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 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 RETAILERS


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 retail 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.


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

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.
    • There is no doubt that small business owners are busy people. Your business takes up nearly every free minute and the tasks never seem to end. During the holiday season, all of this gets magnified, and it can become more difficult to manage.
    • In today's age we are much more in tune with health of the environment around us and what we are putting into our own bodies. Environmental health is the combination of these two things.
    • In the competitive retail market, offering great customer service is a key factor to your business’s success. When it comes time to add a new member to your team, it can be challenging to find the right person—especially if you don't have an HR department dedicated to supporting and completing the task.

    • 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 Sarah, 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 mercantile 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 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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