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 is a regional carrier writing commercial and personal lines across roughly the central and western U.S., with products distributed exclusively through independent agents. Their public site provides marketing‑level appetite and program information rather than a consolidated, formal underwriting manual; detailed class acceptability and state‑specific rules are handled through appointed‑agent portals and with the underwriter. PREFERRED / TARGET COMMERCIAL BUSINESS - Workers Compensation: Broad main‑street appetite. Marketing materials emphasize contractors, trucking/motor carriers, offices, light manufacturing, retail, wholesalers/distributors, service businesses, restaurants, auto repair, and landlords/rental properties as core classes for WC placement.([acuity.com](https://www.acuity.com/business/commercial-insurance-coverages/workers-compensation?utm_source=openai)) - Contractors: Acuity positions itself as a “go‑to market for contractors,” with a broad appetite for small and mid‑sized contracting risks and a portfolio of products and services built around that segment. Agents are encouraged to focus on well‑managed contractors with solid safety practices and stable loss history.([acuity.com](https://www.acuity.com/the-focus/agent/acuity-is-your-go-to-market-for-contractors?utm_source=openai)) - Trucking: Acuity actively promotes a consistent trucking appetite and has a dedicated trucking guidelines brochure for agents, including driver/MVR rules and segmentation between their standard trucking program and the Edge program. They market an interest in motor carriers needing coordinated auto, liability, and workers comp support.([acuity.com](https://www.acuity.com/the-focus/agent/sell-acuity---trucking-guidelines?utm_source=openai)) - Package / Property / Umbrella: Commercial accounts that bundle liability, property, auto, and workers comp with Acuity are a strategic focus, particularly in the same core segments noted above (contractors, trucking, main‑street business). Excess/umbrella is intended to sit over Acuity primary auto, GL, and employers liability for these risks.([acuity.com](https://www.acuity.com/business/commercial-insurance-coverages/workers-compensation?utm_source=openai)) PERSONAL LINES (HOME, BOAT/WATERCRAFT) - Acuity writes homeowners and related personal package business (including auto, boat, umbrella) in its operating states and encourages packaging. Their Road and Residence and Per‑Pak programs allow home, auto, boat, and other personal policies to be combined under a single account, with an emphasis on account rounding.([acuity.com](https://www.acuity.com/resources-tools/faq?utm_source=openai)) - Personal lines interface documentation confirms active support for Home, Boat, Package, and Umbrella across personal lines states, with real‑time rating and binding via multiple comparative raters and agency systems; this implies a standard, appetite‑driven but relatively broad personal lines strategy in those states where they actively market.([acuity.com](https://www.acuity.com/public/AgencyInterface/InterfaceOptions.pdf?utm_source=openai)) RESTRICTED / DECLINED CLASSES (PUBLICLY DISCLOSED) - Workers Comp: A workers comp marketing deck identifies certain classes where Acuity is “not a market,” although exact class lists are in agent‑only documents. Publicly, they stress that some WC classes are ineligible based on severity, loss history, or regulatory considerations, and that agents should review the current WC appetite guide and contact underwriting when in doubt.([acuity.com](https://www.acuity.com/binaries/content/assets/acuitycms/4m-presentations/insureon-workers-compensation.pdf?utm_source=openai)) - Trucking: The trucking guidelines brochure (agent resource) distinguishes between standard and Edge programs based on driver MVR quality; risks falling outside stated MVR/experience thresholds may be declined or written only in the Edge segment, subject to underwriting. The article notes that agents should consult the full trucking guidelines brochure or their territory director for specifics.([acuity.com](https://www.acuity.com/the-focus/agent/sell-acuity---trucking-guidelines?utm_source=openai)) - General: No public, line‑by‑line list of prohibited classes is posted. Appetite for higher‑hazard or distressed risks is implied to be limited; such risks are steered to the underwriter for individual review, with an emphasis on avoiding poor safety culture, uncontrolled auto/trucking exposures, and severe loss histories. GEOGRAPHIC NOTES - Acuity indicates it insures businesses and personal lines customers across 28 states from its Sheboygan, WI headquarters.([tarmika.com](https://www.tarmika.com/acuity-workers-comp/?utm_source=openai)) - Personal lines product and systems documentation shows Home, Boat, Package, and Umbrella availability only in designated personal lines operating states; not all products are offered in all states, and specific rating/underwriting rules are state‑filed and managed via internal manuals.([acuity.com](https://www.acuity.com/public/AgencyInterface/InterfaceOptions.pdf?utm_source=openai)) - For Texas workers compensation, Acuity partners with CorVel to offer an HCN option via the Texas CorCare Network, indicating active WC participation in TX and an expectation that insureds using the HCN follow network provider and return‑to‑work guidelines.([acuity.com](https://www.acuity.com/business/commercial-insurance-coverages/workers-compensation?utm_source=openai)) SUBMISSION & PROGRAM EXPECTATIONS - Distribution: Business is written through appointed independent agents only; all submissions must come through an appointed agency or via approved comparative rater/bridge platforms (e.g., Tarmika Bridge for BOP and Workers Comp, and various personal lines raters).([tarmika.com](https://www.tarmika.com/acuity-workers-comp/?utm_source=openai)) - Workers Comp: Agents are expected to provide complete ACORD applications, accurate class codes, payroll, loss runs, safety information, and experience rating details. The WC materials stress accurate reporting and participation in Acuity’s managed care and nurse triage programs to control losses and support underwriting results.([acuity.com](https://www.acuity.com/business/commercial-insurance-coverages/workers-compensation?utm_source=openai)) - Trucking: Agents should pre‑screen accounts using the Acuity Trucking Guidelines brochure, focusing on driver age, experience, MVRs, and safety controls to determine eligibility for the standard vs. Edge program. Underwriters and territory directors are identified as primary contacts for borderline accounts and for clarity on MVR grids and program placement.([acuity.com](https://www.acuity.com/the-focus/agent/sell-acuity---trucking-guidelines?utm_source=openai)) - Technology & Integration: Agency interface documentation shows Acuity supports real‑time quote, bind, and download for personal lines package, home, boat, and umbrella through major management systems and raters; agents should leverage these tools for standard risks and reserve direct underwriter submissions for non‑standard or exception business.([acuity.com](https://www.acuity.com/public/AgencyInterface/InterfaceOptions.pdf?utm_source=openai)) BROKER / PRODUCER NOTES - Appetite and underwriting guidance are primarily communicated through agent‑only brochures, appetite guides, and territory director/underwriter contact, rather than via public manuals. Agents are encouraged to rely on the current Acuity appetite tools and to “Sell Acuity” in core segments such as contractors and trucking, while collaborating closely with underwriters on edge‑of‑appetite classes.([acuity.com](https://www.acuity.com/the-focus/agent/sell-acuity---trucking-guidelines?utm_source=openai)) - For workers comp, Acuity promotes use of its nurse triage and managed care programs as a best practice; producers should present these services as part of the overall risk‑management value proposition and support insured participation to maintain underwriting profitability.([acuity.com](https://www.acuity.com/resources-tools?utm_source=openai)) OPERATIONAL TAKEAWAYS FOR AGENCIES - Lead with Acuity on: contractors, trucking/motor carriers, main‑street WC, and packaged accounts where Acuity can write auto, GL, property, WC, and umbrella together. - Use their trucking and WC marketing tools to pre‑screen by class, size, MVR quality, and safety controls before submission. - Expect that detailed acceptability cut‑offs, prohibited classes, and state‑specific rules will not be visible publicly and must be confirmed through the agent portal, current appetite guides, or directly with the underwriter/territory director. - In personal lines states where Acuity is active, treat them as a standard‑market option for packaged home/auto/boat/umbrella accounts, using supported raters and management systems to quote and bind routine business, and escalate unusual exposures to underwriting.