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As the economy continues to open up and COVID restrictions are lifted, the American workforce faces yet another adaptation. With many people now adjusted to working from home, businesses and organizations are bringing employees back into the office or introducing a hybrid future that combines working from home with days…

If an organization is considering incentivizing vaccinations, mandating vaccinations or introducing financial penalties for unvaccinated employees, a number of general rules need to be considered before introducing a policy within the organization. To assist in the interpretation of the rules, here’s some basic information you should know: The HIPAA/ACA financial…

As the summer winds down, several new developments on the COVID-19 front are having a massive impact on how organizations across all industries approach vaccination policies. With the surging Delta variant, news of at least one additional variant and recent FDA approval of the Pfizer/BioNTech COVID-19 vaccine (with more approvals…

Unlike commercial property & casualty markets that have numerous insurers, the aviation insurance market is highly specialized with far less insurers. Depending on the nature of a risk and the limits needed, multiple insurers may be required to insure 100 percent of a placement, or there may only be one…

The Covid-19 pandemic will likely be one of the costliest catastrophes the construction industry has ever faced. As a leading national practice in construction, Oswald has experienced the following firsthand: increases in material costs, workforce management and electronic bonding. Here are some lessons learned. Three Steps to Fight Inflation in the…

Cyber criminals have recently begun migrating their attacks from larger businesses and organizations to private wealth clients. With information like your Social Security Number and birthdate, scammers can file tax returns, steal from investment accounts, or rack up medical bills. Be careful to protect your ‘paths of least resistance’ which…

Oswald Companies was a featured contributor in the Crain’s Cleveland Employee Benefits: Thought Leadership Custom Content, July 2021. In the article titled “Effectively communicating with employees in a hybrid environment,” Bill Fisher, Senior Vice President, Practice Leader, Group Benefits, discusses the importance of employee communication and engagement for all aspects…

Communicating with employees has always been a vexing problem. Though, we can’t blame it on too little communication, considering the amount of emails and phone calls zoom through offices every day, even beyond the traditional office hours. And considering how fast-paced businesses run, we aren’t stopping to consider if our communication capabilities…

Increased cyber claims have necessitated the insurance carriers to scrutinize cybersecurity controls with an increasingly rigorous underwriting process. We are seeing premium increases 60 percent to 100+ percent. As insurance carriers focus on controls, cyber hygiene is crucial to securing cyber liability insurance coverage, and Multi-Factor Authentication (MFA) is essential.…

In Part 1 of this article we discussed the importance of Permanent Total Disability (PTD) and what to look for when acquiring it. For this part let’s turn our focus to Loss-of-Value (LOV) insurance. Remember that PTD covers an athlete in the event of a career-ending injury. LOV, on the other…