Colorado is full of opportunities to take a vehicle off-road. Once a Jeep owner proudly proclaimed that if he couldn’t make it up a snow-packed road, no one could. In the next few moments, my family and I zipped by in our Subaru Forester equipped only with studded snow tires.
I grew up in Pittsfield, Mass and pride myself on being a great driver, not necessarily a “wheeler.” Last summer, my family and I decided to skip the paved Independence Pass (12,000 ft above sea level) to try Hagerman’s Pass (only 11,985 feet) to save 2 hours according to Google. The road narrowed, gravel became rocks, and soon our little Subaru was crawling slowly over what felt like a river bed of football-sized rocks!
After turning around we tore a hole in the side-wall of a tire 20 miles from pavement and well out of cell phone range. After unloading the car, changing the tire, and re-loading, we were finally on our way again. I sure was thankful that the spare had air. And the long way was kind-of nice.
A few things I have learned about “wheeling” is that “regular” tow trucks only go so far. Most are not equipped to safely navigate the off-road, or back road terrain. The few tow trucks that will venture into the back woods charge a fortune. $20 goes a whole lot further if a Good Samaritan should happen by, but most will help for goodwill. Rental car companies don’t like their vehicles off-road – and their insurance may be void when off-road. Make sure your spare is full of air. If you are traveling through water, go very slowly to avoid hydro-locking your engine. Finally, know the terrain and limits of your vehicle to avoid getting high-centered or rolling over.
Expertise. For over 30 years, I've been blessed with diverse experience and many opportunities to listen and develop solutions to meet my clients' goals. I enjoy serving non-profit organizations as a risk management consultant and insurance broker.
Partnership. Partnership with our clients is founded on award-winning service, eduction and solid risk management expertise. Many clients think of our team as an extension of their own staff, providing insight, guidance and insurance brokerage services. It is a privilege to be recognized as a valued partner in helping our partner-clients achieve their risk management and financial goals.
Education. I’m fortunate to interact with great leaders as I teach about insurance and risk management... a normally-tedious topic which we seek to liven up through interactivity, discussion, and real-life examples. We bring a national perspective to the discussion to ensure relevance and practical application. In our seminars and discussions, we promote a wholistic risk management philosophy with practical steps for each person to take back and implement.
I welcome any questions you might have. I would enjoy the opportunity to chat on the phone about your goals, speak with your board about their role in risk management, facilitate staff workshop, or explore whether it might make sense for the Merriam Agency to be your insurance broker.
• Insurance for Non-Profit and Social Service Organizations
• Cyber, D&O, & Employment Practices Liability
• Professional Liability & Medical Malpractice
• Unique & Hard-To-Insure Risks
Colorado Springs, CO