Insurance for Retailers

Acuity provides the insurance you need

so you can focus on operating your business.

8,500+
retailers and restaurants 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. *****

INSURANCE FOR RETAILERS


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

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


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.


Safety and educational resources

Our exclusive online educational materials, including videos, loss prevention articles, and much more, are available anytime, anywhere, and will help you protect and grow your business. Topics you as a property owner may find interesting include strategies for emergency planning and safety programs.


Retail associations

Acuity is active in 20 leading national and regional retail 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.





Small business retail essay contest

For the second year in a row, we want to celebrate Small Business Saturday by sharing a small retailer’s origin story. Check out the winners.


Retail and restaurant 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 retailers

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


"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

Looking to work with a local agent?

Aaron S. is our Retail guru

Aaron S. joined Acuity in 2017 as our Retail Specialist—bringing with him almost 30 years of experience in a broad range of retail.

BLOG

Get answers from our insurance experts.
    • If you feel like you’ve been hearing about overtime changes for years, you’re not wrong. When the changes were first introduced under the Obama administration in 2016, they were hotly debated. In September of this year, the Department of Labor (DOL) announced the final rule, which splits the difference between the proposed 2016 regulation and the existing rule.
    • In 2018, 42% of Americans said they shopped or dined at local independently owned businesses on Small Business Saturday, which equates to approximately 104 million shoppers in one day. Small Business Saturday is your time to shine and show everyone why your business deserves their time and money.
    • In retail, offering a great experience has become the expectation businesses must live up to, but what happens if your business is facing an issue with theft or shoplifting? Often, the best way to sell an item is not the best way to protect it. Locking everything up in a glass case or locked cabinet affects your customers' ability to touch, feel, or hold items, which can negatively impact their overall experience.

    • Aaron S.

    • Aaron S.

    • Aaron S.

    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 Aaron, our industry specialist!

    Glossary

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


    FAQs


    Have questions? We have answers.


    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!


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


    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 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.