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It is a situation that is not uncommon for design professionals: A client calls up with a new opportunity and requests initial conceptual plans, or a call is received providing notice that a proposal was accepted and services should begin immediately. Excited about the new job prospect and not wanting…

CLEVELAND, Nov. 21, 2024 – Oswald Companies received the Ruth Ratner Miller Award from Downtown Cleveland Alliance on Nov. 20. The award is bestowed upon those who have made significant investments in the community. Founded in 1893, Oswald was recognized for its 131-year commitment to downtown Cleveland. Oswald recently moved…

Planning Ahead is Key for Senior Living Facilities The common advice many give when faced with an active shooter situation is to Run, Hide, Fight. But what if the event happens in a place where the population doesn’t have those options? Such an incident happened recently in New London, Ohio.…

Qualified retirement plans, group term life and group disability insurance plans are normally structured to provide the same benefit formula across the board for all covered employees. This results in reverse discrimination against highly paid executives due to benefit and contribution caps. However, there is a way to pay executives…

Problem A small manufacturer with 40 employees offered a health plan that was outdated.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…