businesses trust us
positive claims experience
COMMERCIAL COVERAGES
Here’s what we’ll cover for your business.
At Acuity, we work to understand your business and offer you coverages that are meaningful to the risks your business faces. Sleep well at night knowing you’re covered. Let us worry about the insurance while you worry about the rest of your business.
Acuity knows business insurance
General liability
This protects you when someone takes legal action against you, including your defense costs when a customer slips on a wet floor or falls on incorrectly installed stairs. With Acuity’s general liability coverage, you will feel at ease knowing we have your back.
Commercial auto
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.
Property
From building and contents coverage to loss of income and full replacement coverage, Acuity property insurance provides broad coverage for your property’s needs.
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.
Excess liability
An Acuity excess liability protects you with high limits of insurance and fits on top of the protection you have with your auto, liability, and employers’ liability coverage.
Inland marine
Don’t let the name fool you. It is not coverage for cargo that used to be on a ship. If your property is on the move, you need inland marine.
Packaged coverages
Our commercial package policy provides the insurance protection you need for your business. You can experience the convenience of having one agent issuing a single policy through Acuity.
Cyber insurance
Cyber crime is one of the fastest-growing types of crime in the world. Every business of every size now faces cyber risk. Make sure you’re protected with Acuity.
Crime and fidelity
Acuity has the coverages you need, from employee dishonesty to theft of money, securities, and other property.
Equipment breakdown
Equipment breakdown coverage is no longer simply for your boiler and machinery. Learn about all of the things that Acuity's equipment breakdown can cover.
Employment-Related Practices Liability Insurance (ERPL)
Our employment-related practices liability insurance protects you against claims made by employees alleging wrongful acts you commit as an employer, backed by the strength, stability, and expertise of Acuity. Learn more.
"We've been with bigger insurance companies and we were just a little fish to them. We've never felt that way with Acuity. They go out of their way to put feet on the ground and provide us better service."
RESOURCES
Other things you might be interested in.
Acuity has a number of brochures that explain our policies, coverage options, and services in additional detail.
Acuity offers an extensive library of loss control resources to help keep your employees and company operating safely
Does insurance lingo sometimes leave you guessing? Check out our glossary!
FAQs
Have questions? We have answers.
What is the difference between professional liability and general liability?
General liability protects your business against another’s claim of bodily injury, personal injury, or property damage arising out of your operations, your premises, or your products. Professional liability provides protection for similar claims arising out of specific professional services.
Should I choose your Bis-Pak® over commercial property?
Not everyone is eligible for Bis-Pak®, but you should check it out if you are. Bis-Pak® automatically includes business income coverage, seasonal variations in your contents coverage, computer coverage, and much more.
I own a small business. Can I just use my personal insurance to cover me while I drive?
Many personal auto policies exclude coverage for business use; however, there are options to add a personal vehicle to a business policy. Make sure your agent knows of your business use, and he or she will be able to advise you on the right direction to take.
Why is safety so important?
Creating a culture of safety is important to your employees’ health and your bottom line. You will attract more conscientious candidates leading to a better qualified workforce and less employee turnover. You will also save money on your workers’ compensation premium. Acuity has many resources to help your company improve its safety culture.
We're rated A+
Only commercial regional insurer to be rated A+ by both AM Best and Standard & Poor's, making Acuity an icon of strength.
In business since 1925
Trust our longevity. Our expertise stems from nearly 100 years in the insurance business.
Our People
At Acuity, our people make the difference. Our knowledgeable employees are passionate about serving you and take the time to understand your unique needs.