Across the country, jury awards exceeding $10 million, often called nuclear verdicts, are becoming more common. These outcomes can reshape a business’s financial future, but they also impact the people behind the organization: employees, families, customers, and the communities they serve.

At Taylor Oswald, we believe risk management isn’t just about protecting assets. It’s about protecting the people who rely on your business every day. Our role is to help you navigate an increasingly complex liability environment with clarity, confidence, and a partner who understands your purpose.

What Is a Nuclear Verdict, and Why Are They Increasing?

A nuclear verdict is typically defined as a jury award exceeding $10 million. These cases often involve catastrophic injuries, wrongful death, product liability, or allegations of negligence.

Several trends are contributing to their rise, including shifting public attitudes toward corporations, increased litigation funding, emotionally-driven trial strategies, and higher projected medical costs.

For many organizations, especially those growing quickly or serving diverse communities, these trends can feel overwhelming. That’s where proactive, people‑centered risk management becomes essential.

Five Ways Taylor Oswald Helps You Reduce Exposure and Strengthens Your Organization

1. Building a Culture of Care and Accountability

Safety isn’t just a compliance requirement; it’s a reflection of how you care for your team and your community.

We help organizations create training programs, documentation practices, and accountability systems that demonstrate a genuine commitment to safety – not just on paper, but in everyday operations.

2. Using Technology to Protect Drivers and Communities

Commercial auto claims are a major driver of nuclear verdicts.

We work with clients to implement tools like telematics, dashcams, and monitoring systems that improve driver safety, reduce risk, and provide clear documentation if an incident occurs. These tools don’t just protect your business – they protect the people your vehicles encounter every day.

3. Conducting Ongoing Loss‑Control Reviews

Risk evolves as your business evolves.

Our advisors partner with you to regularly review operations, identify gaps, and strengthen safety protocols. Even small improvements – better documentation, updated procedures, or hazard mitigation – can make a meaningful difference.

4. Strengthening Contracts and Risk‑Transfer Strategies

Clear, well‑structured contracts help ensure that responsibility is shared appropriately.

We collaborate with your team to review vendor agreements, supplier contracts, and customer relationships to make sure risk is transferred correctly and insurance requirements are aligned.

5. Reviewing Coverage to Close Gaps Before They Become Problems

Insurance is a critical part of your protection strategy, but only when it reflects your real‑world exposure.

We help you evaluate liability, umbrella, and excess coverage to ensure limits match your current operations -especially if you’re expanding, adding vehicles, or introducing new services.

A Partnership Rooted in Community and Confidence

Nuclear verdicts aren’t going away, but you don’t have to navigate this environment alone.

Taylor Oswald is committed to supporting organizations of all sizes – including minority‑owned, emerging, and community‑focused businesses – with guidance that’s personal, proactive, and grounded in trust.

Risk management isn’t just about preventing losses. It’s about strengthening your foundation so your business, your people, and your community can thrive for years to come.