Packaged Coverages

Our commercial package policy provides the insurance protection for your business. A commercial package policy is a one -stop shop for all your insurance coverage needs. This simplified approach to business insurance provides peace of mind knowing that your business is protected against the worst that life can throw at you.


General liability

Many businesses operate for years without being sued. But if you are sued, the payments requested by the attorneys can be catastrophic. Let Acuity protect you from these lawsuits.


Employment Practices Liability Insurance (EPLI)

Our employment practices liability insurance protects you against claims made by employees alleging wrongful acts you commit as an employer, backed by the strength, stability, and expertise of Acuity. Learn more.


Commercial auto

Whether you call it commercial automobile, business automobile, truckers’ insurance, or motor carrier insurance, Acuity has all the coverages you need for your vehicles.





Workers' compensation

All workers’ compensation policies pay the required benefits to injured workers. The Acuity difference is what we do in addition to paying these benefits.


Property

From building and contents coverage to loss of income and full replacement coverage, Acuity property insurance provides broad coverage for your property’s needs.


Service Line Coverage

Add coverage for the underground piping and lines that provide water, sewer, and electrical to your home.





Excess liability

An Acuity excess liability protects you with high limits of insurance and fits on top of the protection you have with your auto, liability, and employers’ liability coverage.


Inland marine

Don’t let the name fool you. It is not coverage for cargo that used to be on a ship. If your property is on the move, you need inland marine.


Cyber suite

Cyber crime is one of the fastest-growing types of crime in the world. Every business of every size now faces cyber risk. Make sure you’re protected with Acuity.





Crime and fidelity

Acuity has the coverages you need, from employee dishonesty to theft of money, securities, and other property.


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.


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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.
    • When snow is covering the ground and cold air is blowing, we want to finish our outdoor chores as quickly as possible so we can get back inside where it is warm. While some find snow removal to be a good form of exercise and enjoyable, others are looking for the quickest and safest ways to complete the job.
    • Are you a salon owner (or planning to become one), but you’re unsure which salon compensation system to use? You’re not alone! There are several different options, and your preference may differ based on your management style.
    • Change can be difficult—and it can be even more difficult to communicate. People come to work and try to do the best job they can. They are proud of their work and good at what they do. When we ask them to change or do it differently, they can feel slighted.

    • Addie B.
      Author of Home Focus

    • Dana B
      Author of Services & Retail Focus

    • Michael S.

    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.


    One advantage of a package policy is you have a single bill for all your Acuity coverages. If you have seperate policies for workers’ compensation, business owners, and auto, you could have three bills.


    Yes, you may cancel a line of insurance and keep the remaining insurance in an Acuity commercial package policy.


    There are several key differences to be aware of. Bis-Pak® automatically includes business income coverage, computer coverage, and no coinsurance penalty, and 25% automatic increase for seasonal variations in your contents.