Protect Your Business with Confidence

Comprehensive insurance solutions for small business owners safeguarding key employees and owners.

Rated 5 stars by clients

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★★★★★

Your Trusted Insurance Partner for Protection

At Merrill Agency, we specialize in insurance solutions tailored for small business owners, ensuring protection for key employees and owners against unforeseen events.

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turned off laptop computer on top of brown wooden table
Highly recommend their services!

K. Jones

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Insurance Solutions Offered

Protect your business with tailored insurance solutions for key employees and owners at Merrill Agency.

Key Employee Coverage

Safeguard your business interests with insurance designed for key employees and essential personnel protection.

  • Covers a vital person in the business (like an owner, founder, or top salesperson).

  • If that person dies, the business gets a payout to cover lost revenue, hiring, or transition costs.

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person in orange long sleeve shirt writing on white paper
Business-Owned Life Insurance (BOLI)

Ensure your business continuity with comprehensive insurance plans for owners and critical stakeholders.

  • The business is the owner and beneficiary of the policy.

  • Often used to cover high-level executives or fund deferred compensation plans.

  • BOLI is more common in larger corporations but still an option for growing businesses.

Buy-Sell Agreement Funding

Secure your business's future with effective continuity insurance solutions tailored for small business owners.

  • Business partners take out life insurance policies on each other.

  • If one owner dies, the payout funds the purchase of their share — keeping ownership clean and smooth.

  • Usually structured as a cross-purchase agreement or an entity purchase agreement.

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eyeglasses and skeleton key on white book
person writing on white paper
person writing on white paper

Client Feedback

See what our clients say about our insurance solutions and services.

Merrill Agency provided exceptional support when we needed key person insurance. Highly recommend!

John Smith
A worn, metal sign mounted on a wooden surface reads, 'A FIRE IN THIS BUILDING MIGHT PUT EVERY EMPLOYEE OUT OF WORK. Guard the Property Against Fire and Protect Your Job.' The sign features a bold black and red color scheme with a rustic backdrop.
A worn, metal sign mounted on a wooden surface reads, 'A FIRE IN THIS BUILDING MIGHT PUT EVERY EMPLOYEE OUT OF WORK. Guard the Property Against Fire and Protect Your Job.' The sign features a bold black and red color scheme with a rustic backdrop.

Springfield

The team at Merrill Agency helped us secure vital coverage for our business. Their expertise made all the difference in protecting our key employees.

A person wearing a colorful face mask and a red and blue jacket is standing in front of a glass door. They have one hand raised, pressing against a sticker that reads 'Lloyd’s of London' and mentions environmental and social issues. Two police officers in uniform and masks are positioned nearby.
A person wearing a colorful face mask and a red and blue jacket is standing in front of a glass door. They have one hand raised, pressing against a sticker that reads 'Lloyd’s of London' and mentions environmental and social issues. Two police officers in uniform and masks are positioned nearby.
Emily Davis

Riverdale

★★★★★
★★★★★

Get in Touch Today

Contact us for tailored insurance solutions to protect your business interests and key personnel. We're here to help you safeguard your future.

Connect

815-230-1914

Reach

info@merrillagency.com

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815-230-1914

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