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Situation A large auto parts distribution company saw their health benefits claims rising. They needed to find ways to reduce their costs to maintain a healthy bottom line and continue to grow their business. Solution During the broker-RFP process, Oswald identified numerous areas of improvement that could be implemented in…

Many Directors and Officers of private companies and nonprofit organizations understand the importance of D&O insurance to protect their personal assets, as well as the entity’s balance sheet. Yet, many fail to take the time to understand important exclusions that are embedded in the policy. One such exclusion is professional…

Insurance is a mystery to most organizations who go through the same transactional buying cycle each year. Tune in to learn the three key factors that determine a successful renewal outcome.  

With the hard insurance market continuing what may soon be a historical run, manufacturers and distributors across the country are clamoring to gain clarity and control of their terms and premiums. This hard market has many contributing factors, including rising replacement costs, capacity going down as losses pile up, and…

January health insurance renewals will be here before you know it. As the employer, you can make sure you’re getting the best coverage for your employees and avoid any unexpected costs or gaps in your insurance. Just follow these steps: Review your current group plan: Coverage and benefits: Does your current…

With more wealth comes greater security concerns. The statistics don’t lie. A staggering 28% of high-net-worth families have been targeted by bad actors, which caused 25% of them to lose money, said Stephen Hines, senior director and consultant with Jensen Hughes. The former U.S. Secret Service agent partnered with Oswald…

Premium allocation In a fully insured plan, 100% of the premium dollar goes to the carrier, which pays the claims and manages the plan. In a self-insured plan, up to 87 cents of each dollar covers claims. The remainder covers reinsurance and administrative fees. There are two types of reinsurance…

Situation A large nonprofit in Cincinnati has been serving the community for more than 50 years. The organization, which serves Greater Cincinnati for addiction services, had two major claims and several smaller claims over the years. The small claims were reported without the organization understanding the impact they would have…

The news has been full of cyberattacks recently and no organization is safe, regardless of its size. Cybercriminals are targeting for-profit and nonprofit organizations, public and private companies, and government entities. Their attacks are also becoming more sophisticated. Earlier this year, the website of the Pennsylvania courts system shut down…