Risk Management & Compliance Center

Article a glance: Will my business insurance premiums change in 2025? Chances are, you are on a mission to build your strongest business yet! In doing so, it’s important to strengthen and protect what matters most: your people and your property. Strengthening your business can be easier than you think, especially as we anticipate a […]

Exciting news! Zenjuries Claims Concierge has expanded their handling of commercial insurance claims for our clients! Managing claims can be a daunting task for businesses, especially when juggling multiple types of insurance. That’s why we’ve partnered with Zenjuries Claim Concierge, a trusted leader in claims management, to provide our VIP clients with a seamless and […]

Thanksgiving isn’t just about the food—it’s about the whole experience: a perfectly roasted turkey, classic sides, a few family debates, and football! Running a business is like hosting Thanksgiving—it takes planning, teamwork, and a great playbook. Whether it’s Fusco Orsini & Associates handling your insurance or 4C Advising managing risk, compliance, HR, and employee care, […]

If your business is changing and you are deciding between growing an in-house HR team, utilizing a PEO, or blending in-house tasks with select service providers, this blog is for you.  To PEO or not PEO – that is the question we’ll guide you through today! First, what is a Professional Employer Organization (PEO)? A […]

As a business owner, it’s common to wear many (or sometimes…all) of the hats. You probably got into business to provide a product or service, and then you quickly realized there are so many more things involved in growing your company the right way.  One day you need to write an employee handbook and the […]

When it comes to workers’ compensation insurance, there are many factors that go into calculating the cost you pay. Insurance companies want to understand the exposure on their end and you want to know why you pay what you do, especially if there are measures you can take to reduce your risk. The Experience Modification […]

Imagine the CEO of your company emailing you to ask you to purchase $500 in gift cards. Something feels off…but it’s your CEO asking. Do you do it? Do you know who you can ask to make sure it’s legit? Imagine your long-time associate at a top vendor emails you an invoice requesting payment via […]

Just last month, Hurricane Beryl made landfall in Texas as a Category 1 hurricane, causing catastrophic damage to homes and infrastructure. The storm caused widespread property destruction, prolonged power outages and significant economic disruption throughout these areas.  As we have seen with Hurricane Beryl and countless other storms, particularly in coastal areas, weather events can […]

In today’s digital age, small and medium-sized businesses (SMBs) face increasing risks from cyber threats. A recent blog by Fusco Orsini & Associates highlighted the significant impact of the CrowdStrike incident and underscored the importance of cyber insurance in mitigating such risks. Building on that discussion, this blog from 4C Advising delves deeper into practical […]

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 roles and responsibilities, and set terms and conditions. These steps can help you reduce risk and disputes moving forward. There […]