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Your business relies on your vehicles. You need coverage you can rely on.
You work hard every day to make sure your business runs smoothly. And your company’s vehicles are a critical part of your success. Whether it’s one vehicle or a fleet, make sure it’s adequately protected. Allstate offers affordable Business Auto Insurance that can help protect your assets and minimize downtime. Business vehicles need unique protection.
When using a vehicle for business, you face different protection concerns than other drivers. That's why Allstate Business Auto Insurance provides more comprehensive protection for your businesses than a personal auto policy. Typically, it can provide coverage if: - You or an employee driving one of your vehicles injures someone or damages their property
- Bodily injury or property damage occurs while you're unloading items from your vehicle
- General contractors or owners ask to be an additional insured on projects
- Your employee drives their own vehicle for business and injures someone or damages their property
Get business insurance from people who get your business.
Your Allstate Agent can help you find a policy that fits both your business and your budget. By working with Allstate, you get: - Convenient locations and agents who can help you identify your insurance needs
- Claims settled promptly, fairly and efficiently
- Money-saving discounts and special rates
- 40 years of Allstate business insurance experience
Protection that works for you. Below is a summary of the standard coverage you get with an Allstate policy. At Allstate, you can choose from a number of specific coverages - each with its own coverage limit. Commercial Auto Liability
Typically provides protection for amounts you are legally obligated to pay to others for injuries or damage to property from a covered accident. Examples of covered items or costs are: - Bodily injury
- Property damage
- Medical services
- Defense Costs
- Loss of income
| - Loss of Services
- Cost of bail bonds
- Premium on appeal bonds
- Funeral Expenses
| Medical payments
Typically provides payment for the reasonable and necessary medical treatments you or your employees incur as a result of a covered accident. Examples of covered items or costs are: - X-rays
- Physician
- Surgical
| - Hospital
- Ambulance
- Dental
| Uninsured Motorist
Typically provides protection if you or your employees are injured in a covered accident caused by a negligent uninsured driver. Examples of covered items or costs are: Collision
Typically pays for damage caused to your commercial vehicle resulting from a covered accident with another car or a covered collision with most anything else (such as a tree). Examples of covered items or costs are: - Repair or replacement of vehicle (up to actual cash value) for damage caused by collision
| Comprehensive
Typically pays for damage to your commercial vehicles for covered losses not caused by collision or from the auto being overturned. Examples of covered items or costs are: - Wind, hail, earthquake
- Glass breakage, flood
- Fire, explosion
| - Theft, vandalism
- Many other hazards - up to the actual cash value
| Loading and Unloading
Typically provides liability protection for damages resulting from the handling of property during the loading onto or unloading from covered vehicles. Examples of covered items or costs are: - Bodily injury or property damage resulting from the handling of property from a covered vehicle.
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