Author Archives: Brian H Merriam, CPCU, ARM, AAI, President

About Brian H Merriam, CPCU, ARM, AAI, President

376 Broadway
Schenectady, NY 12301-1038

(877) MERRIAM x 201
(877) 637-7426 x 201

The Threat of Workplace Violence

Have you considered the threat of workplace violence? According to the Occupational Safety and Health Administration (OSHA), there are close to 2 million victims of workplace violence in America, annually. This includes any act or threat of physical violence, harassment, intimidation, even murder. In fact, homicide is the third leading...

Workers’ Compensation vs. Disability Income

Few people think about Workers’ Compensation (“WC”) insurance until it is needed. It is compulsory coverage required of most every employer for the benefit of most every employee. It is a trade-off that requires employers to provide unlimited work-related medical benefits to employees who are injured at work in exchange...

The Importance of Written Procedures

I have heard it argued that a mission or shelter is better off having no written procedures than to have them and not adhere to them. This argument maintains that a court of law would, therefore, be unable to prove that the staff and/or volunteers did anything inconsistent with the organization’s procedures...