General

Is Your Church Vulnerable to the Internet?

Almost all churches are involved in some way with use of the internet. You probably communicate with committee members via email or perhaps pay some bills online. Many churches also have a website or Facebook page as a way to connect with their congregations and the community. Or perhaps you...

How to Insure Your Valuables

All of us have possessions that are specifically valuable to us—a unique coat, a watch from a grandfather, or a musical instrument, to name a few. Sometimes that value is purely sentimental, but other times the coat, watch, or instrument has a significant market value as well. This intrinsic worth...

An Unexpected Journey of Growth

Jennifer Holt, ACSR
Jennifer Holt, ACSR

Latest posts by Jennifer Holt, ACSR (see all)

My name is Jennifer Holt. I began my journey with the Merriam Insurance Agency in 2009 as a Professional Liability Account Manager. During my years of service at Merriam, I have worn several hats. My responsibilities have ranged from customer service to department management and development and marketing of an...

Employment Practices Liability Insurance

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

Latest posts by Jon Barron (see all)

If you think an allegation of sexual harassment, retaliation, or discrimination will never be made against your organization—think again. Employment-related claims impact organizations of every size, in every industry and can disrupt businesses, hurt employee morale, damage reputations and cost businesses financially. Employment Practices Liability Insurance (EPLI) may be the...

What to do after an Auto Accident

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

Latest posts by Richard Hale (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.

Long-Term Care Insurance

A close relative of mine has always been a saver. He would squirrel away money and only bought used cars rather than new. When it came to wanting something that was new, even if it was on sale, he would instead choose to purchase used if in fact he couldn’t...

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

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)

To stay viable, businesses are required to sustain higher revenues than expenses, and the auto insurance industry is no different. Auto insurers gain revenue from the premiums their customers pay and incur expenses when fulfilling their obligation to pay for damages. If total claims are higher than total premiums, the...