Personal Risk Management

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.

Avoiding 5 Common Injuries

It is difficult to eliminate the possibility of all accidents, but a few moments of awareness education, along with diligent planning and follow-through will certainly reduce their likelihood. 1. Wet Floors. Whether from melting snow or ice, rain, or everyday spills, wet floors always pose a hazard. If you operate a...

Teen Parties: What Every Parent Needs to Know

Parties can be a significant part of every teenager’s development. However, an enjoyable evening with friends and family doesn’t need to involve alcohol or drugs. Merriam Insurance hopes that these party guidelines will assist parents and teens in the planning of a drug-free, sober, and safe party. Guidelines for Parents...

Protecting Your Pastors

Unexpected incidents happen every day. What if your pastor is injured falling down stairs or lifting a box? What if he gets into a car accident while driving to visit a sick church member? What happens when your children’s pastor becomes seriously ill and cannot organize Sunday School or youth...

Church Security: What Are You Doing to Protect Your Congregation?

Imagine the following scenario:  It is Sunday morning, and 15-minutes after your service begins, a deranged, and heavily armed, gunman enters your church. Who will be in your lobby to intercept him? Are you confident in that person’s or team’s training on how to respond? Have they practiced the appropriate...

Fireplace Safety

As the days get shorter and the thermometer drops, we naturally start thinking about what we are going to do to keep warm this winter. With the cost of heating oil, propane and natural gas taking a bigger bite out of the family budget, many people are thinking about using...

Working or Volunteering with Children?

If you work or volunteer with children it is important to know how to properly protect your organization against potential threats. Abuse and Molestation Coverage protects your organization from the unthinkable act of a defenseless, dependent child being abused or molested. The Merriam Insurance Agency addresses abuse in two parts,...