Holiday Parties: Is Your Company Protected?

Richard Hale

Richard Hale

Marketing Director at Merriam Insurance Agency
Rich joined Merriam Insurance in the spring of 2017 as the Marketing Director. He earned a BA in English Literary Studies from the University at Albany, and has obtained his Six Sigma Green Belt certification from Motorola University.

Rich is most passionate about helping people understand the important benefits of working with an independent broker such as the Merriam Insurance Agency. It is his mission to ensure clients know where they can gain access to everything they would need, should the unthinkable happen.

When he's not working, Rich enjoy's spending time with his two teenage children and their golden retriever Alfred.

Marketing Director
Schenectady, New York

(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale

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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

(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)

Renting Your Inn’s Premises to Other Businesses

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?

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

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?

It is once again the holiday season, a time when many inns like to host holiday parties and charity events. While these gatherings can provide opportunities for your guests and visitors to mingle casually and revel in the spirit of the holidays, they can also prove to be a liability...

How Concerned Should Your Inn Be About Bed Bugs?

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?

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,...

Liability of Serving Champagne

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....