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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.
ATTENTION CONTRACTORS! READ your insurance requirements!
ATTENTION CONTRACTORS! READ your insurance requirements. It will mean the difference between a profitable construction business and one that sinks into the red. Fusco Orsini & Associates has 50+ years of combined experience working with contractors. We KNOW insurance requirements…
Certificate Holder vs. Additional Insured: Key Differences Explained
Understanding the Difference Between a Certificate Holder and an Additional Insured: A Clear Guide for Business Owners In business insurance, two terms that often cause confusion are “certificate holder” and “additional insured.” As a business owner, you’ve likely encountered these terms…
The 4 Best Workers’ Compensation Programs for California General Contractors
Workers compensation insurance for contractors is essential to protecting your business, meeting legal requirements, and ensuring injured workers get the care they need. If you’re a California general contractor, you understand the challenge associated with workers’ compensation insurance. Fusco Orsini…
Everything plumbers need to know about workers’ compensation costs
You have a plumbing company; or, you are starting a plumbing business. You realize you can’t service all of your clients alone as you grow. Naturally, you begin to consider hiring, whether it’s your first employee or adding to the…
Don’t overpay for your $100,000 LLC/Employee Worker Bond in California!
Introduction to California’s $100,000 LLC/Employee Worker Bond Hi, this is Mike with Fusco Orsini & Associates. We offer a lot of help with companies’ bonding programs. Now, in California, if you are a California contractor, you understand the need…
Note to contractors and subs: Get more eyes to review subcontracting agreements
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…
Who Needs Inland Marine Insurance?
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 initially created to protect goods…
What Is Inland Marine Insurance?
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…
Why Contractors in California Need Workers’ Compensation Insurance
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…
What Is A Payment Bond For Contractors?
Payment bonds can help your construction firm succeed! Construction professionals appreciate getting paid for their work, but employers rarely have to take out a special type of bond just to guarantee that they’ll pay their employees, subcontractors, and suppliers. Unfortunately,…