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
Employee-related practices liability
Defending your business against claims relating to employment processes can be very costly. Unfortunately, when you have employees, situations may arise in which you need to defend yourself against claims such as wrongful termination, discrimination, or sexual harassment. Acuity offers coverages to help you defend yourself when these situations come up.
Ordinance or law
A claim causing damage to your building is bad enough. Adding insult to injury, your building could be found inadequate according to current city, state, or federal ordinances when it’s time to rebuild. The standard property form does not cover increased construction costs to bring the building up to current code. Adding ordinance or law coverage can pay for these extra charges.
Employee benefit liability
As an employer, you know offering your employees benefits such as health, dental, and life insurance is important to attracting good employees. Sometimes mistakes can happen when administering these benefits, such as failure to add an employee to the plan at the correct time. This can come back to hurt your business. Let Acuity’s coverage protect you from these potentially costly errors.
Equipment breakdown coverage
From air conditioning to computers, you rely on your equipment to keep your office business running smoothly. Let us make sure you’re covered if it breaks down. This coverage will not only pay for loss to your equipment, but also the loss of income you may experience when your equipment isn’t working properly.
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.
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.
Will Acuity insure my office building along with my business operations?
Yes, we offer coverage for many professional office settings, insuring both buildings and company operations. We also insure office buildings that are rented to others and businesses that rent space.
What types of professional office businesses does Acuity insure?
We insure a wide variety of offices. Some common ones are lawyers, accountants, financial planners, insurance agents, real estate agents, and medical, dental, and veterinarian clinics.
My employees generally sit at their desks all day. There isn’t much risk involved with that, so why do I need all this insurance?
While your employees’ jobs may seem safe, there are still risks you need to think about as a business owner. Risks to your property can slow down your business operations and make it difficult to function in the event of a claim. As with any business setting, there are liability concerns associated whenever you offer your products and services to others or have employees. Acuity is here to help make sure your office can get down to business!
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