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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. 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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    Can Your Campground Function Without Electricity?

    What would happen to your campground business if, through no fault of yours, no electricity was available? What if the power outage occurred during a holiday weekend? While some tent campers might be excited about the opportunity to be in unimproved nature, how would your RV guests feel about paying for a site without power at their hookups? 40,000 vacationers were recently forced off the Outer Banks, the popular North Carolina vacation spot, due to lack of power. The power outage was caused when a construction company accidentally severed both the main power line and the back-up power line to several of the islands within the Outer Banks. In other situations, campgrounds have been without power or water due to a storm that damaged power lines or municipal power-generating equipment. Depending on the amount of time without power or water, campgrounds could sustain a significant loss of income. A week without power not only means a 7-day loss closure, but probably also reduced business in the weeks to come. Reservations are often canceled or not made due to the uncertainly of when power or water would be returned to the campground. Can insurance be purchased for a man-made catastrophe like this? Fortunately, yes—but typically you must specifically request it. The kind of coverage an organization would need to recoup their lost income from an outage like this is “off-premises utility service interruption coverage.” While most loss of income claims are limited to damage that happens to your place of operations, […]

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    Can Your Inn Function Without Electricity?

    What would happen to your inn business if, through no fault of your own, no electricity was available? What if the power outage happened during a holiday weekend or on a weekend when you had a wedding booked? 40,000 vacationers were recently forced off the Outer Banks, the popular North Carolina vacation spot, due to lack of power. The power outage was caused when a construction company accidentally severed both the main power line and the back-up power line to several of the islands within the Outer Banks. In other situations, inns have been without power or water due to a storm that damaged power lines or municipal power-generating equipment. Depending on the amount of time without power or water, some inns could have a significant loss of income. A week without power could mean not only a 7-day closure, but also reduced business in the weeks to come. Reservations are often canceled or not made due to the uncertainty of when power or water will be returned to the property. Can insurance be purchased for a man-made catastrophe like this? Fortunately, yes—but typically you must specifically request it. The kind of coverage an organization would need to recoup their lost income from an outage like this is called “off-premises utility service interruption coverage.” While most loss of income claims are limited to damage that happens to your place of operations, this additional coverage can cover an inn’s loss of income due to power or other utilities not being provided. […]

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    New Group Benefits Department Manager

    The Merriam Agency is pleased to announce the promotion of Shannon McMeel to Group Benefits Department Manager. Shannon has been with the Merriam Agency since 2013, focusing on TPA benefits and administration. She oversees a department that provides Health, Dental, Vision, STD, LTD, DI, Life and PFL benefits to commercial clients, as well as TPA and FSA programs. You may reach her by calling the Merriam Agency toll-free at (877) MERRIAM (637-7426), Ext. 203.

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    Working or Volunteering with Children?

    If you work or volunteer with children it is important to know how to properly protect your organization against potential threats. Abuse and Molestation Coverage protects your organization from the unthinkable act of a defenseless, dependent child being abused or molested. The Merriam Insurance Agency addresses abuse in two parts, prevention of abuse and defending allegations of abuse. Is there adequate supervision? Does the organization you work for or volunteer with have adequate supervision for children in the daycare, free time, field trips, games, class time and so on? A “no” to even one of these areas is an effective “no” to all. The Merriam team works with its clients to offer guidance and proper supervision of youth activities. Supervision protocols should be properly documented in order to aid an optimal defense in a court of law. Is there adequate screening? Does your organization have a procedure that governs who can work with children? Probing questions to volunteers can be awkward, therefore the process must be handled appropriately. While most organizations have some type of policy, they are not always thorough or properly constructed to provide maximum protection. Is there proper training? Proper training of those who come into contact with children is key to preventing abuse. Training helps make those working with children more aware of the realities of abuse, and emphasizes the organization’s stance on abuse prevention. Familiarity is key. While it is exciting to have new volunteers get involved, we encourage our clients to test the character […]

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    Can Your Business Function Without Electricity?

    Recently, 40,000 vacationers were forced off the Outer Banks, the popular North Carolina vacation spot, due to lack of power. The power outage was caused when a construction company accidentally severed both the main power line and the back-up power line to several of the islands within the Outer Banks. The governor of North Carolina declared a state of emergency, causing about 40,000 tourists to leave the Outer Banks earlier than expected. The permanent residents of these islands, and the businesses they run, rely on steady tourist traffic to make their businesses viable. Most of these businesses are closed 3 to 5 months out of the year, so they must meet their year-round expenses by having a busy and consistent summer season. One restaurant owner said that each day he was closed he missed out on $5,000 to $6,000 in sales. His 25 employees, who make between $75 and $250 per day were also not earning their wages. Can insurance be purchased for a man-made catastrophe like this? Fortunately, yes—but typically you must specifically request it. The kind of coverage an organization would need to recoup their lost income from an outage like this is “off-premises utility service interruption coverage.” While most loss of income claims are limited to damage that happens to your place of operations, this additional coverage can cover an organization’s loss of income due to power or other utilities not being provided. This endorsement can include or exclude coverage for damage to overhead power lines. Many […]

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    Health Insurance Renewal Season

    Health insurance renewal season is upon us once again. Every year in recent memory there has been an increase of premium which can be scary and frustrating. The Merriam Agency can ease the frustration of determining which health plan will bring the best overall value to your company and your employees. The Merriam team is contracted with many insurance carriers and has the ability to shop around so you don’t have to . . . at no cost to you! We also offer products that will ease the out-of-pocket costs that many employees will experience when its time to renew their policy. Flexible Spending Accounts (FSA), Health Savings Accounts (HSA), and Health Reimbursement Arrangements (HRA) are terrific additions to your employee benefit program. Businesses are not the only ones that can benefit from the knowledge and experience of the Merriam Agency. If you are an individual looking for health insurance, our staff can help you obtain a great health plan through the Marketplace. So there’s no need to worry. Let the Merriam Agency do the work for you. Contact us today to learn more!