What is excess liability insurance?
Acuity’s excess liability coverage provides an extra layer of protection over your general liability, commercial auto, and employer’s liability policies. That means excess insurance is there to pay if you have a loss greater than the limits on those policies.
Why do I need excess liability insurance?
Any business can be held liable for huge losses. Excess policies can help protect against bankruptcy in the unfortunate event of a disastrous liability loss. An excess liability policy is comprehensive. It applies to all your underlying liability policies and covers the same things those policies cover, just at higher limits.
Do I need any other types of coverage?
While excess liability covers a wide range of business risks, you may need other insurance coverages. Acuity believes that protecting your business is a partnership, so we want to ensure you understand what it doesn’t cover. The following areas require other insurance policies offered by Acuity.
Workers's Compensation provides benefits to employees who suffer work-related injuries or illnesses. Acuity offers workers’ compensation insurance to ensure your employees can get back to work.
Commercial Auto provides liability and physical damage coverage for vehicles used in business. If your business owns or leases vehicles or employees drive personal vehicles for business purposes, Acuity can help protect you with commercial auto insurance.
Business Property protects your company’s physical assets against damage or loss due to various risks. Acuity can help protect your building and contents with our business property insurance.
Crime and Fidelity protects your company from financial losses due to dishonest acts by employees or other trusted individuals. Acuity offers crime and fidelity coverage to protect your business from these crimes.
Acuity’s commercial auto enhancements
Acuity offers enhancements for commercial auto policies that allow you to customize your policy for your business. Enhancements can include coverage for airbag replacement after an accidental discharge or a temporary substitute vehicle due to physical damage coverage. You can see the complete list of enhancements here.
Commercial Auto Built-in Features & Enhancements.
OSHA 10-hour training
OSHA training is offered at no cost to our insureds and is available throughout our operating territory if you have 15 or more people to train. You and your employees can learn to prevent, recognize, and control various safety and health hazards.
Construction contract help
Do complex contracts have your head spinning? Our experienced agents can help answer most of your questions. However, if the issue needs further legal review, we offer access to a network of attorneys specializing in construction contracts.
Who needs Excess Liability Insurance?
Retail
Wholesalers and distributors
Services businesses
Restaurants
Auto repair shops
Landlord & rental properties
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.
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.
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.
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.
FAQs
Have questions? We have answers.
As a contractor, I like Acuity’s broad coverage. Will there be a gap in my commercial excess liability?
No. The commercial excess liability coverage fits like a glove over and provides the same coverage as the liability coverage you schedule. Additional insured coverage in the underlying policy that is primary and noncontributory requires an endorsement to track the underlying coverage.
What if I want higher uninsured and underinsured motorist limits for my auto policy?
You can purchase increased limits as part of the commercial excess liability policy.
Is there a maximum limit Acuity can offer?
Acuity can provide almost any limit you need. Limits of an excess liability policy begin at $1 million and increase in $1 million increments.
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