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The JAISIN Insurance Solutions Blogs

The inside scoop on everything insurance from Jason Bishara

a young woman has her nose swabbed by a male doctor assisted by a female doctor, JAISIN Insurance Solutions

CMS Guidance for Onsite Workplace COVID-19 Testing

The Centers for Medicare & Medicaid Services (CMS) recently issued guidance regarding COVID-19 testing in the workplace.

CMS regulates clinical laboratory testing under the federal Clinical Laboratory Improvement Act (CLIA). A laboratory or clinical setting, such as a physician’s office, must obtain CLIA certification to perform laboratory testing. Some over-the-counter (OTC) tests are approved by the Food and Drug Administration (FDA) for home use. The CMS guidance addresses the use of OTC home tests in the workplace.

Jason Bishara
A stack of overdue bills marked as account closed and past due, JAISIN Insurance Solutions

Insurance for the Collections Industry

Those in the collections industry understand that tracking down outstanding debt is a process fraught with emotion on both sides. The debtor may have a host of reasons for being behind on payment, while the business seeking restitution just wants to claim what they’re owed. As the player in the middle, collections agencies need to make sure their own interests are also protected. That’s where insurance comes in.

Jason Bishara
a blonde girl in a red sweater decorates a Christmas tree, JAISIN Insurance Solutions

10 Essential Christmas Tree Safety Tips to Avoid a Tragedy This Holiday Season

Every year, Christmas trees start fires. While these fires aren’t common, they tend to be very serious, resulting in costly damage, property loss and even loss of life.

According to the National Fire Protection Association, Christmas tree fires between 2015 and 2019 caused an annual average of two deaths, 12 injuries, and $10 million in direct property damage in the United States.

Typically, electrical problems or a heat source too close to the tree is the culprit. But these accidents are usually preventable when you take the proper precautions.

Jason Bishara
burglars hands use lock picks to break into a wooden door, JAISIN Insurance Solutions

How to Prevent a Holiday Season Home Burglary

Obviously, you want to protect your home against burglary risks year-round. But thieves know that the holiday season is a time when your home is likely to be filled with brand-new gifts, cash and other expensive items, so extra awareness and security measures are needed.

Protect yourself and your belongings (and maybe even save on your insurance premiums) by practicing a few simple safety precautions.

Jason Bishara
Coffee shop owner standing with barista working behind the counter making drinks, JAISIN Insurance Solutions

Make the Most of Small Business Saturday

The Saturday of Thanksgiving weekend is Small Business Saturday – a day when consumers are specifically encouraged to support their local communities by shopping at independently owned businesses.

American Express founded Small Business Saturday in 2010 to help businesses get more customers. The next year, the United States Senate unanimously passed a resolution supporting Small Business Saturday, and it’s grown into a bigger and more anticipated event each year since then.

Jason Bishara
a tired CEO in a rumpled button down shirt and tie sits at a desk staring at a computer screen, JAISIN Insurance Solutions

Trending: CEOs Lose Sleep Over Cyber Risks

By now, hopefully every business is familiar with the concepts of email, text and phone call scams, multi-factor authentication, and cyber monitoring. Those are cyber basics for any company that uses the internet. But hackers make a living out of breaking in and getting around network protections. And it’s worrying CEOs.

Cyber risk has been one of company executives’ top 3 concerns for years, but the will to secure networks, communications, financials and operational systems has been lacking. This has led to major failures at utility and shipping companies, as well as insurers, pharmacies, retailers and financial services providers. There is hardly any industry that hasn’t been hit — and hit hard. Here are the main weaknesses, and what to do about them.

Jason Bishara
two business owners, a woman in a blue shirt and jeans and a man in a white shirt and jeans, smile in their shop

Benefits of a Commercial Package Policy vs. a Business Owners Policy

Businesses typically need general liability and property insurance, so many business owners opt in when presented with a business owners program (BOP). It’s straightforward and offers bundled discounts, but it doesn’t provide much wiggle room.

Like a “no substitutions” lunch special, you take what you get and find yourself dressing up the bland parts with a side dish (which adds to the bill). Suddenly your lunch special isn’t such a deal. The same goes for a BOP. Insuring business risk exposure can get tricky – and expensive – especially when your risk exposure doesn’t fit in the box.

If your risk liability spills over the usual lines, you might be better off going for a commercial package policy (CPP) for better insurance coverage, customization and overall savings.

Jason Bishara
a young brunette woman in a white blouse and black pants dances in her white apartment kitchen

Are You Getting the Most Protection Out of Your Renters and Auto Policies?

A multicar pileup is traced back to your vehicle as the root cause of the accident. An ill-timed social media comment sparks a viral defamation backlash. You have a party at your apartment and, unbeknownst to you, the punch was spiked – one of the underaged guests gets in a car accident while driving home.

Any of these situations can land you on the hook for a major lawsuit. Innocent or not, you’re playing defense in court. Your existing insurance helps with legal fees, but the price to defend yourself can quickly exhaust a typical $100,000 renters insurance policy. When the policy limits are met, it’s cut-bait time. You don’t want to be floating alone with your policy limits exhausted as the sharks circle.

Adding a personal umbrella policy can help to keep you protected and afloat in a dire situation. Find out how an umbrella policy could save you money, increase limits across multiple policies and broaden your coverage.

Jason Bishara
a construction worker stands on home construction site and lays large bricks

Protect New Housing Projects from Financial Loss

The housing market is booming, and prices keep going up. The National Association of Home Builders Housing Market Index, which measures builder confidence, has hit record numbers.

Builders have been scrambling to keep up with demand, while homebuyers have been stressing over lack of inventory, skyrocketing prices and building material shortages that are causing project delays.

With so much riding on new construction, builders and their customers need to be sure they have enough insurance to cover all the risks of building a new home. Homebuilders also need to make sure they are covered if they incur property damage, face liability lawsuits or experience workers’ compensation claims.

Jason Bishara
an environmental inspector in a neon yellow vest, hard hat, and khakis holds a laptop while kneeling on a beach

What Is Environmental Insurance?

Growing awareness of the serious, long-term effects of pollution, increased regulatory scrutiny and legal liability have created a demand for environmental insurance. Also known as environmental impairment liability and pollution liability, environmental insurance pays for claims related to the release of pollutants, including bodily injury, property damage, cleanup and business interruption.

This insurance came about as a result of the environmental movement. In the 1970s, Congress passed a series of major bills aimed at conservation, protection, recovery and pollution liability. Landmark laws included the Comprehensive Environmental Response, Compensation and Liability Act (CERCLA), known as the Superfund Act.

Jason Bishara
two construction workers standing on scaffolding at sunset

Cut Your Commercial Construction Risk

If you construct commercial or institutional buildings, you know that demand has picked up. According to the construction market research company Dodge Data & Analytics, the top 20 metropolitan areas saw a 12% increase in commercial and multifamily starts in the first half of 2021, compared to the first half of 2020.

Commercial recovery has been uneven, though, as contractors contend with higher costs for building materials, a skilled labor shortage and project delays. With project owners increasingly looking for speed, shortcuts and cost savings, don’t be pressured into a liability risk situation.

Jason Bishara
two young men and two young women jump into a pool

Check Your Homeowners Insurance Before You Dive Into Pool-Sharing Rentals

With share culture catching on, there’s been an uptick in private pool rentals. Pool-sharing apps allow homeowners (hosts) to rent out their pool space to people (guests) by the hour. The companies behind these apps offer insurance to their hosts and position their insurance as a coverage boon. But the age-old insurance question remains: What could go wrong and will insurance cover it? Before you dive into pool sharing, check your homeowners insurance.

Jason Bishara
a family of four driving a blue golf cart down a paved path in nature

Do You Have a Golf Cart? Make Sure It’s Insured

Do you drive your golf cart to the neighborhood store, a friend’s house, your child’s school — anywhere other than a golf course? If you answered yes, chances are you need insurance for your golf cart.

Golf cart insurance is required by some states and homeowner associations (HOAs). Even if it isn’t required where you live, it’s still a good idea to have coverage in case it’s damaged, stolen or involved in an accident.

Jason Bishara
a female scientist with brown hair places a vial with red liquid in a holder with her gloved hand, JAISIN Insurance Solutions

Insuring Your Biotech Company: The Right Coverage For Life Science Businesses

Life science and biotechnology companies face particular risks while operating their business. Between bodily injury claims during a clinical trial or interruptions during manufacturing, finding the right biotech insurance can feel daunting at best. But not to worry, we’ve compiled a complete guide on biotech insurance and exactly what coverage you need right now.

Jason Bishara
a construction worker holding his injured knee sits on a work site while his coworker approaches with a first aid kit, JAISIN Insurance Solutions

What To Look For In Commercial General Liability Insurance

Almost every business operating today needs some sort of liability coverage. Whether you own a small donut shop or run a multi-million dollar car rental corporation, without liability coverage you are wide open for potential lawsuits and extraordinary legal fees. Read our guide on commercial general liability insurance and how it can protect your company from potential disaster.

Jason Bishara
six aged and cracked leather-bound antique books, JAISIN Insurance Solutions

How To Protect Your Collectibles

It doesn’t matter if you collect fine art worth millions or vintage comic books worth a few thousand, you need to be sure your collection is protected. Read our guide on insuring and protecting your special collections; you’ll learn what may already be covered under your existing insurance policies and what you need collectible insurance to protect.

Jason Bishara
an illustration of a silhouette of a man with glasses with a dark blue background holding a digital planet Earth with symbols of white locks

Cyber Insurance: A Guide On Protecting Your Data

It comes as no surprise to any business owner that the commercial landscape is becoming more firmly rooted in the digital landscape. But what may surprise business owners is how their current risk management strategy leaves them vulnerable to significant financial loss from a malware attack. Read our guide on cyber security and data breach insurance, and learn how to protect your bottom line in the case of a digital data breach.

Jason Bishara
five corporate executive women sit at a meeting table, the head executive gesturing with a laptop, JAISIN Insurance Solutions

Directors And Officers Insurance: What You Need To Know

Being a corporate or nonprofit board member or director comes with its own unique set of challenges and liability risks. That’s why D&O insurance coverage is so important; it protects executives and directors from personal loss due to a lawsuit. Read our comprehensive guide below on why you need D&O coverage for your company or organization.

Jason Bishara

Do You Have The Right RV Insurance?

Recreational vehicle (RV) coverage can seem like a tricky area in insurance. Does my homeowner’s insurance cover my RV or camper? What exactly does RV insurance cover? Read our guide below to learn what you need to know about RV coverage and how to be sure you have the right coverage.

Jason Bishara

Experts Predict An Unusually Active 2021 Hurricane Season. Are You Prepared?

If a global pandemic and economic downturn wasn’t enough for the past year, the 2021 Atlantic hurricane season is predicted to be more active than usual. There is good news though: meteorologists don’t anticipate as many storms as we saw in 2020. But are you, your family, and your business prepared for the incoming storms? Read on to learn how you can get ready now and protect what’s important to you.

Jason Bishara

Why Your Business Needs Errors & Omissions Insurance

It’s crucial that your business is covered against liability for any situation. You need to look beyond property and casualty or workers compensation coverage; you need to protect your bottom line against mistakes made by you or your employees. This is where errors and omissions, or E&O, insurance comes in. Read our guide on E&O insurance and learn how to protect your company against mistakes that could cost you big.

Jason Bishara

Why You Need Private Client Insurance Solutions

High-net-worth individuals have spent a lot of time amassing their wealth and building their businesses. This is also an area where traditional insurance strategies can fall short of providing enough coverage to cover all of their assets. If you aren’t sure that your current insurance and risk management strategies are providing enough coverage for your considerable assets, then read our guide on private client solutions below.

Jason Bishara

What Your Business Needs To Know About Outsourced Risk Management Solutions

If your company invests $50,000 or more each year to protect your business with insurance, then you need a risk manager. You could hire one in-house, but that could end up costing your business big time in a competitive salary and benefits. But what if you could have all the benefits of an experienced risk manager without the high cost of hiring one? Read our guide on outsourcing your risk management planning and how to get started.

Jason Bishara
Three white delivery trucks parked in a row against the sky with clouds, JAISIN Insurance Solutions

How to Lower the Cost of My Commercial Auto Policy

If your business depends on vehicles for its daily operations, then you already know you need to have commercial auto insurance coverage. Whether you own a construction company or operate a food truck, your commercial auto policy can be a lifesaver in case of an accident with its collision and liability coverage. But as your business grows, so can your commercial car premiums! Read our how-to guide and learn how you can score significant savings on your policy.

Jason Bishara

How to Lower the Cost of My Workers Compensation

There is nothing worse for a business than an accident at your workplace that results in an employee injury. Not only are you concerned for your worker’s health, but you’re also worried about the liability and financial consequences for your business. This scenario is why workers compensation insurance is so important for your business. If you want to learn how to lower your workers compensation cost, read our comprehensive guide to save money.

Jason Bishara

The All-important Role Insurance Plays in Wealth Preservation

By Steven H. Goodman, CPA, MBA – President & Chief Executive Officer of SHG Planning

As an estate planner and business succession specialist, I’ve been advising high-net-worth individuals on how to protect their assets since the early ‘90s. Some simply want life insurance along with quality long-term care and disability insurance. Others need a more comprehensive program –– one that includes estate and succession planning ––to protect their family and/or their business. What they all have in common is that they’re looking for ways to preserve their assets, as well as have a plan in place to pass them down when the time comes.   

Steven Goodman
a group of business people sitting on a table, Must-Read Guide to Business Insurance, JAISIN Insurance Solutions

Must-Read Guide to Business Insurance

This Q&A covers such things as what a business owners policy is, whether business insurance covers lawsuits and how to get business insurance. While business insurance is not required in all states, it is the best way to protect your company against the many “what ifs” that could happen.

Jason Bishara
Protect Your House

What’s Your Florida Homeowner’s Insurance Agent Done for You Lately?

You just received your Florida homeowner’s insurance policy renewal. If you’re like most Florida homeowners, you put off opening it for a day or two, because you know your rates have probably gone up.   Why is that? You’ve never filed a claim for as long as you’ve owned your home, or if you did, it was years ago. But, every year you get a little (most likely) a BIG bump – anywhere from a 5 to 12 percent increase in your premium.

Learn More About Homeowners Insurance In Florida

Jason Bishara
Public D & O Insurance 101 for Directors and Officers

Public D&O Insurance 101 for Directors and Officers Guide

Public Directors & Officers Liability insurance, also known as D&O insurance, is as multifaceted as it is essential for small- to medium-sized organizations. While the following guide covers the high points of these extremely specialized policies for public companies, it is important to note that D&O coverage is vital for private and nonprofit organizations as well.

Click To Read Our Public Directors and Officers Insurance Guide

Jason Bishara
Best FLorida Hurricane Preparedness Checklist

Best Florida Hurricane Preparedness Checklist

The best way to protect people and property during Florida’s storm season is to know as much as possible about hurricanes and how to prepare for them. That’s why we’ve put together this hurricane preparedness guide. It’s jam-packed with helpful hints and facts, including the most common terms used by weather forecasters; lists of basic supplies; steps to secure your home; what to do during a power outage; and much more. Our goal is to help you weather the storm safely with as little stress as possible.

Read Our Florida Hurricane Preparedness Checklist

Jason Bishara
Directors and officers liability insurance coverage

Directors and Officers Liability Insurance Coverage: Coronavirus Strikes First, Shareholder Lawsuits Come Second. Are You Personally Protected?

Are you an executive, officer or director of a public company under $300 million in market cap?  If so, the odds are pretty good that you just lost significant market value due to the Coronavirus and are in crisis mode.  But another crisis could be looming –– your company and personal liability exposure. The question is: Do you have directors and officers liability insurance coverage to prevent the worst case?

Learn More About Directors and Officers Liability During COVID-19

Jason Bishara
small to medium sized business guide

The Small to Medium-Sized Business Guide to the CARES Act 

The Coronavirus Aid, Relief and Economical Security (CARES) Act is a multibillion dollar loan program for small businesses, including 501(c)(3) nonprofits and physician practices. The CARES Act is an economic stimulus package, not a bailout. Its primary function is to assist small to medium-sized businesses by fueling them with capital and providing other forms of economic relief such as debt forgiveness.

Read Our Guide To The CARES Act For Businesses

Jason Bishara
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