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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…

Did you ever wonder why your insurance broker asks—or should be asking—for so much information during the policy purchase process? It’s not that we’re nosy or want to make you jump through hoops. It’s because the more information you share and the more proactive you are, the more we can…

Life insurance, given that it could provide tens of millions of dollars tax-free at someone’s death, should warrant the same consideration and attention as any high-value asset. As such, financing the premiums for a large acquisition of life insurance should be considered. Many families use life insurance as an asset…

In March 2020, when we were first made aware of the threat of COVID-19 and were told to stay home, most of us thought we would be there for a couple of weeks and things would be back to normal. Instead, a couple of weeks turned into a couple of…

Insurance for yourself or your business is typically one of the last things that most individuals want to spend time or money on. However, we all know it is necessary, especially in these uncertain times. The world of insurance continues to evolve, where emerging risks bring new challenges. These evolving…

Washington state implemented the first public Long-Term Care (LTC) option* funded through a new payroll tax, and other states are looking to mandate a similar plan. California, which is leading the next wave of publicly funded LTC options, may only give employers 24 hours to comply and is expected to…

A surety bond is nothing more than a third-party guarantee of an obligation between two other parties. The majority of surety bonds guarantee performance of a contract and/or payment of monies legally owed to others. Sounds pretty simple, right? Well, not really. When we are asking a surety company to…

Lacy Rex of Oswald Companies and Steven G. Stransky of Thompson Hine recently published on Law360 an article, “Preparing For New Mandatory Cyber Reporting Rules,” which can be accessed in full here. On March 15, 2022, The Cybersecurity Incident Reporting for Critical Infrastructure Act of 2022 (CIRCIA) was signed into…