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Insight & advice from the experts at Marshall & Sterling

 
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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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Preventing Claims While Disciplining & Terminating Employees
Disciplining and terminating employees is an unpleasant task that brings high-risk exposures for employers. If you’re not careful, disciplining or terminating a difficult employee could end up costing you. Employee lawsuits can be expensive—even catastrophic for smaller firms—to litigate. They are also time-consuming and emotionally draining, and they can create tension in your workplace.
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Marshall & Sterling Insurance Proudly Supports Gateway Community Industries
Marshall & Sterling Insurance and the Selective Insurance Group Foundation (Foundation) partnered to support the efforts of Gateway Community Industries through $1,500 in financial support.
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4 Things to Consider When Purchasing a Fixer-Upper
Thanks to HGTV, many of us are feeling more empowered than ever when it comes to home improvement and considering purchasing fixer-uppers to convert into our dream home. The possibilities are endless. Older homes have become a target for this trend, allowing us to hold onto some of the charm and character they offer while adding modern flair.
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Things to Consider When Starting a Home Based Business
Starting a home based business might sound appealing (working in your PJ's, setting your own hours, no boss!!). However, you need to make sure that your business is properly insured. Here are some questions to ask yourself about your endeavor.
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Is your property insurance limit adequate?
If you own commercial property, a wide variety of policy options are available at different prices that cover an assortment of replacement or repair options at the time of loss. Knowing how much your property is worth and obtaining the insurance policy that both protects you and suits your financial needs is important.
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5 Ways to Reduce Your Data Exposures
Cyber security threats and trends can change year over year as technology continues to advance at alarming speeds. As such, it’s critical for organizations to reassess their data protection practices regularly and make achievable cyber security resolutions to help protect themselves from costly breaches:
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Hurricane Preparation
Of all businesses that close down following a disaster, more than 25 percent never open their doors again. While there’s no way to lower the risk of a natural disaster from hurricanes, there are critical measures that can be taken to protect your company’s bottom line from nature’s fury. A disaster plan and adequate insurance are keys to recovery.
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Flood Safety Precautions
According to the Federal Emergency Management Agency (FEMA), floods are one of the most common disasters in the United States. It’s important to be aware of flood hazards no matter where you live, but especially if you live in a low-lying area, near water or downstream from a dam. Even small streams, culverts or dry streambeds that appear harmless in dry weather can flood.
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Celebrating Sales Excellence
Each year, we hold a Sales Executives Conference to help excite and inform our Sales Executives, and celebrate their success over the last year. This year our team celebrated at Rivers Casino in Schenectady, with a special session from the team at Sandler Training. The event was generously sponsored by our partners at ProAct Pharmacy Benefit Management and Specific Solutions, Inc.
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