About Joule Pro Insurance
About Joule Pro
An Insurance Program Built Around the Electrical Contractor Trade.
We don't sell electrical contractors generic contractor insurance. Joule Pro was designed from the ground up around the exposures, jobsites, and revenue mix of licensed electrical firms — from service shops to $200M industrial primes.
Most insurance programs treat electrical contractors as just another line item under "trade contractor." We don't.
Joule Pro places coverage with a curated panel of carriers who understand voltage. We negotiate forms — pollution, completed operations, professional liability, builder's risk — using language that reflects how electrical work is actually performed and billed.
Every policy we bind is supported by an in-house claims advocate and a risk engineer with field experience in industrial and commercial electrical environments. The result is a program where renewals don't come with surprises and claims don't become a second job.
About Joule Pro
01
Specialty-only. We write electrical contractors and adjacent low-voltage trades — nothing else.
02
Carrier panel. 14 admitted & surplus markets curated for electrical risk.
03
Claims advocacy. A dedicated claims team that represents you, not the carrier.
04
National footprint. Licensed in all 50 states; staffed across four regional desks.
$420M+
Premium placed for electrical contractors
50
U.S. states & territories licensed
28+
Years inside the electrical trade
The Joule Pro Difference
Why Electrical Contractors Choose Joule Pro.
Five reasons our retention rate is north of 94% — and why most clients come to us by referral from another electrical contractor.
01
Electrical-Only Specialization
We write one trade. Every form, every endorsement, every policy review is shaped by it.
02
In-House Claims Advocacy
Dedicated claims advocates who represent your interests — not the carrier's adjuster.
03
Risk Engineering for Electrical Work
Field-grade risk programs built around lockout/tagout, arc flash, and energized-work exposures.
04
Specialty Carrier Access
Curated panel of 14 admitted & surplus markets that price electrical risk fairly.
05
Backed by Fusco Orsini
Three decades of broker infrastructure, carrier relationships, and balance-sheet stability.
The People Behind the Program
Meet the Joule Pro Team.
Brokers, claims advocates, and risk engineers who came up working alongside electrical contractors. No call-center reps, no churn.
Founder & CEO
The Force Behind the Program
Meet Michael Fusco.
CIC
Agency Principal · CEO & Co-Founder ·
Fusco Orsini & Associates
Joule Pro exists because Mike Fusco saw electrical contractors getting boilerplate insurance — and built a program designed for the way the trade actually works.
Mike is the CEO and co-founder of Fusco Orsini & Associates, the San Diego–based independent agency he launched in 2010. Under his leadership FOA has grown into a nationwide partner serving clients across 31 states, with a personal, client-first approach to commercial insurance and risk.
With over 20 years in insurance and risk management, he specializes in tailored programs spanning general liability, workers' compensation, surety bonding, and employee benefits — helping owners confidently manage risk and pursue growth.
Mike holds a B.S. in Business from the University of Maryland — Robert H. Smith School of Business, and the Certified Insurance Counselor (CIC) designation, held by fewer than 3% of insurance professionals nationwide.
20+
Years in insurance & risk management
31
U.S. states served by FOA
<3%
Hold the CIC designation nationwide
What Our Clients Say
Trusted by Electrical Contractors Across the Country.
5.0
★★★★★
Google reviews
meet us
Our Location
Discovery Call
30 minutes with a specialist. We map your revenue, jobsite mix, payroll, and current carriers.