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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…

If you have teenagers, or will soon, don’t ever assume … … they’ll never invite friends over when you’re away. Or that their friends will never bring alcohol into your home. Teens thrive on friendships and weekend parties, but long gone are the days when teens planned those parties during…

If you are professionally successful, financially comfortable, own a nice home in an “upscale” zip code, there’s a growing threat you could become the target of a high-stakes lawsuit … simply because of your status. That’s the conclusion of a recent national survey sponsored by ACE Private Risk Services among…

Cleveland – April 17, 2013 – Oswald Companies, one of the largest independently-owned insurance brokerage and consulting firms in the U.S., has been named a 2013 recipient of the Crain’s Health Care Heroes Awards in the Wellness Category. As a full service, employee-owned insurance brokerage and consulting firm headquartered in…

With every paradigm shift, disruptions occur. We are in the midst of employee benefit landscape changes so vast that they rival the passage of ERISA in 1974. Simultaneous with PPACA provisions that affect employers (the tip of the iceberg), there is a massive restructuring of the U.S. healthcare system (the…

Controlling the cost of claims is one of the pillars of our service. Our “edge” is our ability to prepare the claim properly for presentation to the carrier.  Understanding exactly what your policy coverage will respond to is most important at a time of loss.  You have paid the premium…

Oswald continues to expand its benefits practice CLEVELAND – Feb. 25, 2013 – Oswald Companies – one of the largest independently owned insurance brokerages in the U.S. – has announced the acquisition of Knezevich & Foerster, LLC., a local firm specializing in group benefits insurance. The acquisition is in direct…

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…