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Approach Could Save Employers Money Medical treatments are moving away from the one-size-fits-all approach to personalize illness prevention and treatment. Implementing this strategy improves the member experience and can help save employees and employers money on their health care spend. Precision medicine considers the unique differences in a person’s genetic…

A common set of chemicals that appear in our drinking water, food and many consumer products is emerging as the latest threat in insurance. And companies that allow those chemicals to be used in their products likely will be held accountable by insurance companies. Though a national standard has been…

The Greater Cincinnati market is changing rapidly as a result of organic and acquisition growth. Many of our locally headquartered companies (Kroger, Community First Solutions, Heartland Bank) have become increasingly acquisitive in recent years and the area is primed for many more transactions to come. Whether you are already involved…

Employers with fewer than 100 eligible employees have often avoided self-funding their group health insurance programs because they’ve been afraid of the risk. However, with the rising costs of employee health benefits, many employers are turning to self-funding to get control of spending. There are four main components of any…

Oswald Companies was named number one again in the 2024 Best Places to Work overall and in the large business category by Crain’s Detroit Business. This is the fourth time in the seven years that Oswald has entered the contest that it has gained top billing. Oswald placed high in…

Our team’s diverse talents and passion for excellence make us unique. We build our teams across generations of experience, with diverse backgrounds and specialized skills, to put the best minds at the table to work for you and see risks from all angles.  

Disaster strikes. A design flaw becomes apparent during construction administration. Tempers flare between a design professional on the project and the project owner. Exasperated over the prospect of rework, a pushed-back schedule, and general disruption to project progress, the project owner files a claim against the design professional with a…

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…

Every business has its bad days and problems to solve, so make sure you have the right coverage to protect your business when common issues arise. Manufacturer Errors & Omissions This covers a manufacturing mistake or negligent service that results in a third-party financial loss without bodily injury or property…

There’s a significant amount of risk involved in any construction project, so all builders should be prepared in case of an accident on the job. It will make the process of making a claim on your insurance easier, more efficient and, hopefully, put the odds in your favor. Claims Treat…