Blog

Do 1099 workers need workers comp? Learn legal requirements, risks of no coverage, costs, and how contractors and businesses can protect against job-site injuries.

Subcontractor vs independent contractor: understand key differences, legal risks, taxes, and insurance impacts to avoid costly misclassification mistakes.

Licensed, bonded and insured explained: learn what each means, why it protects you, and how to verify contractor credentials before hiring to avoid risk.

Certificate of Liability Insurance (COI) explained: learn what it covers, how to verify it, and why businesses and contractors need COIs for risk protection.

Subcontractor insurance explained: learn required coverage types, COIs, liability risks, and how to protect your business from costly subcontractor claims.

What is a broker of record (BOR)? This guide explains how BOR letters work, when to switch brokers, and what happens to your insurance coverage.

Learn 6 key cyber risk insights for 2026, including AI threats, evolving insurer requirements, and practical steps for SMBs.

What insurance do gig workers need? Learn key coverage types, common gaps, and how to protect yourself as an independent contractor.

The DOL’s proposed 2026 independent contractor rule could change worker classification for SMBs. Learn the economic realities test and steps to prepare.

Most general liability policies exclude pollution claims. Learn how environmental liability affects small businesses and contractors, and what coverage may fill the gap.

Learn how to respond to a general liability claim for your small business, including what to document, when to report, and mistakes to avoid.

Is your business underinsured? Explore common coverage gaps, key warning signs, and steps SMB owners can take to reduce risk.

Learn the 2026 benefit limits for 401(k)s, HSAs, FSAs, and HDHPs, what changed from 2025, and how to plan smarter this year.

Celebrating 15 years in business, Fusco Orsini & Associates shares how its insurance strategy, capabilities, and client relationships have evolved.

Learn what’s at stake without a business continuity plan. Explore real examples from e-commerce, financial services, and homebuilding—and how to build an effective BCP.

Many SMBs skip cyber liability insurance, thinking they’re too small or not at risk. Learn why that’s risky and how coverage strengthens your business.

Learn how cyber liability insurance, interruption coverage, continuity planning, and team training can protect small businesses from cyber risks.

Yes -- small businesses are prime cyber targets. Learn FAQs, real-life examples, and expert tips to protect your business from today’s top threats.

Open enrollment for employee health insurance explained. HR leaders and employees can compare workplace benefits to make smart coverage decisions.

Think your business is covered? Take our Insurance IQ Quiz to spot gaps & protect against today’s biggest risks.

Back-to-school season is the perfect time for business owners to take a snapshot, review coverage, set goals, and close insurance gaps for growth.

Discover how your property value affects your homeowners insurance. Learn how changes in your home’s value can influence your coverage options and premiums.

Learn what a Business Owners Policy (BOP) is, what it covers, and how it can save your business money with all-in-one insurance protection.

Learn about special insurance concerns for homeowners and how to protect your property with the right coverage. Explore tips for safeguarding your home against unique risks.

Understand health insurance basics: essential benefits, plan tiers, HSAs, subsidies, and how to choose the right coverage for your needs.

Learn how to qualify for a workers' compensation experience modifier in California. Understand the factors affecting your experience modification and how it impacts your business insurance premiums. Read more for detailed insights.

Businesses of all sizes and sectors can be targeted by ransomware, and it's capable of infecting entire organizational networks.

Discover what types of insurance your restaurant needs, from general liability to EPLI, with real-world examples to guide your decisions.

Discover how our company leverages RPA technology to streamline daily operations, boosting efficiency for small to medium-sized businesses. Learn how RPA can transform your business!

Discover 5 smart ways to save on home and auto insurance without cutting essential coverage. Learn how to reduce premiums responsibly through higher deductibles, discounts, and more.

Discover the critical claims and coverage laws every California policyholder needs to know when facing fire losses. Learn how to protect your rights and navigate the insurance process.

Discover how 4C Advising and Fusco Orsini & Associates' new partnership streamlines payroll and workers' compensation, providing businesses with real-time insights, faster payroll processing, and seamless workers' comp integration.

National Safety Month is the perfect time to focus on slips, trips, and falls – a leading cause of workplace injuries.

From bundling policies to improving safety practices and more, here are 8 smart ways to save on insurance premiums.

Cybercriminals use social engineering to gain access to sensitive data and systems. Businesses of all sizes should prepare for these attacks.

Ensure your solar contracting business is protected with the right general liability coverage. Learn how this essential insurance safeguards your team, projects, and reputation, keeping your operations running smoothly.

If you’re hesitating to file a workers’ compensation claim, you’re making a mistake. Here’s the hard truth about why you need to act now.

Discover how partnering with our claims concierge helps streamline workers' comp claims management, improving efficiency and support.

From modeling self-care to promoting underused benefits like EAPs, here are ways to help your employees manage stress.

General contractors: protect yourself! Learn why reading subcontractor clauses in your liability policy is critical and how to stay compliant.

A subcontractor agreement will help you establish a formal relationship 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.

Hidden exclusions in subcontractor insurance policies can leave general contractors exposed to costly risks. Learn how to identify exclusions, ensure compliance, and protect your business with proper COI tracking and risk management solutions.

Explore how insurance policies take the field in the ultimate Super Bowl of business coverage. From General Liability as the quarterback to Cyber Insurance as the wide receiver, discover how to build your championship-winning team of protection.

Confused about surety bonds? Learn the basics of license, bid, performance, and payment bonds to protect your construction business.

Learn how rising tariffs impact small business owners in manufacturing and e-commerce. Get tips on risk, insurance, and staying resilient.

Learn how tariffs are increasing auto, commercial, and homeowners insurance costs—and what business owners and consumers can do to stay ahead.

Discover how Fusco Orsini & Associates and 4C Advising help businesses build team cohesion and a strong company culture through tailored strategies for thriving workplaces.

Discover how TELUS Health is offering free counseling and resources to support individuals affected by the Los Angeles fires. Learn more and access help today.

Boost retention and productivity with tailored employee benefits packages. Learn cost-effective strategies to attract and keep top talent