Many clients are reluctant to purchase a cyber risk policy out of fear that it is illusory coverage. Illusory coverage is when the literal language or structure of an insurance policy gives the policyholder the impression of coverage but effectively negates any meaningful coverage. Because of this, cyber insurance has…
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Following on the heels of 2017’s record-setting financials, mergers and acquisition activity has continued to accelerate in 2018, all while competition for deals continues to be very intense. Given the current environment of deal velocity and heightened deal competition, the danger of losing a deal to another buyer immediately when…
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The commercial construction industry is a double edged sword today. The industry is growing – construction spending in the United States topped $1.23 trillion in 2017 according to research firm Statisa, but construction contractors are finding it harder to attract quality workers. According to research from the Associated General Contractors…
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More than 34% of Americans rent their homes, which is the highest rate since 1965, according to a 2025 report by the U.S. Census Bureau. While this is great news for landlords who often find more tenant candidates than available units, it also increases the risk in tenant liabilities. Oswald…
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Does your company have the proper security, insurance, legal and compliance framework to prevent cybercrime in 2019—or mitigate potential damage from it? This event presentation and panel discussion will take place, Friday, March 15 at the Oswald Conference Centre from 7:30 a.m. – 10:00 a.m. Registration is now closed for…
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CLEVELAND – December 19, 2018 – Oswald Companies, one of the largest independent and employee-owned insurance brokerage and risk management firms in the nation, has announced the appointment of Traci Barlage to the position of Vice President, Casualty Practice Leader. She specializes in implementing strategic risk management plans and alternative outcomes…
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Are you currently operating, hiring a subcontractor, or contemplating using a drone in your business? Take a moment to read a recent update on the requirements for an “unmanned” aircraft. The use of drones, or “unmanned aircraft” as they are often referred to within an insurance policy, is becoming more…
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The potential for employment practices claims such as sexual harassment allegations, discrimination and wrongful termination has manufacturers on edge, according to the 400 respondents to MAGNET’s Manufacturing Survey. The survey, sponsored by Oswald, asked manufacturers to identify their top concerns and employee lawsuits sit in the top ten. While major…
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Liability coverage for assisted living and skilled nursing providers has never been more important. As risk management partners for many care providers, we are seeing claims arising from a variety of events, such as patient falls, delay in treatment, failure to follow physician orders, violation of resident rights, failure to…
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The 2017 hurricane season was like no other in history. Many faced devastation unseen in recent history. For commercial property owners, having professional risk advisors and the right insurance coverages offered better recovery experiences and quicker relief, even as impacts linger. According to National Geographic, 2017 was the most expensive…
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