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General liability insurance icon for businesses

General 
Liability

Workers' compensation insurance icon for employees

Workers Compensation

Employment practices liability insurance icon

Employment Practices

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Commerical Automobile

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Commerical Umbrella

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NEW

Cyber
Liability

Individual and group health insurance icon

Individual & Group Health

Medicare plans insurance icon for seniors
Final expense life insurance icon

Final 
Expense

Key person insurance icon for business owners

Key
Person

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Small business owners at a pet grooming shop covered by business insurance
Active senior couple exercising, representing Medicare and health insurance for retirees
Small business team reviewing insurance policy documents together
Group of active adults running outdoors, representing health and life insurance coverage
Construction worker on jobsite covered by commercial and workers' compensation insurance
Father playing with his son at home, representing family and life insurance protection
Ferris wheel at a community event, representing event and liability insurance coverage

Pamela Rubin-Merel Insurance

Independent Agent for Businesses & Individuals

OUR EXPERIENCE

 

As an Independent Insurance Agent with over 35 years of experience, Pamela Rubin-Merel puts your needs first. Her mission is to make sure clients are secure and properly protected, whether that means business insurance for a growing company or Medicare guidance for someone approaching retirement.

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Pamela Rubin-Merel Insurance Services is proud to serve multiple generations of businesses and families across California, Arizona, Texas, Wyoming, Michigan, Nevada, Oregon, and Washington.

OUR SERVICES

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As an independent insurance agency, we represent your best interest, not an insurance company's. It's our duty to understand your situation, your needs, and your budget, then match you with the right business insurance or Medicare plan for your circumstances.

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While we work with many top-rated carriers, we're not tied to any single one. That independence means the policy we recommend is chosen because it's right for you, not because it's the only option we can offer.

SERVICES
TEAM
CARRIERS
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OUR CARRIERS

We work for you, not the insurance companies. As an Independent Insurance Broker, we choose which carriers to partner with, and we only work with top-tier, A-rated companies.

 

Within our network, we compare a number of insurance companies and their offerings, from Business General Liability and Workers' Compensation, Employer Group Health, Personal Homeowners, Auto, Recreational and Boat to Medicare Advantage and Medicare Supplement plans, to find the best coverage at the best price for you.

 

It's as simple as that.

QUOTE

 

Help us, help you.  Provide us with as much detail as you like, so we can develop the best options for you. 

 

LET'S GET STARTED

No risk. No commitment.

After you submit some basic infomation, we’ll get started finding the best policy to protect yourself.

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© 2026 Pamela Rubin-Merel Insurance Services Inc | CA LIC #0828848

O | 760-917-5060 | California | Arizona | Texas | Wyoming | Michigan | Nevada | Oregon | Washington

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