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Insight & advice from the experts at Marshall & Sterling

 
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April Is Distracted Driving Awareness Month
Review the following article for more information on distracted driving and ways you can help prevent it.
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What’s a MOD and How Can it Impact my Construction Projects?
Worker's Compensation is a complex issue for most businesses to manage. If you aren't attentive to it, your construction company may be liable for injuries.
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Uninsured Subcontractors Can Be Costly
Subcontractor liability insurance is a must for property owners and general contractors. If subcontractors are uninsured it can leave everyone exposed.

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The Top 5 Reasons Safe Place to Work lawsuits are on the rise in New York State
Safe place to work lawsuits have been on the rise in New York, as a result of the New York State Scaffold Law & other factors. Learn about their impact.
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Breaking Down Common Commercial General Liability (CGL) Policy Exclusions
Commercial general liability (CGL) insurance is an essential form of coverage for any organization. Such a policy can provide much-needed financial protection if an organization is held liable for injuring third parties or damaging their property amid nonprofessional negligent acts or in the course of its usual business operations. This type of insurance may also cover instances in which an organization is held responsible for causing personal and advertising injuries. When these incidents occur, CGL coverage can help reimburse various expenses incurred by the impacted organization, including legal defense costs and compensatory and punitive damages.
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What’s Your Cost of Risk Management?
Marshall & Sterling takes a total cost of risk approach by tailoring your risk management program to look to the end game - your price.
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Final Rule Released on Short-term, Limited-duration Insurance and Fixed Indemnity Coverage
On March 28, 2024, the U.S. Departments of Labor, Health and Human Services, and the Treasury (Departments) released a final rule on certain types of health coverage that are not subject to the Affordable Care Act’s (ACA) consumer protections, namely short-term, limited-duration insurance (STLDI) and fixed indemnity coverage. This rule finalizes some of the changes included in a proposed rule from July 2023.
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Job Openings Projected to Trend Back Up in April
The U.S. Bureau of Labor Statistics recently released its April Job Openings and Labor Turnover Summary. The monthly report revealed an unexpected 10.1 million job openings in April—compared with a revised 9.745 million in March—following three months of declines.
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Training Temporary Workers and Worksite Supervisors
Any host employer (HE) that utilizes temporary workers (TWs) through a staffing company (SC) may be opening themselves up to safety and health challenges. When done haphazardly, these nonstandard short- and long-term work arrangements can threaten the safety and health of the workforce and the company. According to OSHA, the HE and the SC are joint employers of TWs, meaning they are both responsible for providing and maintaining a safe work environment for these workers.
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2024 Construction Struck-by Stand-down Takes Place in April
The National Occupational Research Agenda Construction Sector will host their annual National Stand-down to Prevent Struck-by Incidents. This stand-down will take place April 15-19, 2024, in coordination with the National Work Zone Awareness Week. The goal of the initiative is to stop, talk and act. Talking about potential struck-by risks on the job site can help prevent struck-by incidents from being the leading cause of death among construction workers.
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