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Insight & advice from the experts at Marshall & Sterling

 
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Reminder - HSA Plan Limits for 2017
Each year, the IRS adjusts the annual amounts for Health Savings Account (HSA) contributions, high-deductible health plan (HDHP) deductibles, and related out-of-pocket maximums (OOPM).
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The Basics of Life Insurance
Life insurance isn’t a pleasant thing to think about, and it may seem like an unnecessary expense. But if you have dependents who rely on you for financial support, then life insurance is really about protecting them in case something happens to you.
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Construction Companies: The Next Cyber Target?
According to a recent report from SecurityScorecard, construction was the third most secure industry when it came to cyber attacks. However, experts warn that the high ranking wasn’t due to proactive security measures.
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Saving Money on Car Insurance – The Simple Truths
Lots of insurance companies promise to save you money on your car insurance, but there are some simple truths that will greatly affect what your premiums will be.
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Preparation is the key to staying safe
During a hurricane or tropical storm, heavy rains and catastrophic winds can barrel through coastal areas and severely damage or destroy homes and businesses. To help you plan and remain safe during these potentially deadly storms, let's discuss the top 3 preparedness tips...
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Do You Need Travel Insurance?
Your vacation may have taken months to plan. Ensure your investment in minutes for non-refundable losses with a travel insurance policy.
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Important News for CDPHP members: Cyber Security Incident
CDPHP® has been notified by its vendor, Newkirk Products, Inc. (Newkirk), of a cyber security incident that may impact some CDPHP members.
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Payment Card Industry Compliance Tips
It has become commonplace for consumers to purchase goods and services with debit or credit cards rather than cash. However, this convenience may expose both consumers and your business to potential risks.
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Five Insurance Professionals Join Marshall & Sterling’s Leeds, NY Team
We are pleased to announce the addition of four insurance professionals to our Leeds, NY branch team; Justin Snow - account manager,  Lindsay Rybinsky - personal lines CSR, Michelle Conway - claims advocate, Stacey Newman – commercial lines assistant and Kristin Goetz-Raffo, executive assistant.  Recently, all five individuals successfully completed their property & casualty
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ACA Reporting - 2016 IRS Draft Forms & Instructions Released
In late July, the IRS released new draft 2016 Forms 1094-B and 1095-B (the "B-Series" Forms) and Forms 1094-C and 1095-C (the "C-Series" Forms).
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