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Our Summary

With over $6 billion in policyholder assets, Acuity Insurance brings a lot of experience to the table. The company’s corporate culture is inclusive and fun, and that overflows to their customers. Acuity has a knack for writing tough-to-place policies, helping many who felt that getting insurance would be nearly impossible. 

Company Overview

Acuity Insurance has 1,500 employees with headquarters in Wisconsin. The company was founded in 1925, bringing decades of insurance and risk management experience to the table. It has won a Glassdoor Employees’ Choice Award as the 2021 Best Places to Work. This job satisfaction translates into employees willing to go the extra mile to do the right thing and help customers. 

Geographic Representation

You can get an Acuity policy in 49 states. The company doesn’t write business in Texas but has partnered with a local carrier to offer assistance to its clients. 

Lines of Coverage

Acuity underwrites the standard insurance policies needed by most small business owners.

The types of commercial insurance policies listed with Acuity Insurance include:

  • Business Liability: Pays third-party claims where you are responsible for property damage or bodily injury
  • Commercial Property: Protects your business belongings from fire, theft, and more
  • Workers’ Compensation: Pays for employee medical bills and lost wages when hurt on the job
  • Commercial Auto: Protection for liability and property damage in at-fault accidents in work vehicles

Top Industries Served

Every insurance company has certain types of business that it prefers to underwrite. Acuity Insurance lists some difficult-to-insure industries that it has policies for. 

Top industries for Acuity Insurance include: 

  • Construction
  • Manufacturing
  • Retail and restaurants
  • Wholesale and distribution
  • Trucking
  • Hotels and motels
  • Auto repair shops
  • Landlords
  • Offices
  • Service businesses 

Premium Costs

Acuity does not advertise its rates and we were unable to get a quote at the end of filling out the online quote form. Your insurance rate will vary depending on your industry, size of your company, location, and claims history.

Underwriting Process

The system says that you can get a quote online, but you may need to speak with a representative or get re-routed to an affiliate website to finish the quote. To expedite the process, it might be wise to contact an insurance expert to assist you in getting through the application and quote process. Once you have the quote, you can decide on whether or not you want to bind the policy. With a policy in place, you can manage things through the online portal. 

AM Best Ratings

AM Best rates insurance companies based on their financial solvency. The higher the rating, the more secure the company is viewed by the third-party research company. Acuity Insurance has an A+ financial strength rating, meaning it is capable of paying its claims out even in catastrophic circumstances. This is the second-highest rating that a company can get with AM Best. 

Complaint Index

The National Association of Insurance Commissioners (NAIC) puts together an annual report called the complaint index that rates each insurer based on the number of complaints they had in relation to their size. The average rating is 1.0 with companies scoring above 1.0 having more complaints than expected for their market share. 

Acuity had strong numbers in 2020. Fourteen complaints yielded a complaint index of 0.42. The 2019 and 2020 scores were slightly better at 0.33 and 0.34, respectively.


Seeing what real people have to say about Acuity helps to give prospective customers the insights needed to make informed decisions. We took a look at Acuity’s Trustpilot ratings. They have over 1,213 reviews with a strong 4.4-star rating. Customers like having all their insurance in one place. 

Acuity Insurance is also accredited by the Better Business Bureau with an A+ rating. It maintains a 4.5-star rating with 154 reviews. The BBB says that four complaints were closed in the past 12 months. Customers who complained primarily had issues with the auto insurance claims process. 

Concluding Thoughts

Acuity is a small business option where a business owner can keep both personal lines and business lines together for convenience. They offer the basic policies needed to be up and running and protect you from the most common claims. We feel that the quote process could be streamlined better, but this could be due to affiliate partnerships with certain lines of business. 

Learn more about Acuity Insurance 

Methodology employs its own independent research to come up with the details for reviews. We do this so that you can have as many insights as possible about a company so that you can make the best decision for your commercial insurance. We take into consideration the company’s history and where they serve. We want to highlight the appetite that a company has as this suggests where business owners can get the most competitive rates. Where possible, we include premium data. From there, we take into account formal complaints, and financial strength ratings along with public reviews painting a broad picture of the company’s reputation. 

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Fast response, ideal solution. Everyone I dealt with was courteous and professional and more than qualified to help me find the right insurance coverage for my company. I would absolutely recommend them to anyone needing commercial insurance.
Five Star Rating
Jared Stromberg
Aeos Solar, LLC
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They were spot on with their help to secure the insurance that was best for me. I was guided to the correct plan with the best price. I would certainly go back!
Five Star Rating
David Blackwell
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The entire process was very quick and professional.
Five Star Rating