Fatema Jass

About Fatema Jass

I didn\'t start in insurance. I started in hotel management.I studied hospitality because I was drawn to the operational intensity of it, the complexity of running a business where labor, occupancy, and guest experience all have to work in concert. After fifteen years in the insurance industry, I realized something most brokers miss, hospitality operators don\'t think like insurance buyers. They think in RevPAR, GOPPAR, labor cost per occupied room, and owner relations.Here\'s the hard truth hotel owners, hotel management companies and PE-backed hospitality groups face: healthcare costs are quietly eroding EBITDA and introducing exit risk. High turnover makes traditional insurance models brutally inefficient. Seasonal staffing and multi-state operations create compliance complexity.We solve this three ways, depending on your property profile:300+ Employees: Self-funded plans that reduce total healthcare spend by 15-25% without cutting access, quality, or compliance. Built on the nation\'s largest PPO network and powered by AI-driven claims auditing, we turn healthcare from a volatile expense into a predictable, scalable EBITDA lever.50-299 Employees: Level-funded and MEC (Minimum Essential Coverage) strategies that satisfy ACA mandates at a fraction of traditional plan costs while providing real value to your workforce. Perfect for management companies with aggregated employee counts that trigger ACA compliance.Under 50 Employees: Section 125 wellness programs and Minimum Value Plans that create positive cash flow through tax savings while improving retention in housekeeping, F&B, and front-line roles where turnover kills profitability.Why PE firms and hotel operators work with us- Audited, measurable cost reduction that shows up on the P&L- EBITDA improvement that translates directly to exit valuation- Scalability across portfolio (whether you operate 5 hotels or 50)- Fully ACA compliant, ERISA sound structures, including controlled group analysis for multi-property owners- Hands-on implementation with minimal operational disruption- White-glove employee experience that reduces HR friction- Performance-based economics, we only win when you doThis isn\'t theory. It\'s a working system, in-market, and winning daily.If you\'re managing insurance and healthcare for a hospitality portfolio and wondering if there\'s a better way, let\'s talk.

Experience

1. Vice President

   Iag Insurance Services

   Sep 2024 — Present · San Diego, CA, US

   Healthcare Economics - PE Hospitality Portfolios

Education

• San Diego State University

  Bachelor’s Degree, Hospitality and Tourism Management