Professional Perspective

Cyber Crime Now Affects Everyone

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

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

If I told you that every hour spent online—responding to emails, researching for work or pleasure and even searching restaurant reviews—significantly increases your risk of identity theft or impersonation, would you believe me? I did not always have this dire-sounding opinion. Although I have had my debit card compromised a...

Directors and Officers Liability Insurance

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

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

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

Toll-Free:
(877) MERRIAM x 206
(877) 637-7426 x 206

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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

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

Toll-Free:
(877) MERRIAM x 206
(877) 637-7426 x 206

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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...

Loyalty and Longevity, Featured Client: Gifford Abstract

Jennifer Holt, ACSR

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

Toll-Free:
(877) MERRIAM x 206
(877) 637-7426 x 206

Send Email
Jennifer Holt, ACSR

Latest posts by Jennifer Holt, ACSR (see all)

Introducing the Title Industry Protector

Jennifer Holt, ACSR

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

Toll-Free:
(877) MERRIAM x 206
(877) 637-7426 x 206

Send Email
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