Professional Perspective

Directors and Officers Liability Insurance

Joshua D. Crowder, AAI-M

Joshua D. Crowder, AAI-M

Operations Manager at Merriam Insurance Agency
Josh joined the Merriam team in 2011 in a management and production capacity. He holds a BS in Economics from Siena College and has more than 10 years in the Commercial Banking and Municipal Finance arenas. Josh holds his New York State Property and Casualty, and Life, Accident and Health licenses.He is currently pursuing a Master’s Degree from Mid America Baptist Theological Seminary, and is simultaneously studying to increase his depth of insurance knowledge. Josh is married and the father of six children. He is thrilled to have the opportunity to provide his clients with the personal attention and value in service that they expect.

Operations Manager
Schenectady, NY 12301-1038

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(877) MERRIAMx 224
(877) 637-7426 x 224

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Joshua D. Crowder, AAI-M

Latest posts by Joshua D. Crowder, AAI-M (see all)

Cyber Liability Insurance

After exhaustively discussing every aspect of their E&O coverage, most clients are not overly eager to hear about the “other” coverage recommended, in addition to E&O. The mindset seems to be that if a coverage is not required, then it is not a coverage a client should carry. Perhaps it is the additional expense or the time it takes to learn about something new. Perhaps the client still believes “that won’t happen to me”. Regardless, there may always be an

Are my Independent Contractors covered?

Jennifer Holt, ACSR

Jennifer Holt, ACSR

Service Team Manager at Merriam Insurance Agency
Jennifer Holt, ACSR

Latest posts by Jennifer Holt, ACSR (see all)

This is one of the most common questions I am asked when preparing quotes for E&O insurance. My answer is always the same: “we must look at the policy form to see how your carrier covers Independent Contractors.” More often than not, E&O insurance coverage is usually extended to the...

Land Title Association: Get Involved!

Jennifer Holt, ACSR

Jennifer Holt, ACSR

Service Team Manager at Merriam Insurance Agency
Jennifer Holt, ACSR

Latest posts by Jennifer Holt, ACSR (see all)

Recently, we had the opportunity to attend two of the New York State Land Title Association (NYSLTA) Town Hall meetings. One was held in was held in Tarrytown, New York and the other in Carle Place, New York. I firmly believe that you cannot help your clients unless you understand...

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Introducing the Title Industry Protector

Jennifer Holt, ACSR

Jennifer Holt, ACSR

Service Team Manager at Merriam Insurance Agency
Jennifer Holt, ACSR

Latest posts by Jennifer Holt, ACSR (see all)

Over the last twenty years we have seen many changes in the title E&O marketplace. As an independent insurance broker, we have worked with many different carriers to find the best product for our clients. As companies entered and exited the market, we found different nuances in policy forms that...

Claims-Made Policies

Some recent inquiries have made us aware that it may be time to review the nuances of claims-made policy forms once again. Here is how Occurrence Policies respond to claims, as opposed to how claims-made policies respond. It is important to understand the differences. Occurrence Policies This is the insurance coverage form with which most people are familiar. Most Homeowner, Auto and Commercial General Liability policies are written on an “occurrence” basis. Coverage is triggered

Time Keeps Ticking

Could this happen to you? Most would say, no, but it happened to one of our more experienced clients, and it wasn’t discovered until years had passed. A closing took place in upstate NY in 1999. During the transaction it was noted that in addition to a mortgage, there was a home equity loan that had been taken out on the home being sold. At the closing it was shown that the home equity loan had been paid off, and a zero balance was due to this secondary lender.

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