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Cyber risk is not standing still and neither are the tactics behind it. Recent Oswald and URA cyber content points to a threat environment shaped less by flashy malware and more by deception, impersonation and pressure applied through everyday business workflows. For law firms, that shift matters because operational disruption is only…

Protecting your personal information is critical to preventing identity theft. That may sound simple in theory, but the reality is that safeguarding your personal data in an ever-evolving digital landscape is rather complex.   The rise of artificial intelligence (AI) has created a sophisticated cyber threat landscape. Deepfake technology and social engineering tactics allow cybercriminals to launch personalized attacks that look and feel credible. Determining whether a message is legitimate or a scam has become…

Mergers and acquisitions can create new opportunities for growth, but they also introduce layers of financial and operational risk that may not be fully visible at closing. In any M&A transaction, buyers rely on representations and warranties provided by the seller to evaluate the business. These statements cover areas such as…

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…

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 complex operating businesses,…