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Insight & advice from the experts at Marshall & Sterling

 
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Preparing Your Home and Family for a Tornado
When it comes to tornadoes, there’s no substitute for advanced planning. During peak tornado season—between May and August—storms that produce tornadoes can develop quickly, so it’s important for you and your family to know exactly what to do before, during and after a twister strikes.
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Spotting Fake IDs
Whether it happens with your customers or in the process of hiring a new employee, it is vital to recognize the differences between fake identification documents and genuine documentation.
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Are You Covered in Case of a Business Interruption?
If a fire causes your pawnshop to be temporarily unusable, what would you do next? Ideally, you would move to a temporary location while your permanent place of business is being repaired.
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PCORI Fees Due by July 31st 
Employers who sponsor self-insured coverage—including HRAs and certain FSAs—are responsible for filing and paying the fee by July 31st of the calendar year following the end of the applicable plan year. The fee is paid as an excise tax, submitted to the IRS once per year on the second quarter Form 720. 
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IRS Reverts to Prior HSA Limit for Family Coverage
On April 27, 2018 the Internal Revenue Service (IRS) announced via Revenue Procedure 2018-27 that the maximum amount that may be contributed to an HSA by an individual with family coverage under a high deductible health plan will again be higher for 2018.
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Cryptocurrencies and What They Mean for Businesses
Technology has added efficiency and modern conveniences to daily life. Among these conveniences, computer experts have managed to apply digital traits to new, online currencies that are commonly called cryptocurrencies.
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Why Choose Employment Practices Liability Insurance?
From the moment that you start the pre-hiring process until the exit interview, you are vulnerable to an employment-related lawsuit. As a result, your business should take a hard look at whether it can afford to defend itself against alleged wrongful employment practices accusations.
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Red Flags When Buying Used Cars
While buying a used vehicle will save you money and help you avoid depreciation costs, it is important to do your research before you purchase one. To avoid purchasing a car with hidden problems, look out for the following warning signs:

Excessive wear and tear in the interior.
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Light it Up Blue With Us - April 21, 2018
Join us at HV Light it Up Blue, supporting the Autism Move-A-Thon of Orange County on April 21!
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Pet Adoption Event & Drive
Our Marshall & Sterling Insurance branch location in New Windsor, NY is hosting a pet adoption event in their parking lot with Hudson Valley SPCA on May 19! Stop by our parking lot between 11:00 a.m. and 3:00 p.m. to win prizes, drop off donatoins, and see who is searching for their “furever” home.
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