Insurance for Contractors

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

40,000+
contractors trust us

We would be proud to insure your business so you can be free to focus on what matters most to you. We understand the unique challenges you face and provide you with peace of mind knowing that your policy will cover you when you need it.

96%
customer claims satisfaction

We want the claim process to be a calming one. Your satisfaction is extremely important to us. So when a claim comes in, we'll put your mind at ease and make sure you know you're covered.

CONTRACTORS INSURANCE


Here’s what we’ll cover for your construction business.

Insurance is so much more than a piece of a paper and a promise. Let our experienced agents, expert loss control representatives, and construction specialist partner with you to achieve total insurance Acuity.


Acuity knows construction

Acuity knows construction


Specialized coverages

Along with industry standards, we offer specialized coverage specifically tailored to you in the construction industry.


Construction expert corner

Acuity has a diverse team of seasoned insurance professionals who focus on continually understanding the state of the construction industry. Our team is trained and advised on industry topics by our construction specialist, who has decades of construction experience.


Loss control professionals

We care deeply about our insureds, their business, 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.





M.A.S.H.

M.A.S.H. is a 24/7 nurse hotline for workers with non-emergency injuries. This service is free to everyone who has a workers’ compensation policy with Acuity, and it can reduce your workers’ compensation expenses.


Construction contract help

Do complex contracts have your head spinning? Unless you’re an attorney, they probably do. 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.


Safety and educational resources

Our exclusive online educational materials, including videos, loss prevention articles, tool box talks, and much more, are available anytime, anywhere, and will help your business with sustainable growth.





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.


AcuitySmartPay

No more surprises at audit! As a contractor, we understand your workforce may fluctuate throughout the year. AcuitySmartPay is a pay-as-you-go program that allows seasonal business to pay more premium during busy times and less when it’s slow.


Business insurance for contractors

From the standard property, liability, and workers compensation coverages to the optional contractor specific coverages, Acuity has the right products to give you the peace of mind you deserve.

Our passion is our customers and it shows.
Our passion is our customers and it shows.

CUSTOMER STORIES


"Acuity has always been there for me (our business). When there was a Workers Compensation claim they handled it professionally and personally with both myself and the employee"

Nancy

Waunakee, WI

John L. is our Construction guru

John L. is Acuity’s in-house construction specialist. John has loads of experience to share, with over 35 years in the industry—as a carpenter, a business owner, and many other roles along the way.

BLOG

Get answers from our insurance experts.
    • In a very competitive industry, contractors are always looking for ways to stand out and have an upper hand over their competition. For some of us old timers who have been in the industry for many years, we look around and can’t believe how much things have changed! Our rulers, measuring wheels, and calculators have been set aside to make room for computer estimating software.
    • As you prepare to complete and post your OSHA 300A, providing a summary of work-related injuries and illnesses, it’s a good time to think about the new OSHA requirements and how they will affect you. Four major updates are effective in 2017—electronic recordkeeping requirements, anti-retaliation protections, walking-working surfaces and fall protection, and beryllium exposure limit.
    • Tracking financial assets is an important part of running a successful business. As a contractor, one of my greatest investments was my equipment. The industry segment I was in required skid steers, trucks, and trailers with tens of thousands of dollars of tools. This was the equipment that made my company money, which also made it one of my most important assets.

    • John L.

    • Cathy B.
      Loss Control Specialist

    • John L.

    RESOURCES


    Other things you may be interested in.

    Loss control

    Acuity offers an extensive library of loss control resources to help keep your employees and company operating safely

    Videos

    Watch our helpful, to-the-point construction videos featuring John, our industry specialist!

    Glossary

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


    FAQs


    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!


    ABOUT US

    Get to know us.

    We're rated A+

    Only commercial regional insurer to be rated A+ by both A.M. Best and Standard & Poor's, making Acuity an icon of strength.

    In business since 1925

    Acuity is the 57th largest insurer in the nation and manages nearly $4 billion in assets.

    Happy employees lead to happy customers

    Named #2 on the 2016 FORTUNE "100 Best Companies to Work For®" list.