Merritt is a licensed insurance agent in Minnesota with over 30 years of experience. He began as a Horace Mann agent in 1984 offering insurance services to public teachers and educators, and in 1994 founded Bemidji Insurance Plus as an independent agency and part of the Midland Insurance Group. Merritt specializes in personal lines insurance such as homeowners, automotive, and insurance for recreational vehicles.
Merritt is a Bemidji local who has raised a family with his wife Karie Hougard that includes their three grown sons Andrew, Michael, and Eric. As a hobby he restores and remodels fishing cabins up in Canada, and enjoys vacationing to Virginia and Florida where they spend time at Disney with granddaughters Chelsea (Age 4) and Abby (Age 1).