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Welcome to the Merriam Agency

The Merriam Agency is an award-winning full-service insurance agency providing commercial, personal, and health insurance, as well as employee benefits. By working with clients nationally, we see the national trends and help you prepare for potential threats. Through our systematic approach to evaluating your risk management and insurance, we ensure that we cover all the bases and properly underwrite your risk. We show you the “must-haves” and present any options that make sense to consider. In addition, our network of providers is so extensive that we can get risk personnel on the ground quickly . . . all to make sure you’re back up and running in the event of a loss. Contact us now by phone or email, for a free, no obligation quote.

Recent Articles

  • Cyber-security-hacker-web

    Don’t be a victim . . . Email fraud in Real Estate transactions is on the rise

    Scams are on the rise. Are you safe? Click here to learn more. Article courtesy of Source of Title.

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    Allowing Safe Day-Use In Your Park

    If you’ve invested resources to make your park a fun place, chances are that people will want to come visit! These visitors are not limited to your camping guests; friends of campers or members of your local community may want to come as well to swim in your pool, play on your playgrounds, see your fireworks, or ride your zip line. If you are considering allowing non-campers to use your amenities, here are some important facts to appreciate: If a visitor gets hurt on your premises, you are just as responsible for their injury as you are for the safety of your camping guests. Even if you have the visitor or camper sign a waiver, they can still sue you in the event of an injury. Your insurance company is able to cover you if you allow visitors, but they usually want to know you’re monitoring visitors in a methodical way. If you want to allow day-use of your premises, here is some advice on how to do it safely: Have a waiver signed for each person using your premises. If families are coming in, have one waiver that will cover the whole family (including kids) to make it easier. One method we recommend is to have one waiver for all activities that is good for the whole season. Have this waiver reviewed by an attorney familiar with the laws in your state. While having this waiver doesn’t prevent a lawsuit, it will be evidence that you advised visitors of […]

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    Protecting your Work Camper while they are on the job

    What happens if a Work Camper is seriously injured? Work Campers are wonderful people who are extremely integral to the operations of many parks. They provide valuable services without the cost of an employee. But what happens if a work camper is seriously injured? What if someone has their hand crushed by a log or piece of equipment, or falls and sustains serious back injuries? Who is responsible for paying for their injuries? Even though most work campers sign a waiver acknowledging the risks of the job, the campground owner (in most states) still bears some liability for that camper’s well-being. This is especially true when evidence can show a particular piece of equipment or part of the park was not properly maintained, or that proper instruction was not issued. It is easy to think of work campers as volunteers, but in the eyes of the Labor Departments in many states, they are considered employees. As a Labor Department would see it, they are following your instructions and working for your business in exchange for remuneration, such as a complimentary site or other perks. In many states, this can fit the definition of an employee and thus be covered by workers compensation. Many parks do not even carry workers compensation insurance, meaning this could be an uninsured loss. Furthermore, many parks also do not think to report work campers and their remuneration to their workers compensation insurer – meaning that the insurance company can be paying a claim for an “employee” they never knew […]

  • partnership agreement

    How effective is your Title Insurance agency’s marketing strategy?

    Click here to learn about some essential marketing strategies. Article courtesy of yourbusiness.azcentral.com.

  • Property Insurance

    Why are Title Insurance Agents vital in Real Estate transactions?

    What are some reasons real estate transactions depend on Title Insurance agents? Click here to find out. Article courtesy of RealEstateRama

  • Property Insurance

    Real Estate Power of Attorney: Top considerations for Title Agents

    Click here to find out what you should consider when utilizing a power of attorney in a real estate transaction. Article courtesy of Reality Times.

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