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Insight & advice from the experts at Marshall & Sterling

 
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Proper Gutter Maintenance
Maintaining your gutters is important, as it can help you avoid costly repairs in the future. In fact, if gutters are obstructed and rainwater doesn’t flow properly, damage from rainwater or freezing can add up quickly.

In order to keep your gutters in good condition, consider the following tips:
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Start Preparing for Hurricanes Now
Hurricane Season: The Importance of Being Prepared
From June through November, hurricanes are at their peak. As we know, heavy rains and catastrophic winds can severely damage or destroy homes and businesses. The best way to minimize damage from a hurricane is to be prepared before one strikes.
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Best of VI Voting is Open
Each year people vote for the very best in the Virgin Islands... Best Hotels, Best Restaurants, and yes...Best Insurance Agencies! If you want to give a shout out to our team, cast your vote for BEST OF THE VI awards, and continue the winning streak we've seen over the past several years. Voting is simple and can be done right from your cell phone or computer. 
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Best of VI Voting is Open
Each year people vote for the very best in the Virgin Islands... Best Hotels, Best Restaurants, and yes...Best Insurance Agencies! The winners are voted on by people both from the VI and the mainland who want to recognize their favorite local businesses.
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When Leasing Space to Tenants - Who Owns the Improvements?
Suppose you're leasing a storefront to a retailer that makes improvements to the facility by adding features to help sell its products. During the lease, a fire breaks out and damages the building, including the features added by the retailer to improve the space. 

When the insurance claims are made, the following questions arise:
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Minimizing Customer Injury Risk
Customer personal injury claims can be costly and very damaging to your establishment’s reputation. They can be much more frequent than employee claims in some types of stores, especially warehouses that allow customer access. Employee safety programs are not sufficient to protect customers, who are at risk for many more accidents than employees for three primary reasons:
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Readers' Choice Awards Honors
We are excited to announce that we have been included in the "best of the best" honorees from the Times Herald Record Readers' Choice Awards again thsi year!  We were one of the top 3 votes for Insurance Company, Insurance Agent (Brian from our Middletown office) and also for Best Overall Employer! 
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Help the Hudson Valley - Going Paperless Will Plant Trees
As we all know, trees are an important part of what keeps the Hudson Valley a beautiful place to live. In an effort to support the reforestation of our endangered ecosystem in several states across the Country, Travelers has partnered with American Forests to plant up to 1,000,000 trees through April 2020 for every client that enrolls in paperless billing.
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Top 10 Things to Check If You're Going on Vacation
We've reached that point of Summer where families are trying to squeeze in vacations during the last few weeks before school starts, and people are trying to soak up as much sun as they can "before it's too late". You've got your hotel booked and bathing suit packed -- but have you prepared your home for vacation as well?   
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Travel Insurance
Your vacation may have taken months to plan. Travel insurance can protect against possible financial losses if you are forced to cancel, delay or interrupt your vacation. Insure your investment for non-refundable losses with a travel insurance policy. 
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