Insurance for Retailers

Acuity’s businessowners policy is designed with retailers like you in mind.

retailers 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 your policy will cover you when you need it. ******
positive claims experience
We want the claim process to be a calming one. We provide you with a single point of contact who can focus on what you need. So, when a claim comes in, you know we're here for you. *****

What's covered in a retail insurance policy?

Our Bis-Pak® retail 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.

Cyber liability and data breach coverages

You need cyber liability coverage if you could be responsible for or sustain a business loss due to, the 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.


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.

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.


Acuity’s commercial crime coverage protects you against the dishonest acts of your employees and others, including theft of your property, fraud, or theft of a client’s property. Eleven types of coverage are available, including employee theft, forgery or alteration, computer and funds transfer fraud, theft of money and securities, robbery or safe burglary, and money orders and counterfeit money.

Equipment breakdown

Your store depends on air conditioning, hot water heaters, boilers, electrical systems, computer-based cash registers, business machinery, and electrical equipment. Equipment breakdown insurance pays for physical damage to equipment, business income, spoilage, and extra expenses to limit equipment loss or speed repairs.


Acuity’s business liability insurance protects you when someone takes legal action against you, including your defense costs when a customer slips on a wet floor or falls on stairs. With Acuity’s general liability coverage, you will feel at ease knowing we have your back.


Types of Retailers We Insure


Grocery Stores & Food Markets

Building Material Dealers

Furniture Stores & Dealers

Gas Stations & Convenience Stores

Auto & Home Supply Stores

Liquor & Tobacco Stores

General merchandise

Household Appliances Stores

Hardware Stores

Online Stores


Clothing Stores

Drug Stores

Sporting Goods Stores

Computer Stores

Hobby, Toy, and Game Stores

And more!

Aaron S. joined Acuity in 2017 as our Retail Specialist—bringing with him almost 30 years of experience in a broad range of retail.



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).


Get answers from our insurance experts.
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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.