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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.

Marshall & Sterling recently hosted a webinar - “ACA Compliance in 2019.” Some of the topics this webinar covers are: 

The Current State of the ACA 
Individual & Employer Mandate 
Updates ACA Taxes, Fees & Reporting 
2019 Indexed ACA Figures 
Common Misconceptions & FAQs

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.

Many business owners fail to consider how they would manage if a fire or natural disaster rendered their business premises temporarily unusable. According to the Federal Emergency Management Agency (FEMA), almost 40 percent of all businesses that close down following a disaster never open again.

It’s easier than ever to buy or sell things on online platforms like Facebook Marketplace or Craigslist. However, you always need to be careful when meeting strangers to exchange purchases.

These simple steps can help protect you when completing an online purchase in person:

While the media often reminds us of high-profile network leaks, organizations of all sizes are at risk. Because the unintentional release of sensitive customer information is a larger risk than ever, it is essential that you be prepared to react efficiently and effectively in the event of a breach.

Spring is a great time of year to get rid of the clutter you’ve accumulated over the winter and tackle the dust and grime that has crept into your workspace. It’s also a great opportunity to think about safety and eliminate potential hazards. 

According to the American Red Cross, almost half of all small businesses affected by a major disaster, such as a tornado, flood, earthquake or hurricane, do not reopen their doors because they were unprepared for the disaster. Therefore, it is necessary for business owners and managers to consider the fact that a natural disaster is possible.

Your customers expect you to have safe and reliable products, and failing to meet these expectations can lead to huge financial losses. If one of your products harms a customer in any way, they can sue your business, leading to costly legal fees and settlements. These costs can easily reach six figures.

Snow can melt and refreeze throughout the winter, causing dangerous ice buildups in some of the most susceptible parts of your home. Make sure to prevent snowmelt from damaging your home with these four tips: