StandardVerified Q1 2026
Source: Acuity — Retail Insurance
Acuity: Retail Stores Insurance Appetite
Acuity's Bis-Pak product works well for small to mid-size retail operations in their operating territory. Retail is a standard class for Acuity — they will write it competitively but it is not a named specialty like contractors or trucking. For Midwest retail stores, Acuity is a good option alongside Progressive and Erie.
Available Lines
| Line of Business |
|---|
| General Liability |
| Commercial Property |
| Workers' Compensation |
| Business Owners Policy (BOP) |
| Commercial Auto |
| Umbrella/Excess |
Premium Range
$2,000-$12,000
Typical annual premium
Target States
32 states (Midwest/Central focus)
Key Features
- Bis-Pak policy bundles property, GL, and business income for streamlined coverage
- Workers' comp for retail employees with competitive low-hazard rates
- Property coverage with business income protection for retail inventory
- Broad retail appetite from specialty shops to general merchandise stores
Limitations
- Not available in all 50 states — limited to 32-state operating territory
- Large retail chains with national footprint are better served by Travelers or CNA
- Firearms, cannabis, and high-value jewelry stores may face underwriting restrictions
Compare Other Carriers for Retail Stores
Progressive CommercialPreferred
$1,500-$8,000
TravelersStandard
$2,500-$12,000
CNAStandard
$3,000-$15,000
HiscoxStandard
$500-$4,000
ERGO NEXT InsurancePreferred
$500-$4,000
The HartfordPreferred
$1,500-$12,000
EMPLOYERS HoldingsPreferred
$800-$5,000
Erie InsuranceStandard
$2,000-$12,000
biBERKPreferred
$1,500-$8,000
AmTrust Financial ServicesPreferred
$1,500-$10,000
BTISStandard
$1,500-$8,000
Pie InsurancePreferred
$800-$5,000
NationwidePreferred
$1,200-$9,000
Liberty MutualStandard
$1,500-$10,000
ChubbStandard
$2,000-$12,000
Cincinnati FinancialPreferred
$1,200-$8,000
Hanover InsurancePreferred
$1,200-$8,500
Auto-Owners InsurancePreferred
$1,000-$7,500
Guard Insurance GroupPreferred
$1,000-$7,000
Markel CorporationStandard
$2,000-$12,000
Coterie InsuranceStandard
$500-$3,500
Selective Insurance GroupStandard
$3,000-$25,000
Kinsale Capital GroupStandard
$2,000-$15,000
InsureonStandard
$400-$5,000