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
Acuity’s currently verified public-facing producer guidance is broad but not a detailed public appetite manual. The clearest official producer page is the new-agent/agent-resources page, which positions Acuity as a relationship-based, broad-appetite carrier for independent agents and highlights target business segments including contractors, trucking, manufacturing, office, retail, restaurant, service businesses, wholesale/distribution, apartments/condos/rental properties, auto repair shops, and hotels/motels. Contractor-focused producer content says contracting is a top commercial class and that Acuity wants more of it; it notes appetite across artisan contractors, subcontractors, and general contractors, with many classes eligible for Bis-Pak/BOP-style placement, and package solutions including GL, property, workers comp, commercial auto, inland marine, excess liability, and cyber. Trucking producer content confirms an active trucking appetite and references refreshed trucking guidelines with driver MVR acceptability and placement into either standard or Edge programs, but the underlying brochure/guideline was not publicly retrievable during verification, so detailed class-by-class trucking restrictions could not be confirmed. Public consumer/business pages confirm workers compensation is offered and that products/features are subject to underwriting criteria and may not be available in all states. Geographic notes: Acuity writes U.S. business through independent agents; personal auto in Texas is handled through Acuity TX MGA/Home State County Mutual rather than directly by Acuity, which is the main state-specific filing note publicly visible. No public verified page was found with a comprehensive list of declined or prohibited classes, so restricted/declined classes cannot be stated as verified beyond normal underwriting-criteria caveats. Submission/producer notes: agents can use the Agent Center to start a quote or policy change, review daily transactions, access policy/claim info, certificates, and loss runs; appointment inquiries go through sales. For workers comp billing/program administration, Acuity publicly documents AcuitySmartPay requirements: agreement, billing contact, bank account info, monthly exposure reporting due by the 15th, 10% down payment at setup, all workers comp policies remain auditable, and missed reports can trigger estimated reporting and eventual removal from the program. Operational takeaway: use Acuity as a broad commercial generalist market, especially for core middle/small-market package risks and strong contractor/trucking opportunities, but obtain class-specific underwriting snapshots or underwriter confirmation for hazards, fleet/trucking screening, and any potentially restricted operations because a full public appetite/declination guide was not verified.