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...
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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
The Experience Modification Factor (EMF) Explained + How to Keep Your EMF Low
Title: 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...
Transitioning Commercial Building Coverage to the Excess and Surplus Lines Insurance Market
Last week, I moved a client who owns a commercial building in Los Angeles from the ‘standard’ or ‘preferred’ market to the ‘surplus’ or ‘non-admitted’ market. Like many policyholders in California and other states, my...
Simplify Payroll and Workers’ Compensation
A New 4C Advising Partnership At 4C Advising, we’re committed to finding solutions that help businesses thrive. That’s why we’re excited to announce a new partnership that will streamline payroll and workers’ compensation integration. This...
Social Engineering
What is social engineering? Cybercriminals use social engineering to gain access to sensitive data and systems. By preying on key human behaviors, such as respect for authority figures, fear of conflict, and response to incentivization,...
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...
How Small Businesses Can Avoid Insurance Gaps
Most business owners know that getting insurance coverage is an essential layer of protection. But do you know what your insurance covers, and have you accounted for all potential situations? We sometimes find that small...
Zywave Client Portal: A One-Stop-Shop for Risk Management & Compliance
As a business owner, it’s common to wear many (or sometimes…all) of the hats. You probably got into business to provide a product or service, and then you quickly realized there are so many more...
Mike Fusco Receives Certified Insurance Counselor Designation
FOR IMMEDIATE RELEASE Mike Fusco of Fusco Orsini & Associates Insurance Services Receives Certified Insurance Counselor Designation San Diego (Sept. 5, 2024) – Mike Fusco, CEO and co-founder of San Diego’s Fusco Orsini & Associates...