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Insurance plays an important role in society, allowing businesses and individuals to live their lives and move forward with peace of mind. Insurance:

  • Reduces risks people may encounter, which means people are able to start businesses, hire employees, manufacture products and buy homes, cars and other consumer goods;
  • Promotes improved safety for individuals and businesses with loss control and risk management;
  • Provides assistance in community recovery following natural disasters;
  • Contributes trillions of dollars in taxes, funding, and investments in the economy; and
  • Helps keep the economy moving forward by providing peace of mind in an uncertain world.1



  1. NAMIC Issue Analysis, NAMIC Advocacy. “Why Your Insurance Costs What It Does: A Risk-Based Pricing Primer”.

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Erica Dalton

Merchants Insurance Group

Merchants Insurance Group sells its products through a network of more than 1,000 independent insurance agents in Massachusetts, Michigan, New Hampshire, New Jersey, New York, Ohio, Pennsylvania, and Vermont. We sell our products through independent insurance agents because we believe they provide value to policyholders through their broad range of products and their insurance expertise.