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.


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.


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.
    • 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.

    • Sarah B.

    • Michael S.

    • John L.

    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 coninsuranvc penalty, and 25% automatic increase for sesaonal variations in your contents.