Marshall+Sterling

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Marshall+Sterling Founded in 1864, Marshall+Sterling is an independent, full-service insurance and risk management agency. business (Business Insurance, July/August 2025).

We help you protect what you’ve built, and what comes next—through a legacy of expertise, personalized risk solutions, and a dedicated team—securing you with the confidence to succeed. We specialize in Tactical Risk Solutions—including business insurance and employee benefits—and Personal Risk Solutions for Living and Wealth, which encompass personal insurance and wealth management services. Headquartered in New York and licensed throughout the United States and the U.S. Virgin Islands, Marshall+Sterling is consistently ranked among the Top 50 brokers of U.S. Our 550+ employee-owners help you protect what you’ve built, and what comes next—through a legacy of expertise, personalized risk solutions, and a dedicated team—securing you with the confidence to succeed.

Most law firms and CPA firms believe they’re well covered. Then a claim hits, and they find out what their policy really...
10/15/2026

Most law firms and CPA firms believe they’re well covered. Then a claim hits, and they find out what their policy really says.

A hammer clause that puts settlement decisions in the insurer’s hands. A retroactive date that wipes out coverage for work done years ago. Cyber sub-limits that were built for 2019, not 2026. As it turns out, the biggest risk isn’t the claim. It’s the gap in coverage when it happens.

At Marshall+Sterling, we lead with education. Most firms don’t need a new policy; they need to understand the one they already have.

For more information, contact Marc Beckman at 516.852.1650 or 516.840.8854 or [email protected]

Open enrollment season is here, and it comes with a compressed window for decisions that affect your whole workforce. Th...
10/13/2026

Open enrollment season is here, and it comes with a compressed window for decisions that affect your whole workforce. This checklist walks through our predict, prepare, and preempt framework, so your team enters enrollment prepared, not scrambling.

Interested in learning more? Contact one of our Employee Benefits specialists today: https://marshsterling.co/47oUa3f

Today we recognize Indigenous Peoples’ Day and Columbus Day. It’s a time to honor the history, culture, and contribution...
10/12/2026

Today we recognize Indigenous Peoples’ Day and Columbus Day. It’s a time to honor the history, culture, and contributions of Indigenous communities while also reflecting on our shared history and the importance of respect, learning and inclusion.

Fall is crunch-time on the jobsite. Crews are racing to close our projects before winter weather hits and material delay...
10/09/2026

Fall is crunch-time on the jobsite. Crews are racing to close our projects before winter weather hits and material delays creep in. We built a quick checklist using our predict, prepare, and preempt framework to help contractors get ahead of it. Swipe through to see where your risk plan stands.

Interested in learning more? Contact a member of our Construction Practice Group today: https://marshsterling.co/4hvLnRN

Our Shelton office is officially open, and we're proud to be putting down roots in Connecticut! This week’s ribbon cutti...
10/07/2026

Our Shelton office is officially open, and we're proud to be putting down roots in Connecticut! This week’s ribbon cutting marks a new home for our team and a new way to show up for clients across Fairfield County and beyond.

We are committed to educating our clients and leveraging our expertise so that our clients can better manage their total cost of risk. We’re excited to bring our relentless client focus to this new region!

The lowest bid isn’t always the winning bid. Sometimes it’s the bid that discovers, after the fact, that required covera...
10/07/2026

The lowest bid isn’t always the winning bid. Sometimes it’s the bid that discovers, after the fact, that required coverage or limits weren’t actually in place. And by then, the job is already underway.

Learn more about why a certificate on file isn’t the same as active coverage, and what actually closes the gap: https://marshsterling.co/4rAHUWV

Our St. Thomas and St. Croix teams recently set aside their to-do lists for two afternoons of flowers, laughter, and a l...
10/06/2026

Our St. Thomas and St. Croix teams recently set aside their to-do lists for two afternoons of flowers, laughter, and a little creativity. At workshops hosted by Shaesugar with local florist Blooming Tings, everyone built their own arrangement and went home with something beautiful.

We are stronger together, and some of our favorite proof is a room full of coworkers swapping ideas and helping each other pick the right stems. Swipe to see what they made!

If you're facilitating New York's Secure Choice program, you've met the state's requirement.It’s important to know where...
10/06/2026

If you're facilitating New York's Secure Choice program, you've met the state's requirement.

It’s important to know where it stops. No employer match. A contribution ceiling well below a 401(k). Participant education limited to what the state provides.

A 401(k) can provide a match, higher limits, and more design flexibility, depending on how it's built. It also comes with real responsibilities Secure Choice doesn't.

For some employers, Secure Choice is genuinely the right long-term answer. For others, it's a floor they've outgrown. Read the full breakdown here: https://marshsterling.co/4xP0Brb

Marshall+Sterling Wealth Advisors, Inc. is a registered investment adviser. Such registration with the SEC or any state securities authority does not imply a certain level of skill or training. Nor does it guarantee future performance or profitability. For more information visit https://marshsterling.co/47wR1yk or https://marshsterling.co/4jvtvsO.

Every campground season brings new staff, new guests, and new ways for a routine day to turn into a serious incident. A ...
10/05/2026

Every campground season brings new staff, new guests, and new ways for a routine day to turn into a serious incident. A recent case shows just how high the stakes can be, and why training can’t be treated as a one-time checkbox.

Read the full article here: https://marshsterling.co/4rDRubf

“Too small to self-fund,” is one of the most repeated lines in employee benefits. It’s also usually wrong.Fully insured,...
10/02/2026

“Too small to self-fund,” is one of the most repeated lines in employee benefits. It’s also usually wrong.

Fully insured, level-funded, self-funded, group captive: where an employer actually sits on that spectrum should be modeled against real data, not assumed from headcount alone.

Swipe through to see the four stops, then read how one district modeled its way to a 1% renewal decrease: https://marshsterling.co/4AG1eGh

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Corporate Headquarters/110 Main Street
Poughkeepsie, NY
12601

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