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Insurance for Retailers

Acuity provides the insurance you need

so you can focus on operating your business.

12,000+
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. ******
96%
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 experience 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.

Small business retail essay contest

To celebrate Small Business Saturday we want to share a small retailer’s origin story. Tell us your story or a story of a small retail business you love for a chance to win!

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

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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

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.
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Get answers from our insurance experts.
    • There are only so many hours in a day, so to attain this balance, you will need to be strategic and create free time away from your business. Achieving work-life balance can be a challenge, but there are some things you can do to help make it more attainable.
    • As a small business owner, you know how hard you work to grow your business and keep it running efficiently. You find the perfect merchandise, hire the best workers you can, and market your business to keep new customers coming in. All this hard work needs to be protected, so you can keep focusing on the things you love.
    • When an emergency occurs, being prepared is no accident. It all starts with a good plan. According to the Federal Emergency Management Agency, up to 60% of small businesses never reopen their doors following a disaster, so it is critical for every business to have a well-written emergency action plan.
    • Aaron S.
    • Sarah B.
    • 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.

    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 retail businesses do you cover?

    We insure a wide variety of retail 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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    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.