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Are you currently operating, hiring a subcontractor, or contemplating using a drone in your business? Take a moment to read a recent update on the requirements for an “unmanned” aircraft. The use of drones, or “unmanned aircraft” as they are often referred to within an insurance policy, is becoming more…

It is no secret that sole proprietors and middle market employers have faced challenges when purchasing healthcare insurance for themselves and their employees. Sole proprietors find the rising costs of purchasing on the individual market a hindrance to securing the best coverage. Small employers are often limited in their selections…

The potential for employment practices claims such as sexual harassment allegations, discrimination and wrongful termination has manufacturers on edge, according to the 400 respondents to MAGNET’s Manufacturing Survey. The survey, sponsored by Oswald, asked manufacturers to identify their top concerns and employee lawsuits sit in the top ten. While major…

Liability coverage for assisted living and skilled nursing providers has never been more important. As risk management partners for many care providers, we are seeing claims arising from a variety of events, such as patient falls, delay in treatment, failure to follow physician orders, violation of resident rights, failure to…

Passing along medical plan costs to employees is nothing new. In fact, this traditional approach has been used for decades as employers scramble to find ways to afford the escalating costs of group benefit plans. Unfortunately, the status quo has many negative, albeit unintended, consequences. Passing along additional costs or…

You do not need to live in a flood zone to experience a flood. The following article from our partners at Assurex Global, “April Showers Brings May Floods,” indicates that nearly 25% of flood insurance claims come from areas mapped outside high-risk ‘flood zone’ areas. Further, according to U.S. Spring Outlook…

Six Qualities to Consider Nothing exists in a vacuum. This scientific principle holds as true for businesses as it does for physics. Complex interdependencies allow businesses to flourish and prosper in the short and long-term. Regardless of the role, successful partnerships require understanding, expertise and an ability to see beyond…

The 2017 hurricane season was like no other in history. Many faced devastation unseen in recent history. For commercial property owners, having professional risk advisors and the right insurance coverages offered better recovery experiences and quicker relief, even as impacts linger. According to National Geographic, 2017 was the most expensive…

This is the “Year of Celebration” for the Oswald Women’s Leadership Council (WLC). While Oswald Companies commemorates 125 years of “caring for our clients and employees needs today and tomorrow”, the WLC celebrates five years of “empowering, developing and advancing women.” Oswald Companies has long recognized a drive to be diverse…

This year, Oswald Companies proudly partnered with The Manufacturing Advocacy and Growth Network (MAGNET) to offer manufacturers the opportunity to participate in a 40-question survey about their businesses and the manufacturing industry. Providing an overall look at the Region’s second largest employer segment, the results benchmark growth, identify areas of concern…