When your benefits plan is aligned with long-term business goals, it becomes a strategic asset, not just another cost. We start by exploring your organization’s priorities and the roadblocks ahead, then tailor a benefits framework that's supportive.

A commercial vehicle is more than just a vehicle; it’s a critical aspect of your brand. We help you assess the full exposure of your fleet, align coverage with driver safety and operational realities, and turn risk into resilience.

Gratitude is at the heart of what we do. This Thanksgiving, we’re thankful for the trust our clients place in us, the dedication of our employee-owners, and the communities that inspire us to keep improving every day. From all of us at Marshall+Sterling — we wish you a safe,

Your vehicle does more than move you from A to B … it reflects your lifestyle, your choices, your freedom. Our Personal Risk Solutions for Living take into account how much you use your car, what you could be liable for, and how protection should match your driving habits.

Administering benefits can feel like a full-time job on top of everything else. We’re committed to our legacy of expertise and personalized risk solutions. What if you had a team handling the details: enrollment, renewals, vendor coordination, while you focus on your business?

No business is immune to cyber threats, but not every business needs the same coverage. Through our Tactical Risk Solutions for Business, we dig into where your data lives, how your operations depend on it and how a breach could ripple across your business.

Your horse is more than an asset: it’s a partner, a presence, a commitment. Through our Equine Insurance division we provide mortality and medical coverage tailored to your horse’s use, breed and age. It may be time to rethink protection.

Home is where your story unfolds, and where unseen risks can emerge, especially if you live in a potential flood zone. Through Personal Risk Solutions for Living, we look beyond the front door: assessing flood exposure, identifying areas for improvement, and customizing coverage.

Rising healthcare costs aren’t inevitable; they’re measurable. With predictive risk modeling and deep analytics, we help you identify trends and opportunities to lower plan spend. Insight + action = control.

Leadership decisions steer the ship, but they also affect exposure. Through Tactical Risk Solutions for Business, we help enterprises evaluate their D&O risk, the legal climate, and how coverage can support strategic growth without compromise.

As the weather cools, home safety starts with small habits. • Schedule a professional furnace inspection before winter sets in. • Keep space heaters three feet from anything flammable. • Never leave fireplaces or candles unattended. Preventive steps now can protect your home

You’ve worked hard to build what you have…but a single claim could still put it at risk. Most people only realize their coverage limits after an incident. Umbrella insurance helps bridge the gaps.

For organizations with large employee populations, a “one-size-fits-all” approach doesn’t cut it. At Marshall+Sterling, we take a tactical approach: addressing persistent issues, negotiating ahead of renewal, and bending the cost curve.

Workplace culture is a competitive differentiator, but it can also be a liability vector. With Tactical Risk Solutions for Business, we help you examine hiring, supervision, exit practices, and how your insurance aligns with evolving risk.

From the arena to the pasture, risk follows your horse. Our Equine Insurance team helps owners and farms assess exposures like liability for boarding, training, and commercial activity, and aligns insurance accordingly.

Your treasures tell your story: antique watch, classic car, family artwork. They deserve more than off-the-shelf coverage. With Personal Risk Solutions for Living, we tailor protection for your high-value items, ensuring the policy fits the piece and the people behind it.

Celebrating the season together—and giving back. From team gatherings to supporting local nonprofits, we’re grateful for our people and our community. Cheers to a great year! #HolidaySeason #GivingBack #Grateful

Pharmacy spend is one of the fastest-growing components of health plans…but also one of the most manageable, when you have the right partner. Through comprehensive pharmacy advisory services, we help you uncover savings without sacrificing quality.

Insurance shouldn’t be reactive. Our advisors work with business leaders to identify vulnerabilities, anticipate exposures, and build insurance programs that support long-term objectives. Speak with an advisor about Tactical Risk Solutions for Business

Your home, vehicles, and valuables deserve coverage built around your real lifestyle. Our Personal Risk Solutions for Living are tailored to your evolving journey - from life’s big moments to its unexpected turns, we help you plan for every chapter.