New York State Defensive Driving Course

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! Join Brian Merriam, CPCU, ARM, AAI in Schenectady at 376 Broadway for State sanctioned Defensive Driving.  This 6-hour, two night course (3 hours each night) is valid for 3 years and can...

Additional Insureds? Here are the Facts

I received a phone call from one of my cross country ski club association clients recently asking advice about one of their members. The member was asking the club to name them as an additional insured on the racing association’s liability insurance as an “Additional Insured,” believing that would protect them...

Controlling Health Insurance Costs

Despite the declarations of politicians, statistics show the cost of health insurance continuing to rise dramatically. Newton’s third law of physics, “for every action, there is an equal and opposite reaction,” applies in economics as well as physics. As our government continues to make “free services” available along with reducing payments, the costs are showing up in other areas. Quite simply, insurers are passing along the cost to the person who writes the checks. “Value-Based Purchasing” (kind-of a reverse version of pay-for-performance) and “Reduced Payments for Hospital Readmissions” are the two most

A Roll of the Dice

On February 8th, a new casino opened in my home town. The Rivers Casino is now operational and “redistributing wealth” on behalf of those who enter its doors. Some will win, most will lose, the house will win a cut; so too will the tax collectors in our city, county,...