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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
Contractor’s Toolkit
Dive into the ‘Contractor’s Toolkit,’ curated by our insurance experts to empower contractors with the knowledge and strategies essential for risk management and protection. This category demystifies insurance solutions tailored to the unique needs of the construction industry, from liability coverage and workers’ compensation to bonding and beyond. Whether navigating the complexities of project insurance or seeking ways to safeguard your business and employees, ‘Contractor’s Toolkit’ provides the guidance and tools you need to build a secure and resilient contracting business.
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 the importance of compliance, especially…
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 of business. Let’s jump in!…
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 builder’s risk insurance. Whether you’re…
Closing the Gaps: Understanding and Mitigating Action Over Exclusions
Liability exclusions can be a minefield for businesses, especially in industries like construction, where risk is part of the job. Among the most misunderstood are the “Action Over Exclusion” and “Third-Party Action Over Exclusion” found in General Liability policies. These…
Is a Project-Specific General Liability Policy the Right Choice for Your General Construction Company?
Imagine you’re about to embark on a major construction project—a custom home build that could define your company’s legacy (and bottom line). The stakes are high, and so are the risks. While your standard general liability insurance has served you…
AUDIT NIGHTMARES: Why Subcontractor Compliance is Critical for General Contractors
Imagine this: Your business has just completed a successful year, projects are on track, and you’re ready to focus on new opportunities. Then, your general liability or workers’ compensation audit arrives. Instead of business as usual, you’re hit with a…
Subsidence Exclusions in Pool Contractor Policies: Why Swimming Pool Contractors Need to Examine Their Liability Coverage Closely
In the insurance business, situations often arise that provide opportunities to educate our valued clients. This is why I firmly believe that insurance is, at its core, a relationship business. Open communication and honest dialogue allow us to fulfill our…
Subcontractor Agreements & Getting Started
Are you hiring a subcontractor for your business? If so, it is vital to establish a formal relationship between your business and the subcontractor from the very beginning. Doing so lets you set expectations, define roles and responsibilities, and set…
How do I know if my subcontractors are insured?
Trucking company owner and operator Raymond, 37, of Encino, appeared in court in January 2024 on 30 felony counts of unauthorized use of personal identifying information and forgery. A Department investigation found he allegedly created and distributed fraudulent insurance documentation…
Sub-contractor Forms and Endorsements to Know
If we could give one piece of advice to general contractors, it would be: Read all forms relating to the use of subcontractors or independent contractors in your general liability policy! If you hire subcontractors, there will be language in…