Unison Risk Advisors, Inc.

Unison Risk Advisors, Inc. (URA) is a privately held and majority employee-owned insurance brokerage and risk management firm, established in 2020 through the strategic merger of Oswald Companies (founded in 1893) and RCM&D (founded in 1888). Headquartered in Cleveland, Ohio, URA operates as a platform of independent firms, delivering tailored risk management and insurance brokerage solutions to corporate and individual clients across diverse industries, including construction, education, healthcare, hospitality, professional services, and real estate. The firm emphasizes an independent brokerage model, prioritizing client-centric service and employee ownership to foster accountability and long-term growth. URA ranks among the top 40 largest insurance brokerages and top five independently owned firms in the United States, serving clients in all 50 states and over 85 countries. Its platform includes five operating companies - Oswald Companies, RCM&D, NSI Insurance Group, Enders Insurance, and Avondale Insurance Associates, with additional subsidiaries and sub-brands. The firm has grown through strategic acquisitions and partnerships, with a focus on maintaining the independence of its partner firms while leveraging shared resources and technology. Business/Product Breakdown: Services and Solutions: Unison Risk Advisors provides a comprehensive suite of insurance and risk management services, including commercial property and casualty insurance, employee benefits, health insurance, personal and life insurance, and retirement plan services. The firm designs tailored strategies to minimize risks, optimize insurance coverage, and create cost-effective benefit programs. URA's approach involves identifying and forecasting risks to support clients' risk management and property/casualty needs, while its employee benefits plans focus on employee health and wellness alongside cost minimization. The firm also offers retirement plan advisory services to foster employee financial security and organizational success, as well as risk mitigation solutions to protect against coverage denials and optimize claim payouts. Through its non-retail division, notably Avondale Insurance Associates, URA provides excess and surplus lines underwriting management for property and general liability insurance, serving wholesale brokers and representing leading specialty insurers globally. URA's Healthcare Captive program enables companies of varying sizes to pool resources for self-funded health plans, covering predictable claims while insuring catastrophic events. The firm's services are supported by advanced technology and data analytics, with a commitment to maintaining the independence of its partner firms while enhancing their market access and specialty solutions.