Personal Risk Management

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....

Be Prepared!

Brian H. Merriam, CPCU, ARM, AAI

376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

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Brian H. Merriam, CPCU, ARM, AAI

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Auto Insurance covers more than you think!

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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Do you drive your own car for work or volunteer activities? If your answer is yes, how does your insurance work in the event of an accident? It could be argued that the only reason you were on the road at that time is because you were representing that work...

Two Tips to Avoid Water Flooding 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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Do you know of someone who had water gushing into their house, damaging the floors, furniture, and electronics? Or maybe someone who returned from a weekend away, only to find their basement full of water? Has this happened to you? It is possible if you aren’t prepared. In just a few...

Want to use a drone for your next event?

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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What happens if the drone malfunctions mid-flight and damages overhead wires or a building? What if it injures a spectator while landing? What if someone alleges you invaded their privacy? All of these issues can potentially be protected by your insurance policy—but you need to ask permission. We’ve approached some...

Allowing Safe Day-Use In Your Park

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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If you’ve invested resources to make your park a fun place, chances are that people will want to come visit! These visitors are not limited to your camping guests; friends of campers or members of your local community may want to come as well to swim in your pool, play...

Careful on the stairs!

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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Handrails to Prevent Lawsuits Several of the inns we serve are beautiful historic mansions. Many times the custom-built architecture from the past does not include a key component of inn safety – handrails on all of the steps. While this may seem like a small item, in the minds of insurance...