Florida's Commercial Insurance Partner Since 2009
Florida Commercial Insurance Specialists Since 2009 — From Bonita Springs to Miami
Merchant Insurance, Inc is a family-owned, commercial insurance agency serving Florida from offices in Bonita Springs and Miami since 2009. We specialize in construction insurance, workers' compensation, hard-to-place risks, and coverage for Main Street businesses.
Family-Owned. Commercial-Focused. Florida-Based.
Meet Merchant Insurance, Inc
Founded by Staci Merchant and Patty Wedge-Ludwig, Merchant Insurance, Inc combines professional insurance expertise with the direct service of a family-owned agency.
Staci holds a degree in Risk Management & Insurance from The Ohio State University and the Certified Insurance Counselor (CIC) designation. Patty brings decades of Florida insurance and building-industry experience.
Commercial Insurance for Florida Businesses
Coverage Built Around What You Actually Do
Construction Insurance
Coverage built around your contracts, projects, and job-site risks.
Workers' Compensation
Coverage for Florida employers, including difficult-to-place and previously declined risks.
Commercial Insurance
General liability, commercial auto, property, and other coverage for Florida businesses.
Why Florida Businesses Choose Us
Commercial Insurance With a Consultative Approach
100% Commercial Insurance
Commercial coverage isn't one department of our agency. It's all we do.
Construction Expertise
Roughly half of our business is construction, giving us experience with contractors, trades, and job-specific requirements.
Contract-Savvy Guidance
We review complex insurance requirements to help ensure your coverage aligns with what a contract requires.
Hard-to-Place Workers' Comp
We look deeper at claims history and operations when a risk is difficult to place.
Advice Before Quotes
We understand your business first, then approach the market for coverage.
Family-Owned Since 2009
Direct service from a team with offices in Bonita Springs and Miami.
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What Our Clients Say
What Our Clients Say
In Their Words
Who We Serve
Commercial Insurance for Florida Contractors & Businesses, With Offices in Bonita Springs & Miami
- General contractors and subcontractors with contract-driven insurance requirements
- Roofing, electrical, plumbing, HVAC, concrete, and other skilled trades
- Businesses with difficult-to-place or previously declined workers' compensation risks
- Retail, hospitality, and professional service businesses
- Real estate and property management companies
From contractors to Main Street businesses, we provide commercial insurance built around how your business actually operates.

Commercial Insurance Across Florida
Two Local Offices. Statewide Service.
From our Bonita Springs and Miami offices, we serve businesses throughout Florida, including Naples, Fort Myers, Estero, Cape Coral, Doral, Miami Lakes, Coral Gables, Hialeah, Homestead, and surrounding communities.
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Client Center
Certificates of Insurance
Request proof of insurance through our online certificate request process.
Claims
Find the information you need when it's time to report a claim.
Coverage & Quotes
Need new coverage or want to discuss an existing account?
Commercial Insurance Starts With Understanding Your Business
Whether you're building across Florida, managing employees, or running a Main Street business, our team takes time to understand your operations, risks, and insurance requirements before recommending coverage.
Complete the inquiry form, and your message will go directly to our team.
