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A common set of chemicals that appear in our drinking water, food and many consumer products is emerging as the latest threat in insurance. And companies that use those chemicals likely will be held accountable by insurance companies. They’re called PFAS, a group of thousands of perfluoroalkyl and polyfluoroalkyl substances.…

Flooding events cause billions in damage each year and can occur anywhere. While most consumers do not believe they will be affected, 99% of the counties in America were impacted by flooding between 1996 and 2019, according to the Federal Emergency Management Agency. A flood is caused by mother nature…

PFAS (perfluoroalkyl and polyfluoroalkyl) are a group of man-made chemicals that have been widely used in industries and consumer products for decades. There are more than 9,000 of these substances that can accumulate in the environment and in the human body, leading to potential health concerns. PFAS chemicals have been…

Corporate decision makers know it’s important to protect their most valuable assets—their employees and property. Most also recognize the need for other protective coverage such as cybersecurity insurance. However, many organizations simply overlook environmental perils or assume they’re covered. In fact, fewer than 20% of insurance buyers purchase specialized environmental…

Many of the most desirable towns and city neighborhoods are centered around a cherished historic district marked by charming older homes and buildings with architectural significance. If you’re lucky enough to live in one of these historic homes, properly insuring your investment is imperative. You didn’t choose a cookie-cutter house,…

Active assailant events can happen anywhere – schools, businesses of all types, and even on a sunny, seaside boardwalk crowded with tourists, which happened in Hollywood, Fla., on May 29. Such attacks come in many forms and can involve weapons such as guns, explosive devices and vehicles. David Hosier, senior…

Unfortunately, gun violence in workplaces of all kinds, schools and public spaces are becoming more prevalent and more violent in the United States. How you respond may make all the difference and the rule is simple: Run, Hide, Fight. Oswald Companies hosted the second in a three-part series on active…

Insurance requirements for administering employee plan benefits confuse many fiduciaries and retirement plan officials. While an ERISA or fidelity bond is required by law, fiduciary liability insurance can also be helpful. So, what’s the difference? Purpose: An ERISA bond policy protects an employer-sponsored retirement plan from dishonesty or fraud, such as…

Active assailant events are becoming more frequent and they’re causing more injuries and casualties than ever before. They’re happening in schools, public spaces and workplaces of all types. This alarming trend prompted Oswald to host a three-part webinar series on prevention, response and recovery. The first webinar took place on…

Sometimes business just can’t be completed without getting in the car. Chances are your employees use their own vehicles to meet clients, go to the bank, pick up lunch for the office, or make a quick trip to the store for supplies. All make for a smoother workday. But there’s…