In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Brad Wise, the Executive Chef and Owner of Trust Restaurant Group. San Diego’s Chef of the year in 2019, Brad talks about his journey…
Calling all business owners, HR professionals, risk managers and compliance professionals! Are you confident in your company’s safety policies and procedures? Do you sometimes think your industry is exempt because you hold office jobs and “the worst thing that can…
In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Ryan Sisson, the CEO of Moniker Group. Ryan talks about his role in the company, and how his leadership approach in business gives an opportunity…
In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Matt Sedlock, the Owner of Western Lighting & Energy Control Solutions. Matt talks about his knowledge and expertise in the lighting industry and how the…
In our latest episode of The Insurance Haus, Mike Fusco and Ray Ramirez welcome special guest Michael Payton, senior vice president of sales and account management at Choice Administrators, the nation’s leading developer and administrator of private health insurance exchanges.…
In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Paolo Pirjanian, the Founder and CEO at Embodied, Inc. Paolo talks about his passion and love for technology and how he developed a robot called…
In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Grant Botma, the Founder of Culture Course and Stewardship. Grant talks about his knowledge and expertise in the financial services industry and how to establish…
In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Christopher Lynch, Co-Founder of Everyday California. Chris talks about how they built their business from a small kayaking tour company to the ocean adventure and…
In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Chase Birky, CPA, President and Co-Founder of Dark Horse CPA. Chase talks about the significance of technology in the CPA and accounting industry. He also…
In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Brian Morales, Founder and CEO of Pro-Cal Lighting Inc. Brian shares his knowledge and expertise in the lighting industry and how he built Pro-Cal Lighting. Episode Highlights: Mike introduces Brian Morales. (4:37) Brian thinks that…
Team Business podcast has officially launched! Team Business uncovers the everyday entrepreneurs why, how, and the road to now. Join us to learn how game-changing founders act on their vision and build a team for success! In the first episode…
We’re pleased to announce the launch of The Insurance Segment with Mike and Ray, a new educational video series focused on dispelling myths and providing information related to wellness and insurance decisions. During our first segment, we had the honor…
Avoiding Delays, Disputes and Damage Note to contractors and subs: Get more eyes to review subcontracting agreements Everything from lien rights to project expectations are included in contracts for your jobs. But all you need is a faulty or incomplete…
If you’ve ever been soaking in the sun playing Words with Friends, you’ve probably seen the warning pop up – a forced shutdown on your phone due to overheating. While smartphones and tablets can take temperatures up to about 113…
COVID-19 Reopening Considerations for Restaurants San Diego County officials were notified last night that dining at restaurants and in-store shopping can begin. In recent months, the COVID-19 pandemic has forced restaurants and foodservice businesses to either close or shift to…
Good morning, I hope this update finds you and your family in good health. As we continue to move through these unprecedented times, our job as your insurance agents continues to evolve as well. Please know that, like you, this…
Below is a brief summary of how the new $2 trillion stimulus package can help small businesses. Unlike other SBA loans, owners do not have to put up collateral or personally guarantee the loans. They also are not required to…
Are you a handyman, electrician, plumber, painter, remodeler, carpenter, designer or provider of another household service? During these unchartered times, we’re doing our best to provide you with ideas to support your business. First, it is important to take care…
Michael Fusco, president and co-founder of Fusco & Orsini Insurance Services, was invited to speak at a conference of the Insurance Agency Owners Alliance, or IAOA, on January 24, 2020. The annual event drew more than 800 owners and 100…
Dear F&O Friends and Family, We would like to extend our warmest wishes for a peaceful holiday season and an abundant new year. As we reflect on the year, we’d like to thank you for your continued business and support.…
Fall allergies are upon us. Here are a few suggestions to keep your team from sniffling and sneezing this season: Wear a mask while raking leaves or working with mulch or hay. Use a dehumidifier in your home to avoid…
Climate change in the office can minimize injuries and costs When you own a company, you are uniquely positioned to make decisions that benefit your profit margin, and at the same time, your employees. But it’s actually their position –…
Fusco & Orsini’s Mike and Ray discuss cybercrime, who is susceptible, what the pain points and costs are, and ways to get ahead of the crime that’s threatening businesses of all sizes. First, what is cybercrime? Cybercrime is criminal…
Benefits packages are a cost-effective way for you to bring value to your employees and boost productivity and retention. Unemployment is at an all-time low and there are more jobs available than candidates to fill them. You’re under pressure to…
Tips to beat the heat this summer You don’t have to be a detective to see the sun is packing heat. And that means some potential for danger … unless you get clued in and put in place some protective…
How to Celebrate Safely If childhood memories of 4th of July festivities include such harmless fun as swimming holes and homemade ice cream, feel free to revive those traditions this year. But if you intend to “have a blast” (literally)…
If you thought a mimosa was just a half-OJ, half-champagne combo to accompany brunch, you probably limited its importance to Easter, Mother’s Day and bridal showers also. But, believe it or not, this tangerine-tinted aureate laureate actually owns a day…
In a public service announcement, the Federal Bureau of Investigation (FBI) announced that remote administration tools, such as Remote Desktop Protocol (RDP), as an attack vector has been on the rise since mid-late 2016. What does this mean for you?…
Do your part to keep your office safe from cyber attacks! You can download this one-page flyer and post it in your office: 4 Steps to Cyber Security Infographic When in doubt, don’t click! Think twice before installing anything on…
Fishing remains a top U.S. pastime. Sadly, another kind of “phishing” has become popular, too. Phishing is a type of cyber attack in which hackers disguise themselves as trusted sources online in order to acquire sensitive information. It is a…
Does cybersecurity leave you scratching your head? Grab a cup of coffee and we’ll walk you through it. We promise our easy-to-navigate guide will answer all of your questions. First, it’s important to acknowledge that businesses of all sizes need…
Do your employees use their company-issued computers indefinitely without updating the password? Does your organization use cloud-based storage? If so, tune in! In recent years, cyber attacks have emerged as one of the most significant threats facing organizations of all…
Available to Customers that Subscribe to our MyWave Connect Portal All businesses should be concerned with data protection and plan for cyber attacks. It’s a known fact that regardless of size, all companies are at risk of a data breach.…
Many states have embraced standards that businesses must follow to safeguard personal identifying information. Often these standards include ‘Data Security Breach Notification Requirements.’ In California, the California Attorney General’s Office implements these laws. It’s important to note that in February…
As if OSHA penalties weren’t already drastic, the Occupational Safety and Health Administration published a final rule on 1/23/2019 that increases maximum penalty amounts for 2019. The numbers are staggering; for most violations, the new maximum penalty amount is $13,260. …
At Fusco & Orsini Insurance Services, we understand the importance of keeping your employees protected. Did you know California passed a new law in September requiring sexual harassment prevention training? The law, which requires all employers with 5 or more employees to…
Companies throughout California are struggling with sticker shock as workers’ compensation insurance rates continue to skyrocket. Workers’ comp rates can be a particularly large burden to companies with a high risk of injury, like construction and manufacturing companies. Wouldn’t you like to…
Workplace accidents are a big liability to businesses. Not only is it a terrible tragedy whenever an employee is injured while performing their job, but it can also have big financial consequences for your company as well. Losing a valuable…
Workers’ compensation insurance helps insulate a company from the direct costs associated with an employee injury. For example, the company’s workers’ compensation policy will pay for medical care and will cover partial wages while the worker or workers recover. While the…
Inland marine insurance is one of the most confusing types of commercial insurance available, and many business owners aren’t sure exactly what it is or if they need it. In a nutshell, inland marine insurance was originally created to protect goods…
Inland marine insurance is often misunderstood. In fact, most business owners don’t know what inland marine insurance is, despite the fact that this type of coverage could be vital in protecting some of the owner’s most valuable property. Most of the…
There’s one overriding reason why contractors in California need to provide workers’ compensation insurance to their employees – it’s the law. California, along with almost every other state in the union, requires all employers, regardless of industry or number of employees, to…
Almost all companies utilize the Internet to promote their business. Online tools include customized websites, Facebook, Yelp and Twitter, among many others. For small businesses, the Internet provides valuable resources to improve visibility and credibility. However, although there are many positives associated with advertising online, there are also negatives. When…
Employee practices liability insurance (also called employer practices liability insurance) is a must-have for all businesses big and small. EPLI protects companies against claims of discrimination, harassment, wrongful termination, emotional distress and many other common employee complaints. Every business with…
We all hear the common stories in the news and from friends and other business owners of employees suing their employers for a variety of reasons, including harassment, discrimination, sexual harassment, wrongful termination, etc… All too often, however, business owners…
It’s unfortunate that discrimination, harassment, and wrongful termination claims are routinely made against companies large and small all across California and the nation. Even a single claim can cost a company significant time and money just to defend. Losing a…
If you regularly use your truck in the conduct of your business or have purchased vehicles specifically for your business, then personal auto insurance is not the correct coverage. You’ll need to purchase commercial auto insurance (also known as business auto insurance).…
Everyone appreciates getting paid for the work that they do, but rarely do employers have to take out a special type of bond just to guarantee that they’ll pay their employees, subcontractors, and suppliers. Unfortunately, construction companies are the exception…
If you are an employer or planning on starting a new business that will employ workers, you are required by the state to purchase workers compensation insurance to protect against the possibility of work-related injuries or illnesses. In return, your company is…
When you work in insurance, you quickly learn that every single word counts, especially when that word is inside an insurance policy document. That’s why it’s so important for business owners to understand the language they are likely to see…
