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Prescription drugs are a crucial component of health care, with millions of Americans relying on their medications to manage chronic conditions, recover from illnesses and improve their quality of life. However, the cost of prescription drugs can be prohibitively expensive, especially for those without insurance or with limited financial resources.…

Owners are asking architects and engineers to have higher insurance limits just in case something goes wrong, as noted in Oswald’s Spring State of the Market report. Instead of the usual $1 million limit, owners are demanding $5 million and $10 million limits. The problem is those higher limits might…

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…

There is currently a wide range of ages in the workforce — people with a variety of backgrounds and beliefs — so it can be tough to create a culture that all want to be part of. Thankfully, useful trends are emerging. To compete for employees in 2022, companies had…

There has been a significant shift in underwriting cyber liability insurance in the past three years, mostly driven by substantial claims. As the cyber liability market begins to stabilize from a pricing standpoint, the scrutiny on cybersecurity controls hasn’t lessened. Underwriting standards continue to increase and evolve along with the…

It’s More Than Just Numbers on a Sheet The clock starts the day your health plan renews, and how you use your claims data throughout the year can have a (positive or negative) financial impact on your next renewal. Data is only as valuable as what you do with it.…

Watch as Gene Pompili, vice president, risk leader, employee benefits at Oswald Companies, speaks with David Wright, CFO of University Schools, about joining the Independent School Benefits Consortium™ and what that has meant for him and University Schools.  

Nearly all (99.9%) of American companies are small businesses, according to a study by the U.S. Chamber of Commerce. Yet many of those small-business owners do not have a plan to exit their companies – even as many of them plan to retire in the next decade. This could lead to…

Baseball season has begun, hockey is closing in on playoff season, football is just around the corner — and sports betting is now legal in Ohio. It’s the perfect potion to entice some employees to place a bet using company computers. While it might seem harmless to spend a few…

When a business owner dies, many questions arise and the owner’s death is often followed by some level of panic as those left in charge try to determine the answers. Here are answers to some common questions, as well as options for consideration as you turn the page on the…