Church Insurance Coverage

Brian H Merriam, CPCU, ARM, AAI, President

Brian H Merriam, CPCU, ARM, AAI, President

Brian began his career in the insurance business with his father in 1983 as a general lines producer. Since his father's retirement in 1989, he has been responsible for agency personnel, marketing and sales strategy. He instructs on insurance and risk management topics for various organizations around the United States and is active in church and community affairs. He is married and the father of three children. Brian considers himself blessed to work with his clients and staff and trusts that the Merriam Agency is making a positive difference in the lives of others.

376 Broadway
Schenectady, NY

(877) MERRIAM x 201
(877) 637-7426 x 201

Joshua D. Crowder, AAI-M

Joshua D. Crowder, AAI-M

Josh joined the Merriam team in 2011 in a management and production capacity. He holds a BS in Economics from Siena College and has more than 10 years in the Commercial Banking and Municipal Finance arenas. Josh holds his New York State Property and Casualty, and Life, Accident and Health licenses. He is currently pursuing a Master’s Degree from Mid America Baptist Theological Seminary, and is simultaneously studying to increase his depth of insurance knowledge. Josh is married and the father of five children. He is thrilled to have the opportunity to provide his clients with the personal attention and value in service that they expect.

Operations Manager
Schenectady, NY

(877) MERRIAM x 224
(877) 637-7426 x 224

James Dick, CPCU, AAI

James Dick, CPCU, AAI

James is a licensed Property and Casualty broker working as Sales Manager for all of Merriam’s insurance programs. He and his wife love to travel and eat foods from around the world. James holds a BA in Classics from Washington and Lee University.

Sales Manager
Schenectady, NY

(877) MERRIAM x 219
(877) 637-7426 x 219

Jon Barron

Jon Barron

Few people seek friendship with a car salesman... but that's neither the reason I entered nor exited the car business. Today, many people refer to me by a number of titles, one of which is insurance salesman, but the title only covers one small aspect of my roles. I hope I'm able to bring honor to each role I fulfill – husband, father, elder, teacher, facilitator, mentor, woodworker, fisherman, and more.

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

Branch Manager:
Colorado Springs, CO

(719) 488-3206 Direct


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

Church Supplemental Application

Custom-tailored insurance & risk management plans for your church

You should be able to rest assured knowing that your insurance policy covers and considers everything necessary to run your ministry.  From youth activities to community outreach ministry, a variety of risks and liabilities threaten the safety and influence of your church. We offer Church Insurance coverage to meet the needs of your congregation and ministry, including: the physical building and contents, theft, pastoral counseling, directors’ and officers’ coverage, and much more.  The Merriam Agency will evaluate potential risks of the church and tailor a plan that addresses those needs by A-rated insurance carriers.

Risk Management Advice for Churches - Staff Members & Volunteers

  • Choose staff members and volunteers with utmost care.
    • Bookkeepers, drivers, and youth workers, for example, should be carefully screened.
    • Require a written application for volunteer, as well as paid, positions.  These applications should have reliable references listed; as a church member or leader, reach out to these references to get an honest assessment of the applicant.
    • Conduct background/criminal records checks.
  • Be attentive to negative information about any worker.
    • If anyone feels unsafe with a staff member or volunteer, it is important to investigate further into the issue and the possible harm done or threatened.
    • Set restrictions and boundaries for those employed by or volunteering under your church to abide by.
    • Any ignored allegation could potentially pose risks; liability and punitive damages, for example, are not covered by insurance.  Church board members may also face personal liability if steps are not taken to ensure the safety of the church, once a potential risk of harm has been identified.
For more risk management and insurance information, call or email us! Be sure to check out our blogs, articles, and social media pages, and fill out the application for church insurance.

What you're saying about us...

“We were able to reduce our budget significantly while maintaining the same level of health insurance coverage as before.  I would be happy to recommend your agency’s services to anyone who might be considering any form of insurance coverage.”

– Rev. N. Bradley Jones / Christ Church

“Words cannot express how much we appreciate you taking the time to help us with our insurance needs. Your diligence, understanding of our situation, patience with us, and personal attention during our time of transition from one agency to another cannot be overstated. The savings we realized on our premiums will be a significant help to us.”

– Bro. Jim Jordan, Executive Director / Mission of Hope Ministries, Inc.