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Understanding the Difference: Duty to Defend vs. Reimbursement Insurance Policy Forms

Zachary Zenger

When it comes to navigating the complex world of insurance, particularly in the context of legal defense, the two provisions that are widely considered are Duty to Defend and Reimbursement/Indemnity forms. While both provisions are specific to liability coverage, it is important to understand the difference between them because they…

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Are Short-Term Rental Homes Worth the Risk? What Owners Need to Know to Insure Their Investment Property

Cincinnati is bustling with redevelopment projects for entertainment, beautiful parks and concert venues. Areas like this are ideal for investing in real estate for visitors to enjoy. Websites such as Airbnb and VRBO offer thousands of short-term rental home options for this very reason. If you aren’t familiar, anyone can…

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The U.S. Supreme Court Has Just Changed Buy-Sell Agreements For Years to Come: Will Your Company and its Owners be Impacted?

Greg Babcock

In a unanimous ruling, the U.S. Supreme Court just made a significant decision that will impact the structuring of buy-sell agreements for closely held companies. These are commonly used by business owners to ensure that, when one owner dies, their interest will be sold to the other owners or to…

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Artificial Intelligence: Know the Risks and Protect Your Organization

Everett Schneeberger

It has quickly progressed from a futuristic concept to now seemingly a part of everyday life. What is it? Artificial Intelligence (AI) represents a computer system’s capability to perform human tasks. Though still evolving, AI has empowered individuals and businesses to operate in new and more efficient ways. Advancements in…

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OSHA Guidance: Heat Stress Risk Advisory

Adam Thomas

Heat stress results in dozens of fatalities and thousands of illnesses each year for workers in hot and humid environments. Although OSHA’s heat stress campaign dates back to 2011, the National Emphasis Program that went into effect in 2022 places heat stress near the top of OSHA’s enforcement list. If…

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Watercraft Insurance: What You Should Know Before You Hit the Water

As you drive down the highway witnessing jet skis and boats being towed to their destinations, it’s a sure sign that summer has arrived. For those living in a four-season state, you’ve been longing for the days of fishing, cruising and all the fun activities that boating season brings. However,…

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Nine Ways to Protect Your Investment in a Coastal Property

oswaldcompanies

Though the hurricane season lasts for only six months a year, the challenges of building and repairing homes along the coast is ongoing. Whether you are rebuilding, remodeling or starting anew, considering several proactive building guidelines could make an impact on your insurance premiums and how you fare in a…

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Hurricane Season: Preparation and Contingency

oswaldcompanies

With the 2024 Hurricane Season officially beginning on June 1, it is a good time to assess your personal and/or company plan to protect assets, people, property and profits. Initial forecasting predicts that this season’s activity has the potential to be extremely active. As a Unison Risk Advisors or Oswald Companies…

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Protecting Your Family and its Assets Webinar Series

oswaldcompanies

We know that managing your Family Office is multi-faceted and requires a unique focus on personal needs. This four-part series is designed to educate family office leaders and wealth managers on key trends and priorities in the marketplace. Key Topics include: Emerging Aircraft Exposures for Successful Families Cyber/Digital Protection Navigating…

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Expanding Your Fleet? Weigh the Risks of Gas, Electric, Hydrogen Fuel Cell Vehicles

As the economy continues to gain momentum, many companies are growing their fleets. On the minds of business owners is whether to stick with traditional gas-powered vehicles or switch to electric or hydrogen fuel cell-powered vehicles. All have their risks and benefits, including in how they are insured and protected.…

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