Previously, the Contractors State License Board (CSLB) only required C-39 roofing contractors with or without employees to carry workers’ comp insurance. As of January 1, 2023, this requirement changed to include the additional licensed contractors regardless of whether they have…
The change to work comp dual wage classification thresholds takes effect on 9/1/2022 for all new and renewed policies. The Workers’ Compensation Insurance Rating Bureau (WCIRB) of California changed dual wage classification thresholds for the first time since 1 Please…
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,…
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’…
One of the most misunderstood or overlooked insurance products for construction industry professionals is Controlled Insurance Programs (CIPs). It’s essential for contractors to understand CIPs, whether an OCIP (Owned-Controlled Insurance Program) or CCIP (Contractor-Controlled Insurance Program). Mike Fusco explains CIPs…
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…
If you’re a California general contractor, you understand the challenge associated with workers’ compensation insurance. Fusco Orsini & Associates (FOA) provides workers’ compensation programs to general contractors in California. Our vast experience allows us to connect clients with the best…
Introduction to California’s $100,000 LLC/Employee Worker Bond Hi, this is Mike with Fusco Orsini & Associates, where we provide struggle-free insurance and risk management services for busy people. We also offer lots of help with companies’ bonding programs. Now…
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…
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…
