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Ohio’s new anti-indemnity law provides more protection for architects and engineers working on public projects with a public entity. Effective March 14, 2023, the law limits the indemnification provisions that public entities can include in contracts with design professionals on public improvement projects. These provisions previously were far-reaching and sometimes held…

Baseball season has begun, hockey is closing in on playoff season, football is just around the corner — and sports betting is now legal in Ohio. It’s the perfect potion to entice some employees to place a bet using company computers. While it might seem harmless to spend a few…

When a business owner dies, many questions arise and the owner’s death is often followed by some level of panic as those left in charge try to determine the answers. Here are answers to some common questions, as well as options for consideration as you turn the page on the…

The hard market continues as we navigate our way through the first half of 2023. What does this mean for your business? In the short-term, it means continued difficulties in procuring coverages and renewals, as well as expensive premiums when you manage to obtain a policy. Despite these current challenges,…

If you’re insuring any type of property this year, it’s going to be tough, especially if you’re in an area that experiences potentially catastrophic events such as multi-cell windstorms and tornadoes. Trends have emerged among those who have already renewed their property and casualty insurance this year and they show…

Purchasing employee health insurance for the average-sized, independent school can be a challenge. Watch as Kurt Meinberg talks about the Independent School Benefits Consortium™ (ISBC) as a solution.  

We’ve all seen it—that person in the car beside us who’s looking down at a phone, eating a cheeseburger, or even applying makeup. This makes most of us very nervous for good reason. In an age when constant contact is expected, texting, monitoring emails and attending virtual meetings have become…

CINCINNATI – April 4, 2023 – Oswald Companies was named to Cincy Magazine’s Best in Cincy Business 2023, Best Property and Casualty Insurance Agency, announced March 23, 2022. The Best in Cincy Business Awards recognizes the many businesses and services that make Cincinnati a great place to do business. Thousands…

Social determinants of health such as poverty, access to health care, education, and race impact the foundation of our community, and we must work collectively toward finding ways to address these issues. Addressing population health and social determinants requires a collaborative effort between government, hospitals, community health care providers and other…

It’s usually not the end of the world when your surety company says “no,” but certainly this is a position you should try to avoid. However, when a surety does surprise you by denying your bond request, there is a disconnect somewhere between the surety, the broker, the client, or…