Property Coverage Details
Our business property insurance provides the protection you need for your building and contents. You can trust you are protected against the worst life can throw at you, because we are wholeheartedly for you™.
Building
Start with the basics, your building or structure, is covered against a wide variety of things that can go wrong. Also included are additions, permanently installed fixtures and equipment, and the personal property used to maintain your building.
Contents
If you have a building, you probably store something in it—your contents. Business personal property coverage includes everything from your furniture to your stock. If you are responsible for other people’s property, this coverage will protect you when that property is at your location.
What makes us different?
Acuity understands each business is unique and you might need more coverage than the standard property policy provides. The Acuity Advantages endorsement is included with every property policy.
In addition to providing an increased limit for fire department service charge, Advantages provides 18 additional coverages Acuity believes are crucial to protecting your business.
Acuity optional coverages
Even the best intentions can fall short. You think you are completely protected, but gaps in coverage can exist. Acuity offers several optional coverages to fill common coverage gaps.
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Business income provides coverage for continuing expenses and income while your business is being repaired or lost rental income due to a loss.
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The Acuity enhancements endorsement provides our broadest coverage for a little extra premium. It includes increased limits for some coverages, including debris removal and many additional coverages, including employee dishonesty, money and securities, and computers.
RESOURCES
Other things you might be interested in.
Acuity has a number of brochures that explain our policies, coverage options, and services in additional detail.
Acuity offers an extensive library of loss control resources to help keep your employees and company operating safely
Does insurance lingo sometimes leave you guessing? Check out our glossary!
FAQs
Have questions? We have answers.
What is the special form and why should I purchase it?
The special form provides the most comprehensive coverage available. Each coverage situation is unique—your agent would be able to help you decide which cause of loss form is best for your situation.
A neighboring business recently had an issue with their basement sewer backing up and causing damage to product stored in their basement. Does my property policy protect me from the same issue?
Sewer backup coverage is not provided under the standard property policy. You can obtain coverage with the Acuity water backup and sump overflow endorsement.
My nightmare scenario involves a total loss of my building due to a fire. How can I be sure I am fully protected to survive a total loss?
Acuity’s full building coverage endorsement ensures your building limits are high enough.
Should I choose your Bis-Pak® over commercial property?
Not everyone is eligible for Bis-Pak®, but you should check it out if you are. Bis-Pak® automatically includes business income coverage, seasonal variations in your contents coverage, computer coverage, and much more.