Commercial Insurance

The Wage & Hour Threat to Your Organization

One of the advantages of being a national insurance consultant and risk manager is that it allows us to see legal trends that are growing before our clients are hit with the latest threat, and thereby, we often have time to build a defense before the storms hit. One such...

Holiday Parties: Is Your Company Protected?

Richard Hale

Richard Hale

Marketing Director at Merriam Insurance Agency
Rich joined Merriam Insurance in the spring of 2017 as the Marketing Director. He earned a BA in English Literary Studies from the University at Albany, and has obtained his Six Sigma Green Belt certification from Motorola University.

Rich is most passionate about helping people understand the important benefits of working with an independent broker such as the Merriam Insurance Agency. It is his mission to ensure clients know where they can gain access to everything they would need, should the unthinkable happen.

When he's not working, Rich enjoy's spending time with his two teenage children and their golden retriever Alfred.

Marketing Director
Schenectady, New York

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale

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How Changes May Affect Your Insurance Premiums

Rachel Houghton

Rachel Houghton

Account Representative at Merriam Insurance Agency
Rachel is a licensed insurance Broker with 25 years of commercial and personal lines experience in both sales and service, making her a well-rounded member of the Merriam Agency Service Team.In her spare time Rachel enjoys cooking, gardening, and spending time with her husband and four boys.

Rescue Mission Program Account Manager
Schenectady, NY

Toll-Free:
(877) MERRIAMx 209
(877) 637-7426x 209

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Rachel Houghton

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Keeping up with customer needs is one of the most important parts of a service team’s job. Our service team has decades of combined experience and compassion for our clients’ business and personal needs. Helping you, the client, through changes is part of our daily work. Be it a simple...

Directors and Officers Liability Insurance

Joshua D. Crowder, AAI-M

Joshua D. Crowder, AAI-M

Operations Manager at Merriam Insurance Agency
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 six 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 12301-1038

Toll-Free:
(877) MERRIAMx 224
(877) 637-7426 x 224

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Joshua D. Crowder, AAI-M

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Protecting Yourself Against Wire Fraud

Richard Hale

Richard Hale

Marketing Director at Merriam Insurance Agency
Rich joined Merriam Insurance in the spring of 2017 as the Marketing Director. He earned a BA in English Literary Studies from the University at Albany, and has obtained his Six Sigma Green Belt certification from Motorola University.

Rich is most passionate about helping people understand the important benefits of working with an independent broker such as the Merriam Insurance Agency. It is his mission to ensure clients know where they can gain access to everything they would need, should the unthinkable happen.

When he's not working, Rich enjoy's spending time with his two teenage children and their golden retriever Alfred.

Marketing Director
Schenectady, New York

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

Send Email
Richard Hale

Latest posts by Richard Hale (see all)

Merriam Insurance Guide to Active Shooter Preparedness

Richard Hale

Richard Hale

Marketing Director at Merriam Insurance Agency
Rich joined Merriam Insurance in the spring of 2017 as the Marketing Director. He earned a BA in English Literary Studies from the University at Albany, and has obtained his Six Sigma Green Belt certification from Motorola University.

Rich is most passionate about helping people understand the important benefits of working with an independent broker such as the Merriam Insurance Agency. It is his mission to ensure clients know where they can gain access to everything they would need, should the unthinkable happen.

When he's not working, Rich enjoy's spending time with his two teenage children and their golden retriever Alfred.

Marketing Director
Schenectady, New York

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

Send Email
Richard Hale

Latest posts by Richard Hale (see all)

The following is an overview of how we counsel in the development of an active shooter protocol. This guide is designed to help you utilize resources in your community to craft a response plan that fits your organization. Through this guide you will learn how to: Educate key staff on protocols...

Community Partnerships: Blessing or Liability?

Joshua D. Crowder, AAI-M

Joshua D. Crowder, AAI-M

Operations Manager at Merriam Insurance Agency
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 six 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 12301-1038

Toll-Free:
(877) MERRIAMx 224
(877) 637-7426 x 224

Send Email
Joshua D. Crowder, AAI-M

Latest posts by Joshua D. Crowder, AAI-M (see all)

For many non-profits, forming community partnership relationships with other like-minded non-profits can be extremely beneficial to their operation. The benefits of collaboration are almost innumerable, including: The ability to offer a broader scope of specialized services. Low or no additional overhead costs. Both entities can gain access to each other’s...

Understanding Your Risks for a Pollution Claim

Jon Barron

Jon Barron

Branch Manager at Merriam Insurance Agency
For over 30 years, Jon has been a results-driven leader and entrepreneur. From work flow efficiency to customer service, the results improve the bottom line. As a risk management consultant and insurance broker, Jon identifies inefficiencies, gaps, and areas for cost-savings beyond the insurance policy... and it all contributes to your bottom line.


Branch Manager:
Colorado Springs, CO 80918

(719) 488-3206 Direct

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Jon Barron

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Pollution is a subject that is in the news on a regular basis. Thanks to regular reporting, we are aware of major pollutants caused by big industry. These situations can cause wide-spread, and in some situations, long lasting adverse effects to the air we breathe, the land we inhabit and...

Understanding Business Interruption Insurance

Imagine this scenario. You own a very popular campground and are fully booked for the current summer season. What would happen to your business if the campground was forced to close for part of the summer? How would that affect your bottom line? Business Interruption Insurance is the answer. Kevin...