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 focus on what matters most to you. We have specialists who know your business because our focus is you. ******
96%
customer claims satisfaction
We want the claim process to be a calming one. We provide you with a single point of contact who can focus on what you need. So, when a claim comes in, you know we're here for you. *****

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.


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


BLOG

Get answers from our insurance experts.
    • When starting your own business, you wear many hats. From CEO to accountant, you do it all. But as your company grows and expands, the duties required by each one of these roles increases while the amount of time you have does not. Eventually, you need to enlist help.
    • Onboarding new employees is extremely important for manufacturing businesses. Not only do you need to consider safety and process training, but you need to keep track of progress to ensure employees aren’t in the “new employee” phase for too long.
    • As a small business owner, you know how hard you work to grow your business and keep it running efficiently. You find the perfect merchandise, hire the best workers you can, and market your business to keep new customers coming in. All this hard work needs to be protected, so you can keep focusing on the things you love.

    • Paige N.
      Author of Services & Retail Focus

    • Michael S.

    • Sarah B.

    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.

    ** ***

    In business since 1925

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

    ****

    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.