Personal Risk Management

Protecting Your Pastors

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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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...

Telematics May Help Lower Your Car Insurance Premium

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

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Richard Hale

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

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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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

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

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Richard Hale

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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?

Joshua D. Crowder, AAI-M

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

Toll-Free:
(877) MERRIAM x 224
(877) 637-7426 x 224

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Joshua D. Crowder, AAI-M
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,...

Can Your Business Function Without Electricity?

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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Recently, 40,000 vacationers were forced off the Outer Banks, the popular North Carolina vacation spot, due to lack of power. The power outage was caused when a construction company accidentally severed both the main power line and the back-up power line to several of the islands within the Outer Banks....

Autumn is Right around the Corner

Jon Barron, AAI

Branch Manager at Merriam Insurance Agency
7900 East Union Avenue, Suite 1100
Denver, Colorado 80237

(719) 488-3206 Direct

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Jon Barron, AAI

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Like many of us, I love autumn. The crisp apples in early September remind us that the leaves will soon be changing. Along with the beauty of the season, we should take the time to ensure that the spaces in which we live, work and play are a safe environment,...

Pruning!

Jon Barron, AAI

Branch Manager at Merriam Insurance Agency
7900 East Union Avenue, Suite 1100
Denver, Colorado 80237

(719) 488-3206 Direct

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Jon Barron, AAI

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I love pruning trees & shrubs. Once I get started, I’ll keep going until my blisters have blisters, leaving my hands sore and tired for days. Regardless, the satisfaction of whipping nature into submission is inexplicable. My first real pruning efforts were not appreciated. I pruned the top 10 feet...

Why Do You Ask Who Else Lives with Me?

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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People love to argue with me. “It’s because you’re always WRONG,” my little brother would holler at me. Many insurance customers feel the same way. “Why do you care who else lives at my house? I’m the only one who drives my car.” I am asked this question more frequently...

Driving on Inn Business? 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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Due to the nature of most inn-keeping business models, owning a vehicle is not a key asset. Most innkeepers, however, personally own a vehicle and insure it under their personal car insurance. This is fine, except that every innkeeper I have ever spoken with drives his or her personal car for inn business....