questions posed by business owners nationwide. To address these…
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…
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…
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…
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…
In recent years, an increasing number of school districts have started requiring abuse and molestation insurance (Abuse, for short) for all contractors, regardless of whether they work directly with children. The new requirement has left many contractors confused and unprepared.…
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…
Are you ready to navigate California’s new workplace violence prevention law and ensure your workplace is safe and compliant? Managing a business in California is already a complex task, and introducing a new law might seem like just another demand…
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…
Last week, I moved a client who owns a five-unit apartment building in San Francisco from the ‘standard’ or ‘preferred’ market to the ‘surplus’ or ‘non-admitted’ market. Like many policyholders in California and other states, my client was non-renewed by…
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…
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…
One of the most underrated yet critical decisions you face when starting a small business is selecting the right insurance coverage. Every business is unique, and choosing the right coverage for your needs is vital to success. Two of the…
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…
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…
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…
Trucking company owner and operator Raymond, 37, of Encino, appeared in court in January 2024 on 30 felony counts of unauthorized use of personal identifying information and forgery. A Department investigation found he allegedly created and distributed fraudulent insurance documentation…
If we could give one piece of advice to general contractors, it would be: Read all forms relating to the use of subcontractors or independent contractors in your general liability policy! If you hire subcontractors, there will be language in…
All commercial general liability (CGL) policies are not created equal! As a contractor, it’s vital to know your policy inside and out and read all forms relating to the use of subcontractors or independent contractors. You can save yourself a…
Introduction In the competitive and risk-prone construction world, small contractors often navigate through a labyrinth of insurance requirements. BTIS, a respected Managing General Underwriter (MGU), has recently implemented a policy of auditing general liability coverage for small contractors at the…
‘Tis the season…to make sure everything is squared away with your employee benefits! We know this topic probably doesn’t get you in the holiday spirit, but our quick checklist will help you ensure you can stay on the nice list…
Construction can be a risky business! That’s why it’s important for contractors to obtain insurance coverage and also understand the parameters of their policy. Like most other insurance policies, Contractor’s Insurance does include some exclusions or limitations, so policy holders…
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,…
Accidents happen! From little slips and falls to data breaches or technical meltdowns, unfortunately, this is reality for business owners or managers. You can have a top-notch safety program, educate your employees and train them on best practices and still…
Phishing scams continue to be a widespread and growing threat in the digital world. It’s more important than ever to educate your employees about common email phishing scams to help protect your organization from potential security breaches and data loss. …
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…
Did you know that 87% of employees consider health and wellness packages when selecting their employer? With the growth of hybrid work and the challenge of retaining talented employees, it is more important than ever for employers to develop and…
If you have a Commercial Auto Insurance Policy for your business, it’s important to understand how it works and how to keep your claims low. Commercial Auto Insurance is essential for any business that uses vehicles in their operations. A…
Insured and Bonded are two terms that are commonly used in business, particularly when discussing contractors or those providing professional services and their requirements. Let’s start with what it means to be insured… When you are insured you purchase coverage…
If you deal with workers’ compensation – this one’s for you! Workers’ compensation insurance is crucial in protecting employees in the event of workplace injuries or illnesses. The Experience Modification Factor (EMF) is one of the most important concepts for…
Although wildfires can occur at any time throughout the year, they are most common between April and October. Significant portions of the United States are at risk of experiencing the effects of wildfires, particularly in the western and southern regions.…
Fine dining experiences can be found in a variety of unique restaurants that provide not only food, but an overall memorable experience. They can be small and intimate, large and grand, food-focused, experience focused or offer food from all around…
Fusco Orsini & Associates is excited to welcome Kelly Pavez to our team as a customer service representative in our Employee Benefits Department. Kelly was born in Juneau, Alaska and is now based in Southern California. She began her insurance…
The restaurant industry is a dominant piece of our everyday life and a large portion of our time revolves around food and spending time with friends and family over meals out of the home. In fact, 84% of consumers say…
Food truck culture has been on the rise for many years, especially in California’s greater Los Angeles area where there are approximately 4,000 food trucks. It is both an exciting and a relatively affordable way to enter the restaurant business,…
Fusco Orsini & Associates is thrilled to welcome Daniel Miller to the team! Daniel joins us as a broker with a focus on commercial lines and property & casualty insurance. We would love to help you get to know him…
Fusco Orsini & Associates is pleased to welcome Manuela Warren to the team! Manuela joined us this month as an account executive with a focus on commercial lines and property & casualty insurance. To help our clients get to know…
If you’re a contractor bidding on public or private commercial projects, you’ll likely need to be bonded to win the contract. Contract bonding assures the project owner that you’ll complete the work according to the terms of the agreement. However,…
Are you considering starting your own general contracting business in California? While there are many steps involved in setting up your company properly, doing so will keep you organized and compliant and ensure your credibility to future clients. There are…
Commercial property insurance is a vital component of a comprehensive risk management plan for businesses of all sizes. This insurance coverage protects businesses from the financial losses of property damage or loss. However, there are different commercial property insurance policies,…
I work daily to assist businesses with their insurance and risk management needs. And each day, I take notice of the myths that exist and circulate in the business insurance industry. Clients and prospects seem confused about similar topics, which…
This guide provides questions and answers to employers’ most frequently asked OSHA questions.
Employee handbooks are essential tools for establishing employee expectations, addressing workplace issues, and defending against potential lawsuits. Failing to update employee handbooks regularly can make employers vulnerable to legal risks and liabilities, resulting in costly fines, penalties, and attorneys’ fees.…
