Commercial Insurance

When Rising Water Is Called a Flood

There are floods in the news again… seems incessant. Hurricane Sandy just devastated the New York metropolitan area. Duluth is still working to recover from recent flood damage of trout streams and hiking trails. Though we’ll likely have a reprieve for a few months, flood season will come roaring back shortly after we’re lulled to sleep. Most everyone experiences a surprise “flood” in one situation or another, whether a formally declared flood such as caused by hurricane Sandy, or a swamped basement because a sump pump couldn’t keep up following a spring thunderstorm. There are multiple definitions of what constitutes a “flood.” Some floods are addressed easily by insurance, some are clearly excluded.

The Wage & Hour Threat to Your Organization

Brian H. Merriam, CPCU, ARM, AAI, President

Brian H. Merriam, CPCU, ARM, AAI, President

376 Broadway
Schenectady, New York 12305

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

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Brian H. Merriam, CPCU, ARM, AAI, President

Latest posts by Brian H. Merriam, CPCU, ARM, AAI, President (see all)

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
376 Broadway
Schenectady, New York 12305

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Richard Hale

How Changes May Affect Your Insurance Premiums

Rachel Houghton

Rachel Houghton

Account Representative at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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Rachel Houghton

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How to Buy Car Insurance

James Dick, CPCU, AAI

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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

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James Dick, CPCU, AAI

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Directors and Officers Liability Insurance

Joshua D. Crowder, AAI-M

Joshua D. Crowder, AAI-M

Operations Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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(877) MERRIAM x 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
376 Broadway
Schenectady, New York 12305

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(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale

Merriam Insurance Guide to Active Shooter Preparedness

Richard Hale

Richard Hale

Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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Richard Hale
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
376 Broadway
Schenectady, New York 12305

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

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Joshua D. Crowder, AAI-M

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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, AAI

Jon Barron, AAI

Branch Manager at Merriam Insurance Agency
7900 East Union Avenue, Suite 1100
Denver, Colorado 80237

(719) 488-3206 Direct

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Jon Barron, AAI

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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...