Larry Cesare, James Dick, Jennifer Holt, Jon Barron, Josh Crowder, Brian Merriam, Independent Insurance Agent, Merriam Insurance, downtown Schenectady, New York, clock, Merriam Insurance

Products & Services

Homeowner's Insurance

Homeowner’s insurance pays for losses and damage to your property in the event of the unthinkable, like a fire or burglary. A standard policy doesn’t cover damage from natural disasters. At Merriam we shop for the best coverage package that will protect your home and family.

Homeowner’s Insurance

Personal Auto Insurance

Finding an Auto Insurer is no small decision. The right broker should be committed to protecting you from financial ruin, in the event of an unforeseen accident. At the Merriam Insurance Agency we strive to get you the best coverage, and value customer relationships. On the surface this may seem like an insignificant perk, but in the event of an accident, dealing with a human in real life, who is genuinely interested in helping make you whole again, is an extra you’ll want to have.

Auto insurance should cover liability, collision and any damage caused by natural disasters, vandalism or theft. Uninsured & Underinsured Motorist insurance covers damages & medical costs resulting from accidents caused by someone who does not have insurance or not enough insurance. This coverage typically only covers bodily harm, not property damage.

If you would like to speak to us more in depth about our comprehensive coverage and obtain a free quote, contact us today or fill out the application below and email it to

Personal Auto Quote Request

Umbrella Coverage

You’ve worked hard for all that you have. Because of today’s litigious society, you could face a lawsuit you never knew could happen. Auto and Home insurance may not be enough. An Umbrella Policy will fill the gaps and cover the spaces that your auto and home policies may miss. Call us to discuss the possibilities if you’re interested. We would love to provide you with counsel and a free quote.

Personal Health Insurance

Health Care isn’t just about Health anymore, it’s about caring for family, friends, finances and personal life goals. It’s about living life fully and leading your best life.

Health Insurance Page

Life Insurance

Life insurance is insurance for life.

It is a plan that exalts life and defeats the financial impact of death. Through life insurance your income lives on and preserves that which is most precious to you. It guarantees a Mother’s hopes and a Father’s plans for the family’s future. It is food, clothing, shelter, and peace of mind. It is a new hope, fresh courage and strength for the family to carry on.

Life Insurance

Commercial Insurance

There are many different risks inherent in any business. By utilizing our comprehensive evaluation system, The Merriam Agency consistently ensures thorough coverage and protection.

Employees deserve to benefit from your company’s relationships and buying strength. Offer traditional and non-traditional benefits that may also save them time and money. Rounding out the employee benefits lets them know how much you value them.

We believe what you do is important enough to cover correctly, from worker’s compensation, health & benefits, payroll deduction, to auto, property and professional liability.

Coverages offered include:

Specialized Insurance Programs

Commercial Insurance Coverage, but tailored to fit your business, in your industry. Our experts share a genuine concern and passion for your Industry. Having years of experience under their belts, they know what you need.

Unique coverage offerings for industries such as:

Request More Information

If you would like to apply for a free, no-obligation quote, you can begin the process by filling out the form below and we will be sure to get back to you as timely as possible to ensure that your needs are taken care of. It is our goal to give you the most helpful and immediate assistance so that you can feel safe knowing that your insurance policy is in competent hands.