From Mike Fusco’s Desk

If you work in commercial insurance, you may already know the term “blocking the market.” This concept plays a regular role in how insurance companies (i.e., carriers) handle commercial insurance. However, many business owners, especially those new to the process,…

From Mike’s Desk Every day, I hear real stories from small business owners doing their best to stay resilient in a challenging and unpredictable world. This series brings those stories forward, highlights their challenges, and offers a perspective that often…

Tariffs are often discussed in the context of politics and global trade, but their impact reaches far beyond headlines and policy debates. One of the most significant and overlooked consequences is their effect on insurance rates and the long-term health…

As an agency principal who works closely with business owners on both sides of their insurance portfolios, I’ve noticed an interesting pattern that says a lot about how we perceive risk, value, and cost. Here’s my take on a surprising…

Imagine this: You’ve filled out all the applications, handed over years of loss runs, and spent hours with your insurance advisor putting together the perfect application. You’re expecting a fair proposal—maybe even a competitive one. But when the numbers return,…

As we close the chapter on 2024 and enter 2025 as our 15th year in business, I reflect on a year marked by growth, innovation, and steadfast dedication to our clients. At Fusco Orsini & Associates and 4C Advising, our…