We have paused offering personal lines products to NEW customers because of circumstances beyond our control in the insurance market. We will continue to serve our existing clients and do our best to secure coverage. Such products include homeowners, private automobiles, umbrellas, landlord coverage, renters, and other personal property insurance. Thank you for understanding!
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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
Category Learn – Education
3 reasons why the team at FOA starts your renewal process early!
In today’s video, Mike Fusco explains the renewal process at Fusco Orsini & Associates and details 3 reasons why FOA starts a client’s renewal 60-120 in advance of the policy effective date. THANK YOU TO OUR AMAZING CLIENTS First, I…
You have several options when hiring an insurance company
Hi, this is Mike with Fusco Orsini and Associates. At FOA, we provide struggle-free insurance and risk management services for busy people. Now, I want to, first of all, thank you for the opportunity to earn your business and,…
What are the Differences Between a Commercial Package Policy and a BOP?
Business owners have many decisions to make when running their businesses, from inventory management and human resources to insurance and risk management. It can be challenging to know what kinds of insurance coverages are the best to purchase for your…
Everything you should know about Workers’ Compensation experience modification factors
Small business owners in California need to know about the state’s experience rating system for Worker’s Compensation insurance. California is different from many other states in the way they manage Workers’ Compensation. If your business qualifies for an experience rating,…
Modern Day Insurance Underwriting and How it May Impact Your Company
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…
What Is Employee Practices Liability Insurance?
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…
When Do You Need Commercial Auto Insurance?
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).…
The Difference Between a “Per Occurrence Limit” and an “Aggregate Limit”
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…
Your Commercial Liability Insurance May Cover You For The Present, But What About The Past?
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…
Know When The Sun Sets On Your Commercial Insurance Claim Coverage
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…