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Acuity Insurance Review
Wisconsin mutual insurer in business since 1925, sold through independent agents in more than 30 states, with a long record of insuring contractors
Quick verdict
Acuity Insurance is best for Trade businesses in Acuity's states that want to work with a local independent agent and a policyholder-owned mutual carrier. Quote speed: Quoted through an independent agent who writes Acuity; turnaround depends on the agent. Pricing: Quoted per business through an independent agent. Requires an independent agent, available in more than 30 states rather than nationwide, and prices are quoted rather than published.
About Acuity Insurance
Acuity is a mutual insurance company based in Sheboygan, Wisconsin. It started in 1925 as Mutual Auto Insurance Company of the Town of Herman and is owned by its policyholders rather than stockholders. It sells home, auto and business insurance in more than 30 states through independent insurance agents.
Contractors are a long-standing line for Acuity. It says it has insured contractors for more than 40 years and writes thousands of contractors of all sizes, from small operations to large construction firms. By its own count, Acuity insures more than 125,000 businesses, including 300,000 commercial vehicles.
To get a quote, you work with a local independent agent who writes Acuity; Acuity's website has an agent locator. Independent agents usually represent several carriers, so the same agent can compare Acuity's quote with others and handle service after you buy.
The trade-off: Acuity is not available in every state, you need an agent who writes it in your area, and prices are quoted per business rather than published, so the only way to judge it is to compare its quote with the other options your agent can offer.
How it works
Find a local independent agent who writes Acuity, using the agent locator on acuity.com or by asking agents in your area. The agent collects your business details, requests a quote from Acuity and from other carriers they represent, and binds the policy if you choose Acuity. The agent stays your service contact; Acuity is the insurer that issues the policy.
Pros & cons
What works
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Policyholder-owned mutual
Acuity is a mutual insurance company owned by its policyholders, not stockholders. Acuity says this lets it act in the interest of its policyholders, agents and employees.
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Long contractor experience
Acuity says it has insured contractors for more than 40 years and writes thousands of contractors, from small operations to large construction firms.
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One agent, several quotes
Independent agents who write Acuity usually represent several carriers, so one agent can compare Acuity with other options and service the policy afterward.
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In business since 1925
Acuity dates to 1925 and says it insures more than 125,000 businesses, including 300,000 commercial vehicles.
What doesn't
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Agent required
Acuity sells through independent agents, so you need an agent who writes Acuity in your area to get a quote.
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Not in every state
Acuity sells in more than 30 states, not all 50. Check with a local agent before assuming it is an option for you.
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No published prices
Premiums are quoted per business by the agent, so you need a quote to compare Acuity with other carriers.
Coverage
- Insurance lines
- general liabilitycommercial auto
- Geographic coverage
- Acuity says it sells in more than 30 states; ask a local independent agent whether it writes your trade in your state
- Premiums
- Quoted per business through an independent agent
- Quote speed
- Quoted through an independent agent who writes Acuity; turnaround depends on the agent
- Affiliate program
- None. No editorial affiliate program. Our recommendation is unaffected; we recommend Acuity despite the absence of commercial alignment because the contractor experience is structurally strong.
Reviews and complaints at the source
We do not copy third-party review scores onto this page: they change often and we could not verify them. Read Acuity Insurance's current reviews at the source.
Frequently asked
Does WrenchStack earn anything if I buy an Acuity policy?
No. WrenchStack has no affiliate arrangement with Acuity, so we earn nothing either way.
How do I get an Acuity quote?
Find an independent insurance agent in your area who writes Acuity. Acuity's website has an agent locator, or you can ask local agents whether they represent Acuity. The agent requests the quote on your behalf.
Is Acuity available in my state?
Acuity says it sells in more than 30 states, not all 50. Use the agent locator on acuity.com or ask a local independent agent whether Acuity writes your type of business in your state.
What makes a mutual carrier different?
A mutual insurance company is owned by its policyholders rather than outside stockholders. Acuity says this structure lets it make decisions in the best interest of its policyholders, agents and employees.
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