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As people age, the likelihood of needing assistance with daily activities such as walking, eating and bathing increases. Long-term care insurance is a financial planning tool that provides coverage for these services, offering financial support and ensuring peace of mind during a potentially challenging phase of life. Long-Term Care Strain…

Grandma might have had the answer all along. You’ve probably heard the old adage “the straw stirs the drink.” For most health insurance plans, the proverbial straw is a handful of claimants who are responsible for 70-80% of all claim costs. A significant portion of those claims are the result…

In simple terms, a surety bond is a third party financial and/or performance guarantee of a contract or other legal obligation between two parties. While there are hundreds of bond types, the most common types are bid bonds, performance bonds, payment bonds, license bonds, estate administrator bonds, and appeal bonds.…

Did you know that today is #NationalInsuranceAwarenessDay? We want to thank our clients for the opportunity to help protect the people and things most important to them. Risk and insurance needs continually evolve; it’s critical that your policies keep up with these changes and are regularly reviewed. Please check out…

A common set of chemicals that appear in our drinking water, food and many consumer products is emerging as the latest threat in insurance. And companies that use those chemicals likely will be held accountable by insurance companies. They’re called PFAS, a group of thousands of perfluoroalkyl and polyfluoroalkyl substances.…

In most health insurance programs, a small percentage of the plan members account for a significant percentage of the claim payments. In the past, employers focused on population health management or wellness programs to improve the overall health of their employees and their families with the goal of lowering costs.…

CLEVELAND – June 26, 2023 – For the tenth consecutive year, Oswald Companies was named to The Plain Dealer Top Workplaces, midsize company list, announced June 25, 2023. Evaluations for the Top Workplaces program are based on results from employee survey questions, which are focused on a variety of organizational…

The judiciary requires a surety bond to help protect property or money. Some of the most common surety bonds include: Appeal Bonds (or Supersedeas Bonds) stop judgment enforcements and guarantee payment when appeals are lost. Attachment Bonds (or Replevin Bonds) help seize the defendant’s property, which plaintiffs can later sell or transfer.…

Unison Risk Advisors (URA) has announced the strategic addition of Miami-based NSI Insurance Group. NSI will become the third platform partner of the risk management and insurance brokerage firm that ranks among the largest independent firms in the U.S. The transaction closed June 20. Unison Risk Advisors was formed in…

Flooding events cause billions in damage each year and can occur anywhere. While most consumers do not believe they will be affected, 99% of the counties in America were impacted by flooding between 1996 and 2019, according to the Federal Emergency Management Agency. A flood is caused by mother nature…