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More than 34% of Americans rent their homes, which is the highest rate since 1965, according to a 2025 report by the U.S. Census Bureau. While this is great news for landlords who often find more tenant candidates than available units, it also increases the risk in tenant liabilities. Oswald…

This is the “Year of Inclusion” for the Oswald Women’s Leadership Council (WLC). Coming off our electrifying year of celebration, our council not only wanted to continue the celebration of our successes, but also ensure we are celebrating each and every one of our employee-owner’s voices. Over the course of…

In 2018, while Oswald Companies celebrated its 125th anniversary, Oswald’s Women’s Leadership Council (WLC) celebrated its 5th anniversary. Having reached all its original goals, the theme of “The Year of Celebration” was fitting and in step with the organization. After five years, WLC has built significant strength in our council’s…

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…