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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…

What started as a fishbowl conversation between two Oswald executives became a Diversity, Equity, and Inclusion initiative to bring the organization closer together amid uncertainty brought on by the pandemic and social unrest. Common Ground is a small group intervention involving a series of conversations designed to equip Oswald Employee-Owners…

Today’s work environment has never been more ideal for the cybercriminal. Most of us are working from home via the internet. We’re also buying more—even household essentials—online. Cyber insurance is one means of protecting yourself from an unwanted event but, unfortunately, it can’t prevent a cybersecurity breach. As the number…

What is a Products Pollution Liability Insurance policy? Products pollution liability insurance helps to protect businesses from unexpected pollution exposures that may not be covered by standard property and casualty policies. This coverage has become an insurance coverage gap for many different industries. The basic 2001 ISO CGL policy provides…

The SparkCities initiative took off in its first year in Columbus as Oswald Companies’ participated in the 2020 SparkColumbus Fit City Challenge. Out of the six participating cities, Columbus had the most companies register with a total of 112 companies and nearly 1,000 employees. Our clients were thrilled to see…

Most of us are getting more than a little tired of the phrase “uncertain times.” Especially when it comes to open enrollment for employee benefits, who wants uncertainty to be the theme? Now, more than ever, it’s important to send clear communications around this important topic. As we’ve gotten used…

Given current tax laws, we find that fewer families are concerned about paying a large estate tax upon death. Because of this, the planning focus has shifted from estate tax planning to estate preservation. The cost of long-term care is skyrocketing, and with people living longer, the cost of care…