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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.
Your business auto insurance policy does not cover your tools and equipment!
One of the most significant points of misinformation in commercial lines insurance relates to the business auto policy and coverage for tools and equipment. Did you know that, in most cases, the business automobile insurance policy DOES NOT pay for…
Learn how to read an ACORD 25 (Certificate of Liability Insurance)
The ACORD 25, or Certificate of Liability Insurance, is one of the more recognizable documents in the commercial insurance business. Every day, the team at FOA delivers hundreds of ACORD 25 forms to and on behalf of our clients. Although…
Info on Controlled Insurance Programs That Every Contractor Should Know
One of the most misunderstood or overlooked insurance products for construction industry professionals is Controlled Insurance Programs (CIPs). It’s essential for contractors to understand CIPs, whether an OCIP (Owned-Controlled Insurance Program) or CCIP (Contractor-Controlled Insurance Program). Mike Fusco explains CIPs…
ATTENTION CONTRACTORS! READ your insurance requirements!
ATTENTION CONTRACTORS! READ your insurance requirements. It will mean the difference between a profitable construction business and one that sinks into the red. Fusco Orsini & Associates has 50+ years of combined experience working with contractors. We KNOW insurance requirements…
Certificate Holder vs. Additional Insured: Key Differences Explained
Understanding the Difference Between a Certificate Holder and an Additional Insured: A Clear Guide for Business Owners In business insurance, two terms that often cause confusion are “certificate holder” and “additional insured.” As a business owner, you’ve likely encountered these terms…
Attention! Business owners, Focus on your insurance RATE, not your insurance PREMIUM.
Here is a question for all of the business owners watching this video. What is more important when reviewing your business insurance costs? 1) The insurance PREMIUM, or 2) The insurance RATE If you answered 2), the insurance RATE, you…
The 4 Best Workers’ Compensation Programs for California General Contractors
If you’re a California general contractor, you understand the challenge associated with workers’ compensation insurance. Fusco Orsini & Associates (FOA) provides workers’ compensation programs to general contractors in California. Our vast experience allows us to connect clients with the best…
3 Ways to Save on Your Business Auto Insurance Policy
As the commercial auto insurance marketplace continues to harden, small business owners must understand ways to save on their auto insurance policy. Although we expect business auto insurance premiums to level out or potentially decrease starting in 2022, Mike Fusco…
8 Red Flags to Look for if You Suspect Employee Workers’ Comp Fraud
Welcome back, business owners! As business owners, we understand the costs associated with workers’ compensation insurance. We also know that work comp claims will drive up the insurance costs and erode a business’ bottom line! You must remain aware…
When Your Business Insurance Company Inspects – What Should You Expect?
You can expect the insurance company to perform an inspection if you have a business insurance policy, such as general liability or commercial property. You can guarantee that the business insurance company inspects if you have contractors’ insurance. And when…