Personal Risk Management

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.

Cyber Threat

A growing risk is threatening homeless shelters. This threat is more insidious and less measurable than most risks for which we often prepare. I am writing about what is usually referred to as “cyber-risk”. Unlike buildings that are susceptible to fires and automobiles that are exposed to collisions, cyber risks are imposed upon a mission, not just by a rogue employee, but by people from outside the mission looking to steal without ever stepping foot on the premises. Unlikely, you think? Please don’t be naïve!