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Problem A small manufacturer with 40 employees offered a health plan that was outdated. The fully insured group plan cost the company about $1 million a year in premiums. A financial advisor referred the company to Oswald to take a closer look at better options for providing health benefits. Solution…

Problem A nonprofit with 86 employees absorbed a 32% increase for employee health benefits in 2024. They were told by their existing broker that premiums would go up another 25% in 2025. Upon being questioned, the broker said the best they could do was to reduce the premium increase to…

Initially viewed as a high-priced toy, drones have become a tool for taking aerial photos and video, monitoring crowds, and even spotting wildlife trends. The possibilities are endless for businesses of all kinds, which also means businesses could be held liable for damages caused by a drone. That’s why the…

Unfortunately, resident injuries and even death can happen at care facilities such as nursing homes and assisted living facilities. Take, for example, the case of Lucy Garcia. Lucy was a patient at the Arbors of Oregon, a nursing home in the Toledo, Ohio, area. Lucy, 72, died of sepsis after…

When considering a merger or acquisition, either you are doing the acquiring or you are being acquired, it’s essential to get your insurance broker involved at the onset to help protect your firm during M&A negotiations. As a nation’s economy cycles, so does the level of mergers and acquisitions (M&A)…

Each year, the Occupational Safety and Health Administration (OSHA) releases its top 10 violations. This year’s list looks similar to years past, but some hazards gained a more prominent ranking.   Fall Protection – With 6,307 violations in fiscal year 2024, fall protection maintained its top ranking, but the number…

An employee who is usually high performing, engaged and motivates others often has a great impact on those around them. When that employee starts to seem distracted and less productive, it is noticeable and often a sign that they are experiencing a tough time. We often hear stories such as…

Lockout/Tagout/Tryout Electrical systems and installations are highly regulated for the safety of all involved. Follow these guidelines to ensure you are in compliance. If systems need to be energized for work, only properly trained, licensed, and qualified people may work on these systems. The systems can only be worked on…

Employment practice lawsuits can prove to be damaging financially and to a business’s reputation. According to the U.S. Equal Employment Opportunity Commission, there were 110 lawsuits filed in the 2024 fiscal year ending Sept. 30.  The average cost of employment practice claims is $217,000 and it can take nearly a…

We have all experienced that uneasy feeling; that feeling when we worked late or had an event and then needed to walk back to our car alone. At Oswald, we are committed to not only protecting our clients from risk but empowering each other. Here are a few important tips…