Acuity Review: Is Their Business Insurance Worth It?

Acuity business insurance legitimacy and licensing

Yes. Acuity, A Mutual Insurance Company, has insured people and businesses from Sheboygan, Wisconsin since 1925 and is owned by its policyholders rather than stockholders. AM Best affirmed its A+ (Superior) financial strength rating in 2026 for the 24th year in a row, and S&P reaffirmed an A+ rating in November 2025. Acuity says it is the only commercial regional insurer rated A+ by both.

Its BBB profile shows an A+ rating, accreditation since 2001 and 36 complaints in the last three years, a low number for a carrier of its size. Melissa Winter became President and CEO on March 9, 2026, succeeding longtime CEO Ben Salzmann.

What business insurance Acuity offers

Acuity’s business lineup covers most small and midsize business needs:

• Bis-Pak business owner’s policy: buildings, contents and liability with business income included automatically.
• Commercial package policy: build a custom package of general liability, property, auto and other coverages.
• Commercial auto and trucking: including cargo, trailer interchange, deadhead or bobtail coverage, over 20 trucker enhancements and federal and state motor carrier filings.
• Workers’ compensation: state-required benefits; Texas employers can use the CorCare health care network.
• Excess liability, inland marine, crime, equipment breakdown and cyber (cyber liability, data breach and identity theft coverage).

Acuity groups its industry programs into construction, manufacturing, retail, restaurants, wholesale and distribution, trucking, service businesses, auto repair shops, landlords and offices. Its company profile says it insures over 125,000 businesses and 300,000 commercial vehicles; its business page shows a newer 167,000+ figure.

How much Acuity business insurance costs

Acuity does not publish prices, averages or starting rates for any business policy. Its coverage pages say cost depends on your location, number of employees and the level of risk your business faces, and they send you to an agent for a quote.

Because Acuity sells only through independent agents, the practical way to judge price is to ask the agent for quotes from two or three carriers with the same limits and deductibles. Online carriers such as ERGO NEXT (general liability from $19 a month) and The Hartford (about $68 a month on average for general liability) publish figures you can use as a rough benchmark, though a construction or trucking risk will cost far more than those averages.

Claims and safety services

You can report a claim 24/7, including weekends and holidays, at 800-242-7666 or online. Acuity assigns a single claims representative and aims to contact you the same business day or within 24 hours. It reports a 96% positive claims experience, which is its own survey figure, not an independent rating.

Acuity’s loss control representatives make on-site visits on topics such as slip and fall prevention, fleet safety and ergonomics, explain OSHA, DOT and FMCSA rules, and teach the OSHA 10-hour course. Policyholders also get the J.J. Keller video library, and trucking customers get a toolbox for CSA compliance. These services are free to policyholders and can help hold down claims, and with them premiums.

Complaints and what customers report

Acuity’s public ratings are strong: 4.4 out of 5 on about 2,450 Trustpilot reviews (personal and business customers combined) and 36 BBB complaints in three years. The positive reviews mostly praise fast claims and helpful staff.

The negative reviews follow a pattern: premium increases at renewal even without claims, rate changes after an inspection or policy change, some denied claims, and trouble reaching billing support. To limit surprises, ask your agent before each renewal what changed in your rate, request the inspection report if one triggered an increase, and get any coverage decision in writing. If a claim dispute goes nowhere, you can file a complaint with your state insurance department.

Who should look elsewhere

Acuity is a poor fit if you want to buy online without an agent, if you operate outside its 30-plus state territory, or if you run a low-risk solo business that only needs a basic general liability policy. In those cases an online carrier will usually be faster. Larger multi-state operations should confirm Acuity writes in every state where they have employees or locations before choosing it for workers’ comp.