The U.S. Supreme Court recently made a significant decision that will impact the structuring of buy-sell agreements for closely held companies. If you’re not familiar with such agreements, they are commonly used by business owners to ensure that, when one owner dies, their interest will be sold to the other…

Problem A large health system with 1,200 employees was an existing Oswald client. Like many businesses, they began to see costs rise in their traditional employee benefits health plan. Double-digit stop loss increases Significant high-cost claim activity Higher overall cost of care In addition, the employer struggled with employee retention…

At Oswald, we’re dedicated to nurturing growth and achieving success for our team and valued clients. Discover the key ingredients to our ongoing success.  

Situation A large nonprofit in Cincinnati has been serving the community for more than 50 years. The organization, which serves Greater Cincinnati for addiction services, had two major claims and several smaller claims over the years. The small claims were reported without the organization understanding the impact they would have…

The news has been full of cyberattacks recently and no organization is safe, regardless of its size. Cybercriminals are targeting for-profit and nonprofit organizations, public and private companies, and government entities. Their attacks are also becoming more sophisticated. Earlier this year, the website of the Pennsylvania courts system shut down…

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…

Captive insurance One way to mitigate risk is by joining a captive. Captive insurance enables organizations to take control of their program, reduce costs and maintain a healthy, engaged workforce while spreading risk across a group of employers. Employers can maximize their benefits investment in good years by capturing profit…

Insurance is often an afterthought, until it’s urgently needed. At Oswald, we continuously see risk so you see opportunity.  

Years ago, mergers and acquisitions were sealed with a handshake. Those involved in the deal met in person and technology was in its infancy.   Times have changed. As technology becomes a bigger part of doing business, there are many more risks to be considered when a merger is in the…

Corporate decision makers know it’s important to protect their most valuable assets—their employees and property. Most also recognize the need for other protective coverage such as cybersecurity insurance. However, many organizations simply overlook environmental perils or assume they’re covered. In fact, fewer than 20% of insurance buyers purchase specialized environmental…