Acuity’s Businessowners Policy – Bis-Pak®
Bis-Pak® is the easiest way to insure smaller businesses. The broad coverage insures buildings, contents, and liability with business income included automatically—all in one simple policy.
Property Coverage Details
From building and contents coverage to loss of income and full replacement coverage, Acuity property insurance provides broad coverage for your property’s needs.
Commercial auto insurance
Does your business rely on vehicles to get work done? When an employee is involved in an auto accident our commercial auto insurance protects your business. Acuity would love to keep you working and on the road.
Workers' Compensation
No business owner wants to see his or her employees get injured on the job. Rest assured that with Acuity’s workers’ compensation insurance, when an injury does occur, we will take care of your employee by getting them the help they need so they can get back to work.
Specialized Coverages
Mechanics' errors & omissions liability
This endorsement includes broad form products coverage, coverage for your work, and coverage for any negligent act, error, or omission that occurs during the course of your auto repair shop operations.
Garagekeeper's insurance
Your business always has other people’s vehicles in your possession, so, you need this coverage to protect you in the event that a vehicle in your possession is damaged.
Coverage for your work
During a routine tire and brake change, your employee overtightens the parts, causing damage. Your average base insurance will most likely exclude damages that occur from work you perform. By adding coverage for Property damage to your work - garage operations, you would be covered up to the scheduled limit.
Broad form products coverage
This form can help provide coverage for property damage to your product.
Limited pollution coverage
Should there be a loss causing environmental damage, this coverage could help protect against financial consequences.
Hired and nonowned auto
You are driving customers’ vehicles constantly. Should there be a loss while you are driving, this coverage could offer protection.
Water backup and sump overflow
This coverage may help safeguard your building investment in the event of a costly water loss.
Employee dishonesty
As an employer, you try your best to hire good people. However, there is always the chance one of your employees is facing a difficult situation and can not resist temptation. This coverage protects you against loss from dishonest acts committed by an employee, whether identified or not, and acting alone or in partnership with other people.
Portable tools or employee tools coverage
Your shop is broken into, and employees' tools that are used in your business are stolen. Coverage for this incident would require an employee tools coverage form.
Loss Control Professionals
Once an injury occurs, it is too late to assess what should have been done. We staff highly trained loss control professionals with manufacturing backgrounds who work directly with you to help improve safety and prevent accidents.
Acuity Nurse Helpline
The Acuity Nurse Helpline is a 24/7 service for workers with nonemergency injuries. It can reduce your workers’ compensation expenses and is free to everyone who has a workers’ compensation policy with Acuity.
FAQs
Have questions? We have answers.
Why should I choose Acuity for my shop’s insurance?
Auto repair is a focus for us, so we have a specialized businessowners policy for auto repair shops and coverages tailored to the unique needs you face. We also have dedicated loss control professionals who are able to help your business stay safe. Finally, we have an internal team of people dedicated to staying on top of the automotive industry. We’ve got your back!
Does Acuity insure smaller shops or larger ones?
Both! We have the coverages and expertise to fit both the larger and smaller shops, along with any in between!
How long has Acuity been in business?
We’ve been in business over 90 years. Acuity started out as Mutual Auto Insurance Company of the Town of Herman in 1925. Over the years, our name has changed, but we remain a mutual insurance company whose focus is serving our customers.
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