Many of us carry some type of insurance to deal with accidents and catastrophic loss. Finding the right combination of coverage is crucial for protecting your personal and/or business assets. The Merriam Agency takes pride in our ability to offer clients the coverage they need in order to achieve their protection goals. Finding and keeping an insurance plan, that is both comprehensive and affordable, is our top priority for our clients.
It is difficult to do much business in the current environment without taking advantage of some of the conveniences afforded by technology. As businesses expand the use of time saving and efficiency-improving devices, those involved in organized crime are doing the same.
Increasingly, AGRM member missions are seeing the financial opportunity of used car sales operations. These operations benefit both the donor and the mission. The donor obtains a tax-deductible receipt for donating a working automobile to a charitable organization, and the mission receives a vehicle which provides a source of revenue when it is sold. Risks To Be Considered However, the typical insurance policy excludes
Now that the Affordable Care Act (aka “Obamacare”) is underway, many missions are looking for ways to comply with the act, but not bust their budgets. Some tools are available that might make sense to consider. Consumer Driven Health Plans (CDHPs) are growing in popularity. Recently, a major health insurance carrier announced that
I usually avoid the use of clichés, but this one is just too obvious to ignore: “An ounce of prevention is worth a pound of cure.” Ben Franklin was certainly right, though I doubt he imagined he would ever be quoted in Rescue Magazine 250 years later! However, when it comes to preventing losses before they happen, he was extremely sage. The amount of money that is lost on insured claims may be huge. Additionally, they are typically a time waster, exacerbated by the work and energy that must be expended to even file a claim. Such possible expenses to the ministry include
Most leaders have no idea whether or not their business or organization carries enough liability insurance. Many tell me, “I have an umbrella, so that should be fine,” and then end the discussion there. Even those who give the size of their umbrella some thought may not fully appreciate the size of injury payouts. If you fit into this category of “umbrella purchaser,” you probably have