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JAISIN Insurance Solutions animated logo with shine moving from top left to bottom right
JAISIN Insurance Solutions animated logo with shine moving from top left to bottom right

The JAISIN Insurance Solutions Blogs

The inside scoop on everything insurance from 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 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
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
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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

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

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
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
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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