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Trusts, limited liability companies, and holding companies are often associated with estate planning or tax efficiency. In practice, these structures also play an important role in personal and organizational risk management.  Rather than serving as administrative or legal formalities, they are frequently used to help reduce exposure, contain liability and limit the…

For years, employers have taken a blanket approach to health coverage—renew each year, review rates, and make incremental adjustments. But in today’s fragmented and fast-changing healthcare environment, that strategy simply isn’t enough. Medical costs continue to rise. Chronic conditions are more prevalent. Risk is becoming harder to predict. Still, many…

Large jury awards, or “nuclear verdicts,” are no longer rare, headline-making events. Multi-million — and even billion-dollar — verdicts are becoming increasingly common in commercial litigation — and a growing concern for many businesses. Without adequate liability and umbrella coverage, companies may be forced to pay substantial costs out of…

CLEVELAND, June 2026 – Oswald Companies, a Unison Risk Advisors company, has been named among the 2026 Top Workplaces in Northeast Ohio by The Plain Dealer/Cleveland.com. The annual recognition highlights organizations that earn strong marks from employees through an independent survey measuring workplace culture, engagement and leadership. This year marks…

Cyber risk is no longer just a business concern. Individuals and families are frequent targets for account takeovers, identity theft, wire fraud and social engineering scams. At Unison, we encourage clients to think about personal cybersecurity as part of everyday risk management, not a one-time task. Start With the Accounts…

Pharmacy is one of the biggest drivers of employer healthcare costs today. It is also one of the most complex.   What used to be a relatively predictable aspect of health spending has evolved into a rapidly shifting landscape, accelerated by rising specialty and high-cost drug utilization, opaque pharmacy benefit manager (PBM) contracts and rebate…

In today’s ever-changing world, preparing for work-related travel involves much more than booking flights and hotels. The international travel risk landscape is constantly evolving. The growing threats of geopolitical unrest, terrorism, and health and environmental emergencies create significant risk that can jeopardize employee safety and disrupt business operations.   Organizations have a legal and moral responsibility to protect their employees’ physical and mental health wherever they conduct…

Choosing between a single family office, or SFO, and a multi family office, or MFO, is not simply a question of cost or investment strategy. It is a risk management decision. Single family offices provide a high degree of control and customization, which can be well suited for families with…

Oswald Companies is pleased to welcome Pittsburgh‑area business leaders to the second session of our 2026 First Light Forum executive series, Managing Workforce Risk: From Hire to Exit. This program continues our focus on timely workforce and employment risk topics shaping employer decision‑making in 2026. Hosted by Oswald Companies in…

After a prolonged period of rising premiums and tighter underwriting, the commercial real estate insurance market is beginning to show signs of stabilization. Following several years in a hard market cycle, many organizations are seeing insurance premium reductions, increased underwriting flexibility, more favorable terms and broader policy options across a…