Insight & advice from the experts at Marshall & Sterling

MGM Cyberattack Emphasizes Need for Layered Defenses
The odds are stacked in favor of increasingly bold and sophisticated cybercriminals, as MGM Resorts International and Caesars Entertainment learned this week, meaning organizations need multiple layers of defense and heightened vigilance against social engineering tactics.
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6 Factors Driving Commercial Auto Insurance Costs
The commercial auto insurance space has consistently hardened over the past decade, evidenced by ongoing rate increases, limited capacity and other difficult market conditions. In this hard market, most insurance companies have struggled to reach profitability for commercial auto insurance policies. This is largely due to several cost-driving trends impacting the segment. As such, it’s important for businesses to understand the primary reasons behind rising premium costs. Here are six factors currently affecting commercial auto insurance costs.
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Understanding the Roadway Excavation Quality Assurance Act
As the construction industry grows, it's essential to stay aware of the latest developments. The Governor of New York, Kathy Hochul, just recently passed the Roadway Excavation Quality Assurance Act.

This legislation will cause a notable impact on contractors and their businesses; making it important that everyone in the construction industry understands the implications of this act and how it applies to their operations.
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Protect your Business' Rooftop Assets with Hail Guards
Hailstorms can wreak havoc on a business's rooftop equipment, including its cooling towers, exhaust fans, and heating, ventilating and air conditioning systems. Hail guards are specially designed to protect and cover such equipment while still promoting proper building ventilation. This article highlights the advantages of using hail guards to shield a business's rooftop equipment to help minimize the likelihood of expensive repairs and downtime.
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7 Factors Driving Commercial Property Insurance Costs
Several cost-driving trends have contributed to the hard commercial property insurance market. This environment has led to continuous rate increases and other challenging conditions. In these circumstances, it’s crucial for businesses to understand why premiums have been rising. This article discusses seven factors currently impacting commercial property insurance costs.
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2022 EEO-1 Filing Opens October 31, 2023
The U.S. Equal Employment Opportunity Commission (EEOC) announced the 2022 EEO-1 reporting period will open on October 31, 2023. The deadline for employers to file their EEO-1 reports will be December 5, 2023.
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How to Manage Business Risks
A vital aspect of running a small business involves managing its associated risks, as no operations are immune to internal or external threats. A risk management plan involves implementing various techniques that can help mitigate or prevent loss.
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Common Components of a Cyber Insurance Policy
In recent years, organizations of all sizes and sectors have become increasingly reliant on workplace technology and digital systems to conduct their operations. Nevertheless, utilizing such technology carries additional exposures and liabilities. That’s why it’s crucial to secure adequate cyber coverage.
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4 Ways Artificial Intelligence Can Help Reduce Workers’ Compensation Expenses
Artificial intelligence (AI) encompasses machines, computer systems and other devices that can simulate human intelligence processes. This technology has the potential to change many aspects of the workplace, especially as it pertains to preventing and managing occupational injuries. As a result, implementing such technology could significantly impact organizations’ workers’ compensation programs, particularly in the realm of cost-effective claims management.
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ACA Affordability Percentage Drops Significantly for 2024
This E-Alert is of interest to Applicable Large Employers (ALEs) - generally those with 50 or more full-time employees (including full-time equivalent employees). Under the ACA’s employer shared responsibility ("Pay or Play") provisions, large employers may be subject to a penalty if they do not offer affordable coverage that provides minimum value to their full-time employees and their dependent child(ren).
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