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Vulnerabilities and opportunities of risk are topics that worry most organizations. Understanding the risks your nonprofit faces also means understanding the necessary measures needed to prevent those risks from happening. From insurance coverage to internal controls, there are effective steps to put in place to ensure you are protecting your…

Join us on, Tuesday, Oct. 19 at 12:00 p.m. EST, for a complimentary webinar in partnership with Invesco. This webinar will offer insightful information on planning for 2022 in the following areas: Cyber security risks as it relates to 401K plans Themes in defined contribution litigation Revolutionizing 401Ks with Pooled…

Most retirement plans impose caps on covered compensation that discriminates against highly compensated employees. With the new guidance issued in June on how the IRS will audit non-qualified deferred compensation plans, coupled with Congress expected to raise revenue for the infrastructure bills by significantly increasing IRS audit activity, it’s reasonable…

CINCINNATI – Sept. 22, 2021 – The Cincinnati USA Regional Chamber is partnering with Oswald, one of the nation’s largest independent insurance brokerage firms, to present a four-part series on Cyber Security for Your Business. The first program, which will be offered virtually, is Oct. 18, 8:30 a.m. The session…

Unlike commercial property & casualty markets that have numerous insurers, the aviation insurance market is highly specialized with far less insurers. Depending on the nature of a risk and the limits needed, multiple insurers may be required to insure 100 percent of a placement, or there may only be one…

The Covid-19 pandemic will likely be one of the costliest catastrophes the construction industry has ever faced. As a leading national practice in construction, Oswald has experienced the following firsthand: increases in material costs, workforce management and electronic bonding. Here are some lessons learned. Three Steps to Fight Inflation in the…

Cyber criminals have recently begun migrating their attacks from larger businesses and organizations to private wealth clients. With information like your Social Security Number and birthdate, scammers can file tax returns, steal from investment accounts, or rack up medical bills. Be careful to protect your paths of least resistance, which…

Oswald Companies was a featured contributor in the Crain’s Cleveland Employee Benefits: Thought Leadership Custom Content, July 2021. In the article titled “Effectively communicating with employees in a hybrid environment,” Bill Fisher, Senior Vice President, Practice Leader, Group Benefits, discusses the importance of employee communication and engagement for all aspects…

Increased cyber claims have necessitated the insurance carriers to scrutinize cybersecurity controls with an increasingly rigorous underwriting process. We are seeing premium increases 60 percent to 100+ percent. As insurance carriers focus on controls, cyber hygiene is crucial to securing cyber liability insurance coverage, and Multi-Factor Authentication (MFA) is essential.…

In Part 1 of this article we discussed the importance of Permanent Total Disability (PTD) and what to look for when acquiring it. For this part let’s turn our focus to Loss-of-Value (LOV) insurance. Remember that PTD covers an athlete in the event of a career-ending injury. LOV, on the other…