Business Insurance

We'll worry about your insurance so you can focus on running your business.

100,000+
businesses trust us
We would be proud to insure your business so you can be free to focus on what matters most to you. We understand the unique challenges you face and provide you with peace of mind knowing that we are there with you when you need it. ******
96%
customer claims satisfaction
We want the claim process to be a calming one. Your satisfaction is extremely important to us. So when a claim comes in, we'll put your mind at ease and make sure you know you're covered. *****

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

Acuity knows business insurance


General liability

Many businesses operate for years without being sued. But if you are sued, the payments requested by the attorneys can be catastrophic. Let Acuity protect you from these lawsuits.


Texas Health Care Network (HCN)

Acuity has partnered with CorVel to offer Texas employers a workers’ compensation health care network (HCN) option through the Texas CorCare® Network. This network has widespread coverage in nearly every Texas county and all major population areas. To learn more about the HCN, please see the information below. If you need additional information or desire assistance in the enrollment process, please contact your agent.


Employment Practices Liability Insurance (EPLI)

Our employment 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.





Commercial auto

Whether you call it commercial automobile, business automobile, truckers’ insurance, or motor carrier insurance, Acuity has all the coverages you need for your vehicles.


Workers' compensation

All workers’ compensation policies pay the required benefits to injured workers. The Acuity difference is what we do in addition to paying these benefits.


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 suite

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.


Get a quote

Let us focus on your insurance, so you can focus on running your business.

Our passion is our customers and it shows.
Our passion is our customers and it shows.

CUSTOMER STORIES


"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."

Chris

Brentwood, MO


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Get answers from our insurance experts.
    • Crystals are having a moment right now. Just think of the salt lamps that are popping up all over the place. They are made from hand-chiseled solid blocks of ancient crystal salts. The Himalayan salt is said to provide many benefits, including improved breathing, reduction of allergies, fewer headaches, improvement in skin diseases, and better sleep.
    • The manufacturing industry has a ton of abbreviated terms and buzzwords. One of the buzzwords I have been hearing a lot lately is sustainable manufacturing.
    • As we enter the holiday season, you may be saying to yourself, "Boy, this year went fast." And as a contractor pondering all the work, changes, and growth your company went through this year, it's a great time to remember all the people who helped make the year a success.

    • Paige N.
      Author of Services & Merchant Focus

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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!


    FAQs


    Have questions? We have answers.


    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.


    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. 


    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.


    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.  


    ABOUT US

    Get to know us.

    We're rated A+

    Only commercial regional insurer to be rated A+ by both A.M. Best and Standard & Poor's, making Acuity an icon of strength.

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    In business since 1925

    Acuity is the 57th largest insurer in the nation and manages nearly $4 billion in assets.

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    Happy employees lead to happy customers

    Ranked #9 on the FORTUNE “100 Best Companies to Work For®” 2017 list

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