General Liability

Acuity’s business liability insurance protects you when someone takes legal action against you, including your defense costs when a customer slips on a wet floor or falls on incorrectly installed stairs. With Acuity’s general liability coverage, you will feel at ease knowing we have your back.


Commercial general liability

A General Liability policy provides three primary coverages. Bodily Injury includes coverage for required medical attention and lost work time; property damage includes coverage to repair or replace damaged property, as well as loss of use; and personal and advertising injury includes coverage when you are sued for libel or slander.  An Acuity General Liability policy also includes medical payments for small claims that cause injury without having to establish that the insured was actually at fault.

 

What makes us different?

Acuity automatically adds our “Advantages” endorsement—which gives you five additional coverages at no cost—to every general liability policy. In addition, Acuity automatically applies your policy’s aggregate limit separately for each project and to each location. 

 

Optional coverages

Acuity offers several additional endorsements for a broad spectrum of coverage for all types of businesses including:

 

  • General liability enhancements. This endorsement provides several additional coverages, including employee benefits liability with a  $250,000 limit, waiver of subrogation for written contracts, and damage to premises rented to you for up to $250,000.

  • Additional insured. Acuity offers an extensive portfolio of additional insured endorsements to meet the requirements of the contracts you sign. 

  • Employment practices liability insurance. Liability insurance covering wrongful acts arising from the employment process.

  • Contractors’ E & O. Even seasoned veterans sometimes make mistakes. This unique insurance pays to correct your work. Enhance your protection with this valuable coverage.

  • Manufacturers’ E & O. Instead of you being liable for damage due to faulty products, we pay to correct your products and help make sure your reputation stays as spotless as it was before.

  • Additional professional liability (often referred to as Errors and Omissions) for:

    • Printers

    • Churches

    • Barbers and Beauticians

    • Veterinarians

  • Directors’ and officers’ insurance for:

    • Church Boards

    • Condominium Association Boards 

 

Get a liability quote

Let us focus on your liability insurance so you can run 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

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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.


    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.


    No. There is no coverage for data breach, cyber liability, or identity theft. Learn more about the Acuity Cyber Suite.


    Unfortunately, this is not a simple answer. Your general liability policy provides coverage if your business does not sell, manufacture or furnish alcoholic beverages. A business that sells beer, wine, or liquor, such as a bar, restaurant or liquor store, would need to purchase a separate liquor liability policy.