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Specialized Coverages

Acuity is a highly rated commercial insurer providing all coverages that a retail store or restaurant may need, including general liability, property, workers’ compensation, businessowners, cyber liability, and crime. We also understand each risk is unique, and we work to tailor our coverage to those unique situations—giving you peace of mind so you can focus on your business.


Business interruption coverage

Your business is your livelihood. In the unfortunate event that a loss leads to temporary closure of your business, we will help cover your loss of income while we get you back on your feet.

 

 

Equipment breakdown coverage

Whether  you operate a restaurant, grocery store, or gas station, you rely on your equipment.  Let us make sure you’re covered if it breaks down. This coverage will not only pay for loss to your equipment, but also loss of income and potential spoilage of goods.

 

 

Food contamination

Even with the necessary precautions and procedures in place to keep food clean, you are still at risk for contamination. Let us cover the expense to clean your equipment, replace your contaminated product, and help you restore your reputation.

 

 

Employee dishonesty

As an employer, you try your best to hire good people. However, there is always the chance a bad apple sneaks in. This coverage protects you against loss from dishonest acts committed by an employee.

 

 

Food spoilage

If your business uses or sells perishable stock that relies on temperature or humidity control, you know how devastating a mechanical breakdown or power outage can be. We can cover your perishable stock in the event there is a mechanical breakdown or power outage.

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.


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Get answers from our insurance experts.
    • The safety of your clients and potential clients is always top of mind when showing properties, but it is especially important during a pandemic. Working in an industry where showing properties is vital to business, you are facing unique challenges. However, there are ways to show properties while keeping yourself and your clients safe.
    • With everything happening in the world today, many of us have experienced changes to our routines. Some are working from home for the first time, others have been operating a business out of their home for years, and some have had to transition their small business from a shop location to their home in an attempt to save their business. If you are operating a business out of your home, it is important to make sure you are properly covered.
    • If you are like many people, after you've been living in your home for a while, you start to look for DIY projects. From small changes to big renovations, it can be fun to give your spaces an updated look. Before you get to knocking out walls, may we suggest starting with a small painting project to get you warmed up?

    • Dana B
      Author of Services & Retail Focus

    • Addie B.
      Author of Home Focus

    • Addie B.
      Author of Home Focus

    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.


    Equipment breakdown coverage is broader and covers air conditioning equipment, whereas food spoilage coverage is specific to food spoilage caused by equipment or mechanical breakdown or failure.


    A return-to-work (RTW) program is a way to get injured workers back to work more quickly. Job duties may be modified to accommodate an injured worker’s temporary impairment. Employers embracing a RTW program gain reward across every area of operational effectiveness. Most people want to be productive, generating value for themselves, their family, and their employer. An effective RTW plan reassures your employee that he or she is respected and valued. Additionally, if you are a company that has an E-Mod applied to your work comp insurance premium, an RTW program can help limit the negative impact a loss has on the E-Mod calculation.


    Thankfully, bringing charges against an employee who stole from you isn’t required for you to make a claim. This can help you through some awkward situations and may make the process easier. However, a filed police report will be required during the claims process.