Trusted Insurance & Advisory Experts for Businesses Nationwide


Insurance, employee benefits, and risk consulting for business owners in 31 states.

Five gold stars followed by Google and Facebook icons on a white background
Get Insured Now!

// Who We Are

Helping Businesses Protect What Matters

Serving 31 States with Insurance and Advisory Services

Three coworkers reviewing a laptop together in a bright office, smiling and leaning in.
Team meeting around a table in a bright office, discussing documents and a laptop

Fusco Orsini & Associates helps businesses stay protected and prepared for the future. Since 2010, we’ve worked with more than 20,000 clients nationwide to provide insurance, employee benefits, and expert advice. Based in San Diego, California, we bring fast service, clear guidance, and a personal touch to every client we serve.

Learn More About FOA
Five gold stars in a row on a white background

5.0 Reviews on Google

Group of five outlined people icons arranged in a cluster

Over 20,000 clients served

Certificate document icon with ribbon seal and checkmark badge

A+ BBB Accredited

Award badge with check mark icon in black outline

Serving businesses since 2010

// Why Businesses Choose Us

What Makes 

Different?

Target icon with an arrow hitting the bullseye on a white background

Business-Focused Expertise

We understand business owners and deliver clear solutions.

Three outlined people icons in black

One Team for Everything

Insurance, benefits, HR, and compliance in one place.

Chat bubble with two curved arrows around it, black icon on white background

Responsive Service

Fast answers and quick results so you can focus on your business.

Black outline thumbs-up badge icon with ribbon seal

Proven Experience

Over a decade of serving thousands of businesses nationwide.

Handshake with a shield and checkmark icon, suggesting verified trust or security

Trusted Reputation

More than 2,500 five-star reviews from satisfied clients.

// Our People

Meet the  Experts  Behind Your Coverage

Our team combines knowledge, care, and dedication to support your business. From insurance to HR consulting, we’re here to guide you every step of the way.

Meet Our Team

Headshot of a man in a dark suit and striped tie on a white background

Michael

Fusco

CEO

Agency Principal

Smiling woman with long wavy auburn hair in a black top on a white background

Valeri

Orsini

COO

Agency Principal

Smiling woman with long dark hair in a black-and-white patterned sleeveless top on a white background

Nisha

Pravinchandra

VP

Employee Benefits

Portrait of a person in glasses and navy scrubs, smiling against a white background

Amanda

Orsini

Senior CSR

Commercial Lines

Man in a dark suit with blue shirt and patterned tie, smiling against a white background

Daniel

Morton

Senior Broker

Property & Casualty

Commercial Lines

Smiling woman in a black blouse against a white background

Kara

Sandoval

Controller

Agency Support

Portrait of a smiling woman in a beige top on a white background

Tina

Adams

Receptionist

Agency Support

Headshot of a smiling man in a dark suit with a white shirt and lavender tie on a white background

Brent

Cherniss

Senior Broker

Property & Casualty

Commercial Lines

// Coverage for Your Company

Protect Your Business,  Employees, and Assets

We help business owners protect their companies from risks that can disrupt operations or threaten growth. Our team explains your options clearly and guides you to the right coverage for your business.

Hand holding a gear with a checkmark, symbolizing approval or quality assurance

General Liability Insurance

Coverage for property damage, injuries, and legal claims.

Read More
Simple black outline icon of a person in a suit and tie on a white background

Workers’ Compensation

Protect employees and meet state requirements.

Read More
Notebook and pen icon in black outline on a white background

Professional Liability

Guard your business against errors, omissions, and client claims.

Read More
Simple black outline of a delivery truck icon on a white background

Commercial Auto

Insure your business vehicles and drivers on the road.

Read More
Black line icon of a microchip with a padlock, symbolizing cybersecurity.

Cyber Liability

Protect your business from data breaches and online threats.

Read More
Outline of a delivery truck icon in black and white

Commercial Property

Coverage for your buildings, equipment, and inventory.

Read More

// Who We Help

Focused Insurance for Your Industry

We understand the unique risks and needs of different industries. Our team provides clear guidance and customized coverage to help you operate with confidence.

Contractors & Construction

Protect your projects, employees, and equipment on every job.

GET INSURED NOW

Hospitality & Restaurants

Cover your staff, guests, and property with reliable protection.

GET INSURED NOW

Technology & Professional Services

Keep your business and clients secure as you grow.

GET INSURED NOW

// Coverage for Individuals and Families

Protect What Matters Most at  Home and Beyond

Home icon outlined in black on a white background

Home Insurance

Protect your home and belongings from fire, theft, and more.

Get Insured Now!
Simple black outline of a car icon on a white background

Auto Insurance

Stay safe and covered on the road with dependable car insurance.

Get Insured Now!
Black outline icon of two office buildings, one taller and one smaller, on a white background

Renters Insurance

Affordable protection for your personal property in a rented space.

Get Insured Now!
Shield icon with a heart in the center

Life Insurance

Ensure your loved ones are financially secure when they need it most.

Get Insured Now!
Simple black line drawing of a person under an umbrella

Umbrella Insurance

Extra liability coverage to protect you beyond standard policies.

Get Insured Now!
Tilted house floating in floodwater with waves

Flood Insurance

Specialized coverage for damage caused by floods.

Get Insured Now!

// Simple Steps to Get Covered

We Make Insurance and Advisory Easy

Getting started with us is fast and straightforward. We guide you through each step so you can focus on running your business with confidence.

Black line icon of a phone with chat bubbles, representing a call or messaging support.

STEP 1:

Contact our team to share your business needs.

Magnifying glass over a document with text lines and bullets, suggesting search or review

STEP 2:

We review your situation and recommend the right options.

Icon of a cursor clicking a checkmarked checkbox in a grid of outlined squares

STEP 3:

You choose your coverage, and we handle the rest.

Black line icon of two location pins with user silhouettes connected by a path

20,000+

Clients served nationwide

Map with three location pins inside a jagged outline, black line icon on white background

31

States where we operate

Three-person team icon with a checkmark badge below

2,500+

Five-star reviews earned

Outlined thumbs-up with three stars above it

2010

Year we started helping businesses

// Frequently Asked Questions

Clear Answers to Common Questions

Five gold stars in a row on a white background

5.0 Reviews on Google


What You Need to Know Before Getting Started

People often ask us about the most common questions around business consulting, insurance, and employee benefits.

Read More
  • What types of insurance does my business need?

    We evaluate your operations, identify risks, and explain the policies that make sense for your business. Our goal is to help you understand what you’re buying and ensure nothing important is overlooked.


    The right coverage depends on your industry, size, and exposures. We’ll walk you through each option and help you make a confident decision.

  • Do you provide employee benefits?

    Yes. Our dedicated benefits team offers group health, dental, vision, life, and disability plans. We also help employees with claims and explain how to use their benefits effectively.


    We design plans that meet your company’s goals while keeping costs manageable and ensuring employees feel supported.

  • Do you only serve clients in California?

    No. While we are based in San Diego, California, we work with clients in 31 states across the country.


    We have the licenses and experience to support businesses of all sizes wherever they operate.

  • Can you review my existing policies?

    Absolutely. We offer policy reviews at no cost to you. We’ll look for gaps in coverage, overlapping policies, and opportunities to save money.


    Our team makes transitioning from your current provider simple and seamless.

  • How quickly can I get a quote?

    In most cases, we respond the same business day with clear options and next steps.


    We know that time matters, and we work efficiently to provide you with answers and coverage without unnecessary delays.

// What Our Clients Say

Reviews from Business Owners Like You

Over 500 Five-Star Ratings Across Platforms

// Business Tips & Resources

Helpful Articles for Business Owners

Our blog offers clear advice to help you protect your business, support your employees, and plan for the future with confidence.

Switching insurance brokers image with directional sign pointing from “Old” to “New
by Mike Fusco 16 April 2026
What is a broker of record (BOR)? This guide explains how BOR letters work, when to switch brokers, and what happens to your insurance coverage.
Graphic with headline: In the News: Mike Fusco Shares 2026 Cyber Insights with San Diego Business
by Mike Fusco 6 April 2026
Learn 6 key cyber risk insights for 2026, including AI threats, evolving insurer requirements, and practical steps for SMBs.
Worker driving using navigation app with text overlay “Guide: What insurance do gig workers need?
by Mike Fusco 27 March 2026
What insurance do gig workers need? Learn key coverage types, common gaps, and how to protect yourself as an independent contractor.
Read More Articles

// Let’s Connect

Contact Fusco Orsini & Associates Today

Our team is ready to answer your questions, review your needs, and help you choose the right coverage. Reach out today and let us guide you through the next steps with confidence.

Address:

8880 Rio San Diego, Suite 725

San Diego, Ca 92108

Contacts:

We’re Here to Help You Get Started

Fill out the form below, and we'll get back to you as soon as possible.

Contact Us