Employers with fewer than 100 eligible employees have often avoided self-funding their group health insurance programs because they’ve been afraid of the risk. However, with the rising costs of employee health benefits, many employers are turning to self-funding to get control of spending. There are four main components of any…
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Every business has its bad days and problems to solve, so make sure you have the right coverage to protect your business when common issues arise. Manufacturer Errors & Omissions This covers a manufacturing mistake or negligent service that results in a third-party financial loss without bodily injury or property…
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There’s a significant amount of risk involved in any construction project, so all builders should be prepared in case of an accident on the job. It will make the process of making a claim on your insurance easier, more efficient and, hopefully, put the odds in your favor. Claims Treat…
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There’s a significant amount of risk involved in any construction project, so builders and contractors can’t be too careful when it comes to securing Builder’s Risk coverage for their projects. One way to ensure compliance is to be aware of the latest trends in insurance coverage and contract terms. Think…
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The All Ohio Convocation, a risk management program for architects and engineers and industry legal professionals, will take place Thursday, September 5, 2024. The full-day annual event, hosted by Oswald’s Design & Construction practice, will offer 5.0 AIA/ HSW / CLE credits (pending approval) and will cover a wide-range of…
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Captive insurance One way to mitigate risk is by joining a captive. Captive insurance enables organizations to take control of their program, reduce costs and maintain a healthy, engaged workforce while spreading risk across a group of employers. Employers can maximize their benefits investment in good years by capturing profit…
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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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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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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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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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