Inn and Bed & Breakfast Insurance Program

James Dick, AAI

James Dick, CPCU, AAI

James is a licensed Property and Casualty broker working as an Account Executive for a number of Merriam’s insurance programs. He is a native of Schenectady who enjoys traveling abroad. James has a BA in Economics and Classics from Washington and Lee University.

Account Executive
Schenectady, NY

Toll-Free:
(877) MERRIAM (637-7426) x 219

OR

Fill out an application online. We will review it and contact you as soon as possible.

Bed & Breakfast Insurance Application

Bay View Home

Every guest experience should be spectacular since word-of-mouth is a powerful advertising tool. Every detail from pristine linens to the fresh-baked bread create the atmosphere of a great inn. However, when a guest is unexpectedly injured, we believe you should have confidence that your insurer will meticulously follow-up on every detail to ensure that same level of personal care.

Recent studies show half of small businesses are under-insured by as much as 50%. Under these conditions, if you sustain a loss, you’d only receive about half of the compensation needed for replacing or repairing damages.

A great insurance agent will handle the details which will simplify and enhance your life. Our Team at The Merriam Agency will watch the little details, handle your concerns with care and demonstrate our expertise so you are free to care for your guests without worrying about insurance coverage. We will gladly set review and renewal dates that are most convenient for you.

Our Bed & Breakfast Plan offers competitively priced coverage for:

  • Buildings and outbuildings
  • Personal Property
  • Commercial Business Liability
  • Guest Personal Property
  • Appliances for refrigeration, cooking & laundry, even food spoilage
  • Employee Theft
  • Umbrella
  • Extra expenses when a loss occurs

The Merriam Agency is exclusively endorsed by the Christian Hospitality Network (CHN) and has negotiated a special discount off your annual insurance premiums for qualifying CHN-Member Inns.

What you're saying about us...

“I smile as I write this letter… in an era where customer service is expected, it is minimally presented—however seldom embraced.
You are an exception to this norm

Any agent can sell me a policy, however, you sold me your business and proved to me that Merriam Insurance will be there for me at all times. You called me, after I made a decision to use another agent to see if I was happy with my new insurance. Honestly, I never expected you to call and ask that question.
It blew me away! 

At that point, I immediately realized two things; first, that I had made an error in judgment and, second, in a two-second flash (one of those ‘AHA’ moments), that you were genuinely concerned about my business!      

You have proven to me, above and beyond, that you are what I and most innkeepers should have  as their  insurance partners.

-Cheryl Blais, The Maples at Warner   www.themaplesatwarner.com

“James Dick was very professional and thorough & did a great job to get competitive quotes back from insurance carriers so that I was able to switch over my coverage before my current policy expired on May 30, 2016.”

-Christi Kerrigan, Bear Mountain Inn