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Welcome to Merriam Insurance

The Merriam Insurance 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. Additionally, our network of providers is so extensive that we can get risk personnel on the ground quickly . . . all to make sure that you are back up and running in the event of a loss. Contact us today for a free no obligation quote.

Recent Articles

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    Bundling Your Insurance: What You Need to Know

    Obtaining insurance for your home and auto are necessary expenses. One of the easiest and most common ways to save money on those expenses is to bundle your home and auto insurance. In addition to the potential discounts, which can vary from 10 to 20 percent depending on the company and state in which you reside, the convenience of having one bill for both your home and auto insurance is an additional benefit. Furthermore, the more insurance you purchase through the same company, the more discounts you may receive. Some of the discounts that Merriam Insurance clients receive come from: Owning multiple cars Owning both a home and at least one car Adding a Personal Umbrella policy Possessing a college degree It is important, however, to remember that price isn’t everything, and having the proper coverage is of the utmost importance. Here are some recommendations for better bundling: Compare quotes for bundled policies from several insurers. An independent insurance agent is able to get prices from multiple companies. Agents who sell exclusively for one company can only offer discounts available with that insurer. Ask if the insurer uses a third-party insurance company for either policy. Although you may still save money, you lose the convenience because you won’t be dealing with one insurance company any longer. Regularly review whether the pricing of your home and auto policies is still reasonable. Merriam Insurance clients get better prices for the same products when they consolidate the insurance companies they use. We will […]

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    Church Security: What Are You Doing to Protect Your Congregation?

    Imagine the following scenario:  It is Sunday morning, and 15-minutes after your service begins, a deranged, and heavily armed, gunman enters your church. Who will be in your lobby to intercept him? Are you confident in that person’s or team’s training on how to respond? Have they practiced the appropriate response so that their adrenaline rush does not overpower their knowledge? The thought of having an active shooter enter a church during a service/activity is sobering. Most church leaders we have spoken to have discussed the issue, and come up with some sort of plan, but many are not confident their plan is good enough in the event a gunman actually visits. The church insurance experts on the Merriam team have been studying this issue for several years, consulting with a variety of sources, and even sending one of our staff to a multi-day seminar on preparing for an active shooter. Through this education we have learned, unfortunately, that there is not one universal plan or behavior that can best protect a church. Rather, there are several principles to keep in mind while constructing your plan of action. Because each church has a different geographic location, technology, floor-plan, and staffing availability, each congregation must develop its own unique plan in response to an active shooter, or any similar threat. Here are some principles to keep in mind as you plan: Designate one or two responsible church leaders to oversee the process of formulating the plan. This person does not have […]

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    Directors and Officers Liability Insurance

    Does your organization have a Board of Directors or Senior Executives that help provide direction, influence decision making and help craft policy? Are you on such a board? By participating in such a capacity, somebody becomes personally liable for decisions that they make in that role. In light of the many high profile corporate scandals (i.e. Enron, Health South, Madoff) that have exploded since the late 1990s, elected officials have put the blame for these occurrences at the feet of the corporate leaders. Legislative actions have placed a heavy burden on these individuals to ensure the organizations that they oversee are run in a proper manner. Even if an individual acts in a volunteer capacity, and even if the organization is small, the personal assets of the leader(s) may be at stake. Are you asking yourself, “Do I have insurance for that?” Most people know that one component of a typical homeowner’s policy provides liability insurance; however the liability protection provided by such a homeowner’s policy is limited in scope. A homeowner’s policy is designed to respond to “Bodily Injury” or “Property Damage.” It could also be broadened by a “Personal Injury” endorsement which provides a defense against unintentional acts of libel or slander. An umbrella policy could be added to provide an additional limit of liability. These extra precautions are beneficial, and certainly have their place, but may not be helpful in the event of a claim arising from your activities as a board member of an organization. Such […]

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    How Concerned Should Your Adirondack Inn Be About Bed Bugs?

    Recently, a jury awarded a family $546,000, the largest judgment ever for a bed bug related case, in a suit brought against Liberty Mutual and Hilton Garden Inn, located in Ontario/Cucamonga, California. The lawsuit claimed that a few hours after going to bed, the family awoke with bites and rashes from bed bugs. They demanded another room, but the hotel was fully booked, so they were forced to change lodging. The family further went on to claim that the manager of the hotel knew there were bed bugs in the room but failed to disclose that information. Don’t let the bed bugs bite you! The Inn insurance experts at the Merriam Insurance Agency recommend you take the proper precautions so that a bed bug infestation doesn’t put your Inn at risk for a potentially devastating lawsuit. Inspect secondhand furniture, beds, and couches for any signs of an active bed bug infestation. Purchase high-quality protective covers that encase mattresses and box springs and eliminate many hiding spots. The light color of the encasement will also make bed bugs easier to spot. Reduce any clutter in your Inn to limit hiding places for bed bugs. Vacuum all carpeted rooms, couches, fabric-covered chairs, and tapestries frequently to remove any successful hitchhikers. Be vigilant if you use a shared laundry facility. Transport items to be washed in plastic bags. If you have an active infestation, use a new bag for your return trip. Also, you should remove all laundry from the dryer directly into […]

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    How Concerned Should Your CHN Inn Be About Bed Bugs?

    Recently, a jury awarded a family $546,000, the largest judgment ever for a bed bug related case, in a suit brought against Liberty Mutual and Hilton Garden Inn, located in Ontario/Cucamonga, California. The lawsuit claimed that a few hours after going to bed, the family awoke with bites and rashes from bed bugs. They demanded another room, but the hotel was fully booked, so they were forced to change lodging. The family further went on to claim that the manager of the hotel knew there were bed bugs in the room but failed to disclose that information. Don’t let the bed bugs bite you! The Inn insurance experts at the Merriam Insurance Agency recommend you take the proper precautions so that a bed bug infestation doesn’t put your Inn at risk for a potentially devastating lawsuit. Inspect secondhand furniture, beds, and couches for any signs of an active bed bug infestation. Purchase high-quality protective covers that encase mattresses and box springs and eliminate many hiding spots. The light color of the encasement will also make bed bugs easier to spot. Reduce any clutter in your Inn to limit hiding places for bed bugs. Vacuum all carpeted rooms, couches, fabric-covered chairs, and tapestries frequently to remove any successful hitchhikers. Be vigilant if you use a shared laundry facility. Transport items to be washed in plastic bags. If you have an active infestation, use a new bag for your return trip. Also, you should remove all laundry from the dryer directly into […]

  • bigstock-Bed-Bugs-written-on-blackboard-127061417-web

    How Concerned Should Your Inn Be About Bed Bugs?

    Recently, a jury awarded a family $546,000, the largest judgment ever for a bed bug related case, in a suit brought against Liberty Mutual and Hilton Garden Inn, located in Ontario/Cucamonga, California. The lawsuit claimed that a few hours after going to bed, the family awoke with bites and rashes from bed bugs. They demanded another room, but the hotel was fully booked, so they were forced to change lodging. The family further went on to claim that the manager of the hotel knew there were bed bugs in the room but failed to disclose that information. Don’t let the bed bugs bite you! The Inn insurance experts at the Merriam Insurance Agency recommend you take the proper precautions so that a bed bug infestation doesn’t put your Inn at risk for a potentially devastating lawsuit. Inspect secondhand furniture, beds, and couches for any signs of an active bed bug infestation. Purchase high-quality protective covers that encase mattresses and box springs and eliminate many hiding spots. The light color of the encasement will also make bed bugs easier to spot. Reduce any clutter in your Inn to limit hiding places for bed bugs. Vacuum all carpeted rooms, couches, fabric-covered chairs, and tapestries frequently to remove any successful hitchhikers. Be vigilant if you use a shared laundry facility. Transport items to be washed in plastic bags. If you have an active infestation, use a new bag for your return trip. Also, you should remove all laundry from the dryer directly into […]