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MAP® Business Owners Insurance


Merchants Advantage Plus

Merchants offers comprehensive business owners products that are designed to offer you a complete and flexible policy. Our automatic coverages address your basic insurance needs, and combined with a broad range of additional coverage options, provide you with a unique package of protection!

Automatic Coverages

  • Accounts Receivable
  • Business Income
  • Computer Coverage
  • Contractor’s Installation/Tools and Equipment
  • Debris Removal
  • Employee Dishonesty
  • Employment Practices Liability Coverage
  • Equipment Breakdown Coverage
  • Fire Legal Liability
  • Identity Recovery Coverage
  • Interruption of Computer Coverage
  • Money and Securities
  • Money Orders and Counterfeit Money
  • Newly Acquired/Constructed Property
  • Ordinance or Law Coverage
  • Outdoor Property/Outdoor Signs
  • Pollutant Clean Up and Removal
  • Property Damage Liability
  • Property Off Premise/In Transit
  • Spoilage
  • Utility Service – Direct Damage/Time Element
  • Valuable Papers
  • Water Back Up and Sump Overflow

Optional Coverages

  • Additional Insureds
  • Condominium Commercial Unit Owners
  • Data Compromise
  • Employee Benefits Liability
  • Employee Dishonesty
  • Employers Hired and Non-Owned Auto
  • Food Contamination
  • Garage Keepers Liability
  • Increased Accounts Receivable
  • Increased Money and Securities
  • Increased Valuable Papers
  • Miscellaneous Property
  • Money, Securities and Credit Card Slips
  • Professional Liability

Business Owners Pricing Features

  • Account Credit
  • Age of Building Discount
  • Alarm Discount
  • Association Credit
  • Deductible Discount
  • Franchise Credit
  • Multiple Location Discount
  • Single Occupancy Discount
  • Sprinkler Discount
  • Wholesale Discount

NOTE: Not all coverages and discounts are available in all states. Availability of coverage and discounts are subject to specific underwriting guidelines. See your Merchants’ independent agent for details and a quote.

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