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About Us

Niles Insurance AgencyFounder, Robert Merlo began the Merlo Insurance out of his parents home in 1993. Since then, he has been taking care of the insurance needs of thousands of individuals, families and businesses in Ohio & Western Pennsylvania.

Not to worry, the agency hasn’t been Rob’s parent’s basement for some time. We are conveniently located in a skyscraper (7 floors) on Main Street (State Route 46) in historic downtown Niles, Ohio in Trumbull County. Yes, in Niles, Ohio, our building is a skyscraper because it’s the tallest building downtown. You can’t miss us or our large sign on the front of the building.

Our location is convenient for when you need to come see us. Located in the heart of Niles, we are 5 minutes from Warren, Ohio (North) and 5 minutes from Youngstown, Ohio (South) in either direction.

I think you will find that our office is staffed with the nicest people you will ever meet. As an Independent Insurance Agency we work for you and not for any particular insurance company. We make sure that you are treated fairly and offered the coverage you choose to be right for you at the lowest possible cost.

An Independent Advantage

We are Independent Agents in Niles, Ohio, free to choose the best carrier for your insurance needs. We do not work for an insurance company; we work for you. We work on your side when you have a loss and follow through to see that you get fair, prompt payment and service. Merlo Insurance represents a carefully selected group of financially strong, reputable insurance companies. Therefore, we are able to offer you the best coverage at the most competitive price. What is an Independent Insurance Agent? When you decide to buy a car, you wouldn't purchase the first one you see. What if one day the automobile industry decided to make only one type of car, one make and one model. You wouldn't have a choice! The same situation holds true for insurance. You need insurance to drive a car, to purchase a house, to protect your family's financial future and to run a small business. But if there was only one insurance company that offered only one type of insurance, you wouldn't have a choice. The only solution would be going to that one company. With an independent insurance agent, you have choices. Independent agents are not tied to any one insurance company. One of the advantages of using an independent agent is that he or she works to satisfy your needs. You are using an expert for an important financial decision. An independent agent has several companies that he or she can approach to get you the best coverage at the best price. And your independent agent will know the companies with the most efficient claims departments to recover your losses as quickly as possible. When you buy insurance, you want an advocate who will properly assess the risks you face and give you an objective analysis of the marketplace, because it's up to you to make the final choice.