Health and Life

• Life Insurance
  With a focus on protection, savings and long-term growth, our comprehensive life insurance services take a holistic approach to savings, family protection, wealth transfer and executive compensation solutions. They are designed to safeguard both business and personal interests and deliver first class customer service from a deep bench of professionals to help you at each stage.
• Health Insurance
  As one of the top benefits brokers in the U.S., we accomplish this by providing quality service to our clients, building relationships with top carriers and focusing on how health insurance works with your big picture employee benefits and health management offerings.
• Disability Insurance
  Qualified retirement plans, group term life and group disability insurance plans are normally structured to provide the same benefit formula across the board for all covered employees. This results in reverse discrimination against highly paid executives due to benefit and contribution caps.
• Long Term Care
• Dental Insurance
  Employees are potentially more important than your equipment and facilities for a successful business. Attracting and retaining those employees may include offering benefits such as group medical and dental insurance. There are other available options that may be a better fit for your operation, including an Individual Coverage Health Reimbursement Arrangement (ICHRA) or a variety of Voluntary Benefits like disability or critical illness, which can be structured at no additional cost to the employer.

Business

• Workers Compensation Insurance
  Construction projects all carry an inherent risk of injury for employees. To help cover medical and rehabilitation costs, and potentially lost wages, most states will require a workers compensation insurance policy. However, every state is different. Oswald’s construction advisors will work to fill all gaps in coverage.
• Professional Liability Insurance
  Our Architects and Engineers Professional Liability Practice is managed by the experienced team at Oswald. We serve the needs of architects, engineers, construction managers and general contractors throughout the year – not just when it’s time to renew your coverage.
• Builders Risk Insurance
  Should a physical loss of equipment, materials or fixtures occur over the course of construction or renovation, Oswald’s risk management advisors will tailor a policy for your construction project. Coverage like this is often required to meet government regulations or can be a factor in conditions for banking or surety bond conditions.

Personal

• Liability Insurance