Corporate decision makers know it’s important to protect their most valuable assets—their employees and property. Most also recognize the need for other protective coverage such as cybersecurity insurance. However, many organizations simply overlook environmental perils or assume they’re covered. In fact, fewer than 20% of insurance buyers purchase specialized environmental…
Read MoreMany of the most desirable towns and city neighborhoods are centered around a cherished historic district marked by charming older homes and buildings with architectural significance. If you’re lucky enough to live in one of these historic homes, properly insuring your investment is imperative. You didn’t choose a cookie-cutter house,…
Read MoreHeat stress results in dozens of fatalities and thousands of illnesses each year for workers in hot and humid environments. Although OSHA’s heat stress campaign dates back to 2011, the National Emphasis Program that went into effect in 2022 places heat stress near the top of OSHA’s enforcement list. If…
Read MoreActive assailant events can happen anywhere – schools, businesses of all types, and even on a sunny, seaside boardwalk crowded with tourists, which happened in Hollywood, Fla., on May 29. Such attacks come in many forms and can involve weapons such as guns, explosive devices and vehicles. David Hosier, senior…
Read MoreAs nonprofits face an increasing amount of need by those they serve, they can also look forward to a host of potential pitfalls on the back end. Nonprofits should keep an eye open to several trends that could impact operations by boosting their exposure to risk. Potential Property Pitfalls The…
Read MoreUnfortunately, gun violence in workplaces of all kinds, schools and public spaces are becoming more prevalent and more violent in the United States. How you respond may make all the difference and the rule is simple: Run, Hide, Fight. Oswald Companies hosted the second in a three-part series on active…
Read MoreQualified 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…
Read MoreInsurance requirements for administering employee plan benefits confuse many fiduciaries and retirement plan officials. While an ERISA or fidelity bond is required by law, fiduciary liability insurance can also be helpful. So, what’s the difference? Purpose: An ERISA bond policy protects an employer-sponsored retirement plan from dishonesty or fraud, such as…
Read MoreActive assailant events are becoming more frequent and they’re causing more injuries and casualties than ever before. They’re happening in schools, public spaces and workplaces of all types. This alarming trend prompted Oswald to host a three-part webinar series on prevention, response and recovery. The first webinar took place on…
Read MoreSometimes business just can’t be completed without getting in the car. Chances are your employees use their own vehicles to meet clients, go to the bank, pick up lunch for the office, or make a quick trip to the store for supplies. All make for a smoother workday. But there’s…
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