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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
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
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

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

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
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