Insurance for Contractors

We apply our deep construction expertise to give you the coverage you need for the business that has your heart.

Contractors insurance

Coverages built with contractors in mind.

Workers' Compensation

No business owner wants to see his or her employees get injured on the job. Rest assured that with Acuity’s workers’ compensation insurance, when an injury does occur, we will take care of your employee by getting them the help they need so they can get back to work.

Commercial auto insurance

Does your business rely on vehicles to get work done? When an employee is involved in an auto accident our commercial auto insurance protects your business. Acuity would love to keep you working and on the road.

Acuity’s Businessowners Policy – Bis-Pak®

Bis-Pak® is the easiest way to insure smaller businesses. The broad coverage insures buildings, contents, and liability with business income included automatically—all in one simple policy.

General Liability

This protects you when someone takes legal action against you, including your defense costs when a customer slips on a wet floor or falls on incorrectly installed stairs. With Acuity’s general liability coverage, you will feel at ease knowing we have your back.

Meet the guru

John Lack is Acuity’s in-house construction consultant. With loads of expertise and more than 35 years in the industry — as a carpenter, a business owner, and many other roles along the way – John understands the needs and challenges of contractors like you.

Do I need contractors insurance? 

Being properly insured can help ensure that your business is protected if things don’t go as planned. We insure all kinds of contractors, including everything from steelwork and wallpapering to framing and road building.  


Here are some business that can benefit from construction insurance: 

  • Excavation 

  • Home improvement 

  • Land clearing 

  • Remodeling 

  • Home buliding 

  • Asphalt laying 

  • Sprinkler installation 

  • Parking lot striping 

  • Fence & deck building 

  • Concrete laying 

  • Stone & granite work 

  • Roofing windows & siding 

Specialized coverages 

While all contractors have construction in common, each individual business is unique. The following optional coverages allow us to custom design a policy just for you. 


Property in the course of construction 

Our unique property in the course of construction coverage includes installation and builders’ risk coverage in one. This coverage is designed to protect you whether you are building a commercial structure or installing new fixtures in a kitchen. 


Contractors’ equipment 

This coverage protects equipment, small tools, employees’ tools and borrowed equipment when you are on the job. Additionally, our business income coverage protects you against loss of income resulting from damaged or lost equipment. 


Contractors’ errors and omissions 

Even the most seasoned contractor can make mistakes. Ensure your reputation stays intact by protecting yourself with this valuable coverage, which pays for any work done incorrectly. 

Additional insured 

A contractor or project owner may request to be added to your policy as an additional insured. Acuity offers an extensive portfolio of additional insured endorsements. 


Voluntary property damage 

This insurance covers accidental damage you may cause to a property you’re not working on, but that was left in your care or control at a job or work site.



Installation coverage focuses on smaller jobs such as remodeling projects. It also covers materials at your construction site as well as in transit. 


Builders’ risk 

This coverage protects the buildings you have under construction and pays for materials at your construction site or in transit.

We see you as a partner.

The Acuity Difference

Why thousands of contractors choose Acuity

Loss control professionals

We care deeply about our insureds, their businesses, and their customers. We staff highly trained loss control professionals who work directly with you to help improve safety, prevent accidents, and protect your most valuable assets—your employees.

OSHA 10-hour training

Acuity’s OSHA 10-hour training is offered at no cost to our insureds and taught by authorized trainers at locations throughout our operating territory.

Construction contract help

Do complex contracts have your head spinning? Our expert agents can help with most of your questions. However, if the issue needs further legal review, we offer access to a network of attorneys specializing in construction contracts.

Acuity Nurse Helpline

The Acuity Nurse Helpline is a 24/7 service for workers with nonemergency injuries. It can reduce your workers’ compensation expenses and is free to everyone who has a workers’ compensation policy with Acuity.


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Have questions? We have answers.

We insure all kinds of contractors, including everything from steelwork and wallpapering to framing and road building! 

Both—and everything in between! We have the expertise and coverages to adequately insure large construction firms, yet we understand the market demands of small operations. We write thousands of contractors of all sizes.

You can easily get a certificate of insurance from your independent insurance agent or online through our website 24/7!

We started out as Mutual Auto Insurance Company of the Town of Herman in 1925 and have been insuring contractors for over 40 years!

Where to next?

More resources

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When you call, a helpful Acuity employee will answer. Call us at 800.242.7666

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