Retail insurance

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

Retail insurance

Coverages built with retailors in mind.

Acuity’s Businessowners Policy – Bis-Pak®

Bis-Pak® is the easiest way to insure smaller businesses. The broad coverage insures buildings, contents, and liability with business income included automatically—all in one simple policy.

Commercial auto insurance

Does your business rely on vehicles to get work done? When an employee is involved in an auto accident our commercial auto insurance protects your business. Acuity would love to keep you working and on the road.

Workers' Compensation

No business owner wants to see his or her employees get injured on the job. Rest assured that with Acuity’s workers’ compensation insurance, when an injury does occur, we will take care of your employee by getting them the help they need so they can get back to work.

Property Coverage Details

From building and contents coverage to loss of income and full replacement coverage, Acuity property insurance provides broad coverage for your property’s needs.

Meet the 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 industries.

Do I need retail insurance? 

Being properly insured can help ensure that your business is protected if things don’t go as planned. We insure all kinds of retailors, including everything from grocery stores to online shops.  


Here are some business that can benefit from construction insurance: 

  • Grocery stores & food markets

  • Building material dealers

  • Furniture stores & dealers

  • Gas stations & convenience stores

  • Auto & home supply stores

  • Liquor & tobacco stores

  • General merchandise

  • Household appliance stores

  • Hardware stores

  • Online stores

  • Florists

  • Clothing stores

  • Drug stores

  • Sporting goods stores

  • Computer stores

  • Hobby, toy, & game stores

Specialized Coverages 


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.  



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. 

Looking to work with a local agent?

The Acuity difference

Why thousands of retailors choose Acuity

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.

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).

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.


Get answers from our insurance experts.
Self-checkout, online shopping, curbside-pickup, same-day delivery—consumer shopping has evolved over the last 20 years thanks to innovations in omni-channel technology. But with innovation comes more opportunities for exploitation. As the technology consumers use to shop becomes more sophisticated, so do the tactics, techniques, and procedures used in retail theft.
Small Business Saturday is your time to shine and show everyone why your business deserves their time and money.
Many retailers are struggling to recruit and retain employees. In the webinar “How to Find, Keep, and Motivate Employees Today” from the Food Marketing Institute, Harold Lloyd, president of H. Lloyds and Associates, Inc., shared tips to make your store appealing to potential and current employees.


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.

Where to next?

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