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Insight & advice from the experts at Marshall & Sterling

 
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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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Seven Insurance Policies for Small Businesses
With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Marshall & Sterling, Inc. is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line.
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5 Mistakes to Avoid When Applying for Auto Insurance
You may not think an error on your auto insurance application is a big deal, but the consequences can be very costly. Giving inaccurate information on your application can lead to increased premiums, policy cancellations or no financial assistance in the event of an accident. To avoid these negative effects, here are the top 5 mistakes to avoid: 
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Keeping your Pawnshop Safe: Robbery Tips
Keeping your business safe can be a big worry for many jewelers and pawnbrokers—especially around major holidays. It’s not just about having peace of mind when you’re off the clock, it’s also a matter of your business’s long-term survival. The hard part is, it’s impossible to predict when the safety and security of your customers, inventory, and cash on hand will come under threat.
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Replacement Cost vs. Market Value
Ensure that your homeowners policy limits correspond to the cost to rebuild in case of a loss, whether it is a hurricane, fire, or flood. Unlike a home’s resale value (which includes the cost of the land), the cost to rebuild is based on the amount needed to hire a contractor plus building materials and other additional costs.
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Earthquake Preparedness Tips
Earthquakes, one of Mother Nature’s most unsettling phenomena, are unpredictable and can strike without warning. The forces of plate tectonics have shaped the earth over many years, as the huge plates that form the earth’s surface slowly move over, under and past each other. Sometimes, the movement is gradual.
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Celebrate Safely this 4th of July
The 4th of July can be an exciting and beautiful time to celebrate with family and friends. And the number one way people celebrate is with fireworks. But even mild fireworks such as sparklers can get hot enough to burn through clothing. To prevent burn injuries, exercise extreme caution when lighting and holding fireworks, and monitor your children closely during the festivities.
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The Recipe For Grilling Safety
Many backyard gatherings are centered around the grill and the family’s resident chef who is creating all the enticing aromas. In spite of how great grilled foods taste, gas and charcoal grills account for an average of 10 deaths, 100 injuries and $40 million in property loss each year, according to the United States Fire Administration.
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Removing Bedbugs from the Home
Bedbugs are small, parasitic insects that bite people while they sleep and feed on their blood. While most infestations are located in hotels, homes and hospitals, any building with carpet, fabric or furniture is at risk of an infestation.
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Protect Your Car from the Sun and Heat
Summer can be an intense season. If you don’t take the proper precautions, the sun can severely damage key components of your vehicle. In fact, it’s not uncommon for the exterior of cars to reach 194◦ F when exposed to direct sunlight in the summer. This amount of heat can not only wreak havoc on your car’s finish, but its interior as well.
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