Source: Acuity — Contractors Insurance
Acuity: General Contractors Insurance Appetite
Acuity calls themselves the 'go-to market for contractors' and they have the portfolio to back it up. With 50,000+ contractor clients and an in-house construction consultant, this is one of their strongest classes. In their operating territory, Acuity should be a primary market alongside Travelers for any contractor account. They are particularly strong for mid-size specialty trade contractors.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Commercial Auto |
| Commercial Property |
| Inland Marine |
| Umbrella/Excess |
Premium Range
$5,000-$40,000
Typical annual premium
Target States
32 states (Midwest/Central focus)
Key Features
- Contracting is one of Acuity's top commercial lines classes — over 50,000 contractor clients
- In-house construction consultant with 35+ years of industry experience
- Broad appetite across electrical, plumbing, HVAC, landscaping, and general contracting
- Dedicated contractor underwriting with tailored products and services
- Inland marine coverage for tools, equipment, and installation floaters
Limitations
- Limited to Acuity's 32-state operating territory — not available nationally
- Very large general contractors with $50M+ revenue may need excess and surplus lines
- Wrap-up and OCIP programs are not available — refer to Travelers or Zurich for those
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