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Protecting Your Business on the Road: The Importance of Hired and Non-Owned Auto Insurance

Wanda Mondry

Sometimes business just can’t be completed without getting in the car. Chances are your employees use their own vehicles to meet clients, go to the bank, pick up lunch for the office, or make a quick trip to the store for supplies. All make for a smoother workday. But there’s…

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With a Wide Range of Age Demographics in the Workforce, Flexibility is Key to Recruiting, Retaining Employees

There is currently a wide range of ages in the workforce — people with a variety of backgrounds and beliefs — so it can be tough to create a culture that all want to be part of. Thankfully, useful trends are emerging. To compete for employees in 2022, companies had…

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Cybersecurity is a Necessary Journey, Not a Destination

There has been a significant shift in underwriting cyber liability insurance in the past three years, mostly driven by substantial claims. As the cyber liability market begins to stabilize from a pricing standpoint, the scrutiny on cybersecurity controls hasn’t lessened. Underwriting standards continue to increase and evolve along with the…

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Managing Your Health Spend with Claims Data

It’s More Than Just Numbers on a Sheet The clock starts the day your health plan renews, and how you use your claims data throughout the year can have a (positive or negative) financial impact on your next renewal. Data is only as valuable as what you do with it.…

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Seven Reasons Why Having No Exit Plan is Bad for Business

oswaldcompanies

Nearly all (99.9%) of American companies are small businesses, according to a study by the U.S. Chamber of Commerce. Yet many of those small-business owners do not have a plan to exit their companies – even as many of them plan to retire in the next decade. This could lead to…

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Sports Betting on Company Computers is Here: Protect the Firm from Cybercrime

Baseball season has begun, hockey is closing in on playoff season, football is just around the corner — and sports betting is now legal in Ohio. It’s the perfect potion to entice some employees to place a bet using company computers. While it might seem harmless to spend a few…

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Business Succession Planning for Business Owners

oswaldcompanies

When a business owner dies, many questions arise and the owner’s death is often followed by some level of panic as those left in charge try to determine the answers. Here are answers to some common questions, as well as options for consideration as you turn the page on the…

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2023 Spring State of the Market: Tough Times Ahead with Hope on the Horizon

oswaldcompanies

The hard market continues as we navigate our way through the first half of 2023. What does this mean for your business? In the short-term, it means continued difficulties in procuring coverages and renewals, as well as expensive premiums when you manage to obtain a policy. Despite these current challenges,…

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Renewing Your Property & Casualty Insurance will be Tough but not Impossible

Traci Barlage

If you’re insuring any type of property this year, it’s going to be tough, especially if you’re in an area that experiences potentially catastrophic events such as multi-cell windstorms and tornadoes. Trends have emerged among those who have already renewed their property and casualty insurance this year and they show…

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[Video] Independent School Benefits Consortium™ (ISBC)

Kurt Meinberg

Purchasing employee health insurance for the average-sized, independent school can be a challenge. Watch as Kurt Meinberg talks about the Independent School Benefits Consortium™ (ISBC) as a solution.  

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