Coronavirus (COVID-19) Resource Center

We are continuously monitoring the Coronavirus (COVID-19) pandemic; your concerns are our concerns. Through our firm-wide business continuity strategy, we are fully prepared to respond to the evolving needs of our employees and clients during this time, with health and safety at the core of our protocols. This includes the postponement of all events and restriction of outside visitors at all of our locations until further notice. We are open and have activated virtual meeting and digital communication solutions for continued delivery of our clients’ risk and insurance services.

 Contact us or click to call: 1.855.4OSWALD

If you have a Property & Casualty claim, click here to view information and contact your client management team.

If you are seeking insurance premium payment flexibility, click here to view full details and contact your client management team for guidance.

Resources

The following guidance is based on what is currently known about the coronavirus disease 2019 (COVID-19).

Public Health Information and Business Resource Websites

• Centers for Disease Control and Prevention
• World Health Organization
• Coronavirus (COVID-19): Frequently Asked Questions – John Hopkins Medicine
• Coronavirus: Safety and Readiness Tips for You – American Red Cross
• How to Prepare – CDC Personal and Family Guidance
• Workforce Management Resources – Employer’s Resource Council (ERC)
• Manufacturing Best Practices COVID-19 – MAGNET The Manufacturing Advocacy and Growth Network

Compliance and Legislative Resources

• Health Plan Compliance Updates – Oswald Companies
• CARES Act Phase Three Stimulus Package Discussion: Exclusive With Congressman Anthony Gonzalez [VIEW PRESENTATION DOWNLOADS]
• CARES Act Assistance for Small Business – U.S. Department of the Treasury
• Paycheck Protection Program Borrower Application Form [PDF DOWNLOAD] – U.S. Department of the Treasury
• Coronavirus Aid, Relief, and Economic Security (CARES) Act Summary – Greater Cleveland Partnership (GCP) Website Resources
• Federal Small Business Stimulus Aid Programs Guide – The U.S. Chamber of Commerce Website Resource
• Coronavirus Emergency Loans Small Business Guide and Checklist – The U.S. Chamber of Commerce Website Resource

Oswald Financial, Inc. Retirement Plan Services

• COVID-19 Resource Page
• Coronavirus & Retirement

Taylor Oswald

• COVID-19 Resource Page
• SBA Disaster Assistance Loans Approved in Ohio

InsureOne Benefits

• COVID-19 Resource Page
• Health Insurance After Loss of Income (COVID-19)

Resources and information will continue to be added each week.

Client Claims and Further Assistance

Our claim department is staffed and available to assist with any insurance claims you need to make. We are working remote with full access to your policies. Please continue to report claims as you normally would. Insurance coverage for claims from COVID-19 are very fact specific and depend on your claim scenario and the terms of your insurance policies. We will help you to understand the specifics of your individual circumstances and collaborate on the best approach to move forward.

Oswald also has access to exclusive partnerships and programs to offer clients in the areas of cleaning, sanitation, and restoration, professional and crisis communications, and more. Please contact us direct for more information.

Insurance Premium Flexibility

If you need insurance premium payment flexibility, please contact your Oswald team member for guidance. We will make sure you are clear on the payment flexibility to which you are eligible.

General Guidance:

 Health Insurance Premiums Grace Period

• The Ohio Department of Insurance is ordering all insurers in Ohio to allow employers to offer employees a grace period for insurance premiums.

• The grace period must provide the option of deferring payments interest free for up to 60 calendar days form the original premium due date.

• Health insurers must allow employers to continue covering employees even if the employees would otherwise become ineligible for insurance because of a decrease in work hours.

Property & Casualty Insurance Premium Payment Flexibility

• If you are seeking insurance premium payment flexibility, click here to view full details of the Ohio Department of Insurance bulletin for information on the 60-day grace period for insurance premium payments.

• For Ohio clients, premium bills will continue to be sent, however carriers are waiving any late fees that would typically be assessed, and you cannot be cancelled for non-payment up to 60 days past the original payment due date.

• For clients in all other states, each P&C carrier has their own nuances of how they are handling premium flexibility, and all carriers are complying with state specific requirements on insurance payments.  If you seek payment assistance, please contact your client management team for guidance and specifics of the position of your insurance carrier. We will make sure you are clear on the payment flexibility to which you are eligible.

Ohio Workers’ Compensation Payment Deferral

• Employers will be permitted to defer insurance premium installment payments for March, April and May until June 1. For more information visit the Bureau of Workers’ Compensation 

Note: This communication is for informational purposes only. Although every reasonable effort is made to present current and accurate information, Oswald makes no guarantees of any kind and cannot be held liable for any outdated or incorrect information.