You have several options when hiring an insurance company

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Hi, this is Mike with Fusco Orsini and Associates. At FOA, we provide struggle-free insurance and risk management services for busy people.

Now, I want to, first of all, thank you for the opportunity to earn your business and, more importantly, to earn your trust. Now, we know that you have many options in today’s world of purchasing insurance. You can use a captive insurance company such as State Farm, and State Farm agents only represent their own company. You can use direct writers such as Geico. You can use digital insurance companies online, the new wave of insurance technology, or you can choose an independent insurance agent such as Fusco Orsini and Associates. Now, I want to explain to you some of the differences between these models and how I think, or our staff thinks, that we can best serve you as an independent insurance agency.


First of all, as I mentioned before, a captive insurance company you may have heard of is State Farm, Farmers, Allstate, AAA. Their agents only represent their company. Also, captive insurance companies don’t contract with independent insurance agencies such as us. So if you want to seek a proposal or advice from one of the captive insurance companies, you need to contact one of their agents directly.


The second is direct writers, Geico, for example. Now, Geico has agents in call centers, some local agents, but mostly they’re in call centers. You call them on a 1-800 number in most cases. If you purchase your policy after the fact, you’re typically going to wind up in a service center. Again, this company does a great job, but they only represent their insurance products and have their insurance agents.


Nowadays, the new third is insurtechs, technology-based online insurance programs that you can purchase directly from your desktop or even an app. Again, great forward-thinking companies. Insurtechs deliver an excellent client experience, significant backing, and robust technology. And we do represent many of the insurtechs because FOA is at the forefront of insurance technology. Also, we believe a lot in this distribution method. But again, if you purchase directly from an insurtech, you’re more than likely going to be dealing with them through an online chat platform, or you’re not going to get the same agent every time you call.


Now, at Fusco Orsini and Associates, we emphasize our people and represent you, the client. We do not represent one insurance company. Instead, FOA represents several hundred insurance companies and insurance programs. And when you call, you’re going to get your agent, you’re going to get an account manager, and you’re going to know your service people. So these are all value adds and reasons that we feel the independent agent channel is the best way to hire an insurance professional.


Couple of the things I want to mention that make FOA a little bit different. We offer client packages for every one of our business clients. Be sure to ask your agent or your broker about our client packages. Client packages include several free risk management, compliance, loss prevention programs, and products that we provide to you to run your business best and manage your risk. Again, Fusco Orsini and Associates is an independent insurance agency. We represent you, the client, and represent several hundred insurance products and programs that we’re happy to offer you and be a resource for you.


If you have any questions for me directly, you can feel free to reach me at 858-384-1507. You’re more than likely watching this video because you received an email or text from your agent. Feel free to ask your agent or broker any questions. Again, we are keen on education. We’re keeping ourselves always up to date on the marketplace and have a strong understanding of what types of products are available for you. Thanks again for your time.

We look forward to serving you. We appreciate the opportunity. If you are interested in speaking with us about how an independent insurance agency can help you best, please complete the form below.


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