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TB20 – Team Business Welcomes E-Commerce Entrepreneur, Matthew Parvis!

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Matthew Parvis, Co-Founder, and CEO ...

TB19- Andrew Bartlow Is a Growth Company Advisor and Helps Startups Scale for Success

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Andrew Bartlow,  growth company advisor, ...

TB18 – Jackson Dalton Has a Passion For Safety. He Joins Mike & Ray to Speak About His Company, Black Box Safety

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Jackson Dalton, MPH, CSP, and ...

TB17 – Data is Everything, And Andrea Yoder Clark is a Data Scientist. She Joins as CEO of Predictive Portfolios

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Andrea Yoder Clark, CEO of ...

TB16 – Team Business Welcomes Brett Putter, a Leading Expert on Startup and High-Growth Company Culture

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez welcome  Brett Putter, a leading expert ...

TB15- Marc DeLeonibus Built a Technology Company to Enhance an Inefficient Industry. Learn More About Bold Penguin!

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez are joined by Marc DeLeonibus, Co-Founder ...

What are the Key Differences Between a Commercial Package Policy and a Business Owners Policy?

Business owners have many decisions to make when running their businesses, from inventory management and human resources to insurance and ...

TB14 – Jon Diamond Shares His Love for People and His Team

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Jon Diamond. He started, grew, ...

TB13 – Todd Cooper Shares How He Operates His Business by Outsourcing

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Todd Cooper, the owner and ...

Homeowners Insurance Questions and Answers

Homeowners Insurance products have many components. Read on to learn more. How can Comparing Quotes Help Homeowners Save Money on ...

Will COVID-19 Claims Affect my Workers’ Compensation Rates?

Workers’ Compensation has historically been coverage that is highly affected by prior incidents. A workers’ compensation carrier may use a ...

Attention California Small Business Owners – Here’s Everything you Should Know About Workers’ Compensation Experience Modification Factors

Small business owners in California need to know about the state’s experience rating system for Worker’s Compensation insurance. California is ...

TB12 – Team Business Welcomes Daniel Seong

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Daniel Seong, the Owner and ...

TB11 – David Munoz of Mission Legal Center Joins the Team Business Podcast

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview David Munoz, the Co-Founder and ...

TB10 – Team Business is Joined by COO Michelle Flores-Gonzales

In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Michelle Flores-Gonzales, COO & VP ...

TB9 – Team Business is Delighted to Welcome Chef of the Year Brad Wise

 In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Brad Wise, the Executive ...

Insurance Haus: Navigating Your Company’s Risk Management and Safety

Calling all business owners, HR professionals, risk managers and compliance professionals! Are you confident in your company’s safety policies and ...

TB8 – Team Business Welcomes Ryan Sisson of Moniker Group

In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Ryan Sisson, the CEO of ...

TB7 – Team Business Welcomes Matt Sedlock from Western Lighting

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Matt Sedlock, the Owner of ...

Insurance Haus: Health Insurance Options with Choice Administrators

In our latest episode of The Insurance Haus, Mike Fusco and Ray Ramirez welcome special guest Michael Payton, senior vice ...

TB6 – Paolo Pirjanian Joins Team Business to Talk about the Latest and Greatest in Robotics – Meet Moxie!

In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Paolo Pirjanian, the Founder and ...

TB5 – Team Business Welcomes Grant Botma

In this episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Grant Botma, the Founder of ...

TB4 – Team Business Welcomes Chris Lynch

In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Christopher Lynch, Co-Founder of Everyday ...

TB3 – Team Business Welcomes Chase Birky from Darkhorse CPAs

In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Chase Birky, CPA, President and ...

TB2 – Team Business Welcomes Brian Morales

In today’s episode of the Team Business podcast, co-hosts Mike Fusco and Ray Ramirez interview Brian Morales, Founder and CEO of Pro-Cal Lighting Inc. Brian shares his knowledge and ...

TB1 – Team Business Welcomes Dylan Mathias

Team Business podcast has officially launched! Team Business uncovers the everyday entrepreneurs why, how, and the road to now. Join ...

The Insurance Haus: Sharp Leaders Discuss COVID-19, Access to Care and What’s Next

  We’re pleased to announce the launch of The Insurance Segment with Mike and Ray, a new educational video series ...

Note to contractors and subs: Get more eyes to review subcontracting agreements

Avoiding Delays, Disputes and Damage Note to contractors and subs: Get more eyes to review subcontracting agreements Everything from lien ...

Heat Illness Prevention: How to Avoid a Meltdown

If you’ve ever been soaking in the sun playing Words with Friends, you’ve probably seen the warning pop up – ...

How Do I Reopen My Restaurant During the Next Phase of COVID-19?

COVID-19 Reopening Considerations for Restaurants San Diego County officials were notified last night that dining at restaurants and in-store shopping ...

What is the Private Passenger Automobile Giveback Program?

Good morning, I hope this update finds you and your family in good health. As we continue to move through ...

A Summary of the $2 Trillion Stimulus Package

Below is a brief summary of how the new $2 trillion stimulus package can help small businesses. Unlike other SBA ...

How Do I Shift My Contracting Business During Coronavirus?

Are you a handyman, electrician, plumber, painter, remodeler, carpenter, designer or provider of another household service? During these unchartered times, ...

Fusco & Orsini President Speaks at Insurance Association Conference

Michael Fusco, president and co-founder of Fusco & Orsini Insurance Services, was invited to speak at a conference of the ...

A Note of Thanks and Appreciation

Dear F&O Friends and Family, We would like to extend our warmest wishes for a peaceful holiday season and an ...

Help Your Office Fight Fall Allergies

Fall allergies are upon us. Here are a few suggestions to keep your team from sniffling and sneezing this season: ...

How Better Ergonomics Equals Better Economics for Business Owners

Climate change in the office can minimize injuries and costs When you own a company, you are uniquely positioned to ...

Cyberlearning with Mike and Ray

 Fusco & Orsini’s Mike and Ray discuss cybercrime, who is susceptible, what the pain points and costs are, and ...

The Benefits of Employee Benefits

Benefits packages are a cost-effective way for you to bring value to your employees and boost productivity and retention. Unemployment ...

Here’s Lookin’ at You, Sun

Construction Worker in the Sun. Caucasian Worker in His 30s Wearing Red Safety Helmet. Tips to beat the heat this ...

Fourth of July Safety Setbacks

How to Celebrate Safely If childhood memories of 4th of July festivities include such harmless fun as swimming holes and ...

Mimosas: Not Just for Breakfast Anymore

If you thought a mimosa was just a half-OJ, half-champagne combo to accompany brunch, you probably limited its importance to ...

Cyber Actors Exploiting Remote Desktop Protocol (RDP)

In a public service announcement, the Federal Bureau of Investigation (FBI) announced that remote administration tools, such as Remote Desktop ...

Cyber Security Safety Poster for Your Office

Do your part to keep your office safe from cyber attacks! You can download this one-page flyer and post it ...

Cybersecurity: What is Spear Phishing?

Fishing remains a top U.S. pastime. Sadly, another kind of "phishing" has become popular, too. Phishing is a type of ...

Cyber Security Planning Guide

Does cybersecurity leave you scratching your head? Grab a cup of coffee and we'll walk you through it. We promise ...

What’s Your Score? Cyber Risk Exposure Scorecard

Do your employees use their company-issued computers indefinitely without updating the password? Does your organization use cloud-based storage? If so, ...

Implement a Cyber Incident Response Plan

Available to Customers that Subscribe to our MyWave Connect Portal All businesses should be concerned with data protection and plan ...

California Legislation Introduces New Data Breach Notification Law

Many states have embraced standards that businesses must follow to safeguard personal identifying information. Often these standards include ‘Data Security ...

OSHA INCREASES Civil Penalty Amounts for 2019

As if OSHA penalties weren't already drastic, the Occupational Safety and Health Administration published a final rule on 1/23/2019 that ...

Free Training Materials for California Sexual Harassment Prevention

At Fusco & Orsini Insurance Services, we understand the importance of keeping your employees protected. Did you know California passed ...

Want To Lower Workers’ Compensation Rates? Implement A Construction Safety Program

Companies throughout California are struggling with sticker shock as workers’ compensation insurance rates continue to skyrocket. Workers’ comp rates can be a ...

How To Conduct An Accident Investigation In The Workplace

Workplace accidents are a big liability to businesses. Not only is it a terrible tragedy whenever an employee is injured ...

The Indirect Costs of a Workplace Accident

Workers’ compensation insurance helps insulate a company from the direct costs associated with an employee injury. For example, the company’s workers’ ...

Who Needs Inland Marine Insurance?

Inland marine insurance is one of the most confusing types of commercial insurance available, and many business owners aren’t sure exactly ...

What Is Inland Marine Insurance?

Inland marine insurance is often misunderstood. In fact, most business owners don’t know what inland marine insurance is, despite the fact ...

Faces of Fusco: Nadine Barrera

Please meet Nadine, who has joined Fusco & Orsini as a customer service representative! We sat down with Nadine to ...

Why Contractors in California Need Workers’ Compensation Insurance

There’s one overriding reason why contractors in California need to provide workers’ compensation insurance to their employees – it’s the law. California, ...

Modern Day Insurance Underwriting and How it May Impact Your Company

Almost all companies utilize the Internet to promote their business. Online tools include customized websites, Facebook, Yelp and Twitter, among many others. For small businesses, the Internet provides valuable resources ...

How Much Does Employee Practices Liability Insurance Cost?

Employee practices liability insurance (also called employer practices liability insurance) is a must-have for all businesses big and small. EPLI ...

Why Do Employers Need Employee Practices Liability Insurance?

We all hear the common stories in the news and from friends and other business owners of employees suing their ...

What Is Employee Practices Liability Insurance?

It’s unfortunate that discrimination, harassment, and wrongful termination claims are routinely made against companies large and small all across California ...

When Do You Need Commercial Auto Insurance?

If you regularly use your truck in the conduct of your business or have purchased vehicles specifically for your business, ...

What Is A Payment Bond For Contractors?

Everyone appreciates getting paid for the work that they do, but rarely do employers have to take out a special ...

Why Are Workers Comp Rates Increasing In California?

If you are an employer or planning on starting a new business that will employ workers, you are required by ...

The Difference Between a “Per Occurrence Limit” and an “Aggregate Limit”

When you work in insurance, you quickly learn that every single word counts, especially when that word is inside an ...

What is a Manifestation Clause, and Does Your General Liability Policy Include One?

Let’s just get this out into the open – INSURANCE IS CONFUSING. There are forms. Many forms. Forms filled with ...

Your Commercial Liability Insurance May Cover You For The Present, But What About The Past?

Prior Works Exclusion Explained   If you own a construction company, you already know how absolutely critical it is to ...

Know When The Sun Sets On Your Commercial Insurance Claim Coverage

Sunset Insurance Clauses Explained If you own a construction company, remodeling company or any other type of business with a ...

What You Need To Know About Getting A Performance Bond

If you find that your construction company is expected to provide a performance bond as part of a project, that’s a good ...

Surety Bonding and Your Construction Company

For many construction industry professionals, surety bonding presents a challenge.  We receive phone calls on a daily basis from clients ...

Preventing Theft and Vandalism on Construction Worksites

When working on a new construction project, there are plenty of things to worry about, including cost overruns, meeting all ...

How much is a Business Owner’s Insurance Policy?

A business owner’s insurance policy (BOP) is a bundled package of individual insurance products meant to provide comprehensive insurance coverage ...

What Is Non-Owned Auto Liability Insurance?

A situation: Let’s say that you have some big potential clients coming into your business to learn more about the ...

What Is Hired Auto Liability Insurance?

If you or your employees regularly travel in rental cars as part of the job, or if your business rents ...

What is a Business Owner’s Insurance Policy?

As a small- or medium-sized business owner in California, your plate is full of responsibilities. Not only do you have ...

Protect Your Business with a BOP

What is a BOP? If you are a small to medium business owner, you may find that a BOP is ...

How Do I Know if My Workers is an Employee or Independent Contractor?

A new law makes it easier for you to determine whether you have an employee or an independent contractor on ...

Fusco & Orsini Participates in “Promotions That Give Back” benefitting Susan G. Komen® San Diego

As National Breast Cancer Awareness Month approaches, we are proud to announce our participation in "Promotions That Give Back” benefitting Susan ...

What is a Workers’ Compensation Premium Audit?

What is a Premium Audit? A routine part of Workers’ Compensation Policy Because you rely on your insurance broker to ...

Discover MyWaveConnect: A One-stop Resource Shop for Employers

MyWaveConnect is a paid client portal that is available to Fusco and Orsini clients. Why are we offering this? To ...

An Introduction to the Fusco and Orsini Client Portal

At Fusco and Orsini, we’re dedicated to making the complex world of insurance easy for our clients. For that reason, ...

The impact of imported products on your product liability exposure

The manufacturing industry has a unique set of insurance needs beyond those of the typical business, whether it’s investment capital ...

How are workers compensation waiver of subrogation endorsements billed?

In a recent post, we talked about dual wage classifications for California workers compensation within the construction industry. Today, we’re ...

What’s Covered in a Workers Compensation Policy?

If you own a construction company and have a California-based business, this post is for you. Workers compensation is critically ...

A Guide to Workers Compensation Rates

Workers compensation is necessary, not evil. It protects you, the employer, from being sent into financial dire straits in the ...

What’s the difference between a surety bond and liability insurance?

Do you know the difference between a bond and insurance? If you don’t, have no fear. That’s what we’re here ...

What is a Commercial General Liability Form CG 20 10 (11/85) endorsement?

If you’re in the construction industry and in the market for a CGL policy to fulfill a contract, read on. ...

The Importance of Employment Practices Liability Insurance (EPLI) for CA Business Owners

Employment Practices Liability Insurance (EPLI) covers such issues as wrongful termination and sexual harassment.  If you own a company in ...

The Importance of Employee Benefits for Recruitment and Retention

Why are Employee Benefits so Important With unemployment rates near 20-year lows in San Diego and across most parts of ...

Faces of Fusco & Orsini: Ray Ramirez

Meet Ray Ramirez! Ray is the newest insurance broker at Fusco & Orsini. With nearly 20 years of experience in ...

Faces of Fusco & Orsini: Meet Rebecca Duchene

Meet Rebecca, Fusco & Orsini’s newest customer service representative! Her wealth of experience working at Farmers Insurance and her lovely ...

Solar Contractors: Keep Your Team Golden with General Liability Coverage

Sacramento Leaders Pass Law Requiring Solar for New Home Construction The sun came out for clean energy advocates this year ...

How to Have a Happy and Safe Fourth of July

Did you know that 280 people go the emergency room with fireworks-related injuries every day during the month surrounding the ...

Do I need to add all drivers to my business auto policy?

Business auto insurance can be confusing for the owner of a company, but it's essential you have adequate coverage in ...

Fusco & Orsini Insurance Services Expands

NEWS RELEASE SAN DIEGO (June 18, 2018) – Local firm Fusco & Orsini Insurance Services recently completed an expansion which ...

Fusco & Orsini a Finalist in San Diego’s Best Union Tribune Readers Poll!

Hi friends, Fusco & Orsini is in the finals for "Best Insurance Provider" in San Diego's Best Union Tribune Readers Poll! We're up against national ...

Changes to CA Workers’ Compensation Coverage Exclusions July 2018

Attention Fusco & Orsini business clients!  This is to inform you that there is an important change happening which requires ...

Video: California Contractors – 5 Things You Should Know Before You Get Audited

We wouldn't have gone into business if it weren't for California Contractors. We started and built our business around helping ...

It’s Time to Understand Business Property Coinsurance and Secure Your Bottom Line!

As business owners, you've heard the term "coinsurance", but if someone asked you to define it, you wouldn't know how ...

Bop It! Insurance Policy Bundles For Tech Startups

A business owner’s policy (BOP) can help small business owners to get up and running with the various insurance coverages they need, ...

I’m moving out of my parents’ house – what insurance do I need?

By: Melanie McCann, Broker, Fusco & Orsini Insurance Services Wanna know the secret to adulting? It's asking for guidance. In ...

Wildfire Preparation – Arm Yourself With Knowledge

14-year-old Sophia Righthouse was praised this week for identifying a structure fire and jumping to action to warn residents. This particular 14-year-old ...

Faces of FO: Meet Luis Cano

Get to know more about Luis Cano, one of our newest account managers. Luis has several years of insurance account ...

How does my property value affect my homeowner’s insurance?

Great question! We offer a replacement cost guarantee of 25% or 50% on most our homeowners policies, which goes above ...

How does personal property apply on a homeowner’s policy?

When you purchase homeowners insurance, did you know that you are buying coverage not only to replace the cost of ...

Protecting Your Home: Special Insurance Concerns for Homeowners

Most of us purchase homeowner’s or renter's insurance directly from an insurance company or through an agent/broker and don’t really think ...

Let’s Talk Homeowners Coverage and Extended Replacement Cost

Actual cash value. Depreciation. Extended Replacement Cost. Are you well versed in the terminology of homeowners’ insurance? If not, read ...

Protecting Your Well-Being: Health Insurance

Health insurance is a complicated topic and one that most find very personal. After all, no two individuals have the ...

5 Rules Every Landlord Should Live By

I'm pretty confident that if you asked anyone who has ever owned a rental property you would get an overwhelming ...

Will my credit rating change my insurance rates?

I was recently asked this question by one of our Fusco & Orsini Insurance Services clients, and thought I would share ...

Why Do My Auto Insurance Rates Keep Going Up Even Though My Car Keeps Getting Older?

Why do my auto insurance rates keep going up even though my car is getting older?  At Fusco & Orsini ...
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