News
One of the best ways to stay ahead of risk? Stay well informed.
News
Federal Court Vacates DOL’s Final Overtime Rule Nationwide
On Nov. 15, 2024, the U.S. District Court for the Eastern District of Texas vacated the U.S. Department of Labor’s (DOL) final rule to amend current requirements that employees in white-collar occupations must satisfy to qualify for an overtime exemption under the Fair Labor Standards Act (FLSA). This ruling sets […]
Winter Equine Safety
For many of us, winter brings with it a not quite delightful menu of snow, ice, mud, and cold temperatures, all of which lead to unique horse management challenges. Consider the following scenarios to ensure you and your horse have a safe and healthy winter season. Scenario #1 – The […]
Understanding Insurable Interest in Horse Insurance Policies: Leases, Horses on Trial, Purchases over Time Insurance Policies
Leases, Horses on Trial, Purchases over Time The concept of insurable interest is a common topic in equine insurance, especially when clients are working on insuring a horse that they lease, are taking on trial, or purchasing over time. In a nutshell, for a party to have an insurable interest […]
2025 FSA Limit Increase and Other Indexed Benefit Figures
Annually, the Internal Revenue Service and Social Security Administration release cost-of-living adjustments that apply to dollar limitations set forth in certain IRS Code Sections. The Consumer Price Index warranted increases in some benefits figures for 2025—for a full summary and charts of key 2025 figures that are of interest to […]
Marshall+Sterling Acquires FitzGibbons Agency
Marshall & Sterling Enterprises, Inc., has acquired the assets of FitzGibbons Agency LLC, a third-generation independent insurance agency serving the Oswego and Onondaga communities. The agency was previously owned by Pathfinder Bank and John FitzGibbons. “With this acquisition, we further solidify our strong presence in upstate New York,” said Marshall+Sterling […]
Stay Safe After the Storm
If Hurricane Milton is affecting your area, it is important to know the following tips for what to do after a hurricane: Contact your service team promptly to report damages. Be patient, as delays are likely.In addition to insuring your home, we are committed to helping you and your loved ones stay […]
The Benefits of Telematics for Commercial Fleets
Managing a fleet and drivers can be a challenge, particularly given the potential for accidents, employee injuries, liability concerns and increased costs associated with vehicle upkeep. Nevertheless, your fleet plays a major role in the success of your organization. As such, it’s crucial to take a proactive approach to fleet […]
Protect Your Investment: The Vital Role of Construction Insurance for Glamping Resorts and Campgrounds
As the glamping and outdoor hospitality industry continues to grow, many entrepreneurs are recognizing the potential of creating high-end campgrounds, complete with luxurious accommodations, restaurants, and a range of amenities. However, constructing a large glamping resort involves significant investment and risk. Understanding and securing the right insurance coverage during the […]
Empower Your Team: How Employee Training Can Prevent Claims and Lawsuits Across Your Campgrounds
In the campground and glamping industry, having well-trained employees is essential for operational success and risk mitigation. A cohesive, knowledgeable staff not only enhances guest experiences but also plays a critical role in maintaining safety and compliance across multiple locations. The Cost of Inadequate Training Consider a tragic story that […]
How to Handle Tree Damage at Campgrounds: Essential Strategies for Risk Management
As camping season approaches, campground managers must prepare for the potential hazards that come with nature, including tree damage. With the increase in extreme weather events—such as wind storms that have become more frequent and intense—being proactive about tree management is crucial. At Marshall+Sterling, our mission is to empower our […]
Who Needs an Umbrella Liability Policy? (Probably You)
Accidents happen, and it’s not uncommon for jury awards and out-of court settlements to run into the millions of dollars. While it’s difficult to pinpoint the monetary consequences of the risks you and your family take each day, are you certain your current home or auto insurance offers you enough protection?
Be Prepared for Unexpected Threats & Dangers
As a business owner, you are responsible for the safety of your employees and property. You need to be prepared for a host of unforeseen dangers that threaten safety, including criminal activity, natural disasters and terrorist acts. Though these events may seem unlikely, they could have catastrophic consequences so it is imperative that you prepare.