★ Est. 1925 · Policyholder-owned mutual · Agents only
How Acuity Works in Arkansas
A hundred-year-old mutual insurer owned by its policyholders rather than by shareholders, rated A+ by two independent agencies, with a commercial book built around contractors and the trades. On the personal side it builds one package around your auto and home and writes the boat, the bike, the camper, and the rental house into it. Here's what we place, where it earns its keep, and how we'll tell you when another of our carriers fits you better.
Short Answer
Cribb Insurance Group is an independent Acuity agency in Bentonville. Acuity is a mutual property-casualty insurer founded in 1925 in Sheboygan, Wisconsin — owned by its policyholders, not by shareholders — and it sells only through independent agents. It carries an A+ from AM Best and separately an A+ from Standard & Poor's. On the personal side, auto and home form a package, and the umbrella, motorcycle, RV, travel trailer, ATV/UTV, boat, and landlord coverage are written with that package rather than sold separately. On the commercial side it stands out for contractors and the trades, which is a large part of what we write across Northwest Arkansas.
A mutual, and that's not a technicality.
Acuity started in 1925 as a small mutual formed by farmers and small-town business owners in Sheboygan County, Wisconsin. A century later it's still structured the same way: a mutual insurance company, owned by its policyholders rather than by outside shareholders.
That matters less than a brochure would claim and more than nothing. There's no quarterly earnings call pulling against a long-term underwriting decision, and no shareholder expecting a dividend out of your premium. It is not a promise about your rate and not a promise about your claim — we'd rather say that plainly than let ownership structure do work it can't do. But it does shape how a carrier behaves across decades, and it's a fair thing to weigh alongside coverage and financial strength.
Owned by the people it insures
A mutual has no stock and no outside owners. Policyholders are the members. Acuity has operated that way since 1925 and has never converted, which is rarer than it sounds among carriers of its size.
Independent agents only
There's no direct channel and no captive sales force — every Acuity policy is written through an independent agency. So the question isn't whether to use an agent, it's which one. Ours also represents 40 other markets.
The commercial book is built for people who work out of a truck.
Plenty of carriers write a business owners policy. Acuity's commercial side is genuinely oriented toward contractors and the trades — and given how much of what we write across Benton and Washington counties is exactly that, it's the main reason the carrier sits on our shelf.
The coverages a working contractor actually needs
Not a generic package with a trade name stapled on. The relevant pieces are general liability, commercial property, commercial auto, workers' compensation, and inland marine for the tools and equipment that move between job sites — written to contemplate crews, vehicles, and property that doesn't stay in one building.
It reaches the trades we already write
Northwest Arkansas runs on construction. Framers, roofers, electricians, plumbers, HVAC, concrete, excavation, drywall, painting, landscaping — the trade classes are the everyday work of this market, and a carrier whose commercial appetite is aimed at them is worth having. Eligibility for any particular operation is decided by the carrier on the facts, not by a webpage, so the fastest path is a short conversation. Start a commercial quote or call us.
A personal book that sits alongside it
The personal side — home, auto, and personal umbrella — is a real book rather than an afterthought, which matters when the person who owns the business also needs the house and the trucks covered. Keeping an owner's personal and commercial accounts visible to one agency is how the gaps between them get caught.
One package on the personal side. A full book on the commercial side.
Not everything Acuity writes nationally — what we place for Northwest Arkansas. The personal side is structured differently from most carriers on our shelf, so it's worth reading the grouping rather than skimming it.
The core package
- Homeowners
- Auto
Written with the package
- Personal umbrella
- Recreational vehicles
- Landlord / rental dwelling
Commercial
- Business insurance — BOP, general liability, property, workers' comp
- Commercial auto
- Contractors & the trades
The middle column is a package, not a menu
This is the thing to understand about Acuity's personal side, and almost nobody discovers it until they ask. The umbrella, the motorcycle, the camper, the travel trailer, the side-by-side, the boat, and the rental house are written under one package policy — and that package is available when your auto and home are written together with Acuity. None of them is sold on its own.
Read the right way round, that's a genuinely good structure. One policy, one renewal date, one carrier, one deductible conversation — instead of six separate policies with six anniversaries and six chances for something to quietly lapse. For a household where the garage has a bike and a side-by-side in it and there's a boat at Beaver Lake, keeping all of it in one place is worth real administrative sanity, and the multi-policy credits live there too.
It also means the question isn't "will Acuity insure my boat" — it's whether Acuity is the right home for the household as a whole. If it is, everything rides together. If it isn't, that's not a problem either: we have carriers that write watercraft, motorcycles, and recreational vehicles standalone, and we'll simply place it there. What we won't do is let you find out at the end of a quote that the piece you actually called about was never available by itself.
The personal umbrella does not automatically cover the business
A second thing that sits between pages. A contractor with a personal umbrella over the house and the family cars often assumes it stands behind the business too. It generally does not. A personal umbrella sits over personal liability — the home, the personal vehicles, the personal exposures. The work is a separate risk and takes a commercial umbrella sitting over the general liability, commercial auto, and workers' compensation underneath it.
Both layers can exist, and for a lot of small operations both should. The failure mode isn't buying the wrong one — it's buying one and believing it does the job of two. If you own a business and carry an umbrella, ask us which liabilities are actually underneath it.
The lines, in detail.
Each of these gets its own page, with the Arkansas specifics and the parts the brochure leaves out. They publish one at a time — links go live as each page does.
The core package
Written with the package
Commercial lines
Acuity Cribby reads the fine print for you.
Cribby the Chameleon is our guide to reading a policy in plain English.
A chameleon notices what's actually there. On a contractor's account that's usually the things nobody mentioned — the tools insured nowhere, the truck on the wrong form, the umbrella that doesn't reach the business, the workers' comp class code that was set once and never revisited. That's a coverage review, in chameleon form.
A+ from two agencies, not one.
A rating is a solvency opinion, not a claims opinion
AM Best is explicit that a financial strength rating does not address a carrier's claims-handling practices and is not a recommendation to buy or keep any policy. So an A+ tells you Acuity can pay. That's real and worth knowing — it simply isn't the same question as how a claim will go. Different questions, different sources. Anyone handing you a letter grade as the answer to all of them is handing you a logo.
What we actually do at a claim
Narrower than some agencies imply, and we'd rather be straight about it. We don't adjust your claim and we can't overrule an adjuster.
What we do: tell you whether a claim is worth filing before you file it, make sure the coverage that should respond gets identified, chase the file when it stalls, and move you to another of our markets if Acuity stops fitting your account. On a commercial file that last one matters most — an operation changes faster than a policy does.
Planning ranges, not quotes.
Typical ranges for policies placed through Cribb Insurance Group across our markets; the homeowners band reflects a five-year-old $400,000 Northwest Arkansas home. These are not quotes, not carrier-specific, and not a guarantee. Auto depends on vehicles, drivers, limits, deductibles, garaging ZIP, driving history and credit-based insurance score. Home depends on dwelling value, roof age and material, construction, protection class, deductible selections, claims history and credit-based insurance score. Some households fall below these bands and some fall well above them. Commercial premiums vary far too widely by operation for a published range to be useful, so we don't print one.
Acuity in Arkansas: common questions.
What does Cribb Insurance Group place through Acuity?
Can I insure just my boat or motorcycle with Acuity?
What is a mutual insurance company, and does it matter?
Is Acuity a good carrier for contractors?
How financially strong is Acuity?
Can I buy Acuity insurance directly?
How do I get an Acuity quote in Bentonville or Rogers?
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Acuity is one of 40+ carriers we represent.
Which means we can tell you honestly whether Acuity is the right home for your account — or whether one of our other markets fits better. Send the declarations pages for whatever you're carrying and we'll read them back to you in plain English, including the deductibles. If what you have is already right, we'll tell you that too.
1601 SW Regional Airport Blvd, Bentonville, AR 72713 📞 (479) 286-1066 ✉️ service@cribbinsurance.com 🕘 Mon–Thu 9:00–5:00
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Cribb Insurance Group Inc. is an independent insurance agency licensed in Arkansas, Oklahoma, Missouri, and Texas. We are not Acuity, and this page is not endorsed, sponsored, reviewed, or approved by Acuity. "Acuity" is a trademark or service mark of ACUITY, A Mutual Insurance Company and its affiliates, used here nominatively to identify products we are appointed to place. Acuity's Arkansas personal and commercial policies are issued by Acuity-affiliated underwriting companies.
This page describes coverage in general terms for informational purposes only. It is not a policy, not an offer of insurance, and not a guarantee of coverage, availability, eligibility, or price. Coverage, discounts, program terms, product availability and eligibility vary by state, by policy, and over time, are set by the carrier, and are subject to underwriting approval and to the terms, conditions, limits, and exclusions of the policy actually issued. Eligibility for any risk is determined by the carrier on the facts of your property, vehicles, or operation; this page makes no representation that any particular property, trade, or business qualifies. If anything on this page conflicts with the issued policy, the policy controls.
Program structure described on this page — including that Acuity's personal umbrella, motorcycle, RV and motorhome, travel trailer, ATV and UTV, boat and watercraft, and landlord coverages are written under a package policy available when auto and home are written together — reflects the carrier's program as described to this agency, is subject to the carrier's rules, eligibility, and underwriting approval, may vary by state and by policy and over time, and is subject to change without notice. Availability of any line for any particular household is determined by the carrier.
Statements about a carrier's ownership structure describe how the company is organized and are not a representation about your premium, your renewal, or the handling of any claim. Financial strength ratings are opinions of an insurer's ability to meet its ongoing insurance obligations, are subject to change, and are not recommendations to purchase, hold or terminate any policy, nor do they address an insurer's claims-handling practices; current ratings are at ambest.com. Cost figures reflect policies placed through Cribb Insurance Group across our markets and are not a quote, not carrier-specific, and not a guarantee of your rate.
Last reviewed August 2026.