News
One of the best ways to stay ahead of risk? Stay well informed.
News
ACA Affordability Percentage Reduced to 9.78% for 2020
For the second time in the ACA’s history, the required contribution percentage used to determine whether employer-sponsored health coverage is “affordable” has been reduced.
Seven Insurance Policies for Small Businesses
With so many different types of insurance to choose from, it can be overwhelming to determine what type is best for your small business. Marshall & Sterling, Inc. is here to help explain the types of insurance policies available and how they can help protect you, your employees and your business’s bottom line.
Guidelines for Providing Surge Protection
When it comes to losses of electrical and electronic equipment, few events can match the destruction caused by surges (transients) and electrical noise. These phenomena are responsible for about 50 percent of most electronic equipment failures today—and that doesn’t even begin to take into account the latent damage or degradation to electrical equipment caused by…
5 Mistakes to Avoid When Applying for Auto Insurance
You may not think an error on your auto insurance application is a big deal, but the consequences can be very costly. Giving inaccurate information on your application can lead to increased premiums, policy cancellations or no financial assistance in the event of an accident. To avoid these negative effects, here are the top 5…
Keeping your Pawnshop Safe: Robbery Tips
Keeping your business safe can be a big worry for many jewelers and pawnbrokers—especially around major holidays. It’s not just about having peace of mind when you’re off the clock, it’s also a matter of your business’s long-term survival. The hard part is, it’s impossible to predict when the safety and security of your customers,…
Five Tips to Help Ensure a Smooth Claims Process
Occasionally when a potential new client calls to find out about insuring their horse, they are already a bit hesitant because they’ve heard horror stories of claims not being covered, and they want to know, in the words of a recent potential client who was considering insuring her horse and asked me, “Is this whole…
Insuring Your Horse – Commonly Asked Questions
While talking about horse insurance to prospective clients every day, our representatives field many of the same questions, so we thought we would share some of the more common inquiries in this blog.
Earthquake Preparedness Tips
Earthquakes, one of Mother Nature’s most unsettling phenomena, are unpredictable and can strike without warning. The forces of plate tectonics have shaped the earth over many years, as the huge plates that form the earth’s surface slowly move over, under and past each other. Sometimes, the movement is gradual.
Protect Your Car from the Sun and Heat
Summer can be an intense season. If you don’t take the proper precautions, the sun can severely damage key components of your vehicle. In fact, it’s not uncommon for the exterior of cars to reach 194◦ F when exposed to direct sunlight in the summer. This amount of heat can not only wreak havoc on…
Removing Bedbugs from the Home
Bedbugs are small, parasitic insects that bite people while they sleep and feed on their blood. While most infestations are located in hotels, homes and hospitals, any building with carpet, fabric or furniture is at risk of an infestation.
Tips for Safe RV Usage
Recreational vehicles (RVs) can be a fun way to enjoy nature and spend time with your family. However, because they’re bigger and heavier than an average car, there are additional hazards that come with owning and operating an RV. Many RV accidents can be avoided by following these helpful tips:
IRS Releases 2020 HSA Contribution Limits
The IRS recently released the inflation adjusted amounts for 2020 relevant to Health Savings Accounts (HSAs) and high deductible health plans (HDHPs) via Revenue Procedure 2019-25.