Within the first month of my move to Colorado in 2008, we saw enough bear activity to eliminate any need to visit bears at a zoo. We were living in the National Forest, about 8 miles from civilization, and it gave us a quick education in risk management amongst the“wilderness interface.”
The first lesson was a bear routinely tearing the corrugated sheet metal off of our dumpster lids in search of a midnight snack. Next was the 350 pound “cutie” bumping on the front door while chewing on our hummingbird feeder. Then there was the bear that tore out the window of the back porch, ate a bag of trash, about 10 pounds of hot chocolate, and topped off the meal with about 20 pounds of rat poison for dessert.
In order to prevent these incidents from happening in the future, we practiced risk management by regularly taking out the trash, and improving the window installation, and moving the hot chocolate. By carrying insurance, we were prepared in case the damages were far greater (like if a guest was injured).
When we have an experience that is not desirable, we should often ask ourselves if there is any way to avoid it in the future – or if there is anything we can do to minimize the damage. This type of risk management can be applied to any threat.
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