Help from the Handyman: What you need to know

What happens if your KOA’s handyman causes an unnoticed water leak within your walls, causing the growth of a fungus? What if a camper bumps into his ladder and both are injured in the resulting fall? What if he turns out to be a terrible handyman and the roof you...

Fall is just around the corner

I love autumn. The crisp apples in late August remind me that the leaves will be changing soon. Along with the beauty of the seasons, we must ensure a safe environment where we live and work, so that there are no injuries and we can enjoy the beautiful weather. This...

Are my Independent Contractors covered?

This is one of the most common questions I am asked when preparing quotes for E&O insurance. My answer is always the same: “we must look at the policy form to see how your carrier covers Independent Contractors.” More often than not, E&O insurance coverage is usually extended to the...

Marie Belfance

Personal Lines Account Manager
376 Broadway
Schenectady, NY 12305

(877) MERRIAM x 218
(877) 637-7426 x 218

Is it Better to Lease or Buy a Car?

While many consumers want to own the cars they drive, some prefer leasing vehicles that may have lower monthly payments and could require less or no money down. Read More

Liability of Serving Champagne

Do you include wine in romantic packages? What about welcome champagne? While these can greatly enhance the guests’ experience when done correctly, they can also provide a surprising liability issue for inns. For example, a guest consumes the glass of champagne and then has an automobile accident later that evening....

Driving Large Vehicles Safely

“Power lines, roof eaves, and small cars.” One executive director lost no time in describing what donation pick-up drivers need to watch out for. “How do you think I knew that?” he asked, “because they’ve all happened to me!” My observations confirm the executive director’s experience. One of the most frequent claims to come across my desk is a box truck or 15 passenger van hitting another vehicle or building. While the damage is often minor, the costs paid by the insurance company are generally

Directors and Officers Insurance

There are some things of which you should be aware. 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...