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…

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…

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…

We’re excited to be in Tampa on Thursday, Feb. 28, hosting a global benefits panel discussion with HR Tampa, Tampa’s Society for Human Resource Management (SHRM) chapter. Our panelists are based in Paris, Rome and Toronto and are experts in European, North African and Canadian employee benefits. The benefits landscape…

Life Sciences companies frequently fail to enter formal contractual agreements with their suppliers, and instead rely on insufficient purchase orders or contracts that don’t provide enough detail. Here are some pitfalls: i)        Purchase orders are one-sided and typically don’t require the supplier to indemnify or carry appropriate insurance. ii)       Is…

I am pleased to announce that I will be representing Oswald by discussing my knowledge and insight on life insurance and financial specialties on the nationally syndicated radio show, Straight Talk Wealth. The program can be heard in the Cleveland-Akron area on WHK (1420 AM) every Sunday from 3–4 pm. …

Every day, mergers and acquisitions are making headlines across the globe. These transactions, which bring smaller companies together to make a bigger one that can rapidly grow in its sector, are a big part of many companies’ growth strategies. They also can play a big role in those companies’ future…