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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
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partnering for your success.
You deserve exceptional value, a superior client experience, and comprehensive insurance and advisory services tailored to the needs of your contractor business.
After serving thousands of contractors, we are prepared to provide solid, contractor-specific recommendations to help protect your business and position you for growth.
TRENDING TOPICS FOR CONTRACTORS
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What is a group captive insurance program, and should I consider it for my business?
What is group captive insurance? A group captive insurance program is when multiple companies come together to form their own insurance company instead of relying on a third-party provider. In other words, numerous members pool...
OSHA’s Top 10 Violations for 2024: What Employers Need to Know
Workplace safety is non-negotiable, and the Occupational Safety and Health Administration (OSHA) ensures that employers uphold critical safety standards. OSHA releases its list of the most frequently cited workplace violations each year. This report is...
Understanding Total Cost of Risk (TCOR): A Guide for Business Owners
As a business owner, you make daily decisions that impact your bottom line. You review expenses, manage payroll, and negotiate contracts—but have you ever stopped to think about the total cost of risk (TCOR) in...
Contractors: What Should I Know About Bonds
Welcome to 4Contractors by 4C Advising → your place to build your strongest contractor business yet! The 4C series is simple. In each post, we answer one burning question contractors have so you can take care...
What you don’t know can hurt you!
Identifying Risky Exclusions in Subcontractor Insurance In recent months, I’ve written articles and released videos aimed at general contractors, highlighting how exclusions within general liability policies can significantly impact business protection. I have also emphasized...
Contractors: How can I easily verify my subcontractors?
Welcome to 4Contractors by 4C Advising → your place to build your strongest contractor business yet! The 4C series is simple. In each post, we answer one burning question contractors have so you can take care...
Construction Budgets & Insurance: A Contractor’s Guide to Getting Covered
Budgets are crucial in ensuring a project stays on track financially. Yet, despite their deep industry experience, many contractors may not be entirely familiar with how construction budgets work, especially when securing insurance policies like...
Closing the Gaps: Understanding and Mitigating Action Over Exclusions
Liability exclusions can be a minefield for businesses, especially in industries like construction, where risk is part of the job. Among the most misunderstood are the “Action Over Exclusion” and “Third-Party Action Over Exclusion” found...
Is a Project-Specific General Liability Policy the Right Choice for Your General Construction Company?
Imagine you’re about to embark on a major construction project—a custom home build that could define your company’s legacy (and bottom line). The stakes are high, and so are the risks. While your standard general...
AUDIT NIGHTMARES: Why Subcontractor Compliance is Critical for General Contractors
Imagine this: Your business has just completed a successful year, projects are on track, and you’re ready to focus on new opportunities. Then, your general liability or workers’ compensation audit arrives. Instead of business as...
An Introduction to Bonding for Contractors: Understanding Surety Bonds and Indemnification
In 2024, I had the privilege of helping contractors secure over $12 million in surety bonds, allowing them to take on significant projects, earn profits, and grow their businesses. Many of these clients were new...
Subsidence Exclusions in Pool Contractor Policies: Why Swimming Pool Contractors Need to Examine Their Liability Coverage Closely
In the insurance business, situations often arise that provide opportunities to educate our valued clients. This is why I firmly believe that insurance is, at its core, a relationship business. Open communication and honest dialogue...
Subcontractor Agreements & Getting Started
Are you hiring a subcontractor for your business? If so, it is vital to establish a formal relationship between your business and the subcontractor from the very beginning. Doing so lets you set expectations, define...
How do I know if my subcontractors are insured?
Trucking company owner and operator Raymond, 37, of Encino, appeared in court in January 2024 on 30 felony counts of unauthorized use of personal identifying information and forgery. A Department investigation found he allegedly created...
Sub-contractor Forms and Endorsements to Know
If we could give one piece of advice to general contractors, it would be: Read all forms relating to the use of subcontractors or independent contractors in your general liability policy! If you hire subcontractors,...
3 Potential Coverage Gaps General Contractors Need to Know About
All commercial general liability (CGL) policies are not created equal! As a contractor, it’s vital to know your policy inside and out and read all forms relating to the use of subcontractors or independent contractors....
Navigating BTIS General Liability Audits: A Guide for Small Contractors
Introduction In the competitive and risk-prone construction world, small contractors often navigate through a labyrinth of insurance requirements. BTIS, a respected Managing General Underwriter (MGU), has recently implemented a policy of auditing general liability coverage...
Tips For General Contractors Navigating Gaps in Coverage
Construction can be a risky business! That’s why it’s important for contractors to obtain insurance coverage and also understand the parameters of their policy. Like most other insurance policies, Contractor’s Insurance does include some exclusions...
5 Steps to Starting Your General Contractor Business in California
Are you considering starting your own general contracting business in California? While there are many steps involved in setting up your company properly, doing so will keep you organized and compliant and ensure your credibility...
Changes to 2023 California Workers Comp for Concrete, HVAC, Asbestos Abatement, and Tree Service Contractors
Previously, the Contractors State License Board (CSLB) only required C-39 roofing contractors with or without employees to carry workers’ comp insurance. As of January 1, 2023, this requirement changed to include the additional licensed contractors...
Changes to work comp dual wage classification thresholds!
The change to work comp dual wage classification thresholds takes effect on 9/1/2022 for all new and renewed policies. The Workers’ Compensation Insurance Rating Bureau (WCIRB) of California changed dual wage classification thresholds for the...
California to Increase Bond Limits for Contractors and RMOs Starting 1/1/2023
Starting January 1st, 2023, the Contractors State License Board of California will increase all bond limits from $15,000 to $25,000. This includes contractor license bonds and RMO bonds in the state. The change comes as...
Can you explain the ‘your work’ exclusion on my general liability insurance policy?
You are familiar with the ‘your work’ exclusion if you’ve read your general liability policy. And if you’re like most people, you want to know more about how the ‘your work’ exclusion affects your insurance...
Info on Controlled Insurance Programs That Every Contractor Should Know
One of the most misunderstood or overlooked insurance products for construction industry professionals is Controlled Insurance Programs (CIPs). It’s essential for contractors to understand CIPs, whether an OCIP (Owned-Controlled Insurance Program) or CCIP (Contractor-Controlled Insurance...
ATTENTION CONTRACTORS! READ your insurance requirements!
ATTENTION CONTRACTORS! READ your insurance requirements. It will mean the difference between a profitable construction business and one that sinks into the red. Fusco Orsini & Associates has 50+ years of combined experience working with...
Certificate Holder vs. Additional Insured: Key Differences Explained
Understanding the Difference Between a Certificate Holder and an Additional Insured: A Clear Guide for Business Owners In business insurance, two terms that often cause confusion are “certificate holder” and “additional insured.” As a business owner,...
The 4 Best Workers’ Compensation Programs for California General Contractors
If you’re a California general contractor, you understand the challenge associated with workers’ compensation insurance. Fusco Orsini & Associates (FOA) provides workers’ compensation programs to general contractors in California. Our vast experience allows us to...
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...
Don’t overpay for your $100,000 LLC/Employee Worker Bond in California!
Introduction to California’s $100,000 LLC/Employee Worker Bond Hi, this is Mike with Fusco Orsini & Associates. We offer a lot of help with companies’ bonding programs. Now, in California, if you are a California...
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 rights to project expectations are included in contracts for your jobs. But all you need...
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 it is or if they need it. In a nutshell, inland marine insurance was...
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 that this type of coverage could be vital in protecting some of the owner’s most...
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, along with almost every other state in the union, requires all employers, regardless of industry...
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 type of bond just to guarantee that they’ll pay their employees, subcontractors, and suppliers. Unfortunately,...
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 fine print, limitations, and clauses you’ve never heard of before. Typically speaking, most consumers do...
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 have comprehensive general liability insurance. This insurance will protect your company in the event that any damages...
Know When The ‘Sunsets’ 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 higher-than-average risk of liability, it’s extremely important to know how long your general liability insurance policy covers...
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 thing. It means that you have won a bid and are preparing to start a...
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 state deadlines, finding high-quality sub-contractors, making sure all the equipment arrives on time and in...
Video: California Contractors – 5 Things You Should Know Before You Get Audited
https://www.youtube.com/embed/wiZhohw9kio We wouldn’t have gone into business if it weren’t for California Contractors. We started and built our business around helping these folks cover their bases when it comes to insurance and prepping for audit...
KEY SERVICES FOR CONTRACTORS:
INSURANCE // Identify factors that could impact your insurance premiums or risk levels.
BUSINESS SOLUTIONS // Proactive risk management, HR, and employee wellness solutions.
favorite business resources for contractors
- COI Tracking Software
- Subcontractor Agreement Support
- Insurance Premium Audit Support
popular insurance products for contractors
- General Liability
- Workers’ Compensation
- Builders’ Risk
- Pollution Liability
- Business Auto
- Employment Practices Liability Insurance (EPLI)
- Excess Liability
- Inland Marine
- Contractors’ License Bond
- Owner Contractor Protective
- Owner-Controlled Insurance Program
- Professional Liability
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