retailers and restaurants trust us
claims satisfaction
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
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
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 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.
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 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.
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
Aaron S. is our Retail guru
RESOURCES
Other things you might be interested in.
Acuity has a number of brochures that explain our policies, coverage options, and services in additional detail.
Watch our helpful, to-the-point merchant videos featuring Aaron, our industry specialist!
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.
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 59th largest insurer in the nation and manages over $5 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.