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Making the right enrollment decision is important – and employees only have one chance per year. What is Open Enrollment? Once a year – during open enrollment, employees can sign on to health insurance, make changes to their health insurance or stop their health insurance plan. The only other time…

Supply chain limitations, cost management uncertainty and ever-changing interest rates face the construction industry every day. Those in the industry, from financiers, risk managers to project owners, must anticipate what may lie ahead. They also need to consider new strategies to mitigate risks tomorrow or in the future.

You likely have insurance for your corporation in the event a lawsuit arises, but what about coverage for your C-suite employees and/or executive leadership? If your company faces litigation, there is a good chance your top executives will face legal action as well. If you’ve ever heard of the “corporate…

Did you ever wonder why your insurance broker asks—or should be asking—for so much information during the policy purchase process? It’s not that we’re nosy or want to make you jump through hoops. It’s because the more information you share and the more proactive you are, the more we can…

Life insurance, given that it could provide tens of millions of dollars tax-free at someone’s death, should warrant the same consideration and attention as any high-value asset. As such, financing the premiums for a large acquisition of life insurance should be considered. Many families use life insurance as an asset…

Lacy Rex of Oswald Companies and Steven G. Stransky of Thompson Hine recently published on Law360 an article, “Preparing For New Mandatory Cyber Reporting Rules,” which can be accessed in full here. On March 15, 2022, The Cybersecurity Incident Reporting for Critical Infrastructure Act of 2022 (CIRCIA) was signed into…

While the hard market is not over, and areas of immediate concern certainly exist, there are signs of relief on the horizon. While rates increased across the board to close out 2021, price hikes were less severe than those observed earlier in the hard market cycle. These positive trends have…

Within the last 24-36 months, we have experienced an environment of rising rates and premium due to: -Billions in losses stemming from catastrophic losses and natural disasters -Decreased carrier investment returns caused by low interest rates -Increased re-insurance rates -Uptick in underwriter scrutiny of renewal submissions The global pandemic has…

As the world watches the Russian invasion of Ukraine unfold, a close eye should be kept on a different kind of battlefield as well; cyberspace. While we have long known the capabilities of Russian cybercriminal groups, the lines between state-sponsored and independent criminal actors are beginning to blur. For example,…

Unison Risk Advisors (RCM&D and Oswald), a leading independent risk management, insurance and employee benefits firm, and BitSight, the industry-standard in cybersecurity ratings, have announced a new partnership to help businesses of all sizes address cyber threats. Cybercrime rates reached new highs in 2021 as data breach rates rose 68…