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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.
Breaking down the cost of inland marine insurance for contractors
What is inland marine coverage? How much does commercial inland marine coverage cost? We answer these questions and break down the price of inland marine insurance in today’s video. WHEN TO CONSIDER INLAND MARINE INSURANCE At Fusco Orsini & Associates,…
What is the price of business auto insurance for contractors?
One of the questions we receive every week at Fusco Orsini & Associates is the price of business auto insurance for contractors. In this video, Mike Fusco provides business insurance advice by giving the state of the business…
Digging deep into the cost of work comp insurance for general contractors!
Work comp insurance is expensive, particularly for general contractors. At Fusco Orsini & Associates, we field questions daily about the cost of work comp insurance for general contractors. Although there is no straightforward answer to the exact price of…
General liability insurance costs for general contractors, Part 2
In yesterday’s video, I briefly introduced the cost of general liability insurance for general contractors. I gave some ideas of pricing for small to medium size general contractors and provided some information about the factors that determine the price of…
What is the cost of a general liability policy for a general contractor?
Hi, this is Mike from Fusco Orsini & Associates. Here’s a question we get all the time.How much does a general liability policy cost for a general contractor?That’s a tricky question to answer without knowing more specifics about the general…
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 particularly large burden to companies with a high risk of injury, like construction and manufacturing companies. Wouldn’t you like to…
The Indirect Costs of a Workplace Accident
Workers’ compensation insurance helps insulate a company from the direct costs of an employee injury. For example, the company’s workers’ compensation policy will pay for medical care and will cover partial wages while the worker or workers recover. While direct…
Employee Practices Liability Insurance Cost
EPLI insurance may be costly, but a business may be unprotected without it. Employee practices liability insurance (EPLI) is a must-have for all businesses, big and small. EPLI insurance protects companies against claims of discrimination, harassment, wrongful termination, emotional distress,…
Why Are Workers Comp Rates Increasing In California?
Why Are Workers’ Comp Rates Increasing in California? (2025 Update) Workers’ compensation insurance is a non-negotiable part of doing business in California. It protects employees who suffer workplace injuries or illnesses while shielding employers from potential financial devastation. However, many…
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 to small- and medium-sized business owners. (See our previous blog post all about BOP). BOPs vary in their structure but…