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Insight & advice from the experts at Marshall & Sterling

 
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New York's Updated Workers' Comp Experience Modification Rating Progam
The Rating Board is changing the experience modification formulas for New York employers. This means new formulas will be used to calculate employers’ experience modification factors for workers’ compensation insurance.
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Required Notice under Whistleblower Law
The New York State Department of Labor has released the required model notice for private employers - learn more. 
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New York Department of Labor Issues Required Notice of Expanded Whistleblower Protections
The NY State Department of Labor has released the required model notice for private employers from the greatly expanded whistleblower protections under New York Labor Law § 740 that went into effect on January 26, 2022.
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Personal Cyber Coverage Explained
Typically offered as an endorsement to a homeowners policy, this form of coverage can provide financial protection for losses resulting from a range of cyber incidents—including fraud, identity theft and data breaches. Keep reading to learn more about the growing need for this coverage and the key types of personal cyber insurance available.
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Mistakes to Avoid When Applying for Auto Insurance
Giving inaccurate information on your application can lead to increased premiums, policy cancellations or insufficient coverage in the event of an accident. Here are some common mistakes to avoid when applying for auto insurance. 
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7 Tips for Eliminating Indoor Air Pollution
Don’t put yourself at risk of these health effects—be sure to make the effort to mitigate indoor air pollution in your home.
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Cybersecurity Trends to Watch for in 2022
Here are some key cyber trends to watch for in 2022.
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Why You Should Improve Office Air Quality
Our team knows how much you depend on your employees, and can help you ensure their health by taking measures to prevent employee illness.
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Labor Shortages and Business Liability Risks
The past year has seen labor shortages across industry lines.. Better understand the factors contributing to the ongoing labor crisis, how employee shortages impact business liability exposures and steps employers can take to help minimize these workforce concerns in this article.
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U.S. Supreme Court Blocks Enforcement of OSHA’s COVID-19 Vaccine or Test Mandate
The U.S. Supreme Court decision can be viewed here.
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