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How to Select a Surety Broker

Mark Rader

For any business that needs surety bonds, it is wise to find an experienced surety broker to help you navigate the industry and find the right surety company to partner with. When you enter into a surety bond relationship, you are essentially entering into two important relationships, one with your…

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Attract and Retain: Family-Forming Benefits

Stephanie Gingrich

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 experts with leading, specialized partners, Oswald Companies will…

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How Health Insurance and Plan Choices Are Key for Retention, Controlling Costs

Brian Stovsky

Employee benefits have become a key part of the hiring and retention of employees in today’s hiring market. There is increased stress on compensation as demand for higher salaries and pay rates come from potential hires and the existing workforce. An employer’s willingness to put the time and effort into…

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Personal Insurance Considerations for C-Suite Employees

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…

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Hurricane Season: The Time is Now to Review Your Plan

Mary Marley

Actions and planning during the off-season impact how well you are ready to weather another hurricane season. In recent years, the U.S. mainland experienced more hurricane activity than in the recent past. If you felt prepared, that’s great – keep it up! If you didn’t feel prepared, now is the…

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Watercraft Insurance: What You Should Know Before You Hit the Water

As you drive down the highway witnessing jet skis and boats being towed to their destinations, it’s a sure sign that summer has arrived! For those living in a typical four-season state, you’ve been longing for the days of fishing, cruising, and all the fun activities that boating season brings.…

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ICHRAs Continue to Serve Many with Individualized Insurance Options: Crain’s Cleveland Business Feature


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…

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Behind the Curtain: A Conversation with an Insurance Underwriter

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…

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Electric Bike Insurance: How to Ensure You Are Safe and Covered

Imagine the perfect spring day: It’s 70 degrees, the sun is shining, birds are chirping, and the wind is whipping through your hair as you test drive your new electric bike! The last thought on your mind is that this perfect day could turn into a tragic event. But what…

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Tips on Leveraging Bank Financing to Pay Life Insurance Premiums

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…

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