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Incubator & Start-Up Companies

Contact Us: Lorraine Emerick
800-724-0675 x1022
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"The expertise and commitment of Marshall & Sterling has been instrumental to help our startup dealing with insurances and compliance boards with NY State. Lorraine Emerick and her team have been fantastic to work with during the entire process!"

— Stephane Corgie, CEO, Zymtronix

"For more than a decade, Lorraine Emerick and Ken Grey of Marshall and Sterling Insurance have been lead sponsors of the Business Incubator Association of New York State. Not only have they generously supported our activities, but they also really “get” the insurance needs of the startups that business incubators serve. Marshall and Sterling has developed clients in incubator facilities and programs statewide, across industry sectors ranging from specialty food products to biotechnology and health. They should be on the recommended vendor list of any incubator manager in the state.” 

— David Hochman, founding executive director, BIANYS (Business Incubator Assoc of NYS)

For most businesses, start-ups included, business insurance should be considered essential to their survival. Some types of insurance are required by law. Other coverages may be required by your business associates or investors. But business insurance is really about protecting your employees and your investment in your business.

Marshall & Sterling Insurance has the esteemed status of Platinum Agent for the Hartford Insurance Company (A.M. Best Rating "A+"). In addition, we represent the leaders in financially secure companies in the insurance industry (AIG, Chubb Insurance Group, Travelers, CNA, One Beacon...) as well as access to over 50 markets to meet the specialized needs of our clients. You can count on us to find your organization the right coverage options at the right price.

You may want to consider asking us about the following types of coverage:

  • Technology Errors and Omissions
  • Technology Media Liability
  • Crime
  • Cyber Breach Protection
  • Computer Protection
  • Consequential Loss to Stock
  • Equipment Breakdown Coverage
  • Off-Premises Power Failure Coverage
  • Package Policy
  • Directors' & Officers' Liability
  • International Coverage
  • Umbrella Coverage
  • Workers' Compensation
  • Disability
  • Life
  • Cyber Liability
  • Health, and More...

Have you reviewed your benefits package recently? Marshall & Sterling offers an extensive array of services with access to leading markets in NYS, typically saving clients 15%-20%, including…Medical, Prescription Drug, Dental, Life, Vision, Web-Based Enrollment & Health Advocacy Services. Click here to request a free consultation with our Benefits Division.



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Business Owner's Playbook
Answers for an Emerging Company, Growing Company, and Transitioning Company
Employee Emergency Preparedness Survey
How well are your employees able to respond to an emergency situation?
Incubator Insurance 101 Guide Emergency Preparedness Tutorial
establish emergency action plan procedures based on OSHA standard 29 CFR 1910.38
Incubator Insurance Brochure Emergency Preparedness Presentation
educate employees about their role in the Emergency Action Plan program
Errors & Omissions Failsafe Claims Scenarios Foreign Exposure Checklist
In today's economy, international markets offer great potential for U.S. companies; however, they also present additional risks and exposures.
Global Liability Exposures Business Continuity Planning Toolkit
A business continuity plan, if implemented and maintained, can be the difference between successfully recovering from a business interruption and going out of business.
Cyber Liability and CNA Netprotect Esential
Learn how law and insurance intersect with Cyber Risks and Coverage
Intellectual Property
Technology Claim Scenarios Using Materials from the Internet
Loss Scenarios, Are you Covered?
The cost of litigation has risen dramatically in recent years. Are you covered?
OSHA Lab Standards
Employment Laws that Apply to Your Business
Your company isn't safe from employment practices lawsuits just because it's small.
Web-Based Portal Achieving Cleanroom Standards