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Insight & advice from the experts at Marshall & Sterling

 
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Who Needs an Umbrella Liability Policy? (Probably You)
Accidents happen, and it’s not uncommon for jury awards and out-of court settlements to run into the millions of dollars. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current home or auto insurance offers you enough protection? 
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Commercial Property Insights: Fire Protection Impairment Programs
An uncontrolled fire can be extremely damaging to your organization, and while a fire protection system may be able to protect against many threats, impairments are an inevitable part of a fire protection system’s life cycle. For the safety of your organization and its employees, it is necessary to have a fire protection impairment program in place.
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Protecting your Pawnshop from Civil Unrest
The civil unrest and riots that spread across the country in 2020 had a significant impact on pawn shops. It could happen again - follow these tips.
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Helping the Pawn Community Prosper
Pawnbroker business insurance is impacted from rising claims from weather, riots, theft, and trip and fall lawsuits. When this happens, it is possible to then loose your no claims bonus. Claims can increase rates and preferred insurance eligibility.
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Are You Prepared when Disaster Strikes? National Preparedness Month
Since 2004, the Federal Emergency Management Agency and the Ready Campaign have promoted National Preparedness Month (NPM) every September. In honor of NPM, take some time to prepare your household for an emergency today.
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Discover Discounts by Bundling Your Insurance Policies
Bundle your home, auto and other insurance policies with the same provider for insurance discounts.
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Federal District Court Blocks the FTC’s Noncompete Ban
On Aug. 20, 2024, the U.S. District Court for the Northern District of Texas issued an order blocking the Federal Trade Commission’s (FTC) noncompete ban, which had a scheduled effective date of Sept. 4, 2024.
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Insure your Summer Fun
Before you put the boat on the lake or get the ATVs out of storage, check with your insurance agent to make sure they are properly protected.
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Getting Long-term Care Planning Right
70% of Americans over 65 years old will need some level of long-term care services.[1] And yet, only 3% of Americans have some sort of long-term care insurance[2]. The problem lies in that when it comes to planning a safe and secure retirement, long-term care remains a confusing and unaddressed challenge to many people’s financial security. Long-term care insurance is not always the answer, but formulating a plan for a potential long-term care event within your retirement is a must.
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Tips for Avoiding Heat Illnesses This Summer
Summer heat can be more than uncomfortable; it can be a threat to your health, especially for older adults and children. The combination of heat and humidity in the summer months can be downright uncomfortable and even dangerous. Whatever your age, don’t let the summer heat get the best of you.
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