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Acuity’s Businessowners Policy – Bis-Pak®

Acuity’s B.O.P. or business owner policy is called Bis-Pak®. It’s the easiest way to get the insurance your business needs.You can tailor the coverage to your individual business from our wide-range of optional coverages. With Bis-Pak® you can focus on your business operations, without worrying about your insurance.

Property

You expect your business insurance to protect your building and contents in the event of a fire, windstorm, or theft. But did you know that with Bis-Pak® coverage, Acuity automatically provides business income coverage for a covered loss?  This means that we will pay some of your continuing expenses and income while your business is being repaired.

 

Liability

Another key area of protection involves lawsuits.  Whether you are sued because someone slipped on a freshly mopped floor or a product you manufactured caused injury to a child, Acuity Bis-Pak® protects you.

 

What makes us different?

Acuity automatically adds several coverages to the standard industry businessowners policy at no charge. Here are two quick examples. The total we will pay for liability applies separately to each location as well as to each project, so you get extra protection when you need it.  We also include $10,000 ordinance or law coverage, so you don’t have to worry about unexpected reconstruction expenses because of changes in local laws or rules.

 

Acuity Bis-Pak® optional coverages

  • Bis-Pak® Property Enhancements: Acuity offers three tiers of enhancement endorsements for Bis-Pak Property, all of which protect your property with a bundle of coverages at a significantly discounted price. The highest tier level includes more than 60 coverages, ranging from increased ordinance or law to computer fraud and funds transfer fraud coverage.

  • Bis-Pak® Liability Enhancements: Acuity offers two tiers of enhancement endorsements for Bis-Pak Liability, both of which help protect your business from a wide range of loss scenarios at a discounted price. The highest tier includes over 15 enhanced coverages, from employee benefits liability (state-dependent) to a range of additional insured endorsements to an automatic waiver of subrogation for written contracts that help you comply with contracts you may have with others. 

  • Bis-Pak® full building replacement cost helps protect you by determining the cost to reconstruct your building in advance of a loss, guaranteeing you have building limits high enough for the loss.

  • Additional insured. Acuity offers an extensive portfolio of additional insured endorsements to meet the requirements of the contracts you have to sign to run your business. You can choose either specified coverage or automatic status endorsements.

  • Employment practices liability insurance(EPLI). Your life gets more complicated when you have employees. Employment law is very complex, and you have to be careful to avoid doing something wrong. EPLI insurance covers wrongful acts arising from the employment process.

  • Contractors’ E & O. Even seasoned veterans sometimes make mistakes. This important insurance pays to correct your work Enhance your protection with this valuable coverage.

  • Manufacturers’ E & O. Instead of you being liable for damage due to faulty products, we pay to correct your products and help make sure your reputation stays as spotless as it was before.

 

There are more items and coverages that set Acuity apart. For more information, contact your agent.

Get a Bis-Pak® quote

Let us focus on your Business insurance so you can focus on your business.

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RESOURCES

Other things you might be interested in.

Brochures

Acuity has a number of brochures that explain our policies, coverage options, and services in additional detail.

Loss control

Acuity offers an extensive library of loss control resources to help keep your employees and company operating safely

Glossary

Does insurance lingo sometimes leave you guessing? Check out our glossary!

View more resources & tools

FAQs

Have questions? We have answers.

Why do I need additional insured coverage?

Sometimes you are asked to provide additional insured coverage to a business because of an agreement you have with them. They are asking for this because it gives them additional rights.

Does Bis-Pak cover professional liability?

Special endorsements or policies are required to provide coverage for any professional liability lawsuits you may face.

What is equipment breakdown coverage?

Equipment breakdown coverage protects refrigeration, air conditioning, electrical, communication, computer, and other systems due to electrical or mechanical breakdown.

Are computers covered?

Yes. Bis-Pak® automatically insures computers for the additional electrical and mechanical breakdown exposures they face wherever they are located.