Grand Rapids, Michigan

37 Ottawa Ave NW, Suite 400 
Grand Rapids, MI 49503

In a region built on manufacturing and entrepreneurial spirit, we provide the specialized oversight needed to navigate complex risks without the corporate red tape. Who you partner with matters, and we’re here to sit on your side of the table and ensure your strategy is as resilient as the community we call home.

Service of Interest
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

A Different Kind of Insurance Partner

For more than 40 years, we’ve helped clients navigate complex risks with bold solutions and custom coverage built around their specific goals.

“OVD gives me complete peace of mind that my business is in great hands.”
Client Since 2019

Offices

Grand Rapids, MI
37 Ottawa Ave NW, Suite 400
Grand Rapids, MI 49503
Pittsburgh, PA
101 Bradford Road, Suite 305
Wexford, PA 15090
Raleigh, NC
4000 Center At North Hills, Suite 470
Raleigh, NC 27609

Recent Insights

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.

OVD Shareholder Announcement

OVD is thrilled to announce the addition of four new shareholders: Jordan Shillinger, Kyle Teeples, Sean Teeples, and Steve Binnig as well as expanded positions for current shareholders Jonathan Broyles, Rebekah Van Beek, and Will Collins

Construction First Aid Kits

The construction industry has one of the highest injury and fatality rates of any industry. This is one of the reasons that construction sites are legally required to have a well-stocked first aid kit on hand. However, the standards can be vague and don’t always give specific guidance on what should be in the kit. Below, we’ve broken down both the standards governing these kits, and the meaning behind the classification and type, to help provide some clarity on an issue that every construction company deals with.