Workers’ Compensation has historically been coverage that is highly affected by prior incidents. A workers’ compensation carrier may use a merit rating to determine rates – using a company’s loss history to predict future trends in claims is a standard rating method and is used in many states to develop a company’s Workers’ Compensation rate. […]
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Below is a brief summary of how the new $2 trillion stimulus package can help small businesses. Unlike other SBA loans, owners do not have to put up collateral or personally guarantee the loans. They also are not required to search for a loan elsewhere before applying for the SBA loan. Interest rates cannot exceed […]
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Michael Fusco, president and co-founder of Fusco & Orsini Insurance Services, was invited to speak at a conference of the Insurance Agency Owners Alliance, or IAOA, on January 24, 2020. The annual event drew more than 800 owners and 100 vendors and insurance companies to the Sheraton San Diego Hotel and Marina. “The theme of […]
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If you thought a mimosa was just a half-OJ, half-champagne combo to accompany brunch, you probably limited its importance to Easter, Mother’s Day and bridal showers also. But, believe it or not, this tangerine-tinted aureate laureate actually owns a day on the calendar – May 16th – National Mimosa Day. Defining the idea that “simple […]
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Inland marine insurance is often misunderstood. In fact, most business owners don’t know what inland marine insurance is, despite the fact that this type of coverage could be vital in protecting some of the owner’s most valuable property. Most of the confusion comes from the name. Inland marine insurance was originally conceived to protect goods as […]
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A situation: Let’s say that you have some big potential clients coming into your business to learn more about the services that your company offers. You and your team have spent weeks putting the finishing touches on a presentation, and you’re sure that you’ll blow the potential clients away. As an after-thought, you send an […]
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If you or your employees regularly travel in rental cars as part of the job, or if your business rents trucks or other vehicles in order to provide a service, then it’s a very good idea to purchase hired auto liability insurance (it can be added to your business auto policy or business owners policy for a small cost). […]
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As a small- or medium-sized business owner in California, your plate is full of responsibilities. Not only do you have to run your business and keep your customers happy, but you may also have to oversee employees, do your own books, maintain inventory, and provide marketing. Everywhere you turn there are potential risks that could […]
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As National Breast Cancer Awareness Month approaches, we are proud to announce our participation in “Promotions That Give Back” benefitting Susan G. Komen San Diego. Komen San Diego is the only organization that studies San Diego County to identify the gaps in breast cancer care and the barriers to health access. Komen San Diego then provides […]
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Have you met Will yet? He started out as an intern and impressed us with his customer service skills, gained from years in the fine dining industry. Now he’s an account manager, ready to help clients while he obtains his bachelor’s degree in finance at San Diego State. Will, we know you’re an ice hockey […]
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2020
