Acuity
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Verified official underwriting guidance located was limited and primarily workers’ compensation-specific rather than a broad all-lines appetite guide. Acuity publicly presents itself as a commercial P&C insurer operating in over 30 U.S. states and highlights a stable independent-agent market with responsive underwriting and dedicated underwriters. Public-facing target segments shown on its agent/business pages include apartment/condo/rental property, auto repair shops, contractors, hotels/motels, manufacturing, offices, retail, restaurants, service businesses, trucking, wholesale/distribution, and certain farm/food-direct-to-consumer risks. For workers’ compensation, Acuity is generally not a market for owner-only policies where there are no employees and the owners want to elect coverage; it is generally not a market for unsupported ghost policies with no employees and no owner coverage, except it may consider them when supporting Acuity lines are also written and the insured needs a certificate for audit purposes. Acuity is generally a market for accounts with one full-time employee, but is generally not interested in risks using predominantly part-time or short-term/temp employees. Submission/binding notes specifically stated for workers’ comp: FEIN/SS numbers are required prior to binding, and officer/owner inclusion or exclusion forms may be required depending on state rules. Additional trucking-specific public guidance indicates Acuity’s appetite remains consistent and that its trucking guidelines were refreshed to clarify acceptable driver MVRs and whether a risk fits its standard or Edge program; agents are instructed to contact their Acuity underwriter or territory director for details. Public agent instructions also emphasize independent-agent distribution, online rating availability, and sales/licensing support through the agent resources/new-agent pages. No current verified public broad commercial underwriting/appetite manual was found on the official site, so the best verified underwriting page remains the workers’ compensation cheat sheet.