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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.
Strengthening Your Cyber Defenses Before It’s Too Late
In today’s digital age, small and medium-sized businesses (SMBs) face increasing risks from cyber threats. A recent blog by Fusco Orsini & Associates highlighted the significant impact of the CrowdStrike incident and underscored the importance of cyber insurance in mitigating…
How to Qualify for a Workers’ Compensation Experience Modifier in California
Welcome to our Insurance and Advising FAQs. This post will guide you in qualifying for a California workers’ compensation experience modifier. Comprehending these factors is vital for controlling your insurance expenses and guaranteeing your business is properly safeguarded. We will…
Understanding Surplus Lines Billing and Payment Plans: A Real-Life Client Example
Welcome back to “From Mike’s Desk.” Today, I’m diving into a common topic our clients ask about: surplus lines billing and how payment plans work. To illustrate this, I’ll share a real-life example of an email I sent to a…
Understanding Workers’ Compensation Audits: Navigating the Uniform Statistical Reporting Plan in California
Navigating workers’ compensation audits in California, especially concerning the Uniform Statistical Reporting Plan (USRP), can be intricate. Over the years, many policyholders have found it challenging to comprehend which compensations should be included in the remuneration for workers’ compensation premiums.…
7 Key Coverages that All Businesses Should Have to Protect from Hurricanes
Our heartfelt sympathies go out to everyone affected by Hurricane Beryl’s devastation. We send our thoughts and best wishes to the people of the greater Houston area and neighboring communities as they navigate this difficult period. Hurricane Beryl, a powerful…
Streamlining Workers’ Comp Claims with our Concierge Service
Post-Injury Management: As a business owner, you know that managing workers’ compensation claims can be a complex and time-consuming process. It’s a challenge that requires meticulous attention to detail and a proactive approach to ensure your employees receive the support…
Implementing Effective Abuse Prevention Plans
In today’s risk management landscape, having a comprehensive Abuse Prevention Plan is not just a best practice—it’s often a requirement. Insurance companies are increasingly mandating these plans as a prerequisite for Abuse and Molestation insurance coverage. At 4C Advising, we…
Navigating Abuse Insurance Requirements for School Districts
In recent years, an increasing number of school districts have started requiring abuse and molestation insurance (Abuse, for short) for all contractors, regardless of whether they work directly with children. The new requirement has left many contractors confused and unprepared.…
Transitioning Apartment Building Coverage to the Excess and Surplus Lines Insurance Market
Last week, I moved a client who owns a five-unit apartment building in San Francisco from the ‘standard’ or ‘preferred’ market to the ‘surplus’ or ‘non-admitted’ market. Like many policyholders in California and other states, my client was non-renewed by…
General Liability Insurance vs. Professional Liability Insurance
One of the most underrated yet critical decisions you face when starting a small business is selecting the right insurance coverage. Every business is unique, and choosing the right coverage for your needs is vital to success. Two of the…