Understanding Business Interruption Insurance for Inns

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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Renting Your Inn’s Premises to Other Businesses

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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While the global financial crisis and subsequent recession may still be affecting many small businesses, including Inns, one area where the turmoil has created opportunities is in the renting of real estate space. Leasing your facility, in part or in its entirety, to an outside entity can be a mutually...

What If My Inn Owns Valuable Antiques?

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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Many Inn owners decorate with various antiques, such as fine china, paintings, statues, tapestries, or other artwork. Some of these items can be very valuable, adding to both the resale value of the inn and the ambiance created for guests. A generic insurance policy does not do a good job...

Safely Handling Snow and Ice at Your Inn

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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While winter may be a beautiful time of year, it is not all about skating, sledding, and romantic walks in the park. Along with the many enjoyable recreational activities comes the potential for injury from exhaustion, dehydration, back injuries, slip and falls, or even heart attacks. It is advisable your...

Holiday Parties: Is Your Inn Protected?

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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How Concerned Should Your Inn Be About Bed Bugs?

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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Recently, a jury awarded a family $546,000, the largest judgment ever for a bed bug related case, in a suit brought against Liberty Mutual and Hilton Garden Inn, located in Ontario/Cucamonga, California. The lawsuit claimed that a few hours after going to bed, the family awoke with bites and rashes...

Does Your Inn Offer In-House Massage Therapy?

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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Massage therapy has been proven to reduce pain and stress, improve overall circulation, increase immune efficiency and flexibility, and improve overall appearance. With this in mind, it is more and more common for inns to offer in-house massage services to their guests. If this is a service your inn offers,...

Can Your Inn Function Without Electricity?

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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Liability of Serving Champagne

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 include wine in romantic packages? What about welcome champagne? While these can greatly enhance the guests’ experience when done correctly, they can also provide a surprising liability issue for inns. For example, a guest consumes the glass of champagne and then has an automobile accident later that evening....

Help from the Handyman: What to Watch For

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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What happens if your inn’s handyman causes an unnoticed water leak in your walls, causing the growth of a fungus? What if a guest bumps into his ladder and both are injured in the resulting fall? What if he turns out to be a terrible handyman and the roof you...