Strategy Drives Acuity’s Financial Strength

Acuity’s disciplined approach and intentional strategy enable us to consistently deliver strong results for you and our mutual customers. That’s why we’re incredibly proud that AM Best recently affirmed Acuity’s Financial Strength Rating of A+ (Superior) with a Stable outlook for an impressive 23^rd consecutive year.

Why We Earned an A+ From AM Best

In reaffirming Acuity’s A+ rating, AM Best highlighted areas of Acuity’s strength, including:

• Balance Sheet – Strongest level of risk-adjusted capitalization, strong liquidity and cash flow, and fair and reasonable reserving practices.
• Operating Performance – Strong, profitable long-term results that outperform the peer composite, and consistently strong investment income that supports operating results.
• Business Profile – Highly diversified mix of business; broad and strong agency relationships that consistently provide high returns.
• Enterprise Risk Management – Strong risk assessment culture and risk management controls, along with a highly risk-aware and engaged management team.

AM Best’s reasons for our reaffirmation underscore the strength of Acuity’s strategic vision and intentional execution. Our remarkable, sustained growth in personal lines demonstrates that we are not only open for profitable business but thriving. In commercial lines, our diversified portfolio ensures stability, with robust growth extending across industries from contractors to trucking. We also continue to serve as a steadfast partner in more complex sectors, such as property and commercial auto, while achieving significant expansion in our workers’ compensation line count.

We also know that other carriers’ unpredictability and instability disrupt your business. In an industry marked by volatility, Acuity focuses on being a stable resource, fostering relationships with you in a partnership that produces results and outperforms our peers. We remain a leader in delivering long-term, profitable solutions with unmatched reliability and expertise.

Success Propelled by Intentionality

Our financial strength matters to you and everyone who depends on us. In 2024, Acuity:

• Earned a combined ratio of 98.1 (Statutory)
• Grew policyholders’ surplus 11.3% percent to $3.2 billion (Statutory)
• Surpassed $3 billion (Statutory) revenue for the first time in history with a 20% growth rate
• Increased assets to a record $7.8 billion (GAAP)
• Finished the year with a leverage ratio of 0.92:1—the 16^th straight year of a ratio under 1:1

In 2024, Acuity’s A+ Financial Strength Rating from Standard & Poor's (S&P) was also reaffirmed, providing the security of two superior ratings and ranking us in the top 19 carriers nationally based on financial ratings.

Thank You!

We appreciate and value your role in our continued success and your trust in Acuity. We are on track for another strong year in 2025, validating the market strategy that drives our financial stability and continued growth.