Insurance for Contractors

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

50,000+
contractors trust us
We would be proud to insure your business, so you can focus on what matters most to you. We have specialists who know your business because our focus is you ******
95%
customer claims satisfaction
We want the claim process to be a calming one. We provide you with a single point of contact who can focus on what you need. So, when a claim comes in, you know we're here for you. *****

CONTRACTORS INSURANCE


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

Insurance is so much more than a piece of paper and a promise. Our experienced agents, expert loss control representatives, and construction specialist know your business because our focus is you.


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 associations

Acuity is active in 17 leading national and regional construction associations. We provide industry-specific training to all our underwriters, loss control representatives, and claims adjusters, so they can give you the support you need and deserve.


Contractor Appreciation Contest

Acuity wants to give you the opportunity to show your appreciation for that mentor who helped you get where you are today as a contractor through our Contractor Appreciation Essay Contest, “Who was your mentor and how did they shape your career.





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

Looking to work with a local agent?

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.
    • Many elements are necessary for a successful construction business—great employees, well-established customers, updated equipment, a sound office, and finances. In addition, whether you are starting a new business or already in business, the behind-the-scenes elements of commitment and consistency are also essential.
    • The technology and use of hydro excavation, also known as vacuum excavation, has been a vital service in the construction industry for many years. It has helped avoid countless accidents and injuries when exposing underground utilities.
    • The ability to be handy and perform some maintenance around the house can have its advantages—especially when it comes to saving money. But there is a fine line between what a homeowner can do and where someone more experienced is needed.

    • John L.

    • John L.

    • 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.

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    In business since 1925

    Acuity is the 56th largest insurer in the nation and manages over $4 billion in assets.

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    Our People

    At Acuity, our people make the difference. Our knowledgeable employees are passionate about serving you and take the time to understand your unique needs.