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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
Click. Search. Deny? How the Internet Shapes Your Insurance Rates
Imagine this: You’ve filled out all the applications, handed over years of loss runs, and spent hours with your insurance advisor putting together the perfect application. You’re expecting a fair proposal—maybe even a competitive one....
Still Unsure About Filing a Workers’ Comp Claim? Here’s the Hard Truth
Delaying a workers’ compensation claim is one of the biggest mistakes an employer can make. Think you’re saving money by waiting it out? Hoping the injury will “resolve itself”? Wrong. Failing to file a workers’...
OSHA’s Top 10 Violations for 2024: What Employers Need to Know
Workplace safety is non-negotiable, and the Occupational Safety and Health Administration (OSHA) ensures that employers uphold critical safety standards. OSHA releases its list of the most frequently cited workplace violations each year. This report is...
Understanding Total Cost of Risk (TCOR): A Guide for Business Owners
As a business owner, you make daily decisions that impact your bottom line. You review expenses, manage payroll, and negotiate contracts—but have you ever stopped to think about the total cost of risk (TCOR) in...
Contractors: What Should I Know About Bonds
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...
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...
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...