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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…

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…

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…

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…

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…

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…

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…

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…

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.…

For years, we have become accustomed to the idea of Artificial Intelligence (AI) in the workplace. Computers have enhanced and modernized the way organizations operate, doing jobs historically performed by humans. More recently, AI has become prevalent in the hiring process for thousands of companies. Instead of people sorting through…