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Merchants Insurance Group Merchants Insurance Group
  • Insurance
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      • Auto Repair & Collision Shops
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      • Business Auto
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        • Janitorial
        • Landscaping
        • Painting and Paperhanging
        • Plumbing
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        • Medical Offices
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Handyman

Our Handyman coverage provides a number of automatic property and liability coverages to protect your business.

Some of the coverages included for Handyman:

Contractors Leased and Rented Equipment
  • Coverage for equipment that is leased or rented from another party for a period of less than six months.
Installation Floater
  • Coverage follows building materials, equipment or tools from one job site to the next.
Per Location and Per Job Aggregate Limits
  • Limits for Business Liability apply separately to each location owned by or rented to the insured, and limits apply separately to each construction project.
Replacement Cost Coverage
  • For business personal property at your office, storage or shop locations.
Unscheduled Tools and Equipment
  • Coverage for smaller tools or equipment not specifically listed in your policy.
Cyber Liability
  • Provides comprehensive data security and privacy coverage that address both first-party losses and third-party liability claims, expert claims handling and breach response services in the event of a suspected breach, and a risk management website which provides information, guidelines and tools to help mitigate risk before a breach occurs.

We offer optional coverages such as:

Electronic Data Liability
  • Provides coverage for customers’ electronic data if damaged because you or your employee caused physical damage to the computer while performing work for that customer.
Hired and Non-owned Auto Liability
  • Covers bodily injury and property damage caused by a vehicle you hire, including rented or borrowed vehicles, or when caused by non-owned vehicles which are vehicles owned by others, including those owned by your employees.
Non-Owned Tools
  • Higher limits are available for coverage for tools leased or rented from others.
Short Term Pollution
  • Provides bodily injury or property damage coverage for a limited short-term pollution event.

Money saving discounts for:

  • Age of Building, available on buildings built within the past 15 years
  • Protective Safeguards Discount, when fire alarms or security systems are installed and fully functioning
  • Multiple policies with Merchants Insurance Group

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Find a Local Agent

Need insurance? Enter your zip code to find a Merchants Insurance Group agent near you.

... the money I invest in any type of insurance is very important to me. It must be with an insurance company that treats me with care, respect, and - simply, the same way that I would treat that person.

Debbie (Merchants' claims representative) treats us professionally, respectfully, and simply - as if she was part of our family....

Jayne DempseyMerchants Policyholder since 1998

Press Releases

  • Why, When, and How to Wash Your Hands December 2, 2019
  • Black Friday Parking Lot Safety November 28, 2019
  • Preparing Your Business for Cyber Monday November 26, 2019
  • Small Business Advice for “Small Business Saturday” November 26, 2019
  • Turkey Fryer Safety November 25, 2019

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Recent Updates

  • Why, When, and How to Wash Your Hands December 2, 2019
  • Black Friday Parking Lot Safety November 28, 2019

Contact Merchants

250 Main Street, Buffalo, NY 14202 Phone: 1-800-462-1077 E-Mail: support@merchantsgroup.com

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