Merit Insurance Services

Merit Insurance Services is a full-service brokerage and consulting organization dedicated to meeting the needs of commercial clients across Texas. Founded in 1997 by Fred W. Foote, our company combines national brokerage expertise with the personalized service of an independent agent to deliver innovative risk management solutions. With over 40 years of experience in habitational insurance, we specialize in providing tailored coverage for multifamily properties, including apartments, townhomes, and condominiums. Our team of industry experts offers customized insurance programs for diverse sectors such as real estate, manufacturing, hospitality, construction, and transportation. We pride ourselves on maintaining significant underwriting relationships with major insurance carriers, allowing us to offer competitive pricing and comprehensive coverage options. Our commitment to excellence is demonstrated through our Full Service Commitment process, which includes risk identification, coverage audits, and annual account reviews to ensure ongoing protection.

We serve clients ranging from small private companies to large regional firms, emphasizing technology-driven efficiency and entrepreneurial thinking. Our mission is to provide expert advice, technical resources, and personalized service while fostering partnerships built on trust and mutual goals. We maintain a lean organizational structure free from bureaucratic constraints, enabling us to respond swiftly to client needs. Our dedication to the insurance industry is reflected in our continuous pursuit of emerging niche carriers and alternative risk financing options, including captive insurance companies and large deductible plans. Through our in-house specialists and affiliated partners, we deliver coordinated risk management solutions that address property, human capital, and third-party liability exposures.