Mission Minute

The Importance of Written Procedures

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)

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
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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

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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)

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

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(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...

The Threat of Workplace Violence

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)

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

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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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 vs. Disability Income

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)

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...

D&O Retention Limit and what it means to 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)

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

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)

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...