restaurants trust us
positive claims experience
What's covered in a restaurant insurance policy?
Our Bis-Pak® restaurant insurance policy combines property and liability coverages into one convenient insurance form. Additional coverage options give you the flexibility and power to tailor the program to meet your needs and protect your business against loss.
Equipment breakdown
Restaurants depend on refrigeration systems, air conditioning, hot water heaters, boilers, cooking equipment, electrical systems, and computer-based cash registers. Equipment breakdown insurance pays for physical damage to equipment, business income, spoilage, and extra expenses to limit equipment loss or speed repairs.
Liquor liability
Acuity’s liquor liability insurance is designed to fill the coverage gap from general liability policies for businesses who generate a profit from alcohol. Liquor liability insurance offers protection from liability associated with making, selling, and serving alcohol.
Employment-related practices liability insurance (ERPL)
Our employment-related practices liability insurance protects you against claims made by employees alleging wrongful acts you commit as an employer, backed by the strength, stability, and expertise of Acuity.
Food contamination
Food contamination coverage protects the business if it is closed by the Board of Health, or any other governmental authority, as a result of the discovery or suspicion of a food-related illness.
Cyber liability and data breach coverages
You need cyber liability coverage if you could be responsible for or sustain a business loss due to, unintended spreading of malware or a deliberate act that prevents others from gaining access to your computer system through the Internet. If you accidentally lose or release your customers’ personal information, we will pay for data breach response expenses.
Bis-Pak
You expect your business insurance to protect your building and contents in the event of a fire, windstorm, or theft. But did you know that with Bis-Pak® coverage, Acuity automatically provides business income coverage for a covered loss? This means that we will pay some of your continuing expenses and income while your business is being repaired.
Types of Restaurants We Insure
Fine Dining
Family Restaurants
Fast Food
Bakeries
Cafes
Ice Cream Shops
Delicatessens
Bars & Taverns
Caterers
Food Service Contractors
THE ACUITY DIFFERENCE
Associations
Acuity is active in several 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.
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.
Acuity Nurse Helpline
The Acuity Nurse Helpline is a 24/7 service for workers with non-emergency injuries. It can reduce your workers’ compensation expenses and is free to everyone who has a workers’ compensation policy with Acuity.
Safety materials
Our online educational materials, including videos, loss prevention articles, toolbox talks, and much more, are available anytime, anywhere, and will help your business with sustainable growth.
Video resources
Our YouTube channel has up-to-date and interesting information to keep you informed. Get access to helpful videos regarding basic insurance knowledge, trends in the retail industry, and more.
JJ Keller resources
Acuity is committed to providing our customers with valuable safety resources in multiple ways. To broaden that commitment, we are pleased to partner with J. J. Keller & Associates, Inc. to offer streaming safety videos to our customers at no cost (limit three per month).
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.