-
Address: 5095 Murphy Canyon Rd Suite 200, San Diego, CA 92123
-
Phone: (858) 384-1506
-
Email: hello@foagency.com
From Mike Fusco’s Desk
Straight to the point, no frills, insurance, and risk management information from Mike Fusco, the co-founder and CEO of Fusco Orsini & Associates and Managing Partner of 4C Advising. Mike works daily in industry trenches and writes about important information his audience must know.
Subsidence Exclusions in Pool Contractor Policies: Why Swimming Pool Contractors Need to Examine Their Liability Coverage Closely
In the insurance business, situations often arise that provide opportunities to educate our valued clients. This is why I firmly believe that insurance is, at its core, a relationship business. Open communication and honest dialogue allow us to fulfill our…
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 costs of these policies with…
Top 5 Tips for Avoiding Workers’ Compensation Claims
Over the years, I’ve seen how workers’ compensation claims can significantly impact a company’s bottom line, particularly in industries like construction, manufacturing, or any field involving physical labor. A single claim can lead to higher insurance premiums and influence your…
Lessons for SMBs from the CrowdStrike Incident and the Importance of Cyber Insurance
In today’s digital landscape, the threat of cyberattacks is ever-present, and no business, regardless of size, is immune. Despite this, many small and medium-sized enterprises (SMBs) believe they are unlikely targets for cybercriminals. This misconception can have devastating consequences. According…
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…
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…
RPA in Action: Enhancing Daily Operations for SMBs
Over the past 18 months, I’ve engaged in insightful conversations with insurance industry colleagues regarding implementing RPA technology in my business. Throughout these interactions, I discovered a common thread in the questions posed by business owners nationwide. To address these…
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.…
California’s Workplace Violence Prevention Law
Are you ready to navigate California’s new workplace violence prevention law and ensure your workplace is safe and compliant? Managing a business in California is already a complex task, and introducing a new law might seem like just another demand…
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…