Established contractors
General liability, workers' compensation, commercial auto and fleet, umbrella, equipment and inland marine, and related coverages.
Who this review is for
A second set of eyes, before renewal makes the decisions for you.
Renewals surface surprises: class codes drift, payroll changes, vehicles get added. This review re-measures your program against how you actually operate today — and it starts with a conversation, not a sales pitch.
Multifamily & property owners
Property, liability, umbrella, business income, and related building exposures for owners and portfolios.
Trucking & transportation
Fleet, driver, commodity, radius, DOT, and related commercial-auto exposures, subject to market eligibility.
Workers' comp audit review
Your comp audit bill is a document worth reading with someone. We review class codes, payroll, and experience mod before you pay it.
Business Safety & Risk
Workplace Safety & Business Risk Review
Serious workplace injuries can affect employees, operations, staffing, and costs. Start with a practical business consultation through Legacy Wise Advisors, Inc. to identify safety-process priorities, then request a licensed workers' compensation or commercial insurance review through Fusco Insurance when appropriate.
Handling & overexertion
Discuss material handling, lifting, equipment, training, and reporting practices.
Slips, trips & falls
Review housekeeping, walking surfaces, ladders, work-at-height processes, and incident follow-up.
Vehicles & equipment
Consider driver procedures, maintenance, pedestrian interactions, machine safeguards, and incident documentation.
Workers' compensation review
Where coverage is needed, Fusco Insurance handles the licensed insurance review, application, and placement process.
Educational reference: Liberty Mutual Workplace Safety Index (2026). National injury cost rankings are not a prediction of an individual employer's claims, savings, or premiums. No safety review guarantees injury prevention or insurance savings.
Fleet Safety & Operations
Fleet Safety & Telematics Readiness Review
Fleet costs, liability exposure, and driver safety are rising together. Start with a practical consultation through Legacy Wise Advisors, Inc. to define your fleet risks and telematics readiness, coordinate operational support through Legacy Logistics Solutions where it fits, and request a licensed commercial auto or fleet insurance review through Fusco Insurance when appropriate.
Start with your risks
Define what the program must solve before choosing technology: collisions and distracted driving, driver monitoring, maintenance, fuel costs, or visibility across a spread-out fleet.
Bring drivers along
Telematics works when drivers understand its purpose. Position it as a tool that supports and protects drivers — including documenting good driving — not simply one that watches them.
Use data beyond safety
Put the same data to work on fuel and idle time, vehicle wear and maintenance, asset tracking, delivery visibility, and route efficiency, coordinated through Legacy Logistics Solutions.
Recognize good driving
Use objective information to coach where needed and recognize positive driver performance — a practice that supports engagement and retention.
Telematics results vary by fleet, technology, and program design. No review guarantees accident prevention, cost savings, or insurance premium outcomes. Legacy Wise Advisors does not quote, bind, or place insurance.
What happens next
- Describe your business, locations, workforce, fleet, and your main safety or coverage concern.
- Legacy Wise Advisors discusses business processes and identifies appropriate follow-up priorities.
- Where insurance advice or quotes are requested, Fusco Insurance conducts the licensed review.
- Agree on practical next actions and a follow-up date.
Legacy Wise Advisors consults; Fusco Insurance places. Legacy Wise Advisors does not quote, bind, or place insurance. Inquiry submission does not bind coverage.
One starting point
Get the free 15-minute review.
A written sense of where your program no longer matches your business — before you renew it.
Request My Free 15-Minute Review