-
Address: 5095 Murphy Canyon Rd Suite 200, San Diego, CA 92123
-
Phone: (858) 384-1506
-
Email: hello@foagency.com
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...
Employer Alert: Common Health Plan Mistakes That Could Cost You
Navigating the complexities of employer-sponsored health plans is a critical responsibility for any business owner. However, even well-intentioned employers can inadvertently make compliance errors, leading to significant financial penalties and legal challenges. From neglecting to...
Being a Confidently Happy Small Business Owner
Is being confidently happy the underdog benefit of getting your risk management and operations in order? I remember the day clearly. Three years into starting our insurance brokerage, I realized that we were under-resourced and...
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...
Unlocking Growth: Private Equity Infrastructure Opportunities for SMBs
A New Era of Infrastructure Investment As the CEO of an insurance agency and advisory firm that works exclusively with small to medium-sized businesses, I am always excited to discover opportunities that can improve our...
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...
From the Gridiron to Your Business: The Super Bowl of Business Coverage
As the NFL playoffs heat up, the excitement of the big game brings to mind the critical roles insurance policies play in protecting businesses. Just like NFL players on a championship run, each policy has...
Are car insurance premiums going up in 2025?
Article at a glance: Are car insurance premiums going up in 2025? As we enter a new year, it’s safe to say that most of us want to maximize our dollars, crush our goals, and...
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...