News
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News
The Dangers of Driving and Allergy Medications
In many areas of the United States, 10 out of 12 months of the year is considered “allergy season”. When your body comes in contact with whatever may trigger allergies, it produces chemicals called histamines. Histamines cause the tissue in your nose to swell (making it feel stuffy), your nose and eyes to run, and…
Mandatory Sexual Harassment Trainings in NY
On April 12, 2018, as part of the 2018-2019 New York State Budget, Governor Cuomo signed strong legislation to combat sexual harassment in the workplace. The anti-sexual harassment law requires all employers in New York adopt a sexual harassment prevention policy and training by October 9, 2018.
How Opioid Use Affects Workers’ Compensation
Prescription opioids are the number one workers’ compensation problem in terms of controlling the ultimate cost of indemnity losses. This comes from a recent Lockton Companies report that also states that there’s never been a more damaging impact on workers’ compensation claims than the abuse of opioid prescriptions for the management of chronic pain.
Benefits of Bundling Commercial Policies
Insurance carriers realize that offering additional lines of coverage to an existing customer is less expensive than trying to attract new customers. They also know that the more lines a given customer has, the longer they’re likely to stay with them.
Windstorm Protection Tips for Businesses
Businesses can suffer an incredible amount of damage from windstorms and hurricanes. Before hurricane season hits, business owners can reduce their exposure to these losses by checking on their roof, windows, entry doors and vehicles. Inspect your Building
Start Preparing for Hurricanes Now
Hurricane Season: The Importance of Being Prepared From June through November, hurricanes are at their peak. As we know, heavy rains and catastrophic winds can severely damage or destroy homes and businesses. The best way to minimize damage from a hurricane is to be prepared before one strikes.
Should I Replace or Repair My Car?
While it’s important to repair any issues with your car in a timely fashion, it’s sometimes better to cut your losses and purchase a new car altogether. However, it can be difficult to know when it stops making sense to pay for repairs. Keep the following considerations in mind to help guide your decision:
Proper Gutter Maintenance
Maintaining your gutters is important, as it can help you avoid costly repairs in the future. In fact, if gutters are obstructed and rainwater doesn’t flow properly, damage from rainwater or freezing can add up quickly. In order to keep your gutters in good condition, consider the following tips:
Best of VI Voting is Open
Each year people vote for the very best in the Virgin Islands… Best Hotels, Best Restaurants, and yes…Best Insurance Agencies! The winners are voted on by people both from the VI and the mainland who want to recognize their favorite local businesses.
Marshall & Sterling Announces New Vice Presidents and Senior Vice Presidents
Marshall & Sterling Insurance recently announced the promotion of five employees to the position of Vice President within the agency. The new Vice Presidents are: Chris Harris, Branch Manager of the Kingston, NY office; Yvonne McCrea, Director of Personal Lines; Katy Pagano, Director of Loss Control; Dan Round, Sr.
When Leasing Space to Tenants – Who Owns the Improvements?
Suppose you're leasing a storefront to a retailer that makes improvements to the facility by adding features to help sell its products. During the lease, a fire breaks out and damages the building, including the features added by the retailer to improve the space. When the insurance claims are made, the following questions arise:
Minimizing Customer Injury Risk
Customer personal injury claims can be costly and very damaging to your establishment’s reputation. They can be much more frequent than employee claims in some types of stores, especially warehouses that allow customer access. Employee safety programs are not sufficient to protect customers, who are at risk for many more accidents than employees for three…