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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.
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…
Understand your insurance audit in less than 6 minutes!
You own a business and carry general liability insurance. You renewed the insurance policy, and shortly after, you received a request to conduct a general liability audit from the insurance company. You are unfamiliar with the audit process and are…
Everything plumbers need to know about workers’ compensation costs
You have a plumbing company; or, you are starting a plumbing business. You realize you can’t service all of your clients alone as you grow. Naturally, you begin to consider hiring, whether it’s your first employee or adding to the…
An introduction to the occurrence form general liability insurance policy
Most insurance carriers issue commercial general liability insurance policies on an occurrence form. In contrast to the claims-made policy I discussed in previous videos, the occurrence form policy covers claims arising from damage or injury during the policy period, regardless…
What is the cost of a waiver of subrogation endorsement on a contractors’ liability policy?
If you’re in the construction industry, you expect to receive a certificate of insurance requests on your contractor’s liability policy often. In some cases, you will receive a request for a waiver of subrogation endorsement on your general liability policy.…
5 factors that contribute to the cost of your restaurant insurance policies
Restaurant insurance is essential to the day-to-day operations of your establishment. A quality restaurant policy, such as a business owner’s policy (BOP) or commercial package policy, will protect your business in the event of a loss. Restaurant insurance policies often…
What is the cost of a workers’ compensation waiver of subrogation?
Here’s a frequently asked question: What is the cost of a workers’ compensation waiver of subrogation? The answer isn’t straightforward since insurance companies charge for their work comp waiver of subrogation (WOS) endorsements differently. Read on to learn more! BLANKET…
What is the cost of a cyber insurance policy? Watch to learn more.
We hear about cybercrimes constantly. Ransomware attacks, cyberextortion, identity fraud, phishing scams, malware; are all around us. With the increase of cyber activity in 2020 and 2021, cyber insurance, such as cyber liability, has become more critical. CYBER LIABILITY INSURANCE…