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.


BLOG

Get answers from our insurance experts.
    • Like many industries, construction has changed quite a bit in the past 10 to 15 years. I remember the industry 40 years ago, when I started in it, and it looks nothing like the construction of today. When I talk to contractors who have been in the construction industry as long as I have, we end up reminiscing about how the industry was when we first began. There seems to be a connection as we share with each other how we used to do things—things that this generation today will never experience.
    • As a small business owner, you know that health insurance-related costs are a big concern. But while you know healthcare is expensive, you also know that keeping your employees healthy is important to their happiness and your bottom line. As more jobs shift to an office setting, sitting is now being referred to as the new smoking. Therefore, your office building is in a unique position to get employees more active.
    • It’s summertime, and that means it’s grillin’ time. Unfortunately, those gas and charcoal grills that help create the perfect steak also create an additional fire hazard. Each year, grills cause nearly 9,000 fires and result in 16,000 injuries—over half of which are burns.

    • John L.

    • Paige N.
      Author of Services & Merchant Focus

    • Addie B.
      Author of Home 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.


    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.