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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
Insurance Products
Embark on a journey through the intricate world of insurance with ‘Navigating Insurance,’ your ultimate guide to understanding and making the most of your insurance options. This category is designed to illuminate the path for individuals and businesses, demystifying everything from basic policy terms to advanced coverage strategies. Whether seeking to protect your family, secure your assets, or safeguard your business, ‘Navigating Insurance’ offers expert insights, tips, and advice to help you make informed decisions. Explore a wealth of articles catering to all levels of insurance knowledge, equipping you with the tools you need to navigate the insurance landscape confidently.
Want To Lower Workers’ Compensation Rates? Implement A Construction Safety Program
Companies throughout California are struggling with sticker shock as workers’ compensation insurance rates continue to skyrocket. Workers’ comp rates can be a particularly large burden to companies with a high risk of injury, like construction and manufacturing companies. Wouldn’t you like to…
The Indirect Costs of a Workplace Accident
Workers’ compensation insurance helps insulate a company from the direct costs of an employee injury. For example, the company’s workers’ compensation policy will pay for medical care and will cover partial wages while the worker or workers recover. While direct…
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 originally 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…
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…
How Much Does Employee Practices Liability Insurance Cost?
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…
Why Do Employers Need Employee Practices Liability Insurance?
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, and much more. All too often, however,…
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).…