Marshall & Sterling, a regional insurance consultant headquartered in Poughkeepsie, New York, is a trusted partner for clients across multiple states, including New York, New Jersey, Connecticut, Texas, California, and Minnesota. With a diverse client base, they have established themselves as one of the top brokerages in the Poughkeepsie market, offering their expertise to large, midsize, and small employers. One notable example of their exceptional service is their collaboration with Oels, a prominent employer in the employment services industry, comprising 1,630 members. Marshall & Sterling worked closely with Oels' HR and finance team to develop a comprehensive insurance package that included a self-funding arrangement, HMO and PPO plans, as well as a specialized PBM and drug plan. This bespoke approach ensured that Oels' members received tailored coverage to meet their unique needs. Marshall & Sterling's impressive M Score reflects their extensive experience and expertise across various client sizes, industries, and products. They excel in working with self-funded clients, demonstrating their deep understanding of this complex area. Moreover, they have a strong track record in collaborating with HMOs and PPOs to provide the best solutions for their clients' members. Their proficiency extends to working with PBMs and other pharmacy providers, ensuring comprehensive coverage in the pharmaceutical domain. In terms of industry knowledge, Marshall & Sterling boasts a strong expertise in automobile dealerships, educational services, as well as the health care and social assistance sectors. This breadth of experience enables them to navigate the specific challenges and requirements of each industry, ensuring that their clients receive tailored insurance solutions. Marshall & Sterling's commitment to delivering exceptional service, combined with their vast experience and deep industry knowledge, positions them as a reliable insurance consultant for businesses across multiple states. Whether it's assisting with self-funding arrangements, designing HMO and PPO plans, or ensuring effective pharmacy coverage, Marshall & Sterling is dedicated to meeting the unique needs of their clients and providing them with peace of mind.

Marshall & Sterling Insurance, Inc., founded in 1864, is among the largest privately owned insurance agencies in the United States, with total written premiums in excess of $1 billion. An employee-owned company with more than 550 insurance specialists, Marshall & Sterling maintains a national presence, is licensed throughout the nation* and the U.S. Virgin Islands, and is well positioned to serve the requirements of international clients. Marshall & Sterling is a leading broker for all lines of business and personal insurance, specialty risks including bonds, and employee group benefits, specializing in public entities, schools, campgrounds, the hospitality industry, manufacturers, professional and directors and officers liability, health care, construction, specialty programs, workers’ compensation and crime/bond. Marshall & Sterling has direct and preferred relationships with the leading insurance companies, providing clients with the broadest and most competitive programs available in the industry. According to a ranking by the Insurance Journal, Marshall & Sterling is currently ranked 32nd among more than 40,000 privately-held insurance agencies in the U.S. and is ranked among the top performers in the annual Best Practices Study conducted by the Independent Insurance Agents & Brokers of America (IIABA or the Big “I”) and Reagan Consulting. Follow Link to View Disclaimer: www.marshallsterling.com/linkedin-disclaimer

Emery & Webb is a family owned insurance company, in business since 1886, with over 100 trained insurance professionals who serve clients throughout New York's Hudson Valley and across the United States. We offer home, auto, business, life, and group health insurance solutions, as well as insurance and risk management products for specialty markets including dental malpractice, music industry insurance, religious institutions, and non-profit organizations.