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 (EPLI) 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 employees risks getting hit 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…
Let’s just get this out into the open – INSURANCE IS CONFUSING. There are forms. Many forms. Forms filled with fine print, limitations, and clauses you’ve never heard of before. Typically speaking, most consumers do not enjoy reading their insurance…
Prior Works Exclusion Explained If you own a construction company, you already know how absolutely critical it is to have comprehensive general liability insurance. This insurance will protect your company in the event that any damages or injuries occur as…
Sunset Insurance Clauses Explained If you own a construction company, remodeling company or any other type of business with a higher-than-average risk of liability, it’s extremely important to know how long your general liability insurance policy covers any liability your company may…
If you find that your construction company is expected to provide a performance bond as part of a project, that’s a good thing. It means that you have won a bid and are preparing to start a job. When your company starts…
For many construction industry professionals, surety bonding presents a challenge. We receive phone calls on a daily basis from clients and prospects alike, many of which have been asked to provide a bond but don’t know where to begin. Although…
When working on a new construction project, there are plenty of things to worry about, including cost overruns, meeting all state deadlines, finding high-quality sub-contractors, making sure all the equipment arrives on time and in good shape, etc… Unfortunately, you…
A business owner’s insurance policy (BOP) is a bundled package of individual insurance products meant to provide comprehensive insurance coverage to small- and medium-sized business owners. (See our previous blog post all about BOP). BOPs vary in their structure but…
A situation: Let’s say that you have potential clients coming into your business to learn more about your company’s services. You and your team have spent weeks putting the finishing touches on a presentation, and you’re sure that you’ll blow…
If you or your employees regularly travel in rental cars as part of the job, or if your business rents trucks or other vehicles in order to provide a service, then it’s a very good idea to purchase hired auto liability…
As a small- or medium-sized business owner in California, your plate is full of responsibilities. Not only do you have to run your business and keep your customers happy, but you may also have to oversee employees, do your own…
What is a BOP? If you are a small to medium business owner, you may find that a BOP is right for you. A BOP, or Business Owners Policy, is an insurance package specifically designed to be an all-encompassing insurance product to suit your needs. Whether…
A new law makes it easier for you to determine whether you have an employee or an independent contractor on your hands. It’s called the “ABC Test,” and it’s used in many states. …
As National Breast Cancer Awareness Month approaches, we are proud to announce our participation in “Promotions That Give Back” benefitting Susan G. Komen San Diego. Komen San Diego is the only organization that studies San Diego County to identify the gaps…
What is a Premium Audit? A routine part of Workers’ Compensation Policy Because you rely on your insurance broker to be thorough, informed, and detail-oriented, you can expect that terms and regulations on your policies will be adhered to –…
MyWaveConnect is a paid client portal that is available to Fusco and Orsini clients. Why are we offering this? To provide you, our client, with relevant, accurate and time-saving resources all in one place! MyWaveConnect provides a newsfeed of resources…
At Fusco Orsini & Associates, we’re dedicated to making the complex insurance world easy for our clients. For that reason, we’re bringing you a brand new Client Portal. The Portal provides all clients with a more straightforward way to manage…
The manufacturing industry has a unique set of insurance needs beyond those of the typical business, whether it’s investment capital to purchase machinery or lease warehouse space, a transportation fleet to deliver materials or products, or insurance to protect against…
In a recent post, we talked about dual wage classifications for California workers compensation within the construction industry. Today, we’re continuing our chat about workers comp and what the construction industry needs to know. We’ll delve into waiver of subrogation…
If you own a construction company and have a California-based business, this post is for you. Workers compensation is critically important when it comes to the construction industry because of the physical risk inherent in the profession. You (or your…
Workers compensation is necessary, not evil. It protects you, the employer, from being sent into financial dire straits in the event that an employee is hurt on the job. Before workers compensation, employees would sue their workplace to recoup costs…
Do you know the difference between a bond and insurance? If you don’t, have no fear. That’s what we’re here for! Specifically, we’ll be going over the difference between surety bonds and liability insurance in the construction industry. If you’ve…
If you’re in the construction industry and in the market for a CGL policy to fulfill a contract, you visited the right page. Watch our video, or read to learn about the CG 20 10 1185 endorsement. Today we’re talking…
Employment Practices Liability Insurance (EPLI) covers such issues as wrongful termination and sexual harassment. If you own a company in the state of California, you may feel like staying abreast of the constant change in employment laws is like nailing…
Why are Employee Benefits so Important With unemployment rates near 20-year lows in San Diego and across most parts of California, employers are taking a hard look at incentives that can help retain their best employees and find good, new…
Sacramento Leaders Pass Law Requiring Solar for New Home Construction The sun came out for clean energy advocates this year when California state lawmakers determined that beginning in 2020, all new residential buildings up to three stories high must have…
Did you know that 280 people go the emergency room with fireworks-related injuries every day during the month surrounding the 4th of July? That’s according to the US Consumer Products Safety Commission, which publishes an annual report detailing the previous…
Business auto insurance can be confusing for the owner of a company, but you must have adequate coverage in place to protect your livelihood and your employees. The scope of your policy needs to be broad enough to mitigate potential…
Hi friends, Fusco & Orsini is in the finals for “Best Insurance Provider” in San Diego‘s Best Union Tribune Readers Poll! We’re up against national agencies and we’d love your support in helping us make the top of the list. Thank you for your time…
Attention Fusco & Orsini business clients! This is to inform you that there is an important change happening which requires your immediate attention. SB 189 is a new legislation that changed the Labor Code Section 3351. It revises the changes…
We wouldn’t have gone into business if it weren’t for California Contractors. We started and built our business around helping these folks cover their bases when it comes to insurance and prepping for audit season. Watch the video and scroll through these…
As business owners, you’ve heard the term “coinsurance”, but if someone asked you to define it, you wouldn’t know how to answer. If this sounds like you, click the video link below and watch as Mike Fusco explains coinsurance, and…
A business owner’s policy (BOP) can help small business owners to get up and running with the various insurance coverages they need, like property and liability insurance, without having to take out a bunch of separate policies. By having the insurance lines…
By: Melanie McCann, Broker, Fusco & Orsini Insurance Services Wanna know the secret to adulting? It’s asking for guidance. In the case of assessing your insurance needs, the team at Fusco & Orsini is happy to help. When you are…
14-year-old Sophia Righthouse was praised this week for identifying a structure fire and jumping to action to warn residents. This particular 14-year-old was a Girl Scout and a Young Marines youth service member who had also completed a FEMA certification training…which is…
Great question! We offer a replacement cost guarantee of 25% or 50% on most our homeowners policies, which goes above and beyond the dwelling coverage. We do this to protect our customers in the event of inflation or high demand,…
When you purchase homeowners insurance, did you know that you are buying coverage not only to replace the cost of damage to your home, but also damage to personal property within your home? Homeowners insurance can also offer liability coverage…
Most of us purchase homeowner’s or renter’s insurance directly from an insurance company or through an agent/broker and don’t really think twice about it as long as it meets the minimum requirements of the lender or the landlord; but there are…
Actual cash value. Depreciation. Extended Replacement Cost. Are you well versed in the terminology of homeowners’ insurance? If not, read on! Depreciation Depreciation basically means that your home loses value over time because the home ages and some items and…
Health insurance is a complicated topic and one that most find very personal. After all, no two individuals have the same health needs or consume health services the same way. Many of us want different things from our policies. Here…
