We have paused offering personal lines products to NEW customers because of circumstances beyond our control in the insurance market. We will continue to serve our existing clients and do our best to secure coverage. Such products include homeowners, private automobiles, umbrellas, landlord coverage, renters, and other personal property insurance. Thank you for understanding!
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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
Workplace Impairment: How to Address Substance Abuse, Mental Health, Fatigue, and Stress
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…
TB40 – Pro-Cal Provides The Light, So Their Team Can Shine. A Session With Brian Morales
“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…
IRS Raises Mileage Rates for Second Half
of 2022
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…
of 2022
California to Increase Bond Limits for Contractors and RMOs Starting 1/1/2023
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,…
Musculoskeletal Disorders: The Leading Cause of Injury in the Workplace
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…
TB39 – Minimum Essential Coverage (MEC) Plans with Tommy Gaffney
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: Be Safe, Be Aware, Be Prepared!
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…
Can you explain the ‘your work’ exclusion on my general liability insurance policy?
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’…
Three reasons why you should never allow your insurance policy to cancel!
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…
TB38 – Dan Kolosowski on ERC (Employee Retention Credit)
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.…
FAQ: Can you list all my insurance policies on one Certificate of Liability ACORD 25 form?
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…
Your business auto insurance policy does not cover your tools and equipment!
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…
TB37 – Talent Acquisition, Staffing, and More with Julie Brown
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…
Learn how to read an ACORD 25 (Certificate of Liability Insurance)
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…
TB36 – April Enriquez Joins Team Business to Discuss Branding, PR, and Marketing
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,…