Fusco Orsini & Associates (FOA), a San Diego-based independent insurance agency, has launched Joule Pro, a national specialty insurance program for licensed electrical firms. Licensed in 31 states and placing more than $420 million in premium for contractors through FOA, the team serves the full spectrum of the trade — from $2 million service shops to industrial primes generating $250 million or more in annual revenue.
Where generic contractor programs lump electricians under a broad “trade contractor” classification, Joule Pro writes one trade only. Coverage is placed through a panel of more than 25 admitted and surplus carriers chosen for their understanding of electrical risk, with policy forms — pollution, general liability, professional liability, builder’s risk, and business auto — negotiated in language that reflects how electrical work is actually performed and billed.
“Electrical contractors have spent decades being handed generic policies that treat them like every other trade. Joule Pro was built from the ground up around energized work — purpose-built coverage, in-house claims advocacy, and risk engineering that reflect how electrical firms actually operate,” said Michael Fusco, Founder & CEO of Joule Pro and Fusco Orsini & Associates.
The program covers the commercial lines electrical firms depend on: general liability with electrical-specific endorsements and pollution carve-back options; workers’ compensation with class-code optimization and return-to-work programs for energized-work exposures; and tools and equipment cover for tools, test equipment, and contractors’ equipment on-site or in transit. It also writes commercial auto, commercial property with layered limits up to $50 million, surety bonds up to $75 million per job, and cyber and professional liability for low-voltage and design-build work.
Joule Pro is a specialty program of Fusco & Orsini Insurance Services, Inc., dba Fusco Orsini & Associates Insurance Services (California License No. 0H16057), serving commercial and industrial, service and residential, and specialty and low-voltage electrical contractors nationwide from San Diego.