General

Fiduciary Liability vs. Employee Benefits Liability

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...

Merriam Insurance Safety Committee Essentials

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...

“Transgender Discrimination… does my insurance cover that?”

Questions of discrimination are frequently being asked by Rescue Mission leaders. It is the right question to be asking; however, the risk is not limited to just non-profits. We have seen a dramatic increase in allegations of discrimination and lawsuits since the 2015 introduction of Caitlyn Jenner and the Pentagon policy...

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.