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 our focus is 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.
    • In today's ultra-competitive business world, companies are always looking for a competitive advantage. This includes improving products or services and expanding into new ventures that bring value to the company's business model. Knowing your industry and then adding a little bit of creativity can develop a uniqueness about your company that can stand out and increase your chances of being ahead of the competition.
    • When you hear the word hybrid, many things may come to mind. You might think about cars that have a combination of electric and combustion engines to propel them or plants that have been genetically modified to grow in adverse conditions or achieve higher yields. Regardless of what comes to mind, the term hybrid refers to the combination of two or more unlike things.
    • When you go home after a long day’s work, you should feel free to focus on your family, not the safety of your business. Unfortunately, there are risks every business must contend with. Fires can happen any hour of the day, but there are steps you can take each day to reduce that risk.

    • John L.

    • Michael S.

    • Michael S.

    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.