General

Residents Who Work At Your Mission: Are They Employees?

Brian H. Merriam, CPCU, ARM, AAI

376 Broadway
Schenectady, New York 12305

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(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,...

The Importance of Written Procedures

Brian H. Merriam, CPCU, ARM, AAI

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)

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...

Fiduciary Liability vs. Employee Benefits Liability

Richard Hale

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

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(877) MERRIAM x 212
(877) 637-7426 x 212

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Richard Hale
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...

Social Engineering: A New Threat That May Surprise You

Brian H. Merriam, CPCU, ARM, AAI

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)

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....

The Conflict between Replacement Value and Actual Cash Value

Brian H. Merriam, CPCU, ARM, AAI

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)

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...

Merriam Insurance Safety Committee Essentials

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
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

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
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...

“Transgender Discrimination… does my insurance cover that?”

Jon Barron, AAI

Branch Manager at Merriam Insurance Agency
7900 East Union Avenue, Suite 1100
Denver, Colorado 80237

(719) 488-3206 Direct

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Jon Barron, AAI

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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...

Health, Safety and Security for Mission Residents

Brian H. Merriam, CPCU, ARM, AAI

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)

It has long been established, both in Common Law and by statute that the employer and the landlord are in a superior legal position over their employees and tenants, respectively. As such, the standard of care is higher for them than for their employees and tenants. Since this is true,...

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.