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At Acuity, the difference is our people. Our knowledgeable, experienced associates provide value by partnering with your business. We believe in sharing not only our safety knowledge, but other information that we hope you will find useful. 

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Acuity - Risk Appetite

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

Insurance for property on the move. Whether your insured owns equipment at a job site, keeps supplies away from their jobsite, or hauls goods of others, your insured has property on the move. Inland marine coverage is designed to protect your insured if covered property is damaged away from their premises.

Available In

Appetite by Sector

Inland Marine 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

  • Contractors’ equipment: Whether your insured’s tools and equipment are in their shop, on their truck, or at a job site, four options are available. We insure scheduled equipment, unscheduled equipment with a value under $2,500, employee tools, and non-owned or rented tools and equipment.
  • Motor Truck Cargo: If your insured hauls goods for others or themselves, they need motor truck cargo insurance. Acuity offers three coverage options – owners coverage when an insured hauls for themselves and two other options when hauling for others.
  • Property in the course of construction: Contractors never have to decide if they need coverage for installation or buildings under construction because Acuity’s property in the course of construction coverage combines the features of both. This coverage is designed to protect insureds whether they are building a commercial structure or installing new fixtures in a kitchen.
  • Builders’ risk: Protects the buildings your insureds have under construction. This coverage also pays for materials on your insureds construction site as well as the transportation of those goods and materials.
  • Installation coverage: This focuses on smaller jobs, such as remodeling projects. It also pays for materials on your insured’s installation sites as well as transportation of those goods and materials.

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$0.00
Maximum
$100,000,000.00

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 Acuity Inland Marine generally meet the following guidelines.

Lawsuits are larger than ever. It feels like a roll of the dice whether the injuries suffered are small or catastrophic. Don’t gamble with the future of your insured’s company. Get the limits your insured needs with Acuity commercial excess liability. Acuity specifically offers an Excess Policy so limits and coverages follow the underlying forms.

Available In

Appetite by Sector

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

Highlights

  • Insureds gain the advantage of a single carrier providing seamless coverage for various liability exposures.
  • Claims are handled consistently from start to finish across all liability coverages by a single member of our expert claims staff

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$500.00
Maximum
$100,000,000.00

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 Acuity Excess Liability generally meet the following guidelines.

A General Liability policy provides three primary coverages: • Bodily Injury - coverage for required medical attention and lost work time. • Property damage - coverage to repair or replace damaged property, as well as loss of use. • Personal and advertising injury - coverage when your insured is sued for libel or slander.

Available In

Appetite by Sector

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

Highlights

  • An Acuity General Liability policy includes medical payments for small claims that cause injury without having to establish that the insured was at fault
  • We don't make you hunt for which coverages you think your client will need; we automatically add our silver enhancement endorsement to every general liability policy
  • Acuity automatically applies the policy’s aggregate limit separately for each project and to each location

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$250.00
Maximum
$100,000,000.00

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 Acuity General Liability generally meet the following guidelines.

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

Available In

Appetite by Sector

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

Highlights

  • Acuity understands each business is unique and your insured might need more coverage than the standard property policy provides. The Acuity silver enhancements endorsement is included with every property policy
  • In addition to providing an increased limit for property off-premises, lock replacement, and outdoor signs, Acuity automatically provides many additional coverages we believe are crucial to protecting your business

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$250.00
Maximum
$100,000,000.00

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 Acuity Property generally meet the following guidelines.

No business owner wants to see their 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 their employees by getting them the help they need so they can get back to work. Acuity also covers employers' liability. The second part of workers’ compensation insurance is employers' liability. This insurance covers the employer’s liability to employees for work-related injury or disease.

Available In

Appetite by Sector

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

Highlights

  • Acuity offers M.A.S.H, a 24/7 nurse triage for workers with non-emergency injuries. This service is free of charge to all Acuity workers’ compensation accounts
  • Acuity automatically reviews every bill to make sure the treatment is applicable to the injury and charges are billed correctly
  • Prescription drugs can be very expensive. To control these costs, Acuity has partnered with a pharmacy management company that assists in choosing a cost-effective drug that fits the injured worker’s needs

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$250.00
Maximum
$100,000,000.00

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 Acuity Worker's Compensation generally meet the following guidelines.

Acuity’s BOP, or business owners policy, is called Bis-Pak. It’s the easiest way to get coverage for your insured’s needs. You can tailor the coverage to their individual business from our wide- range of optional coverages. With Bis-Pak you can focus on your insured’s operations, without worrying about their insurance.

Available In

Appetite by Sector

Acuity’s Businessowners Policy – Bis-Pak® has eligible classes in 18 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. Public Administration
3. Finance and Insurance
4. Retail Trade
5. Professional, Scientific, and Technical Services
6. Health Care and Social Assistance
7. Construction
8. Other Services (except Public Administration)
9. Accommodation and Food Services
10. Wholesale Trade
11. Real Estate and Rental and Leasing
12. Manufacturing
13. Administrative and Support and Waste Management and Remediation Services
14. Transportation and Warehousing
15. Information
16. Educational Services
17. Arts, Entertainment, and Recreation
18. Agriculture, Forestry, Fishing and Hunting

Highlights

  • We automatically add several coverages to the standard industry businessowners policy at no charge
  • We get rid of the limit and provide business income coverage on an actual loss sustained basis
  • The total we will pay for liability applies separately to each location as well as to each project, so your insured can get extra protection when they need it
  • We also include $25,000 ordinance or law coverage, so they don’t have to worry about unexpected reconstruction expenses because of changes in local laws or rules

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$500.00
Maximum
$100,000,000.00

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 Acuity Acuity’s Businessowners Policy – Bis-Pak® generally meet the following guidelines.

Whether you call it commercial automobile, business automobile, truckers’ insurance, or motor carrier insurance, Acuity has all the coverages you need to protect your insureds.

Available In

Appetite by Sector

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

Highlights

  • Acuity advantages. Acuity is committed to providing the best possible protection. We automatically include several additional coverages, including waiving the deductible on auto glass repair and even replacing the fuel in the vehicle at the time of the accident
  • Acuity advantages for truckers. Acuity automatically includes special coverages for truckers such as $3,000 for electronic logging devices, and coverage for tarps, tie-downs, chains, pads, and other equipment used by truckers
  • PARS – the Acuity pre-approved repair shop program. The insured can have their vehicle repaired at the shop of their choice. However, if they take their vehicle to a shop that is part of our PARS program, they will save time and reduce paperwork, and the shop guarantees their work!

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$250.00
Maximum
$100,000,000.00

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 Acuity Commercial Auto generally meet the following guidelines.

Acuity combines our crime and fidelity coverages to provide the protection your insureds need. These coverages help protect money, securities, and other property against a variety of criminal acts. To qualify, this coverage must be combined with an Acuity property or liability policy. What is covered? Acuity’s commercial crime and fidelity coverages protect your insured against the dishonest acts of their employees and others, including theft of their property, fraud, or theft of their client’s property.

Available In

Appetite by Sector

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

Highlights

  • Employee theft
  • Forgery or alteration
  • Computer and funds transfer fraud
  • Theft of money and securities
  • Robbery or safe burglary
  • Money orders and counterfeit money

Premium Guidance

Annual premium for this product is generally in this range:

Minimum
$100.00
Maximum
$100,000,000.00

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 Acuity Crime generally meet the following guidelines.