personal excess liabilityAll About You: Personal Risk and Liability Situations (Part 2)

Author: oswaldcompanies | Date:January 30th, 2017 | Category: Blog, Personal Risk

In the first post we discussed an introduction to liability coverages and protecting your financial future. Here we have shared a number of situations to consider as you evaluate the potential cost of your liability risks and exposures: Dependent Children Children who lend cars to friends, host parties or use social media put you at risk. […]

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personal liabilityAll About You: Personal Liability Risks and Exposures (Part 1)

Author: oswaldcompanies | Date:January 25th, 2017 | Category: Blog, Personal Risk

Significant life events. Your ever-changing financial picture. An elevated public profile.  All of these situations need to be evaluated each step of the way, to properly safeguard your assets against liability risks. How much liability coverage is enough?  Consider your profession and associated earnings, both current and future, the value of the tangible assets you own […]

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Protect the Net: Evaluation of Disability Insurance for Athletes, Part 1

Author: Ron Boynar | Date:January 4th, 2017 | Category: Blog, Business Risk, Personal Risk

As professional sports continue to rise – both in prominence and revenue – so does the need to protect the future earnings of its athletes within. Whether you, or your client, plays basketball, football, hockey or some other highly-compensated sport, there are absolute dos and don’ts when it comes to buying disability insurance. The first step is evaluating which type of […]

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cyber security while travelingCyber Security Tips for Travel | Oswald and Assurex Advisory

Author: Kimberly Lucarelli | Date:March 24th, 2016 | Category: Blog, Business Risk, Personal Risk

Planning to travel this spring and summer holiday season? Whether for business or personal reasons, many of us travel frequently, and yet we give little thought to how we keep our identity and data safe while doing so. To keep us informed and vigilant during our travels, Assurex Global asked its “go to” resource for […]

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Assurex globalLeft to your own devices? Privacy and security tips From Assurex Global and LIFARS

Author: oswaldcompanies | Date:March 2nd, 2016 | Category: Blog, General, Personal Risk

Important Tips and Considerations while on the web. LIKE A THIEF CUTS THROUGH A BIKE LOCK, hackers can override your technology’s security measures. To keep us mindful of security best practices, Assurex Global’s “go to” resource for digital forensics and cybersecurity, LIFARS, has answered questions we should all be asking. Learn safety procedures and precautions […]

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ACE and Assurex Study: Targeting the Rich | Liability Lawsuits and the Threat to Families

Author: Kimberly Lucarelli | Date:February 9th, 2016 | Category: Blog, Business Risk, Personal Risk

Survey Shows Wealthy Have Growing Concerns But Underestimate Danger of Multi-Million-Dollar Verdicts If you have a growing concern that your wealth could make you a target for lawsuits, you are not alone. ACE conducted a survey of households with $5 million or more in investable assets and found that 82 percent of the respondents believe […]

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Amplify Your Charitable Gifts While Reducing Taxes

Author: Ron Boynar | Date:January 4th, 2016 | Category: Blog, Business Risk, Personal Risk

Have you ever wished to make a “sizable” donation to your college alma mater, a favorite charity, or other non-profit organization, but feel you might lack the financial resources? Individuals can invest their money in tax-free life insurance programs to significantly amplify their charitable gift amount at the time of death. Other benefits of this strategy […]

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Kim Lucarelli Featured in Cyber Security ThinkAdvisor Article

Author: oswaldcompanies | Date:December 10th, 2015 | Category: Blog, Personal Risk

Oswald’s Kim Lucarelli, CIC, CAPI, was featured in a recent article Love the Internet of Things? So Do Identity Thieves by Kathleen Tierney, COO of Chubb. The article was published on, a web-based network that provides comprehensive and accessible resources and knowledge for the Investment Advisory community. The article focuses on the heavy hitters in the identity theft […]

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ACE and Assurex Study: Wealth at Risk | Don’t Overpay To Be Underinsured

Author: Kimberly Lucarelli | Date:November 3rd, 2015 | Category: Blog, Business Risk, News, Personal Risk

Are you spending your hard-earned wealth wisely when it comes to insurance? In 2010 and 2012, ACE Private Risk Services® conducted a survey of more than 600 independent insurance brokers and asked if their clients were over or underinsured with their mass-carrier insurance for 21 types of coverage. The results were not supportive of mass-carrier […]

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Oswald’s Kim Lucarelli Earns Certified Advisor of Personal Insurance Designation By Wharton and Chubb

Author: oswaldcompanies | Date:October 26th, 2015 | Category: Blog, Business Risk, News, Personal Risk

Cleveland, OH, Oct. 26, 2015— Kimberly Lucarelli of Oswald Companies in Cleveland, has been awarded a Certified Advisor of Personal Insurance (CAPI) designation from the Aresty Institute of Executive Education at the Wharton School of the University of Pennsylvania and Chubb Personal Insurance. Lucarelli is among a group of 39 agents in this inaugural class […]

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