Insight & advice from the experts at Marshall & Sterling

IRS Extends Due Date for 2018 ACA Reporting to Individuals
On Nov. 29, 2018, the Internal Revenue Service (IRS) published Notice 2018-94 extending for a fourth time the deadline for furnishing ACA reporting forms to enrollees and employees.
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Understanding Coinsurance
Taking the time to understand your insurance policies is well worth the effort. An insurance policy is a complex contract that often contains provisions that assigns certain responsibilities to the policyholder, such as a coinsurance clause. Often misunderstood, Marshall & Sterling has gathered the basics on coinsurance to help eliminate any potential confusion.
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10 Steps to Harden the Target
We have seen an increase in violent robberies and burglaries across the Nation. We thought it important to provide the Pawnbroker community with a few reminders on some best practices for security since there are times we all become complacent with our business.
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2019 Index Figures & Benefits Limits 
Annually, the Internal Revenue Service (IRS) and Social Security Administration release cost-of-living adjustments that apply to dollar limitations set forth in certain IRS Code Sections. View the 2019 Index Figures.
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Employment Practice Liability and Donated Funds
No employer wants to believe that their employees or volunteers would take legal action against them, especially in a nonprofit organization. Unfortunately, over the past decade, employment practice liability (EPL) has become one of the largest risks faced by organizations in both the nonprofit and for-profit sectors. According to the most recent U.S.
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Don’t Get Cold Feet About Vehicle Storage This Winter
When winter comes and brings the snow and cold with it, it’s time to store your recreational vehicle—or any vehicles that won’t be in use—to avoid damage from the harsh weather and roads and to ensure it’s in good working condition for spring.

Prepare for Cooler Temperatures
Use these tips to prep and store your vehicle this winter:
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Honoring our Veterans
To honor all serving in our military on Veteran's Day, we recently sat down with U.S. Navy Seaman Matt Saccoccie, son of our very own Vicky Saccoccie who is a Personal Lines CSR from our Kingston Branch (pictured here with Matt and her husband Joe.) We had a quick Q&A with Matt, which he graciously provided about his service to our country.
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Cold or Flu? How to Spot the Difference
The common cold and seasonal flu share many symptoms, but there are points of differentiation to help you identify which it is in order to seek treatment. 

Common Cold:
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Halloween Safety Tips for the Whole Family
Halloween is a fun time for children and adults alike. However, there are many precautions to keep in mind in order to enjoy the holiday safely.

The following are just a few general tips to keep in mind:
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Is Your Employee Safety Incentive Program Effective?
As the owner or manager of a small business, your attitude toward job safety and health will be reflected by your employees. If you are not interested in preventing employee injury and illness, your employees will probably not give safety and health much thought either.
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