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This product provides comprehensive and broad-ranging protection, customizable coverages and special endorsements for artisan contractors such as electricians, HVAC technicians, landscapers, painters and plumbers. Pricing discounts are available for businesses that qualify.
Liability Protection
- “Quick quoting” is based on the number of employees.
Building and Business Personal Property Protection
- This coverage helps replace or repair your building and the contents of your office if they are damaged by a covered loss.
Additional features automatically included in your policy:
- Contractor’s Installation Tools and Equipment: Protection is provided for installation tools used in your business.
- Communication Equipment: This provides coverage for communication devices such as cellular phones, pagers and portable fax machines used in business while away from your office.
- Computer Coverage: Coverage for damage to your computer equipment and restoration of electronic data this is destroyed or corrupted due to a covered loss.
- Identity Recovery, which includes expense reimbursement and identity recovery services to victims of identity theft. Both the owners and full-time employees of your business are covered.
In addition to our automatic coverages, our Optional Coverages allow you to truly customize your policy to meet your unique needs.
- Employee Tools, which is available for your employee’s tools that are used in your business.
- Data Compromise covers the cost of notifying and providing identity restoration assistance to individuals whose personal information has been lost, stolen or inadvertently published while in your care, custody or control. This coverage provides protection for customers, clients, vendors and others.
Merchants Advantage Plus® Contractors also offers a number of money-saving discounts, such as:
- Multiple Policy Discount, for those policyholders that have more than one commercial policy with Merchants.
- Age of building discount, in which newer buildings may be eligible for a discount.
- Discount for Protective Devices, such as fire alarms or security systems.
NOTE: Not all coverages and discounts are available in all states. Availability of coverage is subject to specific underwriting guidelines. See your Merchants’ independent agent for details and a quote. |
