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Grandma might have had the answer all along. You’ve probably heard the old adage “the straw stirs the drink.” For most health insurance plans, the proverbial straw is a handful of claimants who are responsible for 70-80% of all claim costs. A significant portion of those claims are the result…

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.…

Did you know that today is #NationalInsuranceAwarenessDay? We want to thank our clients for the opportunity to help protect the people and things most important to them. Risk and insurance needs continually evolve; it’s critical that your policies keep up with these changes and are regularly reviewed. Please check out…

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 use those chemicals likely will be held accountable by insurance companies. They’re called PFAS, a group of thousands of perfluoroalkyl and polyfluoroalkyl substances.…

In most health insurance programs, a small percentage of the plan members account for a significant percentage of the claim payments. In the past, employers focused on population health management or wellness programs to improve the overall health of their employees and their families with the goal of lowering costs.…

The judiciary requires a surety bond to help protect property or money. Some of the most common surety bonds include: Appeal Bonds (or Supersedeas Bonds) stop judgment enforcements and guarantee payment when appeals are lost. Attachment Bonds (or Replevin Bonds) help seize the defendant’s property, which plaintiffs can later sell or transfer.…

Flooding events cause billions in damage each year and can occur anywhere. While most consumers do not believe they will be affected, 99% of the counties in America were impacted by flooding between 1996 and 2019, according to the Federal Emergency Management Agency. A flood is caused by mother nature…

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…

PFAS (perfluoroalkyl and polyfluoroalkyl) are a group of man-made chemicals that have been widely used in industries and consumer products for decades. There are more than 9,000 of these substances that can accumulate in the environment and in the human body, leading to potential health concerns. PFAS chemicals have been…

The architecture and engineering landscape is constantly evolving. Whether you’re charged with keeping up with legislative changes on the local, state and national levels or staying abreast of the latest trends in the market, we understand you have a lot on your plate. Oswald Companies is here for you. Our…