SECURE YOUR SUCCESS
Getting out in front of risk has its rewards.
Achieving success is one thing. Securing it is another. At Marshall+Sterling, we’re driven to help you reach your business and lifestyle goals—and protect them as the future unfolds.
What We Do
Minimize risk.
Maximize success.
Marshall+Sterling is an independent agency focused on protecting clients with customized business insurance, employee benefits, personal insurance, equine insurance, and wealth management services.
Business Insurance
The world is full of uncertainty. Marshall+Sterling’s business insurance and risk management experts customize plans to help safeguard your business.
Employee Health and Benefits
Marshall+Sterling’s employee benefits experts design and implement compliant benefits programs to fit your business’s needs, culture, and strategic plan.
Personal Insurance
Whether for your home, auto, recreational vehicles, or life and health, we have solutions to protect you from whatever life throws your way.
Retirement and Wealth
Dedicated to simplifying the complexities of the financial world and supporting you in achieving and protecting what matters most.
Equine Insurance
Our Equine Division specializes in personalized plans that encompass a full range of equine, farm, and ranch insurance coverage.
Why Marshall+Sterling?
Experience
Marshall+Sterling has 160 years of experience working across a range of industries.
People
You are supported by a dedicated team of risk protection and claims experts.
Process
Our customer-focused planning is based on your unique needs and risk tolerance.
Tools
We use state of the art analytics and predictive modeling to glean actionable insights.
Culture
Marshall+Sterling is employee-owned, which means we’re invested in your success.
“There is a great team oriented feeling, but at the same time I am given the independence and leeway that makes me feel like the owner of my own business.”
Matt Cronin, Sales Management
Careers
Join our growing team.
We’re creating a culture where creative, motivated, and caring people come together to build something meaningful. Build your career at one of the largest employee-owned independent agencies in the nation.
Explore our latest insights.
-
When a Claim Goes Quiet: Why Claims Advocacy Is a Business Decision
“We had a claim and nobody told us anything.” It’s one of the most damaging patterns in construction insurance — not because the accident happened, but because of what happens to your insurance after an incident is reported and no one stays engaged. Key Takeaways What “Going Quiet” Actually Costs A claim that’s reported and…
-
What Telematics Data Does to Your Insurance Premium
By Stephen Kalmus, TRIP, CPIA, CLCS, VP & Sr. Sales Executive at Marshall+Sterling Telematics, which can refer to GPS tracking, dash cam footage, and driver behavior monitoring, started as an operations tool. Fleet managers used it to optimize routes, reduce fuel costs, and monitor driver performance. Today, it’s one of the most powerful levers you…
-
A $48 Million Settlement, and What It Means for a Plan a Fraction of the Size
On July 31, the parties in a six-year-old lawsuit over a company retirement plan asked a federal court to approve a $48 million settlement. The plan in question held roughly $4.4 billion in assets and covered more than 114,000 participants. The company is ADP, the payroll and human resources provider. The case is Berkelhammer et…
-
Why Your Experience Mod Keeps Climbing (And What Actually Moves It)
Most contractors treat their experience modification factor as something that happens to them at renewal. But it’s actually one of the most controllable numbers in your total cost of risk, and most brokers never show you the math that proves it. More and more, owners and general contractors are using the experience mod as a…
-
What Is a SAFER Score and Why Does Your Broker Need to Know It?
By Brian Seigerman, TRIP, CPIA, VP & Sr. Sales Executive at Marshall+Sterling If you operate a commercial trucking or towing fleet, your SAFER score is one of the most important numbers in your business. It affects your insurance options, your ability to attract shippers and motor clubs, and your operational standing with federal regulators. Most…
-
Marshall+Sterling Expands Surety Practice with the Acquisition of Metayer Bonding Associates
Avon-based firm brings nearly 30 years of construction and commercial surety expertise and long-standing relationships with 18 leading bond companies to Marshall+Sterling. Marshall+Sterling, a top 50 U.S. insurance brokerage and 100% employee-owned risk solutions partner, today announced the acquisition of Metayer Bonding Associates of Avon, Connecticut, effective June 1, 2026. The addition deepens Marshall+Sterling’s surety…
-
Marshall+Sterling Acquires HorseWorks Insurance Specialists, Expanding Equine Division into Connecticut
Granby-based firm brings deep equine expertise and a team of competitive equestrians to Marshall+Sterling’s growing national equine practice. Marshall+Sterling, a top 50 U.S. insurance brokerage and 100% employee-owned risk solutions partner, today announced the acquisition of HorseWorks Insurance Specialists of Granby, Connecticut, effective June 1, 2026. The acquisition expands Marshall+Sterling’s Equine Insurance division into Connecticut…
-
You Just Got a Non-Renewal Letter. What Now?
By Stephen Kalmus, TRIP, CPIA, CLCS, VP & Sr. Sales Executive at Marshall+Sterling Getting a non-renewal notice in the mail is one of the most stressful moments in a fleet operator’s year. It feels personal. It feels like your insurance company is telling you that you’re too risky, too much trouble, or too expensive to…
-
Driver Qualification and Your Insurance Premium: What Fleet Operators Need to Know
By Stephen Kalmus, TRIP, CPIA, CLCS, VP & Sr. Sales Executive at Marshall+Sterling Finding and keeping qualified drivers is one of the hardest operational challenges in commercial trucking today. The driver shortage is real, the qualification requirements are strict, and the pressure to keep seats filled can push fleet operators toward shortcuts they’ll regret later.…
our Community
Making a difference where we work and live.
Our values drive us and our people inspire us. We are committed to being a strong regional partner and playing a key role within the communities we serve.
our history
We have served you for over 160 years, and we’re still going strong.
Since 1864, Marshall+Sterling has been the name synonymous with outstanding insurance coverage and customer service.
Contact Us
We’re here to help secure your success.
Whether you are looking for employee benefits plans; insurance for your business, home, auto or personal effects; or wealth management and financial planning services, we provide a comprehensive set of services to help you achieve success the way you define it.
Marshall+Sterling by the numbers.
Top 50
privately held U.S. insurance brokerage
100%
employee-owned business
$1B+
in written premiums
200+
insurance carriers
represented
570+
professionals
160+
years of service experience