Personal Risk Management

Tips to Help Prevent Carbon Monoxide Poisoning

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)

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...

Equipment Breakdown Coverage for Your Home

The summer of 2016 was very busy for Nick and Brittany Desso—they were moving, buying a house, and getting married, almost all at the same time. They used the Merriam team to help them find the right home insurance. They appreciated the thoroughness of the Merriam team in asking questions...

Teaching Your Teenager Safe Driving Habits

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)

Winter Weather Home and Personal Safety Tips

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)

Preventing, Identifying and Removing Ice Dams

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)

Uninsured and Underinsured Motorists: What you need to know

Nationally, 1 out of 7 drivers is underinsured. As averages go, some geographical areas are better, while others (usually metropolitan areas) are worse. Do not be lulled into thinking that the state laws have corrected the underinsurance problem. No, when we face difficult economies like we do today, auto insurance is one of the first areas to suffer. In an effort to save money, many people are simply giving up auto insurance all together. If cost is a concern, we can often balance your policy’s coverages differently so

How Changes May Affect Your Insurance Premiums

Rachel Houghton

Rachel Houghton

Account Representative at Merriam Insurance Agency
Rachel is a licensed insurance Broker with 25 years of commercial and personal lines experience in both sales and service, making her a well-rounded member of the Merriam Agency Service Team.In her spare time Rachel enjoys cooking, gardening, and spending time with her husband and four boys.

Rescue Mission Program Account Manager
Schenectady, NY

Toll-Free:
(877) MERRIAMx 209
(877) 637-7426x 209

Send Email
Rachel Houghton

Latest posts by Rachel Houghton (see all)

Keeping up with customer needs is one of the most important parts of a service team’s job. Our service team has decades of combined experience and compassion for our clients’ business and personal needs. Helping you, the client, through changes is part of our daily work. Be it a simple...