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It only takes a trip to the gas pump (or the grocery store) to remind us how inflation is affecting our daily lives. The latest consumer price numbers from the U.S. government show us that last month inflation rose 8.6 percent from a year ago, the highest increase since December…

Executive leaders today face unique challenges when it comes to saving for retirement. The amount they can put aside through their employer’s qualified plan is often far from what they need. Furthermore, if participation by rank and file employees in an existing plan is not high enough, or the plan…

On occasion, the client of an attorney will need a surety bond, which is placed by surety brokers. We refer to these as Court, Fiduciary and Probate Bonds, which are required by various courts in our judicial system.  These bonds are used to protect either property or money. So, let’s take a…

The last five years have been interesting, to say the least. They also brought about a variety of changes that have upended the way many of us work. What worked for most organizations in 2019 simply doesn’t cut it in 2025. The key to successfully moving forward is creating a…

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.

For any business that needs surety bonds, it is wise to find an experienced surety broker to help you navigate the industry and find the right surety company to partner with. When you enter into a surety bond relationship, you are essentially entering into two important relationships, one with your…

Today’s employers need to understand family forming benefits. This need grows more pressing by the day as attracting and retaining employees is more difficult than ever. Family forming benefits should be a part of a greater risk management strategy. As subject matter advisors with leading, specialized partners, Oswald Companies will…

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…

Oswald Companies was a featured contributor in the Crain’s Cleveland Thought Leadership Forum: Employee Benefits, May 2022. In the article titled “ICHRAs continue to serve many with individualized insurance options,” Frank Spinelli, Managing Director, UROne Benefits®, discusses how Individual Coverage Health Reimbursement Arrangement (ICHRA) can be mutually beneficial to both…