Marshall and Sterling

All Directors' & Officers' Policies Are Not the Same!
Does your policy provide Unlimited Defense Costs? If not, legal defense costs will erode your limits. 1st Dollar Legal Defense? Without this, your organization may be responsible for the retention limit, which could be thousands of dollars! 

This Month's Topic...

Health Care for Nonprofits
March, 2012

The Patient Protection and Affordability Care Act (PPACA) affects a number of important health care topics for nonprofits. Make sure your organization is well informed about the pending changes so you can be compliant with these new rules and regulations.

 Click on the links at right to read more...>>

Have a question or need a quote?

Contact...
Genevieve Kennedy, CIC, CISR - Marshall & Sterling's  nonprofit insurance specialist.

518-943-3900, ext. 13
Email Genevieve here... 
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Read helpful articles from previous months' postings here in our archive.

Resource. Documents:  

10 Easy Ways to Stretch Your Health Care Dollars
What to do to protect your pocketbook  

You’ve no doubt noticed that each year, your health care costs go up. This continuing trend can significantly impact your budget. While it’s difficult to control all the factors that contribute to rising health care costs, stretching your health care dollars is easier than you think with these 10 easy ways to get the most bang for your buck.  Read more...  

Health Care Reform - Legislative Brief  

Health care reform brings a number of changes for employers and health plans in 2012. As employers prepare to comply with new requirements, they need to be aware of how health care reform will affect them in the coming year. This Marshall & Sterling, Inc. Legislative Brief provides a compliance checklist for employers for 2012. Read more...   

Live Well - Work Well Newsletter 

The 2011 National Nutrition Month theme is “Eat Right with Color,” which means making sure your plate has a variety of color and nutrients at each meal. The American Dietetic Association offers a color guide. Read more... 

Benefits Bulletin

Employee or independent contractor? The answer has serious implications on your tax and benefit obligations, and you are also liable for significant financial penalties if you misclassify your workers. Read more...

The
Marshall & Sterling
Advantage:

• Preferred & Direct Relationships with Top Nonprofit Insurance Carriers
  
  
• Leading Industry Coverage & Pricing for Directors' & Officers' Liability, and much more...
  

Need Assistance?
Contact us directly...
800-724-0695 

Or email our licensed nonprofit specialists:

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518-943-3900, ext. 22

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518-943-3900, ext. 33  

Marshall & Sterling provides a broad range of coverages for nonprofits, including:

• Directors' and Officers' Liability
• Employment Practices Liability
• Fiduciary Liability
• Professional Liability
• Property
• General Liability
• Commercial Auto
• Umbrella
• Workers' Compensation
• Disability
• Special Events
• Crime
• Inland Marine
• Accident, and more

We also provide unmatched services, including:

• Certificates of Insurance
• Binders
• Posting Notices
• Summary of Insurance
• Endorsements
• Audits
• Policy Information
• Invoice questions
• Applications
• Quotes
• Help with "what if" questions

Protecting your nonprofit organization from loss is paramount to your mission and success.
Read these Claims Scenarios to find out why you need to be insured for any eventuality.

HR Exec Support
Great American has joined forces with ePlace Solutions to make regulatory compliance easier. Together we are providing on-line tools, legal updates, compliance forms, training programs and expert guidance to assist our policyholders' implementation of employment practices, policies & procedures... read more.

Sign up today: Customized Human Resource... Risk Management... OSHA Website Portal...
All provided at no cost to clients!

Documents available in MS Word format for easy editing; automatically customizes with your firm’s information including ready to print articles, brochures, forms and reports covering a variety of insurance and risk management topics.

• Personalized Employee Manual... 
  A value-added service provided exclusively to nonprofit clients
• Human Resource Assistance, including...
- Benchmark surveys and assistance
- Compliance and plan designs
- Employee education & communication
• Consumer & health related articles/newsletters
• Legislative guides - COBRA, HIPAA, HIPAA Privacy, Section 125, FMLA...
• Safety Training Presentations/Resources
• OSHA Tracking System Online
• Legislative News
• Community Forums

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