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.
    • Like many industries, construction has changed quite a bit in the past 10 to 15 years. I remember the industry 40 years ago, when I started in it, and it looks nothing like the construction of today. When I talk to contractors who have been in the construction industry as long as I have, we end up reminiscing about how the industry was when we first began. There seems to be a connection as we share with each other how we used to do things—things that this generation today will never experience.
    • As a small business owner, you know that health insurance-related costs are a big concern. But while you know healthcare is expensive, you also know that keeping your employees healthy is important to their happiness and your bottom line. As more jobs shift to an office setting, sitting is now being referred to as the new smoking. Therefore, your office building is in a unique position to get employees more active.
    • It’s summertime, and that means it’s grillin’ time. Unfortunately, those gas and charcoal grills that help create the perfect steak also create an additional fire hazard. Each year, grills cause nearly 9,000 fires and result in 16,000 injuries—over half of which are burns.

    • John L.

    • Paige N.
      Author of Services & Merchant Focus

    • Addie B.
      Author of Home Focus

    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.


    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.