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
Workers Compensation (key refreshed guidance): - Preferred business / target profile: Accounts with at least one full‑time employee. Standard main‑street classes like contractors, manufacturing, offices, retail, wholesalers/distributors, services, restaurants, auto repair, and landlords/rental properties are promoted on Acuity’s workers comp marketing page, indicating a broad appetite for these sectors when otherwise acceptable from a WC standpoint. - No‑employee risks – owners included: Acuity is not a market when there are no employees and the owners simply want to elect coverage under the workers compensation policy. - No‑employee "ghost" policies – owners excluded: Acuity is generally not a market for unsupported workers compensation coverage if the risk has no employees and the owners are not covered. Exception: a ghost policy may be considered if (1) supporting lines of coverage are written with Acuity and (2) the nature of the business is otherwise acceptable for workers compensation. Intended primarily to accommodate insureds that need a certificate of insurance for audit/contract purposes. - One‑employee risks: Acuity is generally a market for risks with only one full‑time employee covered. They are generally not interested in WC for risks that rely predominantly on part‑time employees or temporary/short‑term full‑time employees. - Operational submission requirements (WC): For binding, submissions must include FEIN or Social Security numbers as applicable. Depending on state requirements, owner/officer inclusion or exclusion forms are required and may need to be filed with the state. Owners of the entity are not counted as employees for determining the presence of employees. - Geography: Acuity provides workers compensation in multiple states, with benefits written to match the individual state’s WC law; appetite, availability of coverage, and inclusion/exclusion rules vary by state and require confirmation at quote. Commercial package / property / umbrella (from public positioning – not a full appetite guide): - Acuity positions itself as a broad commercial market for contractors, trucking, manufacturing, offices, retail, wholesalers/distributors, services, restaurants, auto repair, and landlords. These are typical target segments for pairing WC with GL, property, auto, inland marine, excess, and BOP/Bis‑Pak coverages. - For trucking, Acuity specifically advertises a broad appetite and agent‑facing guidelines in separate marketing materials; producers should review current trucking appetite/brochure for radius, commodities, and fleet size restrictions. Personal lines (home, boat/watercraft) – high‑level only: - Public‑facing materials emphasize standard‑to‑preferred personal property risks (owner‑occupied dwellings, typical boats/watercraft) with coverage and service differentiation; detailed personal lines underwriting rules (e.g., age/condition of home, roof, prior losses, protection class, boating experience/length/speed of craft) are not published in an open appetite manual and should be confirmed via Acuity’s agent portal or underwriter. Producer / broker notes: - Workers comp: Avoid submitting stand‑alone no‑employee risks (with or without owner coverage) unless there is an existing Acuity account with supporting lines and the class is otherwise acceptable; clearly indicate when a ghost policy is being requested solely for certificate/audit purposes. - Ensure all WC submissions include FEIN/SSN and appropriate state owner/officer inclusion or exclusion forms before binding; confirm whether any owners are to be treated as employees under state law. - For small accounts, one full‑time employee is generally acceptable, but accounts relying heavily on part‑time or temp labor should be pre‑discussed with underwriting. - For broader commercial and personal lines, producers should rely on Acuity’s agent resources and underwriter consultations for specific class, territory, and limit restrictions, as there is no single publicly posted comprehensive underwriting manual.