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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
Premiums Explained
Unlock the mysteries of insurance premiums with our ‘Premium Explained’ category. This dedicated space breaks down the complexities behind premium calculations, shedding light on the factors that influence your insurance costs. From understanding rate adjustments and risk assessments to exploring discounts and savings strategies, ‘Premium Explained empowers you with the knowledge to navigate your insurance options more effectively. Whether you’re a personal policyholder or a business owner, our expert insights help you make sense of premiums, ensuring you’re well-equipped to make informed decisions about your insurance coverage.
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 know, workers’ compensation insurance is crucial in protecting employees in the event of workplace injuries or illnesses. And, an…
How to Qualify for a Workers’ Compensation Experience Modifier in California
Welcome to our Insurance and Advising FAQs. This post will guide you in qualifying for a California workers’ compensation experience modifier. Comprehending these factors is vital for controlling your insurance expenses and guaranteeing your business is properly safeguarded. We will…
What to Do if Your Policy Increases
Insurance policies are SKYROCKETING! Here’s what to do if your insurance policy increases Most businesses battled increased costs in 2022. Inflation of goods and services contributed to rising prices and was the culprit of a squeeze on the bottom line…
Attention! Business owners, Focus on your insurance RATE, not your insurance PREMIUM.
Here is a question for all of the business owners watching this video. What is more important when reviewing your business insurance costs? 1) The insurance PREMIUM, or 2) The insurance RATE If you answered 2), the insurance RATE, you…
Everything plumbers need to know about workers’ compensation costs
You have a plumbing company; or, you are starting a plumbing business. You realize you can’t service all of your clients alone as you grow. Naturally, you begin to consider hiring, whether it’s your first employee or adding to the…
What is the cost of a waiver of subrogation endorsement on a contractors’ liability policy?
If you’re in the construction industry, you expect to receive a certificate of insurance requests on your contractor’s liability policy often. In some cases, you will receive a request for a waiver of subrogation endorsement on your general liability policy.…
5 factors that contribute to the cost of your restaurant insurance policies
Restaurant insurance is essential to the day-to-day operations of your establishment. A quality restaurant policy, such as a business owner’s policy (BOP) or commercial package policy, will protect your business in the event of a loss. Restaurant insurance policies often…
What is the cost of a workers’ compensation waiver of subrogation?
Here’s a frequently asked question: What is the cost of a workers’ compensation waiver of subrogation? The answer isn’t straightforward since insurance companies charge for their work comp waiver of subrogation (WOS) endorsements differently. Read on to learn more! BLANKET…
What is the cost of a cyber insurance policy? Watch to learn more.
We hear about cybercrimes constantly. Ransomware attacks, cyberextortion, identity fraud, phishing scams, malware; are all around us. With the increase of cyber activity in 2020 and 2021, cyber insurance, such as cyber liability, has become more critical. CYBER LIABILITY INSURANCE…
The cost of employment practices liability insurance (EPLI) in California!
California business owners worry about protecting themselves and their businesses from employee lawsuits and employment liability. Under the large umbrella of management liability insurance products falls employment practices liability insurance, commonly referred to as EPLI. In today’s video, Mike Fusco…