Insight & advice from the experts at Marshall & Sterling

The Value of Business Interruption Insurance
When organizations face large-scale disasters or other unexpected losses, ensuring business continuity is often a top priority. Yet, various losses may make it challenging for organizations to avoid operational disruptions or temporary shutdowns. In these instances, even brief closures can carry costly consequences. That’s where business interruption (BI) insurance can help.
Read more
Business Best Practices: National Safety Month
June is National Safety Month. This campaign, put together by the National Safety Council (NSC), highlights efforts to prevent injuries and deaths inside and outside the workplace. It also helps provide learning opportunities for employees, allows employers to share their safety pride and gives employees the opportunity to pledge that they will work safely.
Read more
Preventing Distracted Driving: Your Organization May be Missing these Safety Elements
In today's fast-paced world, the prevalence of distractions on the road has become a critical concern, especially for businesses with commercial fleets. Distracted driving poses significant risks not only to drivers themselves but also to others sharing the road. For businesses that rely on vehicles for essential tasks, understanding and mitigating the dangers of distracted driving is crucial.

This article reviews the different types of distracted driving and provides some solutions to help businesses prevent distracted driving from being an issue within their fleets.
Read more
Strategic Benefit Planning
Cutting benefits may seem like a necessary reality for some companies, but could have serious long-term consequences.
Read more
Business Risk: The Importance of Regularly Reviewing Your Insurance Policy
In the fast-paced world of business, change is the only constant. Whether it's growth in operations, new market ventures, or changes in workforce dynamics, businesses evolve, and with these changes, so do their risk profiles. One crucial aspect that often gets overlooked in this evolution is the need to regularly review your insurance policy.
Read more
Towing Operations - Know These Regulations
Owning and operating a towing business can be a very rewarding experience. After all, towing operations can help clear the road of damaged or disabled vehicles in a timely and effective manner when unexpected incidents occur. However, in addition to the risks common in every industry, towing businesses face unique liabilities due to the movement of vehicles and the presence of large, heavy equipment. That’s why it’s vital to establish effective loss control measures. This resource outlines common risks towing operations must address and offers helpful strategies to avoid possible claims.
Read more
IRS Announces 2025 HSA and HRA Limits
Earlier this month the IRS released Rev. Proc. 2024-25, announcing the 2025 calendar year dollar limits for health savings account (“HSA”) contributions, the minimum deductible amounts, and maximum out-of-pocket expenses for high deductible health plans (“HDHPs”) and the excepted benefit health reimbursement account (“EBHRA”) limit. By law, these limits are indexed annually to adjust for inflation.
Read more
The Value of Cyber Insurance
As cyberattacks become more frequent and costly, it’s crucial for organizations to maximize their financial protection against related losses by purchasing sufficient insurance.
Read more
Cyber Security Awareness Programs: Benefits and Implementation
Businesses of all sizes are susceptible to cyberattacks such as phishing scams, malware attacks and ransomware schemes, which can create significant financial loss and lead to major reputational damage. Therefore, businesses need to take measures to mitigate cyber risk. Implementing a comprehensive cybersecurity awareness program is one of the most important strategies for recognizing and preventing cyberattacks. Establishing such a program can create a stronger cybersecurity culture and provide employees with essential training to prevent breaches. This article provides more information on cybersecurity awareness programs and offers tips on implementing them successfully.
Read more
Federal Youth Employment Laws: Hiring Summer Workers
The U.S. Department of Labor (DOL) oversees and enforces federal youth employment laws through the Fair Labor Standards Act (FLSA). Under the FLSA, employers are prohibited from employing “any oppressive child labor in commerce or in the production of goods for commerce or in any enterprise engaged in commerce or in the production of goods for commerce.” Failing to comply with federal youth employment laws can result in costly investigations and penalties.
Read more