Defensive Driving

Save $$ on your auto insurance and reduce up to 4 points off your license by taking the New York Safety Program’s Defensive Driving Course!

Or take the entire course online, by clicking the banner below.

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. 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

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

    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 […]

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

    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 […]

  • bigstock-Massage-Of-Shoulder-6250463-web

    Does Your Adirondack Inn Offer In-House Massage Therapy?

    Massage therapy has been proven to reduce pain and stress, improve overall circulation, increase immune efficiency and flexibility, and improve overall appearance. With this in mind, it is more and more common for inns to offer in-house massage services to their guests. If this is a service your inn offers, it is important for you to know and understand the potential risks to you and your business. When it comes to offering in-house massages to your guests, you basically have two options from which to choose: you can hire on-staff massage therapist or contract with an independent therapist. In either case, the therapist must be licensed by the State. Whichever arrangement you choose, there are some important risk management items to consider. You want to have general liability insurance covering the massage therapist, should they accidentally trip a guest or cause some immediate injury while on premises. If you hire the therapist, or get a portion of the total fee paid by your guest, you need to be sure your insurance policy is able to protect you and the inn. You also need professional liability insurance, in case the therapist performs an incorrect technique on a guest and injures them. Again, if you are receiving some kind of remuneration for arranging services for the guest, you need to be sure your insurance protects you for your part in this service, even if your part is only helping to set the appointment and hosting the therapist. Keep in mind that allegations […]

  • bigstock-Massage-Of-Shoulder-6250463-web

    Does Your CHN Inn Offer In-House Massage Therapy?

    Massage therapy has been proven to reduce pain and stress, improve overall circulation, increase immune efficiency and flexibility, and improve overall appearance. With this in mind, it is more and more common for inns to offer in-house massage services to their guests. If this is a service your inn offers, it is important for you to know and understand the potential risks to you and your business. When it comes to offering in-house massages to your guests, you basically have two options from which to choose: you can hire on-staff massage therapist or contract with an independent therapist. In either case, the therapist must be licensed by the State. Whichever arrangement you choose, there are some important risk management items to consider. You want to have general liability insurance covering the massage therapist, should they accidentally trip a guest or cause some immediate injury while on premises. If you hire the therapist, or get a portion of the total fee paid by your guest, you need to be sure your insurance policy is able to protect you and the inn. You also need professional liability insurance, in case the therapist performs an incorrect technique on a guest and injures them. Again, if you are receiving some kind of remuneration for arranging services for the guest, you need to be sure your insurance protects you for your part in this service, even if your part is only helping to set the appointment and hosting the therapist. Keep in mind that allegations […]

  • bigstock-Massage-Of-Shoulder-6250463-web

    Does Your Inn Offer In-House Massage Therapy?

    Massage therapy has been proven to reduce pain and stress, improve overall circulation, increase immune efficiency and flexibility, and improve overall appearance. With this in mind, it is more and more common for inns to offer in-house massage services to their guests. If this is a service your inn offers, it is important for you to know and understand the potential risks to you and your business. When it comes to offering in-house massages to your guests, you basically have two options from which to choose: you can hire on-staff massage therapist or contract with an independent therapist. In either case, the therapist must be licensed by the State. Whichever arrangement you choose, there are some important risk management items to consider. You want to have general liability insurance covering the massage therapist, should they accidentally trip a guest or cause some immediate injury while on premises. If you hire the therapist, or get a portion of the total fee paid by your guest, you need to be sure your insurance policy is able to protect you and the inn. You also need professional liability insurance, in case the therapist performs an incorrect technique on a guest and injures them. Again, if you are receiving some kind of remuneration for arranging services for the guest, you need to be sure your insurance protects you for your part in this service, even if your part is only helping to set the appointment and hosting the therapist. Keep in mind that allegations […]