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Coronavirus – Is there Corporate Insurance for That?

James Dick, CPCU, AAI
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
Latest posts by James Dick, CPCU, AAI (see all)
The Coronavirus situation is on everyone’s mind. We are receiving calls asking “how will my policy respond?” We know many more of you have similar questions. Here is a brief primer on how insurance will likely respond and what your organization can do to prepare. The two policies under primary...

Residents Who Work At Your Mission: Are They Employees?

Brian H. Merriam, CPCU, ARM, AAI
Brian H. Merriam, CPCU, ARM, AAI
President at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

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Brian H. Merriam, CPCU, ARM, AAI
Latest posts by Brian H. Merriam, CPCU, ARM, AAI (see all)
It is common amongst shelters around the country that residents are offered the opportunity to work, or put more succinctly, are expected to contribute to the ministry with labor as part of their discipleship and the shelter’s stewardship. It is a beneficial arrangement and allows not only for a repayment,...

guidelines

The Importance of Written Procedures

Brian H. Merriam, CPCU, ARM, AAI
Brian H. Merriam, CPCU, ARM, AAI
President at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

Send Email
Brian H. Merriam, CPCU, ARM, AAI
Latest posts by Brian H. Merriam, CPCU, ARM, AAI (see all)
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...

tug of war with rope

Fiduciary Liability vs. Employee Benefits Liability

Richard Hale
Richard Hale
Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale
Latest posts by Richard Hale (see all)
Legal Hairsplitting or an Unknown Exposure that Threatens your Ministry? I am ever impressed with the many exposures that threaten ministries and even more impressed with the determination of trial attorneys to find ways to sue them. One of the lesser known areas of susceptibility of ministries stems from the...

cyber security lock

Social Engineering: A New Threat That May Surprise You

Brian H. Merriam, CPCU, ARM, AAI
Brian H. Merriam, CPCU, ARM, AAI
President at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

Send Email
Brian H. Merriam, CPCU, ARM, AAI
Latest posts by Brian H. Merriam, CPCU, ARM, AAI (see all)
What do the second-largest bank in Chile and a homeless shelter in Midwest America have in common? Recently, Banco de Chile lost $10 Million in a cyber hack, and the homeless shelter, though losing quite a bit less than that, lost in excess of $10 Thousand to a similar scheme....

valuation

The Conflict between Replacement Value and Actual Cash Value

Brian H. Merriam, CPCU, ARM, AAI
Brian H. Merriam, CPCU, ARM, AAI
President at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

Send Email
Brian H. Merriam, CPCU, ARM, AAI
Latest posts by Brian H. Merriam, CPCU, ARM, AAI (see all)
There are few greater joys for a mission Executive Director than receiving a letter from an attorney and finding that the mission is not being sued, but is instead, the recipient of a bequest. After many years of effort to raise money for a new dormitory, some person has now...

risk management

Merriam Insurance Safety Committee Essentials

Richard Hale
Richard Hale
Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale
Latest posts by Richard Hale (see all)
How to Properly Established Your Safety Committee Establishing a proper Workplace Safety Committee is one way management can encourage employees to participate in implementing and monitoring an organization’s safety program. A properly functioning safety committee fulfills several functions. Committee members should be able to identify problems, use their range of...

Merriam Insurance Guide to Active Shooter Preparedness

Richard Hale
Richard Hale
Marketing Director at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale
Latest posts by Richard Hale (see all)
The following is an overview of how we counsel missions in the development of an active shooter protocol. This guide is designed to help you utilize resources in your community to craft a response plan that fits your ministry. Through this guide you will learn how to: Educate key staff...

The Threat of Workplace Violence

Brian H. Merriam, CPCU, ARM, AAI
Brian H. Merriam, CPCU, ARM, AAI
President at Merriam Insurance Agency
376 Broadway
Schenectady, New York 12305

Toll-Free:
(877) MERRIAM x 201
(877) 637-7426 x 201

Send Email
Brian H. Merriam, CPCU, ARM, AAI
Latest posts by Brian H. Merriam, CPCU, ARM, AAI (see all)
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...

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