Wage and Hour Threat

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...

An Ounce of Loss Prevention

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.

Used Car Sales

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

Cyber Threat

A growing risk is threatening homeless shelters. This threat is more insidious and less measurable than most risks for which we often prepare. I am writing about what is usually referred to as “cyber-risk”. Unlike buildings that are susceptible to fires and automobiles that are exposed to collisions, cyber risks are imposed upon a mission, not just by a rogue employee, but by people from outside the mission looking to steal without ever stepping foot on the premises. Unlikely, you think? Please don’t be naïve!