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Media Center

Tightening Your Financial Belt? Tips for Managing Your Personal Insurance

Kimberly Lucarelli

With an increasingly unpredictable economy, the topic of reducing the cost of home and auto policies is front and center.   Of course, it’s never prudent to cancel your home or car insurance poli­cies or let them lapse. That is not only risky, it could invite trouble.   However, by…

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Will COBRA Survive the PPACA?

oswaldcompanies

With all of the constant incoming news on the accessibility of the insurance exchanges, many questions have surfaced. Will they (or won’t they) be ready? What will the costs be? What will the plans look like? It has stirred some debate among HR professionals as to whether this will serve…

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Health Care Exchanges: Avoiding the Pitfalls in Employee Communications

oswaldcompanies

Earlier this month, the State of Ohio Department of Insurance released information on the pricing of the proposed rates for the 14 companies that have filed for the 2014 Federal Exchange in Ohio. It states that “insurers expect the cost to cover health care expenses for consumers will significantly increase.”…

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Bonding for Construction Companies

Mark Rader

For construction companies, it is important to have a Surety Broker representing you with the various insurance carriers that write bonds. Most companies can get more bonding capacity by working with someone who knows the business very well. Knowledgeable surety brokers and surety company representatives allow you to learn valuable…

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EEOC and Genetic Discrimination: Employers Take Note

oswaldcompanies

While it has received little press to this point, it is important to note that the Strategic Enforcement Plan that the U.S. Equal Opportunity Commission (EEOC) approved on December 17, 2012, will have an effect on how you conduct business. Why is this important news today? Results of this ‘plan’…

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User Risks Suggest Social Media Is Not So “Friend-ly”

Kimberly Lucarelli

Would you give a complete stranger the keys to your home or office? Probably not.   Yet that’s exactly what occurs when you or a family member log onto a social media site like Facebook, or one of the popular “check-in” sites, without taking adequate steps to guard your privacy.…

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Cyber Attacks and Liability: An International Threat

Kim Ferenchak

The Internet has fundamentally changed the cyber liability landscape in that it is both global and borderless.   According to the Verizon 2013 Data Breach Investigation Report, 38% of security breaches hit larger organizations with 20% involving the manufacturing and transportation industries. The report cited that most breaches involve “stolen…

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Should I Change Bonding Agents?

Mark Rader

Surety agents & brokers (same thing) come in all sizes and shapes. What this really means is that the experience and ability of your surety broker is going to be a result of their surety background, experience, and intelligence. Not all surety brokers are the same, just as all financial…

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Onsite Health Clinics: Exploring the Advantages

oswaldcompanies

Onsite Health Clinics are not just for the jumbo employers any more. Anticipating shortages in primary care, and frustrated with the cost and quality of care available, companies of all sizes are taking primary care in-house. Employers are also expanding the scope of their clinic services, finding many ways to…

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What is a Surety Bond?

Mark Rader

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.…

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