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Fusco Orsini & Associates Risk and Insurance Services

Fusco Orsini & Associates Risk and Insurance Services

Shopping for insurance and risk management services can be a real struggle. That’s why our team of get-it-done experts will match you with a turnkey plan that meets your needs while respecting your time. We believe protecting what matters most should be easy, and our five-star rated associates will show you how. Since the beginning of 2021, FOA has provided every business customer an FOA Client Package – streamlined insurance, risk, and compliance services for busy professionals. Ask more about our Client Packages and how you can benefit from our unique offering!


5095 Murphy Canyon Road
San Diego, California 92123

Office Hours

  • Monday 09:00 AM - 05:30 PM
  • Tuesday 08:00 AM - 05:30 PM
  • Wednesday 08:00 AM - 05:30 PM
  • Thursday 08:00 AM - 05:30 PM
  • Friday 08:00 AM - 04:30 PM
  • Saturday Closed
  • Sunday Closed

Why our clients choose us

“I really appreciated the reminders to get my policy renewed during this very hectic time in my life. Thank you guys and happy new year”
“Mike and his team are all awesome, they shop markets always trying to find us the best deal. When we need a COI or have a question, they are on it.”
“Always prompt with responses; Always clarifies questions I may have; I feel Fusco and Orsini have my back when it comes to all my insurance needs and this gives me peace of mind.”

We offer the following coverages for small businesses

General Liability (GL) Insurance

General Liability is the most common form of insurance for small businesses, as every single professional is required to have some form of general liability coverage. Coterie offers both standard, year-long policies, as well as flexible duration, project-based coverage through our partners.

Business Owners Policy (BOP)

A Business Owners Policy (BOP) is more versatile, and protects both a business owner’s business and property – all in one package (typically combining General Liability and Property Insurance). This type of insurance for small businesses can reimburse the policyholder for damaged personal property.

Professional Liability Policy (PL)

Professional Liability (PL), also known as Errors and Omissions, a type of liability insurance that covers you for failure to uphold contractual promises in mostly service-based professions.

General Liability Insurance
Business Owners Policy
Professional Liability Insurance

Why we trust Coterie Insurance

Coterie Insurance was built from the ground up to empower small businesses and insurance agents with:
  • Affordable and competitive pricing
  • Streamlined insurance quotes reducing the lengthy, time-consuming application process
  • Flexible coverage options designed for today’s small & micro businesses
  • Coverage backed by A+ rated (excellent) licensed insurers and reinsurers
  • Professional claims handling – when the unexpected occurs, Coterie is there to help
Construction Insurance: Why It's Important for Your Business
You have better things to think about than insurance

Through our partnership with Coterie Insurance, invest your time where it matters most — running your business — and enjoy the peace of mind that your hard work is protected by an insurance policy that meets your needs.

Agents & Brokers

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Small Businesses

Policyholder Help Center

At Coterie, we are putting relationships at the forefront of small business insurance.

If you have any questions, Contact Us Today!