Landlord insurance


Acuity provides the insurance that you need so that you can focus on running your business.


Landlord insurance for rental properties

Coverage built with landlords in mind.

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.

Property Coverage Details

From building and contents coverage to loss of income and full replacement coverage, Acuity property insurance provides broad coverage for your property’s needs.

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.

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.


Specialized Coverages 

Directors' and officers' libability - condominium or cooperative 

You and your directors and officers work hard to keep your operation running smoothly. With this coverage, we can protect you from claims resulting from their service as directors or officers so they can focus on keeping your business running in tip-top shape. 

 

Water backup and sump overflow coverage

Water can cause substantial damage to your property – and it can cost you a pretty penny to fix it. Protect your property by adding this coverage for losses caused by water backup or overflow from a sump. 

 

Full building coverage

With replacement cost and actual cash value, a building limit will appear on your policy and your insurance company will not pay more than that limit to rebuild your building. With full building coverage, there is no building limit, meaning that we will pay to have your building rebuilt to exactly how it was before the loss - no matter the price. 

Business interruption coverage

Your business is your livelihood. In the unfortunate event that a loss leads to temporary closure of your property, we will help cover your loss of income while we help you get back on your feet. Rental income coverage is automatically included in our businessowners (Bis-Pak) plan, and it is an option in a package plan. 

 

Ordinance or law 

A claim causing damage to your building is bad enough. Adding insult to injury, your building could be found inadequate according to current city, state, or federal ordinances when it’s time to rebuild. The standard property form does not cover some of the costs of rebuilding, such as increased construction costs to bring the building up to current code. Adding ordinance or law coverage can pay for these extra charges. 

Equipment breakdown coverage

You rely on your equipment to keep your property running smoothly. Let us make sure you’re covered if it breaks down. This coverage will not only pay for loss to your equipment, but also loss of income. 

 

Employee dishonesty

As an employer, you try your best to hire good people.  However, there is always the chance one of your employees is facing a difficult situation and can not resist temptation.  This coverage protects you against loss from dishonest acts committed by an employee, whether identified or not, and acting alone or in partnership with other people. 

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The Acuity Difference

Why thousands of landlord and property owners trust us

Loss Control Professionals

Once an injury occurs, it is too late to assess what should have been done. We staff highly trained loss control professionals with manufacturing backgrounds who work directly with you to help improve safety and prevent accidents.

Safety materials

Our online educational materials, including videos, loss prevention articles, and much more, are available anytime, anywhere, and will help you sustainably grow your business.

State-of-the-art claims services

You do your best to keep your property loss-free, but when one does happen, you will receive immediate care with Acuity. In our 90+ years of experience, we have handled fires, tornadoes, and everything in between. We will contact you the same day the claim occurs and, in the event of a large loss, our team will be on the scene ASAP to begin working on your claim. Rest easy – we’ve got your back.


FAQs


Have questions? We have answers.


We insure a variety of properties, including apartments, condominiums, and rental dwellings such as single-family houses and duplexes.


No, we do not. Some other carriers are moving towards using a separate deductible for wind and hail claims that is usually higher than the standard property deductible. Acuity does not have a separate wind and hail deductible, meaning that you would pay the same deductible for a wind or hail claim as you would any other cause of loss.


Both! We write a wide range of property owner sizes, from just 1 property to 20 or more!


Certainly! We offer coverage for both condominium associations and homeowner associations.



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