General

What to do after an Auto Accident

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

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Richard Hale

What is a Personal Umbrella Policy? Why Do You Need One?

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

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James Dick, CPCU, AAI
Latest posts by James Dick, CPCU, AAI (see all)

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.

Why Do Auto Rates Increase and What Can I Do About It?

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

How to Be a Good Board Member

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

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James Dick, CPCU, AAI
Latest posts by James Dick, CPCU, AAI (see all)

Service Line Coverage: What You Need to Know

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

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James Dick, CPCU, AAI
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The Benefits of taking a Defensive Driving Course

376 Broadway
Schenectady, New York 12305

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

Medicare Eligible Employees?

Health Benefits Account Executive at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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Lisa Rice
Latest posts by Lisa Rice (see all)
There are only certain times when people can enroll in Medicare. Depending on the situation, some people may get Medicare automatically, and others need to apply for Medicare. The first time you can enroll is called your Initial Enrollment Period. Your 7-month Initial Enrollment Period usually: Begins 3 months before the month you...

Two New Types of HRAs Expand Heath Reimbursement Arrangements

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

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Shannon McMeel
Latest posts by Shannon McMeel (see all)
On October 12, 2017 President Trump issued Executive Order 13813 promoting Healthcare Choice and Competition across the United States. This took the form of a Notice to expand the flexibility and use of Health Reimbursement Arrangements (HRAs) to provide more Americans with additional options to obtain quality, affordable healthcare. The proposed...

Tips to Help Prevent Carbon Monoxide Poisoning

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

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Richard Hale
CO is a colorless, odorless gas produced by the incomplete burning of any carbon-containing material, including gasoline, natural gas, propane, coal or wood. CO is dangerous because it replaces oxygen in the blood and interferes with the transport of needed oxygen to cells in the body. Carbon Monoxide Safety Tips...