The latest news and happenings at Marshall & Sterling

National Flood Insurance Program Changes for 2017
The Federal Emergency Management Agency (FEMA) recently announced changes to the National Flood Insurance Program (NFIP) that will go into effect on April 1, 2017.
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Search Engine Risks
Your company, like most, depends on the capabilities of your computer systems to function. You should be aware that simple actions your employees take could be putting your company’s equipment and networks at risk of cyber crime, including cyber attacks, cyber theft and other computer security incidents.
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The Story Your Mod Reveals
For many employers, workers’ compensation insurance is all about one number—the premium quoted. Understandably, employers want to pay the lowest amount possible on this mandatory coverage.
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Protecting Your Intellectual Property
Intellectual property—patents, trademarks, copyrights and trade secrets—may be more important to your business than tangible assets. There are various avenues you can take to protect them from competitors and, more importantly, thieves. It is estimated that intellectual property theft costs domestic companies over $300 billion a year in lost revenue.
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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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Marshall & Sterling Ranked Among Top 100 Insurance Agencies
Each year, Insurance Journal compiles a list of the top 100 Independent Property/Casualty Insurance Agencies. This list is ranked by total property/casualty agency revenue for the previous year, and comprises only those agencies whose business is primarily retail, not wholesale. 
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Top Four Construction Hazards
You’re good at your job and you love what you do. However, every time you come to work, you risk suffering an injury. The construction site is one of the most hazardous workplaces, and many of the injuries that occur there are caused by these top four hazards: falls, struck-by, caught-in/between and electrocutions.
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Drone Risks - Are you Covered?
Unmanned aerial drones, also called unmanned aircraft systems (UAS), are a new type of aircraft that has broad commercial and personal uses. UAS can be used to inspect buildings, deliver materials or fly around as simple, recreational products. However, as UAS become more advanced and widespread, they can represent a significant new threat to you or your business.
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Summer Precautions for Outdoor Workers
In 2014, 2,360 workers became sick and 14 died as a result of heat illness—all of which were preventable. If you’re an outdoor worker, it is important to take precautions against exposure to sun, heat and bug bites during the summer months. 

SunTo protect against the sun’s harmful ultraviolet (UV) rays: 
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Why Choose Employment Practices Liability Insurance?
From the moment that you start the pre-hiring process until the exit interview, you are vulnerable to an employment-related lawsuit. As a result, your business should take a hard look at whether it can afford to defend itself against alleged wrongful employment practices accusations.
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