Acuity Insurance
TechInsurance is proud to partner with Acuity Insurance, a leading insurer known for its financial strength and stability. Established in 1925, the company's commitment to superb customer service—including having a single point of contact for claims—sets it apart from other insurance carriers.
AM Best rating: A+
Customer rating: 96% claims satisfaction
Location: Sheboygan, WI
Specialty: Property and casualty insurance
Why choose Acuity Insurance?
TechInsurance is proud to offer small business insurance quotes from Acuity Insurance, one of our trusted partners.
Acuity Insurance adopts an employee-first culture and is committed to excellent customer service. In fact, during a claim, customers are assigned a dedicated specialist who processes their claims as soon as possible with minimal hassle.
Acuity's licensed customer specialists provide the following:
- Certificates of insurance (COI)
- Endorsements
- Audit assistance
- Additional lines of business
- Guidance to general servicing questions
What types of insurance policies does Acuity Insurance provide?
Below are key insurance products offered by Acuity Insurance. You can also explore all business insurance policies provided through TechInsurance.
Business owner's policy
A business owner's policy bundles general liability coverage and commercial property insurance into one policy. It is a cost effective choice, often cheaper than buying these insurance policies separately.
General liability insurance
General liability insurance protects against the most common third-party lawsuits, such as bodily injuries, property damage, and advertising injuries (e.g., copyright infringement). It's often the first type of business insurance coverage that small businesses get.
Workers' compensation insurance
Workers' compensation insurance covers medical bills and other expenses related to work-related injuries. It also helps pay for lost wages if you or an employee are unable to work during recovery.
Most states require small businesses to purchase workers' comp as soon as you hire your first employee.
Commercial auto insurance
Commercial auto insurance covers the cost of accidents that involve company-owned cars, including medical bills, property damage, and lawsuits from other drivers. Every state, except for New Hampshire and Virginia, requires that businesses with company vehicles have commercial auto insurance.
If you use a personal, rented, or leased vehicle to complete work errands, then you should get hired and non-owned auto insurance (HNOA). This policy will offer you the protection you'll need, as personal auto insurance will likely not cover you if you're involved in an accident.
Commercial property insurance
Commercial property insurance protects your business building and its contents, such as computers, furnishings, fixtures, and other equipment and inventory.
For example, if someone steals your laptop or a storm damages the roof of your small business, your commercial property policy will pay for the replacement of the stolen or damaged items.
Inland marine insurance
Commercial property insurance has some limitations, including protection of items stored off-site and mobile property. This is where inland marine insurance comes in.
Inland marine coverage protects business property that is in transit or stored in an off-site storage unit. This includes products, tools, and equipment.
Commercial umbrella insurance
Commercial umbrella insurance provides an extra layer of protection by offering additional coverage for:
- General liability insurance
- Employer's liability insurance (part of workers’ compensation insurance)
- Hired and non-owned auto insurance
Umbrella coverage boosts your liability limits in $1 million increments and is often needed in order to fulfill a contract that requires higher than standard policy limits.
Which small business insurance policies does your state require?
Who does Acuity Insurance serve?
Acuity Insurance provides insurance products for a wide array of industries in 30+ states.
Top industries covered by Acuity Insurance include:
- Auto services
- Construction & contracting
- Manufacturing
- Personal care
- Professional services
- Real estate
- Retail
- Trucking
How much does small business insurance cost?
The cost of small business insurance depends on the types of policies you purchase. Here are the average premium costs for some of the most popular policies:
- Business owner's policy: $57 per month
- General liability insurance: $42 per month
- Workers' comp insurance: $45 per month
Several factors influence the cost of your business insurance, including your policy limits, deductible, location and number of employees.
How do I get business insurance with TechInsurance?
TechInsurance is a trusted insurance expert for small businesses, including contractors and consultants, with extensive knowledge of the IT sector. We help business owners compare quotes from top-rated providers, buy policies, and manage coverage online.
By completing TechInsurance's easy online application today, you can compare free quotes for small business insurance policies from top-rated U.S. carriers, such as Acuity Insurance. Our insurance agents are available to help answer any questions you may have.
Once you find the right policies for your small business, you can begin coverage in less than 24 hours and get a certificate of insurance for your small business.