Aug 25, 2026 What Is Employment Practices Liability Insurance — And When Does It Apply?

An employer follows its handbook, documents a performance problem, and terminates an underperforming employee. Six weeks later, a demand letter...

Aug 19, 2026 E&O Insurance Cost: What Professional Services Firms Should Expect

Two consulting firms of similar size can request identical limits on errors and omissions (E&O) insurance and receive quotes that...

Jul 21, 2026 What Does D&O Insurance Cover for Private Companies?

Ask a private company owner whether they need directors and officers (D&O) coverage, and the answer often comes back the...

Jul 7, 2026 Small-Business Insurance: Building the Right Coverage Stack as You Start and Grow

Most companies don't buy insurance so much as accumulate it: a policy when a landlord demands one, another after a...

Jun 16, 2026 Inland Marine Insurance: Why Tools and Equipment Often Fall Outside Property Coverage

Many business owners invest heavily in tools, equipment, and materials that keep operations running smoothly. However, a common misconception is...

Jun 4, 2026 Crime and Fidelity Insurance: Protecting Businesses From Internal Theft in 2026

Many business leaders spend significant time preparing for cyberattacks, natural disasters, and other external threats. However, some of the most...

May 27, 2026 BOP vs. CPP: Know the Difference To Find the Right Business Coverage

Picking the right structure for your business insurance shouldn't feel like decoding a contract. But between business owner's policies and...

May 13, 2026 Commercial Umbrella Insurance Explained: When Primary Coverage Isn’t Enough

Standard insurance for a small business does a lot of heavy lifting, but it comes with limits — and when...

Apr 27, 2026 Workers’ Compensation Insurance: What Employers Get Wrong About Coverage Requirements

Many business owners assume workers' comp insurance is straightforward, but the reality is more nuanced. Requirements vary by state, worker...

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Oakwood Risk at Work

One of our clients had been purchasing D&O insurance from the same carrier for several years. We looked at their tower and realized that not only was their primary carrier not A+ rated, they were also paying too much for the primary layer. We were able to move the coverage to A+ rated paper and save the client six figures.

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