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The current climate has created an ideal “phishing season” for cybercriminals. They don’t need a license or a tackle box to try to take advantage of many people’s natural trusting nature. Exploiting this trust is easier than hacking your software, so trickery attempts have become commonplace. Bad actors prey on…

The recent U.S. weather patterns, which have caused record breaking and unprecedented snow, ice and subzero temperatures across the country, may have you facing potential home claims in the days to come. Simply stated, the real damage occurs as the thawing begins, and a few precautionary steps may help to…

During these unprecedented times, the challenge of managing the ever-increasing cost of health insurance has become more difficult as additional factors contribute to the number and frequency of claim occurrence due to an: Aging workforce population Increase in events that trigger COBRA eligibility Employers may not be able to eliminate…

Changes from the Consolidated Appropriations Act, 2021. Introduction The Consolidated Appropriations Act, 2021 (CAA) included provisions affecting the Mental Health Parity and Addiction Equity Act (MHPAEA). The new provisions require group health plans to perform comparative analyses demonstrating compliance with the MHPAEA. Plans will now be required to provide these…

Before You Call the Movers, Talk to Your Insurance Advisor While other segments of the economy have struggled under the weight of the pandemic, the real estate market has seen increased home prices amidst soaring demand. Many people have found themselves living and working in the same space. Suddenly, the…

Amazon recently announced two new pharmacy offerings; Amazon Pharmacy gives individuals the ability to complete their entire pharmacy prescription transaction online, and Amazon PrimeRx, which is a discount program for Prime members to provide savings when not using insurance. Amazon Pharmacy Amazon Pharmacy service allows individuals to purchase up to…

Oswald Companies was a featured contributor in the Crain’s Cleveland Custom Content: ACG 2021, January 2021. In the article titled “Using Process to Navigate Risk through the COVID-19 Environment,” Jeff Schwab, Senior Vice President, Private Equity at Oswald Companies and Brian Stovsky, Business Development Leader, Private Equity at Oswald Companies,…

Every football season, I, like many others, contemplate what makes a good team. We listen to predictions from professionals and statements from the players themselves. We look to past performance and the state of the current play. And we decide what matters to us. (With fantasy sports, we can even…

The snow and ice that blankets nearly 70 percent of the nation’s roadways during the winter months each year presents drivers with challenges that can result in vehicle crashes if they are not prepared. The winter weather crash statistics provided by the Federal Highway Administration indicate that over 1,300 people…

When you purchased your first car or home, perhaps you purchased coverage from a local ‘mass market’ insurance agent. As time goes on and your career, personal and professional responsibilities expanded, it’s possible the insurance carrier you started with may no longer be sophisticated enough to provide the coverage and/or…