Inland Marine

Insurance for property on the move. Whether you own equipment at a job site, keep supplies away from your location, or haul goods of others, you have property on the move. Inland marine coverage is designed to protect you if covered property is damaged away from your premises.


Property in the course of construction

Contractors never have to decide if they need coverage for installation or buildings under construction because Acuity’s property in the course of construction coverage combines the features of both. This coverage is designed to protect you whether you are building a commercial structure or installing new fixtures in a kitchen.

 

Builders’ risk 

Builders’ risk coverage is easy to understand. It protects the buildings you have under construction. It also pays for materials on your construction site as well as transportation of those goods and materials.

 

Installation coverage

Installation coverage focuses on smaller jobs, such as remodeling projects.  It also pays for materials on your installation site as well as transportation of those goods and materials

 

Contractors’ equipment

Whether your tools and equipment are in your shop, on your truck, or at a job site, you want them covered. Four options are available. We insure scheduled equipment, unscheduled equipment with a value under $2,500, employee tools, and non-owned or rented tools and equipment.  We also include some coverage for borrowed tools and equipment. You can tailor the coverage provided to meet your needs by selecting any or all of the coverages.

 

Cargo

If you haul goods for others or yourself, you need motor truck cargo insurance. Acuity offers three coverage options—owners coverage when you haul for yourself and two other options when you haul for others. 

 

What makes us different?

Acuity offers a wide variety of coverages, from accounts receivable to warehouse legal liability. We have the coverage you need to put your worries aside.

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


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Get answers from our insurance experts.
    • Sharing isn’t just something we teach our kids in grade school—it has taken over our culture and examples of the sharing economy are everywhere. The sharing economy is an economic model in which people share resources with each other as part of a peer-to-peer network. This is also known as a collaborative or peer economy. Collaborative customers want to use the tool without buying it, have a ride without paying for the car, and have access to the dress for the one day they need it.
    • Have you ever been contacted to report on conflict minerals you may be using in your business? It is very possible you have never heard about conflict minerals, or you didn’t realize they could be an issue in your business. But there are laws in place around these minerals and their uses in commerce.
    • During my 35 years in the construction industry—mostly in commercial construction—I’ve often been asked, “How difficult is commercial construction?” and “How do I get started in that side of the business?” Usually, these questions are asked by experienced residential contractors who are looking to expand their businesses. As I answer their questions, I’ve seen a variety of reactions. Some contractors become excited, while others express no interest.

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    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.


    Absolutely! Just let us know you need it taken care of, and we will get right to it.


    Insurers have covered cargo carried on ships for hundreds of years. Once the cargo landed across the ocean, insurers continued to provide coverage for the cargo while it was transported on land to it's final destination and inland marine coverage was born.


    That depends on why you have the property. We offer warehouse liability if you provide storage space, bailee coverage if you are working on the property (like a dry cleanerL, and more, including coverage for machine tools and dies owned by others that you are using.