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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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What Can Increase Crash Risk for Truck Drivers? How Distance, Routes, and Cargo Play a Role
Not every trucking trip presents the same level of risk. This article explores how distance, route conditions, and cargo characteristics can affect vehicle stability, driver workload, and overall trip predictability—helping fleet operators better understand the factors that shape commercial driving safety.
3 Ways to Improve Mental Health in the Trades
The trades industry is built on hard work, resilience, and dedication — but behind the strength of the workforce, many employees face mental health challenges that often go unnoticed and can take a serious toll. By creating a culture that prioritizes mental health awareness, provides meaningful support and accommodations, and ensures access to care, employers can help build safer jobsites, stronger teams, and healthier lives both on and off the clock. Explore three impactful ways skilled trades employers can better support the mental health of their workforce.
Why New Employees Are More Likely to Be Injured on the Job—and How to Help Prevent It
New employees are more likely to experience workplace injuries during their first year on the job as they adjust to new environments, equipment, and expectations. Learn why the first 90 days matter most and learn practical ways businesses can improve onboarding, strengthen safety habits, and reduce workplace incidents as their teams grow.

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Brochures

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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!

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FAQs

Have questions? We have answers.

What is the difference between equipment breakdown coverage and the mechanical failure in food spoilage coverage?

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.

What is a return-to-work (RTW) program?

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.

If you have an employee who stole money from you, do you have to press charges in order to start a claim?

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.