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The commercial insurance market is increasingly divided. Some lines are offering meaningful relief, while others continue to face rising costs driven by claim severity and litigation trends. More than ever, results depend on each organization’s industry, exposures and overall risk profile. Knowing where conditions are working in your favor can…

Medicare’s Annual Enrollment Period is almost here. From Oct. 15 to Dec. 7, Medicare beneficiaries will have the opportunity to change their health plans and prescription drug coverage for 2027.    While you may be satisfied with your existing coverage, every year brings new changes to Medicare. Evaluating your options annually…

Building a stronger defense: Why construction companies need cyber insurance Between worker injuries, equipment damage, project delays and subcontractor issues, construction companies are used to managing risk. However, one of the industry’s fastest-growing risks doesn’t necessarily happen on the jobsite.  As construction companies increasingly rely on technology to manage projects, communicate…

Pharmacy benefits have rapidly become one of the costliest and least predictable aspects of managing a healthcare budget.   Rising specialty and high-cost drug utilization, opaque pharmacy benefit manager (PBM) contract and rebate structures, and intensifying regulatory and market pressures have created a complex pharmacy landscape. For plan sponsors, navigating this…

Cyber incidents continue to evolve in frequency, severity, and complexity. From ransomware attacks and business email compromise to privacy litigation and third-party liability claims, organizations face significant financial, operational and reputational challenges when a cyber event occurs. Understanding how cyber insurance responds, where coverage limitations may exist and the steps organizations…

Special Message from Robert Klonk, Chairman and Chief Executive Officer, Oswald Companies It is with profound sadness to share the news that Jim Pender, former Chairman & CEO of Oswald Companies, passed away Sept. 4, 2026. For many of us, Jim was far more than a leader. As the grandson of…

CLEVELAND – Sept. 10, 2026 – Oswald Companies, a Unison Risk Advisors company, is pleased to announce it has been named to the 2026 Best Places to Work in Insurance program by Business Insurance and Best Companies Group. This national program recognizes employers in the insurance industry for their performance…

For individuals and family offices, insurance is often viewed as a necessary cost that helps protect wealth, assets, and long‑term plans. It is natural, then, for principals and executives to ask a reasonable question: why do premiums remain high in years when claims are minimal or nonexistent?  The answer lies not only…

A Market Moving in Two Directions  Insurance conditions for real estate developers are no longer moving in lockstep. Instead, many developers are encountering a two‑speed market. Property insurance is showing signs of moderation for well‑managed commercial assets, while general liability, umbrella and professional liability continue to tighten.  For commercial real estate developers, this divergence matters. Programs…

Many employers spend a lot of time focusing on healthcare costs, pharmacy benefits, and retirement plans while not putting as much strategic thought into their paid leave programs. Yet changing employee expectations and evolving legislation are turning paid leave into an increasingly important part of a competitive benefits strategy.  Roughly half of U.S. workers who quit a job in 2021 cited childcare issues, a…