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.


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.



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.


Get answers from our insurance experts.
    • Unfortunately, it can be months or years after a construction project is completed that defects can surface. Construction defect is a broad term that is generally defined as a defect in the design, materials, workmanship that can affect mechanical systems, building components and structural integrity.
    • Having worked in manufacturing for almost four decades, I'm sometimes asked what I like most. That is a tough question to answer. Manufacturing is constantly evolving and, due to my involvement in a wide variety of manufacturing sectors, I can't narrow it down to one favorite thing. Instead, I put together a list of eight things I love about working in manufacturing.
    • Though your team does a good job managing your operations and you're proud of your safety performance, you still ended up with a Conditional or Unsatisfactory rating. In other words, the FMCSA auditor has determined that your company failed to have “adequate safety management controls in place to ensure compliance with the safety fitness standard.”

    • John L.

    • Michael S.

    • Cliff J.


    Other things you might be interested in.


    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


    Does insurance lingo sometimes leave you guessing? Check out our glossary!


    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.