A growing category of complex health conditions is contributing to high-cost claims, alongside established drivers such as cardiovascular disease and cancer. Musculoskeletal disorders (MSK), conditions that affect muscles, bones, tendons, joints, ligaments, cartilage and spinal discs, have become increasingly common, affecting 127.4 million people in the U.S., research shows. The…
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CLEVELAND – September 25, 2025 – Oswald Companies, a Unison Risk Advisors Company, has announced the acquisition of Hotaling & Associates Agency, Inc., an independent insurance agency based in Brecksville, Ohio. Hotaling & Associates Agency, Inc., established in 1986 by Robert Hotaling, provides consultative and personalized service on medium-to-large property…
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A private equity-backed manufacturing client needed to explore alternatives to traditional group medical plans after seeing a steep renewal increase for the upcoming plan year. The company, an Oswald client since October 2023, was facing a 45% increase, which would have increased costs by $170,000 annually. The company, which had…
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As business owners and executives approach their health benefits renewal period, there is no escape from the uncertainty in the health insurance market. Several of the largest insurers in the U.S. have withdrawn or reduced their earnings guidance for 2025 after underestimating trends in medical care. Given the unpredictability in…
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CLEVELAND – Sept. 4, 2025 – Oswald, a Unison Risk Advisors Company, today announced it has been named in the 2025 Best Places to Work in Insurance program, which recognizes employers for their outstanding performance in establishing workplaces where employees can thrive, enjoy their work and help their companies grow. “As an…
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Smoke alarms play a crucial role in safeguarding our homes and workplaces. Around 60% of fire-related fatalities occur in homes with either no smoke alarms or no working smoke alarms present. Their importance is the focus of this year’s Fire Prevention Week, observed Oct. 6-12, “Smoke Alarms: Make Them Work…
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It is no secret that the U.S. spends an astonishing amount on medical care. In 2023, the average health spend per person in the U.S. was $13,432, which was $3,700 more than the average spend in other similar countries, according to the KFF-Peterson Health System Tracker. The problems facing the…
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In 2022, a child’s life was saved simply because a door was shut when a fire broke out, giving rescue teams time to reach him. Closed doors block fire and smoke and can stop the flow of oxygen, which fuels a fire. For those reasons, maintaining fire doors to keep…
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Nonprofits are the heart of our communities, and today we celebrate their incredible work. At Oswald, we’re committed to our community and giving back. We serve to inspire, and we have a shared commitment to continually lead, share and grow. We know that by strengthening communities we create opportunities for…
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The next big disruptor in health and wellness may not be a new drug, but rather, a smarter version of one. Biosimilars are reshaping the way we think about cost, access and innovation in medicine. Biosimilars are medications that are highly similar to biologic drugs that have been approved by…
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