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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 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 you don’t know can hurt you!
Identifying Risky Exclusions in Subcontractor Insurance In recent months, I’ve written articles and released videos aimed at general contractors, highlighting how exclusions within general liability policies can significantly impact business protection. I have also emphasized...
Contractors: How can I easily verify my subcontractors?
Welcome to 4Contractors by 4C Advising → your place to build your strongest contractor business yet! The 4C series is simple. In each post, we answer one burning question contractors have so you can take care...
Construction Budgets & Insurance: A Contractor’s Guide to Getting Covered
Budgets are crucial in ensuring a project stays on track financially. Yet, despite their deep industry experience, many contractors may not be entirely familiar with how construction budgets work, especially when securing insurance policies like...
Closing the Gaps: Understanding and Mitigating Action Over Exclusions
Liability exclusions can be a minefield for businesses, especially in industries like construction, where risk is part of the job. Among the most misunderstood are the “Action Over Exclusion” and “Third-Party Action Over Exclusion” found...
Is a Project-Specific General Liability Policy the Right Choice for Your General Construction Company?
Imagine you’re about to embark on a major construction project—a custom home build that could define your company’s legacy (and bottom line). The stakes are high, and so are the risks. While your standard general...
AUDIT NIGHTMARES: Why Subcontractor Compliance is Critical for General Contractors
Imagine this: Your business has just completed a successful year, projects are on track, and you’re ready to focus on new opportunities. Then, your general liability or workers’ compensation audit arrives. Instead of business as...
Subsidence Exclusions in Pool Contractor Policies: Why Swimming Pool Contractors Need to Examine Their Liability Coverage Closely
In the insurance business, situations often arise that provide opportunities to educate our valued clients. This is why I firmly believe that insurance is, at its core, a relationship business. Open communication and honest dialogue...
Subcontractor Agreements & Getting Started
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...