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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.
A Thanksgiving Table of Business Success: Lessons in Risk, Compliance, and Teamwork
Thanksgiving isn’t just about the food—it’s about the whole experience: a perfectly roasted turkey, classic sides, a few family debates, and football! Running a business is like hosting Thanksgiving—it takes planning, teamwork, and a great playbook. Whether it’s Fusco Orsini…
Triple Net Leases and Commercial Insurance Strategies: Structuring Policies for Landlords and Tenants
Over the course of my career, it’s become common practice to work with business owners who decide to purchase commercial real estate to house their operations. In many cases, the owner forms a unique and separate entity when taking ownership…
Bonded vs. Insured – What’s the difference?
Insured and Bonded are two terms that are commonly used in business, particularly when discussing When speaking about insurance for contractors, a term often used is “bond.” Beyond traditional types of insurance, a bond is an additional protection that covers…
The Ultimate Guide to Insuring Business Trailers [10 Types and How to Cover Them]
“If they are licensed for road use, we would not cover under the IM policy. These should be scheduled on the auto policy.” This is a common response from underwriters when discussing coverage options for business trailers. It underscores the…
Subsidence Exclusions in Pool Contractor Policies: Why Swimming Pool Contractors Need to Examine Their Liability Coverage Closely
In the insurance business, situations often arise that provide opportunities to educate our valued clients. This is why I firmly believe that insurance is, at its core, a relationship business. Open communication and honest dialogue allow us to fulfill our…
Is a Professional Employer Organization (PEO) My Best Option?
If your business is changing and you are deciding between growing an in-house HR team, utilizing a PEO, or blending in-house tasks with select service providers, this blog is for you. To PEO or not PEO – that is the…
Business Insurance & Wildfires
Wildfires can occur at any time throughout the year, though they are most common between April and October. The western and southern regions of the United States typically have the greatest risk of experiencing the effects of wildfires. According to…
The Experience Modification Factor (EMF) Explained + How to Keep Your EMF Low
If you want to lower your workers compensation premium while prioritizing employee safety – this one’s for you! As you probably know, workers’ compensation insurance is crucial in protecting employees in the event of workplace injuries or illnesses. And, an…
5 Ways to Save on Home and Auto Insurance Responsibly
As living costs continue to rise in California, consumers face difficult choices about budgeting for essential expenses, including insurance. Home and auto insurance policies are necessary to protect your most valuable assets, but balancing the costs of these policies with…
How to Read an Experience Modification Worksheet
When it comes to workers’ compensation insurance, there are many factors that go into calculating the cost you pay. Insurance companies want to understand the exposure on their end and you want to know why you pay what you do,…