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In aging services, some of the most significant insurance costs are not driven by catastrophic events, they are built over time through everyday operational strain. Workforce fatigue is one of the most overlooked drivers of claims frequency, severity and ultimately, total cost of risk. It often develops gradually, yet its…

The senior living industry is evolving rapidly, with providers expanding their services, acquiring new campuses, and caring for increasingly diverse populations. With this growth comes a more complex risk environment that involves integrating clinical care, property management, staffing, cybersecurity and insurance to work toward safety, continuity and long-term resilience. Here…

The senior living industry is experiencing an historic transformation. Driven by an aging population, shifting care demands, staffing shortages and rising operational costs, many owner/operators are evaluating whether to grow through acquisition or exit the market entirely. As a result, senior care is seeing an unprecedented number of ownership changes,…

With so many variables to consider, owning and running a nursing home can be challenging, making it hard to achieve high marks for quality. Operators can rise to the top by adopting the following best practices, as identified in the 2025 Best Nursing Homes ratings by U.S. News & World…

An active shooter. A vehicle used as a weapon. These are words nobody wants to hear, but they are becoming more common. Owners, management and staff of senior care facilities must be vigilant and aware of the risk. Safeguarding all involved is paramount. Oswald’s Aging Services practice understands the needs…

As the senior care industry continues to evolve, many owner/operators are looking to grow market share or exit. The challenging environment has led to an unprecedented number of ownership changes. Occupancy issues, staffing challenges, regulatory burden and reimbursement uncertainty have created a vortex for dealmakers. Obviously, the key to a…

Planning Ahead is Key for Senior Living Facilities The common advice many give when faced with an active shooter situation is to Run, Hide, Fight. But what if the event happens in a place where the population doesn’t have those options? Such an incident happened recently in New London, Ohio.…

Problem A small manufacturer with 40 employees offered a health plan that was outdated. The fully insured group plan cost the company about $1 million a year in premiums. A financial advisor referred the company to Oswald to take a closer look at better options for providing health benefits. Solution…

Unfortunately, resident injuries and even death can happen at care facilities such as nursing homes and assisted living facilities. Take, for example, the case of Lucy Garcia. Lucy was a patient at the Arbors of Oregon, a nursing home in the Toledo, Ohio, area. Lucy, 72, died of sepsis after…

Liability coverage for assisted living and skilled nursing providers has never been more important. As risk management partners for many care providers, we are seeing claims arising from a variety of events, such as patient falls, delay in treatment, failure to follow physician orders, violation of resident rights, failure to…