Insurance for the people who build things: owner-operators, small business owners and the families counting on them. We shop multiple carriers, explain it in plain English and stay with you as you grow.
Pick the one that sounds like you.
Questions first? ARIA, our AI concierge, is in the corner — any time.
Your truck is the business. One accident, one lapse or one missed filing can park it. We place trucking coverage through specialty markets that actually want owner-operators and new authorities.
Get a trucking quoteContracts, employees, a company vehicle — every one adds risk. We line up the coverage your clients, landlord and the state expect, without paying for what you don't need.
Get a business quoteThe home, the cars, the people and the pets who make it all worth it. We bundle where it saves you money and close the gaps most people don't find until claim time.
Get a personal quoteA few quick questions about you, your business or your rig. Prefer to talk it through? Call us, or ask ARIA anything first.
As an independent agency we compare trusted carriers and build coverage around your real risks — no cookie-cutter policies, no fine-print surprises.
We walk you through your options in plain English. After you buy, a licensed Merrill agent is still your first call — at renewal, at claim time, and when the empire grows.
Our video series breaks down real Illinois and Indiana insurance cases — what happened, where the coverage gap was, and what it cost. Five minutes of Case Files can save you a five-figure lesson.
Protect the Empire. Case closed.
Calculators, guides and checklists we built for our own clients — free, no quote required.
Answer a few questions and see where your home, auto, life or business coverage may have gaps.
Start assessment →Filings, coverage minimums and first-year mistakes to avoid when you get your MC number.
Get the guide →A ready-to-use safety program that underwriters like to see — and that keeps drivers safer.
Get the template →Find out how exposed you are to a surprise bill at your next premium audit.
Check your score →A quick review of the risks your business carries and the coverage that answers them.
Start assessment →How much coverage would actually take care of your family? Get a real number in minutes.
Calculate →Deductibles, limits and endorsements in plain English, so you know what you're really paying for.
Read it →Illinois and Indiana insurance questions answered — renters, workers' comp, trucking and more.
Visit the blog →We're a small team that works across the state — and we'll meet you face to face when it matters.
"Huge thanks to Tremaine! Our business insurance was a mess before Merrill Insurance stepped in. Now we're fully covered and confident. Highly recommend this agency!"
— M. Fischer
"Mrs. Merrill maintained the highest level of professionalism, was very knowledgeable about insurance coverage and suggested coverage specific to the needs of our family for life, home & vehicle insurance! I highly recommend her services to anyone in search of a dependable agent."
— S. Douglas
"It is always a pleasure conducting business with Mrs. Merrill. She is prompt with returning calls and offers a variety of insurance products. Her attention to details ensures that my insurance product meets my desired coverage needs."
— H. Ross
"I love the professionalism and timely response of my agent. She is very knowledgeable, personable & also patient. I would highly recommend Merrill Agency!"
— K. McKinnie Hollins
Still wondering about something? Ask ARIA in the corner, or call a licensed agent at 815-230-1914.
We aren't tied to one insurance company. We compare coverage and pricing from multiple carriers and specialty markets, then recommend the fit for your situation. If your needs change, we can re-shop instead of making you start over.
Merrill Insurance Agency is licensed in Illinois and Indiana and serves clients throughout both states. Our producers work across the state and can meet in person when needed.
Yes. New authorities are one of our specialties. We work with specialty trucking markets that write new ventures, and we can walk you through filings, required limits and what underwriters look for in your first year.
Commercial trucking, general liability, workers' compensation, commercial auto and business owner's policies, plus personal auto, home, renters, life and pet insurance.
ARIA is our AI concierge. She answers general insurance questions around the clock and can start an assessment for you. She gives general education only — quotes, coverage decisions and advice always come from a licensed Merrill agent.
Get a quote in a few minutes, or talk to a licensed agent today.
