Personal Risk Management

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

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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...

Wage and Hour Threat

Jon Barron, AAI
Jon Barron, AAI
Branch Manager at Merriam Insurance Agency
5373 N Union Blvd, Suite 103
Colorado Springs, CO 80918

(719) 488-3206 Direct

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Jon Barron, AAI
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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, worker fall

Workers’ Compensation vs. Disability Income

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)
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...

bible study group

D&O Retention Limit and what it means to 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)
Q: In Directors & Officers Liability insurance (“D&O”) for my mission I notice a $5,000 Retention Limit on the policy declaration page. What is that and what does it mean to us? A: Directors & Officers Liability insurance is an essential form of insurance that provides both defense and settlement...

The Importance of Fire Drills

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)
The fire that occurred at The Station nightclub on Thursday, February 20, 2003, in West Warwick, Rhode Island, took the lives of 100 people in under 6 minutes. Most of those deaths were due to the smoke created.  The loss of life might have been avoided had the attendees known...

Abuse and Molestation Part III

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)
Accommodating sex offenders It has been freezing rain for most of the day, and Benny walks up to your desk man just in time for dinner. He is a level 2 sex offender who wants a hot meal and to spend the night, or at least stay until the weather...

A Matter of Security

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)
This past March I wrote an article on risk management in regards to the possibility of an active shooter who may someday enter your premises. This prompted some responses that indicated several missions are either looking to hire a security company or perhaps even train their own staff in security...

Mass Shootings: A Country Under Siege

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)
Over the last few years it seems that the number of mass shootings has increased. The year 2015 saw fourteen killed in San Bernardino, California in December; nine killed at Umpqua Community College in Oregon in October; four killed at a military site in Chattanooga, Tennessee in July; and nine...

Abuse and Molestation Part II

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)
The headlines in last week’s paper read: “Counselors indicted for alleged abuse.”  The counselors were indicted and fired over allegations that they physically abused a disabled man in their care.  Not only is this a potential felony for the counselors, but it also brings a huge threat to the reputation...

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