Personal Risk Management

Two Tips to Avoid Water Flooding Your Home

James Dick, CPCU, AAI

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...

Do you own an older building?

James Dick, CPCU, AAI

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

Send Email
James Dick, CPCU, AAI

Latest posts by James Dick, CPCU, AAI (see all)

If you answered YES, there is some important information you should know. In most parts of the United States, buildings are older than the people who use them. Right around the corner from my apartment in Schenectady, NY is one of the oldest residential neighborhoods in the country, known as...

Want to use a drone for your next event?

James Dick, CPCU, AAI

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

Send Email
James Dick, CPCU, AAI

Latest posts by James Dick, CPCU, AAI (see all)

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

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

Send Email
James Dick, CPCU, AAI

Latest posts by James Dick, CPCU, AAI (see all)

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

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

Send Email
James Dick, CPCU, AAI

Latest posts by James Dick, CPCU, AAI (see all)

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...

Ice!

I just checked the forecast for Elk Camp this weekend. Snow Friday and Saturday. Brrr. But a little fresh snow makes chasing those tricksy elkses easier to find – in theory. This year, I’m hunting with two guys who have become great friends over the years. We weren’t able to...

A Country Under Siege

Brian H. Merriam, CPCU, ARM, AAI, President

Brian H. Merriam, CPCU, ARM, AAI, President

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, President

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Wildlife in the Wild West

Within the first month of my move to Colorado in 2008, we saw enough bear activity to eliminate any need to visit bears at a zoo. We were living in the National Forest, about 8 miles from civilization, and it gave us a quick education in risk management amongst the“wilderness interface.” The first lesson was a bear routinely tearing the corrugated

Getting by With a Little Liability Insurance Help From Your Friends

James Dick, CPCU, AAI

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

Send Email
James Dick, CPCU, AAI

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Driving for RideShare?

Jon Barron, AAI

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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Taking a taxi in a big city is a fairly easy task, though not always a pleasant experience. In smaller cities and towns, taxi services are not as prevalent for the convenience of a quick ride. A great solution and alternative to taxi services is the recent development of RideShare....