Personal Risk Management

What is a Personal Umbrella Policy? Why Do You Need One?

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

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James Dick, CPCU, AAI

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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.

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

Richard Hale

Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale

How to Be a Good Board Member

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

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James Dick, CPCU, AAI

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Service Line Coverage: What You Need to Know

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

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James Dick, CPCU, AAI

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The Benefits of taking a Defensive Driving Course

Brian H. Merriam, CPCU, ARM, AAI

376 Broadway
Schenectady, New York 12305

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(877) MERRIAM x 201
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Brian H. Merriam, CPCU, ARM, AAI

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Tips to Help Prevent Carbon Monoxide Poisoning

Richard Hale

Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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(877) MERRIAM x 212
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Richard Hale
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

James Dick, CPCU, AAI

Sales Manager at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 219
(877) 637-7426 x 219

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James Dick, CPCU, AAI

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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

Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

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(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale

Pipe Freeze Prevention – Philadelphia

Richard Hale

Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

Send Email
Richard Hale