SECURE YOUR SUCCESS
Getting out in front of risk has its rewards.
Achieving success is one thing. Securing it is another. At Marshall+Sterling, we’re driven to help you reach your business and lifestyle goals—and protect them as the future unfolds.
What We Do
Minimize risk.
Maximize success.
Marshall+Sterling is an independent agency focused on protecting clients with customized business insurance, employee benefits, personal insurance, equine insurance, and wealth management services.
Business Insurance
The world is full of uncertainty. Marshall+Sterling’s business insurance and risk management experts customize plans to help safeguard your business.
Employee Health and Benefits
Marshall+Sterling’s employee benefits experts design and implement compliant benefits programs to fit your business’s needs, culture, and strategic plan.
Personal Insurance
Whether for your home, auto, recreational vehicles, or life and health, we have solutions to protect you from whatever life throws your way.
Retirement and Wealth
Dedicated to simplifying the complexities of the financial world and supporting you in achieving and protecting what matters most.
Equine Insurance
Our Equine Division specializes in personalized plans that encompass a full range of equine, farm, and ranch insurance coverage.
Why Marshall+Sterling?
The Marshall+Sterling difference.
Our vision, purpose, and core values are at the forefront of all that we do. We invest heavily in talent and technology to continually drive our leading principles as we advance our service delivery and the guidance we provide our clients. Learn more about how we are remaining on the vanguard.
“Marshall+Sterling has always been there when I needed help with insurance for a new building project, landlord insurance, or getting competitive rates for homeowner’s insurance. The local agents are fast, helpful, and professional.”
Shannon, Poughkeepsie, NY
Experience
Marshall+Sterling has 160 years of experience working across a range of industries.
People
You are supported by a dedicated team of risk protection and claims experts.
Process
Our customer-focused planning is based on your unique needs and risk tolerance.
Tools
We use state of the art analytics and predictive modeling to glean actionable insights.
Culture
Marshall+Sterling is employee-owned, which means we’re invested in your success.
“There is a great team oriented feeling, but at the same time I am given the independence and leeway that makes me feel like the owner of my own business.”
Matt Cronin, Sales Management
Careers
Join our growing team.
We’re creating a culture where creative, motivated, and caring people come together to build something meaningful. Build your career at one of the largest employee-owned independent agencies in the nation.
Explore our latest insights.
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Answers to Your 5 Most Common Horse Insurance Questions
As I make my way through social media, taking the pulse of horse owners and their thoughts on equine insurance, a common post reads something like, “Hey hive mind – I’m thinking about insuring my new horse. Any thoughts?” Responses range from recommendations to warnings, and there is almost always […]
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PCORI Fees Due by July 31st
Employers who sponsor self-insured coverage—including health reimbursement arrangements (HRAs) and certain flexible spending accounts (FSAs)—are responsible for filing and paying the Patient-Centered Outcomes Research Institute (PCORI) fee by July 31st of the calendar year following the end of the applicable plan year. The fee is paid as an excise […]
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Health Plans Must Expand Coverage for Breast Cancer Screening for 2026
Effective for plan years beginning after Dec. 30, 2025, group health plans and health insurance issuers must expand their first-dollar coverage for preventive care for women to include additional breast cancer imaging or testing that may be required to complete the initial mammography screening process. In addition, health plans and […]
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Federal EEO-1 Data Collection Now Open!
The EEO-1 mandatory data collection online filing system is now open for employers to submit 2024 EEO-1 Component 1 reports. What is the window when I can submit my filing? The submission period runs from May 20, 2025, through June 24, 2025. Who Does This Impact? The EEO-1 […]
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IRS Announces 2026 HSA and HRA Limits
The IRS recently released Rev. Proc. 2025-19, announcing the 2026 calendar year dollar limits for health savings account (“HSA”) contributions, the minimum deductible amounts, and maximum out-of-pocket expenses for high deductible health plans (“HDHPs”) and the excepted benefit health reimbursement account (“EBHRA”) limit. By law, these limits are indexed annually […]
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Employers Should Start Preparing for 2025 RxDC Reporting
Group health plans and health insurance issuers must submit detailed information on prescription drug and health care spending to the Centers for Medicare & Medicaid Services (CMS) on an annual basis. This reporting is referred to as the “prescription drug data collection” (or “RxDC report”). The next RxDC report is […]
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Spring Checklist
Punxsutawney Phil decreed 6 more weeks of winter about 5 weeks ago, so if you haven’t already, it’s time to get ready for spring—and here are some tips and resources to help! Horse Health VaccinesTypical annual care vaccines throughout the US include Rabies, Tetanus, WNV (West Nile Virus) and EEE/VEE […]
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NYS Managed Care Organization Tax
The Centers for Medicare and Medicaid Services (CMS) recently approved New York’s Managed Care Organization tax (MCO), effective January 1, 2025. This new tax on health plans, authorized by the NYS 2025 Budget, aims to enhance state Medicaid funding. The tax will apply at varying rates based on plan type […]
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Cyber Insurance for the Construction Industry: Why It’s Worth the Investment
In a recent Travelers Insurance Group construction industry survey, participants ranked cyber threats as their top concern for the fourth time in six years. Despite these concerns, contractors still lag behind when it comes to either purchasing Cyber Insurance or being proactive in fighting Cyber incidents. Despite 80% of respondents […]
our Community
Making a difference where we work and live.
Our values drive us and our people inspire us. We are committed to being a strong regional partner and playing a key role within the communities we serve.
our history
We have served you for over 160 years, and we’re still going strong.
Since 1864, Marshall+Sterling has been the name synonymous with outstanding insurance coverage and customer service.
At left: Joseph H. Marshall and Graham L. Sterling.
At left: Joseph H. Marshall and Graham L. Sterling.
Contact Us
We’re here to help secure your success.
Whether you are looking for employee benefits plans; insurance for your business, home, auto or personal effects; or wealth management and financial planning services, we provide a comprehensive set of services to help you achieve success the way you define it.
Marshall+Sterling by the numbers.
#36
largest independent US insurance brokers
100%
employee-owned business
$1B+
in written premiums
200+
insurance carriers
represented
500+
professionals
160
years of service experience
22K
clients served