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.
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…
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…
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,…
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…
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…
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…
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…
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…
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…
Workers’ compensation insurance helps insulate a company from the direct costs associated with 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 the…
