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Acadia Insurance

Welcome to Acadia Insurance Agent Resources

Your one-stop resource for agent questions and answers, whether you're an existing agent or interested in partnering with Acadia Insurance.

Acadia Insurance works exclusively through a select network of independent insurance agencies throughout New England and New York state. Our selective distribution strategy enables us to develop stronger relationships with our partners and focus on mutual success. In addition, our flat structure ensures that senior leadership maintain close contact with our agents and enable us to respond to feedback and opportunities quickly.

We seek partners located in our footprint who manage a profitable book of business, who value local expertise and service, and who can meet minimum premium volume commitments.

In return, Acadia Insurance provides its agents with above average compensation and profit sharing potential. In the last three years, 70% of Acadia agencies have earned profit sharing with an average payout exceeding 3% of earned premiums.

If you are interested in representing Acadia Insurance, please contact our local Marketing Director in your area.

For technical help, call: (800) 773-4300

Acadia Insurance - Risk Appetite

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Select the coverage below to learn more about what we offer.

Designed specifically for small business, Acadia Advantage can provide a suite of coverages a small business might need, including liability, property, auto, worker's compensation and umbrella coverages. EPLI and Cyber liability can also be included as part of the Advantage policy. Many coverages limits can be tailored to meet the unique needs of the business so customers pay for just what they need. Get a quote fast in MyAcadia Quote.

Available In

Appetite by Sector

Acadia Small Business has eligible classes in 16 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Construction
2. Retail Trade
3. Other Services (except Public Administration)
4. Wholesale Trade
5. Professional, Scientific, and Technical Services
6. Accommodation and Food Services
7. Real Estate and Rental and Leasing
8. Information
9. Health Care and Social Assistance
10. Administrative and Support and Waste Management and Remediation Services
11. Manufacturing
12. Arts, Entertainment, and Recreation
13. Finance and Insurance
14. Agriculture, Forestry, Fishing and Hunting
15. Transportation and Warehousing
16. Mining, Quarrying, and Oil and Gas Extraction

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$500.00
Maximum
$100,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Eligibility

Eligible risks for Acadia Insurance Acadia Small Business generally meet the following guidelines.

Years in Business
3 (min)
Annual Revenue
$15,000,000 (max)
Full-Time Employees
0 - 250
Number of Vehicles
0 - 15
Number of Locations
1 (min)
Acceptable Entities
Condo Association
C Corporation
Corporation
General Partnership
Individual
Joint Venture
Limited Liability Company
Limited Partnership
Not for Profit Organization
Proprietorship
Partnership
S Corporation
Sole Proprietor
Subchapter S Corporation

Special scheduled property coverage to protect your unique antique and fine art property.

Available In

Appetite by Sector

Antiques & Fine Arts has eligible classes in 17 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Information
2. Finance and Insurance
3. Real Estate and Rental and Leasing
4. Professional, Scientific, and Technical Services
5. Management of Companies and Enterprises
6. Administrative and Support and Waste Management and Remediation Services
7. Educational Services
8. Health Care and Social Assistance
9. Arts, Entertainment, and Recreation
10. Accommodation and Food Services
11. Public Administration
12. Retail Trade
13. Transportation and Warehousing
14. Other Services (except Public Administration)
15. Wholesale Trade
16. Manufacturing
17. Construction

Highlights

  • Inventory Coverage: Held for sale, both owned and consigned items; At the insured's premises; At auction or repair; In transit
  • The Hammer Price value of items sold at auction
  • Coverage for Breakage and Water Damage
  • A tailored valuation approach of owned goods are valued at your costs +50%

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$0.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Acadia Insurance Antiques & Fine Arts generally meet the following guidelines.

We insure a wide range of firms with varied equipment needs, from garden tractors to cranes and can write both small and large contractor's equipment schedules.

Available In

Appetite by Sector

Contractors Equipment has eligible classes in 6 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Construction
2. Administrative and Support and Waste Management and Remediation Services
3. Professional, Scientific, and Technical Services
4. Real Estate and Rental and Leasing
5. Retail Trade
6. Arts, Entertainment, and Recreation

Highlights

  • Full Replacement Cost Coverage for equipment up to 7 years old
  • Leased and rented equipment coverage
  • Rental Reimbursement so a substitute item can be rented after a covered loss
  • Removal of waterborne property exclusion
  • Cargo Coverage for others' equipment
  • Annual adjustment so items do not have to be added or deleted during the policy term
  • Income Coverage
  • Enhancement Endorsement

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$0.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Acadia Insurance Contractors Equipment generally meet the following guidelines.

Precious metals and personal jewelry

Available In

Appetite by Sector

Jewelers Block has eligible classes in 1 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Retail Trade

Highlights

  • Property at Your Premises
  • Property in safe deposit vault of any bank, trust or similar bailee in the jewelry trade
  • Property in transit
  • Property away from your premises and not included above
  • Show windows: In any one window, In any one outside showcase, In all windows and outside showcases
  • Money
  • Additionally covered property: Furniture, fixtures and office supplies; Machinery, tools and fittings; Patterns, dies, molds and models; Improvements or betterments
  • Optional Peak Season Coverage

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$0.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Acadia Insurance Jewelers Block generally meet the following guidelines.

New and Renovation construction projects eligible

Available In

Appetite by Sector

Builder's Risk has eligible classes in 20 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Agriculture, Forestry, Fishing and Hunting
2. Mining, Quarrying, and Oil and Gas Extraction
3. Utilities
4. Construction
5. Wholesale Trade
6. Information
7. Finance and Insurance
8. Real Estate and Rental and Leasing
9. Professional, Scientific, and Technical Services
10. Management of Companies and Enterprises
11. Administrative and Support and Waste Management and Remediation Services
12. Educational Services
13. Health Care and Social Assistance
14. Arts, Entertainment, and Recreation
15. Accommodation and Food Services
16. Other Services (except Public Administration)
17. Public Administration
18. Manufacturing
19. Retail Trade
20. Transportation and Warehousing

Highlights

  • Pro-rata Cancellation
  • Renewals Offered
  • Transit and Temporary Storage
  • Flood and Earthquake
  • Reporting Forms
  • Green Building Coverage
  • Jobsite Trailers
  • Road and Bridge Repair (when a builders' risk form is required)
  • Claim Preparation Expense
  • Renewable Energy Installation Coverage
  • Equipment Breakdown and Hot Testing
  • Delay in Completion (soft costs, loss of rents or income) available
  • Green Delay in Completion Coverage
  • Contract Change Order Coverage
  • Blue Prints

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$350.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Acadia Insurance Builder's Risk generally meet the following guidelines.

Coverage for equipment between job sites

Available In

Appetite by Sector

Mobile Equipment has eligible classes in 19 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Utilities
2. Information
3. Finance and Insurance
4. Real Estate and Rental and Leasing
5. Professional, Scientific, and Technical Services
6. Management of Companies and Enterprises
7. Administrative and Support and Waste Management and Remediation Services
8. Educational Services
9. Health Care and Social Assistance
10. Arts, Entertainment, and Recreation
11. Accommodation and Food Services
12. Other Services (except Public Administration)
13. Transportation and Warehousing
14. Agriculture, Forestry, Fishing and Hunting
15. Wholesale Trade
16. Manufacturing
17. Public Administration
18. Retail Trade
19. Mining, Quarrying, and Oil and Gas Extraction

Highlights

  • Tools/Employee Tools
  • Leased/Rented from Others
  • Rental Reimbursement

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$0.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Coverage for customers who haul goods of others, or their own.

Available In

Appetite by Sector

Motor Truck Cargo/Transportation has eligible classes in 9 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Wholesale Trade
2. Retail Trade
3. Information
4. Mining, Quarrying, and Oil and Gas Extraction
5. Utilities
6. Transportation and Warehousing
7. Arts, Entertainment, and Recreation
8. Manufacturing
9. Finance and Insurance

Highlights

  • Legal Liability coverage for transporting property of others
  • Coverage for operations of all sizes, from owner-operators to 200+ power unit fleets
  • Refrigeration Breakdown coverage
  • Terminal coverage
  • Clean-up and Removal coverage
  • Mobile equipment coverage

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$1,000.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Acadia Insurance Motor Truck Cargo/Transportation generally meet the following guidelines.

Renewable Energy insurance solutions for the solar power industry

Available In

Appetite by Sector

Solar Energy has eligible classes in 4 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Utilities
2. Construction
3. Arts, Entertainment, and Recreation
4. Information

Highlights

  • Energy Generating Income
  • Electricity Replacement
  • Equipment Breakdown
  • Ordinance & Law

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$1,500.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Resources

Eligible risks for Acadia Insurance Solar Energy generally meet the following guidelines.

Coverage for Miscellaneous Property Items

Available In

Appetite by Sector

Scheduled Property has eligible classes in 20 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Utilities
2. Construction
3. Wholesale Trade
4. Information
5. Finance and Insurance
6. Real Estate and Rental and Leasing
7. Professional, Scientific, and Technical Services
8. Management of Companies and Enterprises
9. Administrative and Support and Waste Management and Remediation Services
10. Educational Services
11. Health Care and Social Assistance
12. Arts, Entertainment, and Recreation
13. Accommodation and Food Services
14. Other Services (except Public Administration)
15. Public Administration
16. Retail Trade
17. Transportation and Warehousing
18. Agriculture, Forestry, Fishing and Hunting
19. Manufacturing
20. Mining, Quarrying, and Oil and Gas Extraction

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$0.00
Maximum
$1,000,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.

Acadia Middle Market Appetite includes our appetite for liability, property, commercial auto, and worker's compensation exposure

Available In

Appetite by Sector

Acadia Middle Market Appetite has eligible classes in 20 NAICS sectors. They're ranked in order below. The bar represents the percentage of the sector that may be eligible for the product.

1. Management of Companies and Enterprises
2. Real Estate and Rental and Leasing
3. Professional, Scientific, and Technical Services
4. Retail Trade
5. Wholesale Trade
6. Educational Services
7. Construction
8. Finance and Insurance
9. Accommodation and Food Services
10. Other Services (except Public Administration)
11. Arts, Entertainment, and Recreation
12. Administrative and Support and Waste Management and Remediation Services
13. Manufacturing
14. Health Care and Social Assistance
15. Public Administration
16. Agriculture, Forestry, Fishing and Hunting
17. Information
18. Transportation and Warehousing
19. Mining, Quarrying, and Oil and Gas Extraction
20. Utilities

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$10,000.00
Maximum
$2,500,000.00

Premium guidance is included to give an indication of the approximate risk size written through this product. It is not an indication of annual premium associated with any particular individual risk.