About Meritus

Independent advice. Commercial focus.

Meritus Insurance is an independent business insurance agency with more than 25 years of industry-specific experience.

An advocate for your business

We believe good commercial insurance starts with understanding the company behind the application. That means learning how you work, where contracts create obligations, what keeps you up at night, and what matters most if a claim occurs.

With access to multiple top-rated carriers and specialty markets, we can build customized solutions for contractors, allied health organizations, and a wide range of other businesses.

Leadership

Steve Phelps

Senior Managing Member
Commercial Insurance Specialist & Business Consultant

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How we work

Clear advice, responsive service, and coverage decisions based on your actual business.

01 / UNDERSTAND

Learn the operation

We start with the business, not a prebuilt package.

02 / COMPARE

Explore the market

We evaluate coverage, terms, and pricing across suitable options.

03 / ADVOCATE

Stay involved

We help as requirements change, questions arise, and the business grows.