Working or Volunteering with Children?

If you work or volunteer with children it is important to know how to properly protect your organization against potential threats. Abuse and Molestation Coverage protects your organization from the unthinkable act of a defenseless, dependent child being abused or molested. The Merriam Insurance Agency addresses abuse in two parts,...

Directors and Officers Insurance

There are some things of which you should be aware. Does your organization have a Board of Directors or Senior Executives that help provide direction, influence decision-making and help craft policy? Are you on such a board? By participating in such a capacity, somebody becomes personally liable for decisions that...

You may have a lawsuit on the horizon . . .

Did you know you could be sued for seemingly innocuous actions? Things such as: the “wrongful imprisonment” of the neighborhood kid you caught lurking in your backyard and suspected him of burglary. In good conscience, you kept him there until the police arrived, but they determined he really was just...

Going the Extra Mile

The early snowfall in Western New York this past winter caught national attention when the Buffalo Bills had to play a “home” game in Detroit, because there was too much snow to get to the stadium. This is a rare problem for people in that part of the state. They...

Drop Dead Deadline

It is common for the Human Resources person at a workplace to pass out new forms every year during open enrollment, requiring every employee to indicate their personal information and that of their spouse and children, as well as the health plan they are choosing, the primary care physician, etc. It seems that there is always a question that cannot be answered immediately so these forms are set aside to complete later. Sometimes, later is after the deadline