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Data security is crucial for all businesses. Customer and client information, payment information, personal files, bank account details—this information is often impossible to replace if lost and is extremely dangerous in the hands of criminals. Data lost due to disasters such as a flood or fire is devastating, but losing it to hackers or a malware infection can have far greater consequences.

If your business is looking for an insurance quote, it's important to know that many of our carriers consider insurance scores to be an important and predictive rating element. They obtain an insurance score on all new business applicants, and use the score received at inception on each subsequent renewal. 

This time of year, foggy mornings can be common. And no matter how vigilant a driver you are during weather events like heavy fog, visibility is poor and can negatively impact your driving.

To remain safe when driving in fog, do the following:

Each year, employer-sponsored health plans that offer any type of prescription drug coverage to Medicare eligible individuals must disclose if the coverage offered is as generous as the standard Part D drug plan (“Creditable”) or not.

Every year, storms are responsible for felling countless trees and limbs. Unfortunately, some of those fallen trees damage homes and other property.

Cleaning up the damage from a storm can be a difficult task, both physically and emotionally, and things can become especially tense when you discover that it’s your neighbor’s tree that damaged your house.

On September 20, Tammy Holt from Marshall & Sterling was proud to participate in the Ulster County Regional Chamber of Commerce's Buy Local Expo, which highlighted dozens of area businesses serving Ulster County and the Hudson Valley. The event was held at Diamond Mills in Saugerties, NY. Watch her interview below:

 

For better or worse, your automobile insurance premium is a direct result of your driving record. This amount is determined by the insurance company to cover the costs of insuring you and your family as drivers on the road. Want to lower your premium? Keep your driving record clean!

Whether you are 25 or 55, a life insurance policy gives you the peace of mind that should the worst happen, you and your loved ones will be taken care of.

Keeping up with seasonal repairs and upkeep not only shows pride of ownership, but can reduce the risk of costly and preventable home expenses. Prepare your home for the Fall and upcoming Winter with the following considerations:

Home Exterior

The workers' compensation (WC) insurance system is a no-fault method of paying workers for medical expenses and wage losses due to on-the-job injuries. While the majority of WC claims are truthful, the National Insurance Crime Bureau reports that billions of dollars of false claims are submitted each year.