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Nuclear Verdicts: 5 Proactive Strategies to Reduce Your Risk

Large jury awards, or “nuclear verdicts,” are no longer rare, headline-making events. Multi-million — and even billion-dollar — verdicts are becoming increasingly common in commercial litigation — and a growing concern for many businesses. Without adequate liability and umbrella coverage, companies may be forced to pay substantial costs out of…

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Single-Family vs. Multi-Family Offices: Which Structure Makes Sense and When

Choosing between a single-family office, or SFO, and a multi-family office, or MFO, is not simply a question of cost or investment strategy. It is a risk management decision. Single-family offices provide a high degree of control and customization, which can be well suited for families with complex operating businesses,…

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5 Strategies to Reap the Benefits of a Stabilizing Real Estate Insurance Market

After a prolonged period of rising premiums and tighter underwriting, the commercial real estate insurance market is beginning to show signs of stabilization. Following several years in a hard market cycle, many organizations are seeing insurance premium reductions, increased underwriting flexibility, more favorable terms and broader policy options across a…

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Why Overlooked Personal Risks Can Disrupt Long-Term Financial Plans

Market volatility often dominates conversations about wealth. Yet recent financial commentary suggests that everyday personal risk may pose a more immediate and lasting threat. A widely shared analysis highlighted how uninsured or underinsured events, such as liability claims or property losses, can disrupt financial plans far more quickly than market…

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Controlling Employee Benefits Costs with Captive Insurance

When employee benefits costs keep climbing, it’s hard for employers to feel in control. Rising medical costs, more high-cost claims, and the growing use of specialty drugs gene therapies all hit the bottom line, leaving many employers feeling like they are just watching the numbers go up.  But employers don’t have to sit back while the costs…

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How Successful Family Offices Think About Personal Risk Differently

When people talk about risk in family offices, the conversation often begins and ends with investments. Market volatility, asset allocation, and return assumptions tend to dominate attention. Many family offices, however, recognize a quieter reality. Some of the most significant risks families face are personal, not financial. Litigation, liability, liquidity…

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Health Insurance and Plan Choices are Key to Retention | Oswald M&A Advisory

Employee benefits have become a key part of the hiring and retention of employees in today’s hiring market. There is increased stress on compensation as demand for higher salaries and pay rates come from potential hires and the existing workforce. An employer’s willingness to put the time and effort into…

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Workforce Fatigue in Aging Services: Its Impact on Safety, Claims and Cost of Risk

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…

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2026 Spring Commercial State of the Market

The commercial insurance market continues to adjust after several years of heightened volatility. While some lines are showing signs of stabilization, others remain challenged by ongoing claim severity, litigation trends and evolving risk exposures. Insurers are approaching underwriting with greater discernment as economic conditions, regulatory requirements, workforce dynamics and technological…

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Cybersecurity Threats Family Offices Can’t Ignore 

Cybersecurity is often framed as a technology issue. For family offices, it is something more personal. A cyber incident can affect finances, privacy, reputation and in some cases, physical safety.  Family offices sit at the intersection of wealth, discretion and information. They manage sensitive financial records, governance documents, personal identifiers,…

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