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The latest news and happenings at Marshall & Sterling

 
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Benefits of D&O Insurance for Private Companies
With today's emphasis on Corporate transparency and accountability, an organization's directors and officers face a countless number of exposures. Regardless of your company's size or mission, the legal costs associated with a lawsuit can be crippling for both the organization and your directors and officers.
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Responding to Ransomware Attacks
Although all types of cyber attacks are dangerous, ransomware is quickly becoming the most popular way for hackers to exploit businesses. In mid-2017, the WannaCry ransomware attack affected over 250,000 devices in at least 150 countries and caused massive financial damage.
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Reduce Your Liquor Liability Risk
Businesses that serve alcohol expect their employees or patrons to have a good time and act in a responsible manner. What they don’t expect, however, is to find out that they are liable for the actions of an intoxicated person. While the vast majority of businesses serve alcohol without incident, the harsh reality is that lawsuits related to liquor liability are filed each day.
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The Benefits of Crime Insurance
As a leader within your organization, you want to trust your employees and the people you do business with. However, the reality is that no business is immune to the threat of crime and fraud.
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10 Employee Retention Resolutions for 2018
With a new year upon us, your attention is likely focused on setting financial and productivity goals for your business. As you plan, make sure to look at one area you may have overlooked: employee retention. Employee retention has a huge impact on your bottom line, and now is a great time to make some employee retention resolutions that will pay off all year long.
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NY! Are you ready for Paid Family Leave? View our guide.
Starting January 1, 2018, New York Paid Family Leave becomes a mandatory employee paid leave benefit. Virtually all private employers employing one or more employees at least 30 days in any calendar year are required to obtain Paid Family Leave insurance which will be added as a rider to the disability insurance policy you already carry. 
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How Hiring Holiday Help Impacts ‘Pay or Play’ Compliance
Employers that hire seasonal workers this holiday season are reminded that there is an exception when measuring workforce size to determine whether they are an applicable large employer (ALE) subject to the Affordable Care Act's employer shared responsibility ("pay or play") and corresponding information reporting provisions.
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What to Do in the Event of an Active Shooter
Workplace violence may be a rare occurrence, but you should never underestimate the importance of being prepared in the event that your workplace is targeted by an active shooter. An active shooter is an individual who is engaged in killing or attempting to kill people in a confined and populated area.
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Data Breaches Increasing at a Record Pace
According to a recent report from the Identity Theft Resource Center and CyberScout, 791 data breaches were reported during the first half of 2017 in the United States alone, marking a 29 percent jump from the same period in 2016.
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Insurance Scores and Credit Freezes
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. 
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