Portrait Of Kitchen Staff In Homeless Shelter

Products & Services

Coverage that is unique to your Mission's specific needs.


  • Property
    Property Insurance provides valuable protection for your buildings, contents, heating, and cooling systems, computer and telecommunications systems, and the income generated by the businesses you operate. Property Insurance even provides coverage to help keep your operations running in the event of a loss.

Available coverages include:

  • Building Coverage
  • Business Personal Property
  • Personal Property of Others
  • Business Income with Extra Expense


  • Liability
    Liability protection is available to rescue missions for a broad array of day to day activities. Your liability exposure is determined by the programs you operate. Liability coverage needs are different for every rescue mission.

Available coverages include:

  • General Liability including:
    • Bodily Injury and Property Damage
    • Personal and Advertising Injury
  • Abuse/Molestation Liability
  • Professional Liability including:
    • Cyber Liability
    • Social Service Professional Liability
    • Pastoral Professional Liability
  • Employee Benefits Liability


  • Automobile Liability is necessary for any rescue mission actively working in and around the community. If your mission does not own vehicles, you are still exposed to potential liability losses from employees and volunteers driving their personal vehicles on mission business.

Available coverages include:

  • Personal Injury Protection
  • Liability
  • Medical Payments
  • Uninsured/Underinsured Motorists Liability


  • Many rescue missions involve residents in day to day activities around the mission including cleaning, maintenance, working in warehouses and thrift stores, vocational training, and other various work therapy programs. Insurance policies, including General Liability and Workers Compensation, are often gray when dealing with coverage to residents in the event of an injury. More often than not, coverage is denied because of the language used in the policies. Accident coverage, much like that available for volunteers, is also available to residents involved in these programs.

Available coverages include:

  • Accidental Death or Dismemberment
  • Accident Medical Expense
  • Work Loss coverage


  • Volunteers are a key component to every rescue mission. What would you do if one of your volunteers was seriously injured while working for you?
    You can offer them protection for as little as $1.05 per active volunteer per year. Accident coverage for your volunteers will help them to recover both physically and financially in the event of injury, and will also help to protect you from a lawsuit.

Coverages available through a special Accident Insurance Program developed for Citygate Network member missions include:

  • Accidental Death or Dismemberment
  • $100,000 Maximum Benefit
  • Accidental Medical Expense
  • $1,000,000 Maximum Benefit
  • Work Loss Coverage
  • 66 2/3 of weekly salary up to $400

Directors and Officers

Your Board of Directors can be held liable for decisions they make in regard to your ministry. Directors and Officers coverage provides them with personal protection in the event a lawsuit is filed against them, including alleged wrongful acts or omissions in their decision making.

Available coverages include:

  • Directors and Officers Liability
  • Employment Practices Liability
  • Fiduciary Liability
  • Internet Liability

Health & Benefits

The AGRM, The Merriam Agency, and Colonial Voluntary Benefits have teamed up to offer you a voluntary work site wellness program with customizable coverage options and incredible savings.
Build a personal Benefits Program – at no direct cost to you. 

Rely on us to bring you choices & services you can count on:

  • Fill in gaps in existing coverage.
  • Communicate the value of employees’ benefits to retain employees and reduce turnover
  • Save hours of valuable administrative time
  • Realize tax savings for you and your employees.

These policies deliver cash benefits directly to the employees when they need it most!

  • Hospital Indemnity
  • Accident
  • Income Protection/Disability
  • Specified Disease Insurance for Critical Illness
  • Life
  • Colonial Health Advantage
  • Specified Disease Insurance for Cancer
  • Workers’ Compensation

Workers’ Compensation is a necessary policy that provides protection for an employee or worker who is injured in the course of the occupation. Workers’ Compensation will provide for the required medical needs of the injured or disabled employee as well as the employee’s family needs.

A second benefit that is included with Workers’ Compensation is called Employer’s Liability. Employer’s Liability is the part of the policy that protects the employer of an injured worker from being sued by the worker or the worker’s family. Both Employer’s Liability and Workers’ Compensation are relevant, necessary policies that every employer needs.

Risk Management Consulting Services

What are you doing to mitigate risk? Keeping you, your mission, your volunteers, guests and resources safe, you need more than great insurance coverage. You need a comprehensive risk evaluation and a plan to prevent it.

Apply Online

If you would like to apply for a free, no-obligation quote, you can begin the process by filling out the form below and we will be sure to get back to you as timely as possible to ensure that your rescue mission needs are taken care of. It is our goal to give you the most helpful and immediate assistance so that you can feel safe knowing that your insurance policy is in competent hands.

Thank you very much for considering the Merriam Insurance Agency. We look forward to serving you, while you serve others.