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Surety Bonds – A Necessary Evil (Sometimes)

Mark Rader

We might as well admit that many companies look at surety bonds as a “necessary evil.”  This is because it’s a product that usually requires a personal guarantee, and may also impede a business owner from success if bonds cannot be obtained under reasonable terms and conditions. On the flip…

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Successful Outcomes of Employing Enterprise Risk Management (ERM)

oswaldcompanies

It is important to align an organization’s appetite for risk and strategic initiatives.  Incorporating risk planning into your company’s overall strategic plan allows it to react quickly and more efficiently in creating solutions to problems. C-Suite level executives do not like surprises.  ERM reduces the likelihood of surprises and unfunded…

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Everything You Want to Know About Your Global Benefits

oswaldcompanies

We’re excited to be in Tampa on Thursday, Feb. 28, hosting a global benefits panel discussion with HR Tampa, Tampa’s Society for Human Resource Management (SHRM) chapter. Our panelists are based in Paris, Rome and Toronto and are experts in European, North African and Canadian employee benefits. The benefits landscape…

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The Bonding Relationship

Mark Rader

You need to have at least one good bonding relationship, and that relationship should be with your surety broker.  A good surety broker can effectively guide you through what could otherwise be an unwieldy and confusing process. For companies where bonding is critical, you may also want your broker to…

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How Are You Managing Contractual Liability Exposures?

oswaldcompanies

Life Sciences companies frequently fail to enter formal contractual agreements with their suppliers, and instead rely on insufficient purchase orders or contracts that don’t provide enough detail. Here are some pitfalls: i)        Purchase orders are one-sided and typically don’t require the supplier to indemnify or carry appropriate insurance. ii)       Is…

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The First Rule of Bonding

Mark Rader

Without the right surety broker, you are rolling the “bonding dice.”  Worse yet, some people don’t know they are essentially gambling when it comes to their company’s surety bond needs.  Surety bonds are a very specialized non-insurance credit product, and a relatively small niche segment of the entire insurance industry.…

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Surety Bonds for the Legal Profession

Mark Rader

On occasion, the client of an attorney will need a surety bond, and these bonds are placed by surety brokers.  We refer to these as Court, Fiduciary and Probate Bonds, which are required by various courts in our judicial system.  These bonds are used to protect either property or money. …

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How to Select a Surety Broker

Mark Rader

For any business that needs surety bonds, it is wise to find an experienced surety broker (an individual) to help you navigate the industry and find the right surety company to partner with. When you enter into a surety bond relationship, you are essentially entering into two important relationships, one…

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Oswald Featured On National Investment Advice Radio Show

David Orloff

I am pleased to announce that I will be representing Oswald by discussing my knowledge and insight on life insurance and financial specialties on the nationally syndicated radio show, Straight Talk Wealth. Photo courtesy of Straight Talk Wealth Radio The program can be heard in the Cleveland-Akron area on WHK…

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Let’s Make a Deal: Reduce Investment Risk to Maximize Potential Rewards with Mergers and Acquisitions

Jeffrey Schwab

Every day, mergers and acquisitions are making headlines across the globe. These transactions, which bring smaller companies together to make a bigger one that can rapidly grow in its sector, are a big part of many companies’ growth strategies. They also can play a big role in those companies’ future…

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