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Insurance for Retail and Restaurants

Acuity provides the insurance you need

so you can focus on operating your business.

12,000+
main street merchants 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. *****

INSURANCE FOR RETAIL AND RESTAURANTS

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

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

Acuity knows retail and restaurants

Acuity knows retail and restaurants

Specialized coverages

Along with all the coverages you’d expect, we offer a suite of additional coverages catered to your business. These additional coverages include equipment breakdown, business interruption, spoilage, food contamination, cyber liability, and data breach, just to name a few.

Restaurant and retail expert corner

Acuity has a diverse team of seasoned insurance professionals who focus on continually understanding the state of the retail industry. Our team participates in several state and national associations and is trained and advised on industry topics by our retail and restaurant specialist.

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.

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.

Business insurance for merchants

As an independent business, you have enough to worry about. Let Acuity provide the insurance you need so you can focus on operating your business.

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

CUSTOMER STORIES

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"I was 2,000 miles away when I received a call from the sheriff's department at one o'clock in the morning saying my business was on fire. My stomach just dropped... Acuity was there that morning -- even before I was."

Andy

Wausau, WI

Sarah B. is our Mercantile guru

Sarah B. came to Acuity this year with a background in retail. She studied Interior Architecture in college and completed an online business education program through Harvard Business School.
BLOG
Get answers from our insurance experts.
    • Payroll is one of your highest expenses, if not the highest. Therefore, your employees should be your business's greatest asset. It is important to show your employees they are valued so you and your employees can operate the business together efficiently.
    • Each potential crisis is as unique as the business it could happen to. Google defines crisis as “a time of intense difficulty, trouble, or danger.” Location, operations, personnel, business plans, and other factors can have a significant impact on what a crisis means to you and your business.
    • Reducing shrinkage in your business can seem like an insurmountable task, because it involves all areas of your operations. Research conducted by the Food Marketing Institute (FMI) and The Retail Control Group shows that 64% of store shrink is directly caused by a breakdown in or the absence of effective store operating best practices.
    • Sarah B.
    • Sarah B.
    • Sarah B.

    RESOURCES

    Other things you might be interested in.

    Brochures

    Acuity has a number of brochures that explain our policies, coverage options, and services in additional detail.

    Videos

    Watch our helpful, to-the-point merchant videos featuring Sarah, our industry specialist!

    Glossary

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

    FAQs

    Have questions? We have answers.

    How long has Acuity been in business?

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

    What types of Mercantile businesses do you cover?

    We insure a wide variety of mercantile risks, from restaurants and grocery stores to sporting goods and hardware stores. 

    My business is my livelihood, how can I be sure Acuity will be there for me when I need them?

    We are one of the rare companies that maintain A+ financial ratings from A.M. Best and Standard and Poor’s.  Of the 3,000 property-casualty carriers in the nation, we’ve consistently been ranked as one of the best-run companies by Ward Financial Group.

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

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    Happy employees lead to happy customers

    Ranked #9 on the FORTUNE “100 Best Companies to Work For®” 2017 list

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