Specialized coverages

Acuity is a highly rated commercial insurer that provides the coverages a service business 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 coveage to those unique situations—giving you peace of mind so you can focus on your business.


Business interruption 

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

 

Garagekeeper's insurance

Does your business ever have other people’s vehicles in your possession?  If so, you need this coverage to protect you in the event that a vehicle in your possession is damaged.

 

 

Cyber liability coverage

As a service business, you probably store customer data electronically.  What would happen if this data was attacked? Acuity will provide coverage to assist you in restoring the data, covering the loss of business because of the attack, and for public relations services to assist you in communicating the attack to your customers.

 

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.

 

 

Bailee coverage

If your business involves the temporary possession of someone else’s property (such as cleaning or repairing it), you need this coverage to protect you if the property is damaged or destroyed.

 

Professional liability coverage

As a provider of a service to customers, sometimes things go wrong.  When a service doesn’t turn out as a customer expected, they may hold you or your company liable.  You need coverage to protect yourself and your business when these situations arise. Professional liability insurance covers the legal fees, judgements, and settlements that can result when things don’t go as planned. Acuity covers professional liability for barbers and beauticians, funeral directors, and veterinarians.

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Let us focus on your insurance, so you can focus on running your business.


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Get answers from our insurance experts
    • After years of standard cubicles, open-concept offices are making a comeback. These open offices tout collaboration and cost cutting, and many newly constructed offices are utilizing this layout. But just because it is popular, doesn’t necessarily mean it’s right for you.
    • As the world around us becomes more and more technology oriented, businesses must evolve to keep up. This is especially true for the real estate business.
    • If you manage downtown rental properties, you may have noticed that your space is becoming more popular. In mid- to large-sized cities, companies and individuals are flocking to downtown areas.

    • Paige N.
      Author of Services & Merchant Focus

    • Paige N.
      Author of Services & Merchant Focus

    • Paige N.
      Author of Services & Merchant Focus

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    Other things you might be interested in

    Brochures

    Get an in-depth look at policy coverages and the industry-specific programs Acuity offers.

    Videos

    Acuity produces a variety of videos to help simplify complex insurance topics.

    Glossary

    Use this reference to help decipher frequently used insurance terms.


    FAQs


    Have questions? We have answers.


    Most general liability policy language was written long before our current digital technology was developed.  Cyber liability insurance was created to protect customers from risks such as hackers and viruses.


    No, you do not.  This should help alleviate stress to you and make the process easier. However, a filed police report will be required during the claims process.


    Since this coverage offers protection for property belonging to a customer, any business that takes temporary possession of a customer’s property to repair or clean it, should purchase this coverage. Typical industries would include auto repair shops and dry cleaners.