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-Related Practices Liability Insurance (ERPL)

Our employment-related 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.


Get a quote

Let us focus on your insurance, so you can focus on running your business.


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Get answers from our insurance experts.
    • Understanding how people process feedback can help managers deliver their comments in a more constructive way. The SARAH acronym, which describes the emotional stages one goes through when receiving negative feedback, can be a useful tool.
    • There is a perceived toughness of drivers in the trucking industry, and seasoned veterans know you need to have thick skin to do the job, but there is another side to life on the road. Due to the nature of trucking, studies show that drivers face increased challenges, such as loneliness (27.9%), depression (26.9%), chronic sleep disturbances (20.6%), anxiety (14.5%), and other emotional problems (13%).
    • It’s well known that having a website for your small business is a must. When consumers are looking for information about a business and can’t find their website, they’ll quickly move on to the next business. An ineffective website isn’t much better than not having a website.

    • Michael S.

    • Cliff J.

    • Dana B
      Author of Services & Retail 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.


    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.