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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.
Why Are Workers Comp Rates Increasing In California?
Why Are Workers’ Comp Rates Increasing in California? (2025 Update) Workers’ compensation insurance is a non-negotiable part of doing business in California. It protects employees who suffer workplace injuries or illnesses while shielding employers from potential financial devastation. However, many…
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…
What is a Manifestation Clause, and Does Your General Liability Policy Include One?
Let’s just get this out into the open – INSURANCE IS CONFUSING. There are forms. Many forms. Forms filled with fine print, limitations, and clauses you’ve never heard of before. Typically speaking, most consumers do not enjoy reading their insurance…
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 a…
Know When The ‘Sunsets’ 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…
Preventing Theft and Vandalism on Construction Worksites
When working on a new construction project, there are plenty of things to worry about, including cost overruns, meeting all state deadlines, finding high-quality sub-contractors, making sure all the equipment arrives on time and in good shape, etc… Unfortunately, you…
How much is a Business Owner’s Insurance Policy?
A business owner’s insurance policy (BOP) is a bundled package of individual insurance products meant to provide comprehensive insurance coverage to small- and medium-sized business owners. (See our previous blog post all about BOP). BOPs vary in their structure but…
What Is Non-Owned Auto Liability Insurance?
Non-owned auto liability insurance is crucial for businesses whose employees use personal vehicles for work-related tasks. This coverage protects your company from potential lawsuits if an employee causes an accident while performing job duties in their car. Understanding Non-Owned Auto…
What Is Hired Auto Liability Insurance?
If you or your employees regularly travel in rental cars as part of the job, or if your business rents trucks or other vehicles in order to provide a service, then it’s a very good idea to purchase hired auto liability…
What is a Business Owner’s Insurance Policy?
As a small- or medium-sized business owner in California, your plate is full of responsibilities. Not only do you have to run your business and keep your customers happy, but you may also have to oversee employees, do your own…