Commercial Insurance

Merit maintains relationships with a wide range of insurance providers to ensure that
the best products, services, and care are always available to you.


Commercial auto insurance provides protection for any vehicle your business owns- as well as any that you hire, rent, loan, or lease. Policies typically include:

  • Liability Coverage for Accidents Involving Company-Owned Cars
  • Medical Payments for Driver and Passengers in Case of Injury
  • Physical Damage (Collision)
  • Physical Damage (Comprehensive)
  • Uninsured/Underinsured Motorists
  • Lost Wages
  • Liability Coverage for Business Use of Employees’ Cars


This coverage will cover the costs of replacing or repairing equipment, stock, furniture, building, or fixtures in the event of a fire, theft, or vandalism. Most policies include:

  • Business Income Coverage
  • Equipment Breakdown Coverage
  • Property Off-Premises Coverage
  • Property of Others

General Liability

General liability insurance can help protect a legal suit from turning into a financial disaster for your business by protecting you and several members of your organization.
Most policies will cover:

  • Attorney’s fees, witness fees, police report costs
  • Court costs
  • Medical expenses for injured parties
  • Investigation costs
  • Settlement costs

Workers Compensation

Workers’ compensation protects both you and your employees in the event of an employee injury or illness by providing:

  • Medical benefits
  • Disability Income Benefits
  • Rehabilitation Benefits
  • Death Benefits

Specialty Programs


Merit Insurance is proud to offer bonds directly from our office to our construction clients, which helps provide you with the fastest, most efficient service.

We have worked to develop strong, comprehensive probate bond programs for over 40 years, and strive to provide you with one-day service.

For more information on our contract surety bonding programs, please contact Edward Buckmir

Specialty Programs


Merit Insurance is proud to be one of only a few agencies in the state of Connecticut to offer insurance to home builders through the Acadia Insurance Company, endorsed by the Home Builders Association.

Eligible home builders will enjoy low rates and access to general liability, workers’ compensation, commercial auto, and property coverage.

Please contact Jim Benson or Bob Caldwell for more information.

Specialty Programs


Merit has been the managing general agent for the Remodeling Contractors Association Insurance Program since 1996, a program underwritten by the Travelers Insurance Company. Eligible remodelers may receive a 10% discount on workers’ compensation coverage and 15% on auto and general liability policies.

Please contact Jim Benson or Bob Caldwell for more information

Specialty Programs


Merit specializes in coverage designed for law firms, including lawyers’ professional liability, trustee liability, and surety bonds. We also provide:

  • Access to professional liability markets
  • Specifically tailored programs
  • Specialized expertise

Please contact Jim Tomchik for more information.