Making the right enrollment decision is important – and employees only have one chance per year. What is Open Enrollment? Once a year – during open enrollment, employees can sign on to health insurance, make changes to their health insurance or stop their health insurance plan. The only other time…

Supply chain limitations, cost management uncertainty and ever-changing interest rates face the construction industry every day. Those in the industry, from financiers, risk managers to project owners, must anticipate what may lie ahead. They also need to consider new strategies to mitigate risks tomorrow or in the future.

For any business that needs surety bonds, it is wise to find an experienced surety broker to help you navigate the industry and find the right surety company to partner with. When you enter into a surety bond relationship, you are essentially entering into two important relationships, one with your…

Today’s employers need to understand family forming benefits. This need grows more pressing by the day as attracting and retaining employees is more difficult than ever. Family forming benefits should be a part of a greater risk management strategy. As subject matter advisors with leading, specialized partners, Oswald Companies will…

You likely have insurance for your corporation in the event a lawsuit arises, but what about coverage for your C-suite employees and/or executive leadership? If your company faces litigation, there is a good chance your top executives will face legal action as well. If you’ve ever heard of the “corporate…

Oswald Companies was a featured contributor in the Crain’s Cleveland Thought Leadership Forum: Employee Benefits, May 2022. In the article titled “ICHRAs continue to serve many with individualized insurance options,” Frank Spinelli, Managing Director, UROne Benefits®, discusses how Individual Coverage Health Reimbursement Arrangement (ICHRA) can be mutually beneficial to both…

Did you ever wonder why your insurance broker asks—or should be asking—for so much information during the policy purchase process? It’s not that we’re nosy or want to make you jump through hoops. It’s because the more information you share and the more proactive you are, the more we can…

Life insurance, given that it could provide tens of millions of dollars tax-free at someone’s death, should warrant the same consideration and attention as any high-value asset. As such, financing the premiums for a large acquisition of life insurance should be considered. Many families use life insurance as an asset…

In March 2020, when we were first made aware of the threat of COVID-19 and were told to stay home, most of us thought we would be there for a couple of weeks and things would be back to normal. Instead, a couple of weeks turned into a couple of…

Insurance for yourself or your business is typically one of the last things that most individuals want to spend time or money on. However, we all know it is necessary, especially in these uncertain times. The world of insurance continues to evolve, where emerging risks bring new challenges. These evolving…