In this episode of the Team Business podcast, host Mike Fusco interviews Rachel Robison, the CEO, and Co-Founder of Siege Technology Solutions and SiegeAOS, an all-in-one operating system for your business! Rachel speaks about the ability to customize Siege to…
Whether you are a homeowner or a renter, getting the right kind of insurance for your situation should be a priority. Here are some of the important things to remember and misconceptions we find clients have about both of these…
In this episode of the Team Business podcast, hosts Mike Fusco interviews Arian Radmand, CEO at IgnitePOST. IgnitePOST helps brands create magic moments for their customers. The firm’s real pen and ink handwritten notes cut through the digital noise to…
In this episode of the Team Business podcast, host Mike Fusco interviews Heath Shearon, known in many business circles as “The Mayor,” who is a consultant and focuses on helping businesses improve their time management. Although his firm, Agency Performance…
The change to work comp dual wage classification thresholds takes effect on 9/1/2022 for all new and renewed policies. The Workers’ Compensation Insurance Rating Bureau (WCIRB) of California changed dual wage classification thresholds for the first time since 1 Please…
Loss Run Reports: What are they and what do they mean for your business insurance? A loss run report is a document that summarizes the insurance losses of a policyholder. The insurance company compiles the report and usually sends it…
You may be interested in hiring workers based in other states as business owners. Hiring in other states can be a great way to expand your business and reach new markets. However, you must be aware of those states’ workers’…
</p>, National Safety Month is the perfect time to focus on slips, trips, and falls – a leading cause of workplace injuries. Every year, slips, trips, and falls lead to millions of dollars in lost productivity and medical expenses. In…
If you’re an employer, it’s time to start paying attention to injury prevention. Too often, businesses focus on the bottom line and ignore the potential for injuries in their workplace. This can be a costly mistake – not only in…
If you think the public accounting is too large to disrupt, think again. Chase Birky finds that the accounting space is ripe for disruption with an aging workforce, an archaic structure, and general resistance to new technologies. And he’s making…
Workplace impairment can take many forms, from substance abuse to mental health issues like fatigue and stress. In this blog post, we’ll be taking a closer look at workplace impairment and how to address it. Fatigue and stress are two…
“We Provide The Light, So You Can Shine.” Pro-Cal Lightning, Inc. is an electrical contracting firm in San Diego County. Since we first spoke to Brian Morales at the onset of the COVID pandemic, a lot has changed in the…
For the first time since 2011, the IRS has made a midyear adjustment to the optional mileage rate used to calculate the deductible costs of operating an automobile for business and other specific purposes. The agency said the change is…
Starting January 1st, 2023, the Contractors State License Board of California will increase all bond limits from $15,000 to $25,000. This includes contractor license bonds and RMO bonds in the state. The change comes as part of Senate Bill 607,…
Did you know that Musculoskeletal Disorders are the leading cause of injury in the workplace? They account for nearly 33% of all workplace injuries. That’s why preventing sprains and strains from happening in the first place is essential. In this…
Tommy Gaffney has served in the benefits industry for several years. His knowledge and passion for the industry led to his current role as Vice President of National Sales at Evolved Benefits. Tommy joins this episode of the Team Business…
June is National Safety Month, and we are delivering on our mission to help our clients reduce the likelihood of workplace injuries. During June, Fusco Orsini & Associates will provide resources to raise awareness of workplace safety. We will provide…
You are familiar with the ‘your work’ exclusion if you’ve read your general liability policy. And if you’re like most people, you want to know more about how the ‘your work’ exclusion affects your insurance protection. Although the ‘you work’…
Most insurance policyholders understand the importance of insurance protection at the time of a loss. Whether the loss is an auto accident, a structure fire, a theft, or even a lawsuit, people know that an in-force insurance policy may provide…
Dan Kolosowski serves as Regional Vice President of 401(k) Markets for Transamerica. In this episode of the Team Business podcast, Dan joins the show to speak about ERC (Employee Retention Credit) and provides valuable information that all employers should understand.…
Can you list all my insurance policies on one Certificate of Liability ACORD 25 form? After posting my recent video titled “Learn How to Read an ACORD 25 (Certificate of Liability Insurance), many viewers reached out with great questions. Thank…
I think it’s safe to say that business owners, CFOs, accountants, controllers, or even bookkeepers cringe at a workers’ compensation final audit. Most business audits are painful; they take time and resources and sometimes create unexpected financial consequences, such as…
One of the most significant points of misinformation in commercial lines insurance relates to the business auto policy and coverage for tools and equipment. Did you know that, in most cases, the business automobile insurance policy DOES NOT pay for…
Julie Brown is an experienced business owner of 27 years and serves as a strategic talent advisor to the insurance industry. Whether you’re in the insurance industry or not, this is an episode you don’t want to miss. Julie provides…
The ACORD 25, or Certificate of Liability Insurance, is one of the more recognizable documents in the commercial insurance business. Every day, the team at FOA delivers hundreds of ACORD 25 forms to and on behalf of our clients. Although…
In this episode of the Team Business podcast, host Mike Fusco interviews April Enriquez, an award-winning public relations and brand messaging expert, and WordPop Public Relations founder. April will help you clarify your message so clients can more easily discover,…
One of the most misunderstood or overlooked insurance products for construction industry professionals is Controlled Insurance Programs (CIPs). It’s essential for contractors to understand CIPs, whether an OCIP (Owned-Controlled Insurance Program) or CCIP (Contractor-Controlled Insurance Program). Mike Fusco explains CIPs…
ATTENTION CONTRACTORS! READ your insurance requirements. It will mean the difference between a profitable construction business and one that sinks into the red. Fusco Orsini & Associates has 50+ years of combined experience working with contractors. We KNOW insurance requirements…
Business owners often get confused regarding the difference between a certificate holder and an additional insured. Mike Fusco explains the differences in today’s video using both technical terms and non-specialists’ terms. We hope you gain a better understanding after watching.…
Here is a question for all of the business owners watching this video. What is more important when reviewing your business insurance costs? 1) The insurance PREMIUM, or 2) The insurance RATE If you answered 2), the insurance RATE, you…
If you’re a California general contractor, you understand the challenge associated with workers’ compensation insurance. Fusco Orsini & Associates (FOA) provides workers’ compensation programs to general contractors in California. Our vast experience allows us to connect clients with the best…
In this episode of the Insurance Haus podcast, host Mike Fusco is joined by Gwendolyn Larkin, Gwendolyn has an extensive and impressive career working in the insurance industry, specifically in carrier claims departments. Gwendolyn currently serves as Enterprise Claims Technical…
As the commercial auto insurance marketplace continues to harden, small business owners must understand ways to save on their auto insurance policy. Although we expect business auto insurance premiums to level out or potentially decrease starting in 2022, Mike Fusco…
Welcome back, business owners! As business owners, we understand the costs associated with workers’ compensation insurance. We also know that work comp claims will drive up the insurance costs and erode a business’ bottom line! You must remain aware…
You can expect the insurance company to perform an inspection if you have a business insurance policy, such as general liability or commercial property. You can guarantee that the business insurance company inspects if you have contractors’ insurance. And when…
Can you believe it’s 2022? Mike Fusco and his team at Fusco Orsini & Associates wish you and yours a HAPPY and HEALTHY NEW YEAR. I’m sure you have big plans for 2022, both personally and professionally. We have big…
In this solo episode of the Team Business podcast, Mike Fusco provides three quick and easy tips to improve your company culture for remote workers. Episode Highlights: Mike reveals that some of the people they work with have had a…
You own a business and carry general liability insurance. You renewed the insurance policy, and shortly after, you received a request to conduct a general liability audit from the insurance company. You are unfamiliar with the audit process and are…
You have a plumbing company; or, you are starting a plumbing business. You realize you can’t service all of your clients alone as you grow. Naturally, you begin to consider hiring, whether it’s your first employee or adding to the…
Mike and Ray are thrilled to welcome Dan Kolosowski, Regional Vice President of Transamerica to The Insurance Haus podcast. Dan brings over 15 years of experience to our show and will discuss retirement planning with our audience. We hope to…
In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Kevin Snow, Founder and Chief Sales Strategist of Time On Target. Kevin helps businesses close more sales by better understanding their sales process and identifying…
Most insurance carriers issue commercial general liability insurance policies on an occurrence form. In contrast to the claims-made policy I discussed in previous videos, the occurrence form policy covers claims arising out of damage or injury during the policy period,…
In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez discuss the growing trend known as “THE GREAT RESHUFFLE,” which is the movement of employees and laborers to new employers. How does a business owner combat…
If you’re in the construction industry, you expect to receive a certificate of insurance requests on your contractor’s liability policy often. In some cases, you will receive a request for a waiver of subrogation endorsement on your general liability policy.…
Foresight workers’ compensation is at the forefront of the insurtech market. We are very proud of our partnership with Foresight because they deliver an excellent product to our clients. At the time of this video, Foresight is the only program…
Restaurant insurance is essential to the day-to-day operations of your establishment. A quality restaurant policy, such as a business owner’s policy (BOP) or commercial package policy, will protect your business in the event of a loss. Restaurant insurance policies often…
Fusco Orsini & Associates is an independent insurance agency that partners with DocuSign. You may have received a DocuSign envelope to sign your paperwork in the past; FOA uses the platform to enhance customer experience and ensure ease of…
Here’s a frequently asked question: What is the cost of a workers’ compensation waiver of subrogation? The answer isn’t straightforward since insurance companies charge for their work comp waiver of subrogation (WOS) endorsements differently. Read on to learn more! BLANKET…
Thank you for watching our video on FOA Client Package spotlight #9 – a dedicated service team. At Fusco Orsini & Associates, we believe in providing the best customer experience for all of our clients. And we think that the…
We hear about cybercrimes constantly. Ransomware attacks, cyberextortion, identity fraud, phishing scams, malware; are all around us. With the increase of cyber activity in 2020 and 2021, cyber insurance, such as cyber liability, has become more critical. CYBER LIABILITY INSURANCE…
