Insurance That Moves at the Speed of You

Business Insurance

Our dedicated advisors design business insurance solutions based on how your organization actually operates, where it’s exposed, and what keeping it protected really means.

Employee Benefits

We partner with you to craft employee benefits solutions that reflect how your people live, what they truly value, and what keeping them healthy and engaged means for your bottom line.

Risk
Solutions

We dig deeper than the policy and provide proactive risk solutions based on how your business moves, where your vulnerabilities hide, and what total resilience looks like for your future.

Personal
Insurance

OVD provides high-level protection for the life and legacy you’ve worked hard to build. Our advisors partner with you to craft a private client solution around your lifestyle and ensure total peace of mind.

Regulatory Compliance

Our specialists strip away the complexity of the ever-changing legal landscape with compliance strategies centered on your operational requirements, ensuring you stay protected from the unpredictable.

Captive Solutions

We build captive strategies based on how your financials actually flow and what gaining total control over your insurance future means for your organization.

Recent Insights

Healthcare Analytics: Triaging vital data signs

Nearly a decade ago, an article was published with the title,"The world's most valuable resource is no longer oil, but data." That statement feels more relevant than ever now. In healthcare, data can drivebetter outcomes, smarter decisions, and cost savings, but only if we understandwhat it's actually telling us.

Common Construction Site Hazards

Construction is in full swing this time of year and jobsites are getting busier every week. Crews are trying to stay on schedule while multiple different trades work in the same area.

Scaffolding Safety

Scaffolding shows up on almost every job site at some point. It's how crews get to the heights they'd otherwise have no safe way to reach.

When the Renewal Bill Is Too Big for One Company to Carry: A Captive Conversation for HR and Finance

How group captives are giving mid-market employers a third option between fully insured stability and self-funded volatility.

What North Carolina’s Ban on Litigation Funding Means for Trucking Companies

North Carolina has taken a decisive step that could reshape the legal landscape for businesses nationwide. With the passage of House Bill 315, the state became the first in the country to ban third-party litigation investment — a fast-growing practice where outside investors fund lawsuits in exchange for a portion of the outcome.

While this may sound like a niche legal reform, its implications are far-reaching — especially for trucking and transportation companies that have been on the front lines of rising litigation pressure.

Supreme Court Ruling - Freight Brokerages

The U.S. Supreme Court issued a ruling in Montgomery v.Caribe Transport II, LLC that changes the liability landscape for freightbrokers nationwide. Below I’ve outlined the key takeaways and where to focusnext.

OSHA Clarifies Recordkeeping Rules for Injuries Involving Personal Lithium-Ion Batteries

On January 20, 2026, the U.S. Occupational Safety and Health Administration (OSHA) issued a formal interpretation addressing whether injuries caused by personal rechargeable lithium-ion batteries brought into the workplace must be recorded on the OSHA 300 Log. There are several key takeaways listed below:

Toolbox Talks: A Simple Way to Strengthen Safety on Construction Jobsites

Around 90% of companies in the construction industry employ 20 or fewer employees. This can make it very difficult to ensure that employees are receiving the proper safety training, since resources like time and money are often limited. Those tasked with safety compliance usually have other responsibilities, making it hard for them to dedicate the necessary time to safety. However, one easy step that can be taken is the implementation of toolbox talks

How Direct‑to‑Consumer Drug Models Could Impact Employers

The pharmaceutical industry is entering a major transformation driven by two federal pricing reforms: the Inflation Reduction Act (IRA) and new Most Favored Nation (MFN) pricing initiatives signed in 2025. These changes will allow Medicare to negotiate lower prices on many high‑cost medications and tie U.S. drug prices more closely to those in other developed countries. As manufacturers face reduced margins and increasing pressure for price transparency, many are turning to a new strategy: selling medications directly to consumers at cash prices. While this trend is largely aimed at patients, it’s poised to have ripple effects on employer-sponsored health plans.