A Commercial Insurance Agency Built Around Your Business, Not a Quote Form
Merchant Insurance, Inc has written commercial insurance exclusively since 2009 — no personal lines, no divided attention. That focus shows up in how we work: we take the time to understand a business's operations, contracts, and claims history before we ever approach a carrier, because a policy built on a form is rarely the policy that actually protects you.
Led by Staci Merchant
Meet the Agent Behind the Agency
Staci Merchant founded Merchant Insurance, Inc in 2009 to give Florida businesses an agency built entirely around commercial insurance. She earned a degree in Risk Management & Insurance from The Ohio State University in 2004 and began her career with Oswald Tripp & Co., Inc. in 2005, quickly earning her insurance license. She went on to obtain her Certified Insurance Counselor (CIC) designation and trained through the Hartford Producer School and the National Alliance Producer School, building a deep, technical understanding of how premiums, experience modification factors, and exposures are actually developed — not just how to sell a policy.
Staci served as Miami Young Agents Committee President from 2011 to 2012 and was named MCIM "Rookie of the Year" in 2008. That combination of formal insurance education, hands-on carrier experience, and industry leadership is what shapes how every account at Merchant Insurance Solutions gets handled today.
Our Mission
Our mission is simple: Understand your business before we quote it, review your contracts before we structure your coverage, and approach every risk with solutions—not simply a reason to say no.
What Sets Us Apart
The Difference Shows Up Before You Ever Get a Quote
Client-first, not carrier-first.
We build the case for your business before we bring it to a carrier — not the other way around.
A real conversation, not a form.
Every account starts with an actual discussion about your operations, not a checkbox questionnaire.
Direct access to your agent.
You reach a person who knows your account, not a rotating call queue.
What Guides How We Work
This is a short title
This is the text area for this paragraph. To change it, simply click and start typing.
Understand before we quote.
No policy goes to market before we've actually reviewed the business behind it — operations, contracts, and claims history included.
Contract literacy is standard, not a favor
Reading and interpreting the insurance requirements buried in a contract is part of how every account gets handled, not an extra service.
A decline isn't the end of the conversation.
A prior claim or a high-hazard classification is a starting point for us, not an automatic no.
Commercial insurance, undivided.
We don't split attention across personal lines — commercial coverage is the only thing this agency does.
Why a 100% Commercial Insurance Agency Is the Better Choice
Why We Never Added Personal Lines
Most agencies that offer both personal and commercial insurance treat commercial accounts as a smaller, secondary part of the business. We built this agency the other way: commercial insurance exclusively, since day one. That focus means the carrier relationships, the coverage knowledge, and the day-to-day experience here are built entirely around business risk — contractual liability, classification codes, claims patterns tied to operations — rather than split with auto and homeowners policies. When your agency's whole practice is commercial, your account isn't competing for attention with someone else's car insurance renewal.
An Agency Built Around Your Business
Sixteen years of writing commercial insurance exclusively has taught us one thing: the businesses that get the best coverage are the ones whose agent actually understood them first. That's the starting point for every account here.