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 restriction of outside visitors at all of our locations until further notice. We have activated digital and virtual meetings and communication solutions for the continued delivery of our clients’ risk and insurance services. In addition, we have postponed or canceled all in-person events to protect the safety of our employees and the community.
To help better navigate your risk and insurance concerns, visit our COVID-19 resource center at oswaldcompanies.com/
Contact us or click to call: 1.855.4OSWALD
If you have a COVID-19-related loss inquiry please connect here.
Click on one of our partner logos below to access their COVID-19 resource pages:
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 remotely with full access to your policies. Please continue to report claims as you normally would. Insurance coverage for claims from COVID-19 is very fact-specific and depends 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 directly 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.
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 from 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 canceled for non-payment of premiums during the 60 day grace period, which will end when the Ohio state of emergency has expired.
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
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]
- 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