Property Coverage Details

Our business property insurance provides the protection you need for your building and contents. You will have peace knowing you are protected against the worst life can throw at 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. 

  • Business income provides coverage for continuing expenses and income while your business is being repaired or lost rental income due to a loss.

  • 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. 

Get a property quote

Let us focus on your property insurance so you can focus on 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.


    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. 


    Sewer backup coverage is not provided under the standard property policy. You can obtain coverage with the Acuity water backup and sump overflow endorsement.


    Acuity’s full building coverage endorsement ensures your building limits are high enough.


    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.