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.
    • Being a small business owner in a local market can give you a leg up on the national stores. People like to shop local and give back to the community. And guess what? That is you! Creating your target market based on the customer demographic should be a breeze since you know your community so well.
    • In a very competitive industry, contractors are always looking for ways to stand out and have an upper hand over their competition. For some of us old timers who have been in the industry for many years, we look around and can’t believe how much things have changed! Our rulers, measuring wheels, and calculators have been set aside to make room for computer estimating software.
    • As you prepare to complete and post your OSHA 300A, providing a summary of work-related injuries and illnesses, it’s a good time to think about the new OSHA requirements and how they will affect you. Four major updates are effective in 2017—electronic recordkeeping requirements, anti-retaliation protections, walking-working surfaces and fall protection, and beryllium exposure limit.

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    • Cathy B.
      Loss Control Specialist

    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.


    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.