Businessowners Coverage

Merchants offers two comprehensive BusinessOwners programs: BusinessSelect and BusinessElite. Both programs are designed to offer you a comprehensive package that's flexible enough to meet your insurance needs. Our automatic coverages combined with an extensive choice of options provide you with a unique package of protection!

Automatic Coverage:

• Building
• Business Personal Property
• Equipment Breakdown
• Business Liability
• Fire Legal Liability
• Outdoor Property
• Business Income (including Extra Expense)
• Accounts Receivable
• Money and Securities
• Outdoor Signs (Attached)
• Fire Department Service Charge
• Valuable Papers
• Pollutant Clean Up and Removal

Optional Coverage:

• Business Complete- offers a combination of options at an affordable price.
• Outdoor Signs
• Computer Property and Extra Expense
• Employee Benefits Liability
• Professional Liability (for designated occupations)
• Employee Dishonesty
• Employers Hired and Non-Owned Auto
• Spoilage
• Increased Accounts Receivable
• Increased Valuable Papers

Businessowners Discounts:

• Age of Building Discount
• Wholesale Discount
• Single Occupancy Discount
• Alarm Discount
• Sprinkler Discount
• Multiple Location Discount
• Companion Auto