Fusco Orsini & Associates Insurance Services X 4C Advising

Fusco Orsini & Associates Insurance Services X 4C Advising Partnering for your success! Fusco Orsini & Associates is your partner in hassle-free insurance and risk management services. You can consider us the same.

Fusco Orsini & Associates & 4C Advising work in tandem to provide SMBs with professional guidance, plus vetted and competitively priced insurance, risk management, compliance, HR, and wellness solutions. With a specialty in serving small to medium-sized businesses, our 5-star team will assist with your protection, compliance, safety, and risk management needs. Clients think of FOA as their 'business' partner rather than their 'insurance' partner.

We are so grateful for this review! Our core values don't sit on the shelf -- they guide how we serve our clients every ...
06/12/2026

We are so grateful for this review! Our core values don't sit on the shelf -- they guide how we serve our clients every day. 💚

Protect your tech company with the right insurance coverage! In this video, we share the key insurance types (such as cy...
06/09/2026

Protect your tech company with the right insurance coverage! In this video, we share the key insurance types (such as cyber liability, product liability, & business interruption) that every tech firm should consider.

What should business owners review before an insurance policy renewal?Your renewal is the perfect time to ensure your co...
06/04/2026

What should business owners review before an insurance policy renewal?

Your renewal is the perfect time to ensure your coverage matches your business risk!

As your company grows or experiences changes in revenue, property, vehicles, employees, contracts, and more, coverage gaps can emerge.

➡️ Before you renew, take a few minutes to review these key areas:

-Business changes
-Cybersecurity
-Property Valuations
-Liability Limits
-Other Coverage Gaps

📌 Save this post for renewal season.

Can an insurance company settle a claim without my permission?This depends on whether your policy has a consent to settl...
06/01/2026

Can an insurance company settle a claim without my permission?

This depends on whether your policy has a consent to settle clause.

A consent to settle clause is a provision in an insurance policy (usually professional liability) that means the insurer must get your approval before settling a claim.

Consent to settle clauses may help businesses protect their reputation and gain more say in their legal strategy. However, rejecting a settlement can lead to higher out-of-pocket costs for your business.

For architects, consultants, accountants, attorneys, engineers, technology firms, healthcare providers, and other professional businesses, this provision is especially important to note.

In this carousel post, we explain:
-What is a consent to settle clause
-How a consent to settle clause works
-The addition of a hammer clause
-The tradeoffs of a consent to settle clause for business owners

Learn more & check our latest blog for a full explainer ➡️

Can an insurance company settle a claim without my permission?This depends on whether your policy has a consent to settl...
06/01/2026

Can an insurance company settle a claim without my permission?

This depends on whether your policy has a consent to settle clause.

A consent to settle clause is a provision in an insurance policy (usually professional liability) that means the insurer must get your approval before settling a claim.

Consent to settle clauses may help businesses protect their reputation and gain more say in their legal strategy. However, rejecting a settlement can lead to higher out-of-pocket costs for your business.

For architects, consultants, accountants, attorneys, engineers, technology firms, healthcare providers, and other professional businesses, this provision is especially important to note.

In this post, we explain:
-What is a consent to settle clause
-How a consent to settle clause works
-The addition of a hammer clause
-The tradeoffs of a consent to settle clause for business owners

Learn more & check our latest blog for a full explainer ➡️

05/29/2026

"What is it actually like working with this insurance firm?"

Our clients describe it better than we can. →

Today, I want to recognize Kelly Pavez on her 3rd anniversary with Fusco Orsini & Associates Insurance Services. Most of...
05/25/2026

Today, I want to recognize Kelly Pavez on her 3rd anniversary with Fusco Orsini & Associates Insurance Services.

Most of us don't work side by side with Kelly on daily tasks, but anyone who has crossed paths with her knows the same thing. She brings a positive, supportive energy that shows up in every interaction. The remarkable part is that she does it in a fully remote setting, where culture is hardest to build and easiest to lose.

Many of our larger P&C clients also work with us on employee benefits. In every one of those conversations, I have never heard anything less than stellar feedback about Kelly. Nisha was already on the path of rebuilding a department that needed real attention. Once Kelly joined her, the turnaround took care of itself. Excellent work by both of them.

Here is the lesson for any business owner reading this. You can teach almost every technical skill in your industry. You cannot teach mindset. Hire the people who lift the room, support their teammates, and treat clients like they matter. The rest follows.

Thank you, Kelly, for reminding us that the right attitude carries a team through anything. We are grateful to call you a teammate.

SMB owners often ask, "is general liability coverage enough?"When it comes to insurance, the word "general" can seem mis...
05/25/2026

SMB owners often ask, "is general liability coverage enough?"

When it comes to insurance, the word "general" can seem misleading.

Typically, general liability does not cover everything, and other types of coverage should be added to your risk management plan.

Here's a big-picture look at risk planning and the most common policies to consider for your small or midsize business. 👇🏾

SMB owners - are you using AI to research insurance or understand policies? If so, here's guidance on:1. What to ask you...
05/21/2026

SMB owners - are you using AI to research insurance or understand policies?

If so, here's guidance on:
1. What to ask your AI tool
2. How to act like a risk manager
3. When to call a broker
..and the missteps to avoid!

For more details, we break this all down in our latest blog post and video. ⬇️

Address

8880 Rio San Diego, Suite 725
San Diego, CA
92108

Opening Hours

Monday 8:30am - 5:30pm
Tuesday 8:30am - 5:30pm
Wednesday 8:30am - 5:30pm
Thursday 8:30am - 5:30pm
Friday 8am - 4:30pm

Telephone

+18583841506

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