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Merchants Advantage Plus® Service

   This product provides you with the benefits of a comprehensive package of protection and the flexibility to meet the specific needs of your business. This product was designed for service businesses, such as day spas, nail salons, pet groomers and funeral homes. Pricing discounts are available for businesses that qualify.

Automatic Property Coverages for service operations include:

  • Building and Business Personal Property, which helps replace or repair your building if it is damaged by a covered loss.
  • Business Income and Extra Expense, which covers you in the event your business has to close due to a covered loss. You will be reimbursed for your actual loss of income and the extra expenses you incur for up to one year.Merchants Package Plus
  • Computer Coverage, which provides protection for damage to your computer equipment and the restoration of electronic data that is destroyed or corrupted by a covered loss.
  • Employee Dishonesty, which provides protection against the loss of money or property that results from dishonest or fraudulent acts committed by your employees.
  • Money and Securities protects money and securities used in your business if they are stolen, lost or destroyed.
  • Identity Recovery Coverage, which includes expense reimbursement and identity recovery services to assist in resolving and correcting your credit history and identity records. Both you as the owner and full-time employees of your business are covered.
  • Contractor’s Installation, which provides protection for installation materials used in conjunction with your service business.
  • Contractor’s Tools and Equipment offers protection for contractor’s tools and equipment used in conjunction with your service business.

Automatic Liability Coverages provide protection, including:

  • Business Liability, protection for damages related to bodily injury, property damage and personal and advertising injury that arise out of your business.
  • Employment Practices Liability, which will protect you from claims made alleging injury to your employees due to work-related discrimination, negligent hiring or termination, or harassment.

In addition to our automatic coverages, our Optional Coverages Allow you to customize your policy to meet your unique needs.

  • 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® Service 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.
  • Multiple Location Discount, if you have more than one location on the same policy.
  • Association Credit, if you are a member of a national association where certification or training are required.
  • Protective Device Discount, for fire or burglar alarms.
  • Sprinkler Discount, if your building is protected by an automatic sprinkler system. 
food service

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.

Merchants Advantage Plus
Advantage plus®
   auto Repair/ Collision
     repair insurance
   Building Owners
   Food Service
   Office Insurance
     Installation Insurance
   Service Insurance
   Wholesale Insurance
Commercial Auto Insurance
Commercial Package Insurance
   MPP® Golf Insurance
   MPP® Restaurant
Commercial Umbrella Insurance
Workers' Compensation Insurance
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