In most health insurance programs, a small percentage of the plan members account for a significant percentage of the claim payments. In the past, employers focused on population health management or wellness programs to improve the overall health of their employees and their families with the goal of lowering costs.…
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The judiciary requires a surety bond to help protect property or money. Some of the most common surety bonds include: Appeal Bonds (or Supersedeas Bonds) stop judgment enforcements and guarantee payment when appeals are lost. Attachment Bonds (or Replevin Bonds) help seize the defendant’s property, which plaintiffs can later sell or transfer.…
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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…
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For construction companies, it is important to have a surety broker representing you with the various insurance carriers that write bonds. Most companies can get more bonding capacity by working with someone who knows the business very well. Knowledgeable surety brokers and surety company representatives allow you to learn valuable…
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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…
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The architecture and engineering landscape is constantly evolving. Whether you’re charged with keeping up with legislative changes on the local, state and national levels or staying abreast of the latest trends in the market, we understand you have a lot on your plate. Oswald Companies is here for you. Our…
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This will sneak up on an employer like the “quarantine 15” did for many people during the pandemic. As a responsible employer, you’re cruising along and checking off all the boxes to ensure your employee benefits program is in compliance. Required notifications to employees – check. Rx reports submitted for…
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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…
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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,…
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Choosing the right advisor to manage your company’s health care plan is a crucial decision that can significantly impact your organization’s financial well-being. As a CFO, you need a trusted partner who possesses the right skills, understands industry trends, and can provide tailored solutions to meet your company’s overall goals.…
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