Personal Risk Management

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...

Wage and Hour Threat

One of the advantages of being a national insurance consultant and risk manager is that it allows us to see legal trends that are growing before our clients are hit with the latest threat, and thereby, we often have time to build a defense before the storms hit. One such...

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...

An Ounce of Prevention

Many of us carry some type of insurance to deal with accidents and catastrophic loss. Finding the right combination of coverage is crucial for protecting your personal and/or business assets. The Merriam Agency takes pride in our ability to offer clients the coverage they need in order to achieve their protection goals. Finding and keeping an insurance plan, that is both comprehensive and affordable, is our top priority for our clients.