Allstate Insurance Group

United by Our Shared Purpose

We're a purpose-driven company powered by purpose-driven people. We're transforming for our customers, communities and each other.Our Shared Purpose is the "why" and "how" behind everything we do. In an unpredictable world, Our Shared Purpose provides clarity and lights the path forward.

We are the Good Hands people —

We provide affordable, simple and connected protection that empowers customers to achieve their hopes and dreams.We add economic value for shareholders, create opportunities for our teams and work with local and national partners to improve communities.

Our values —

First and foremost: Integrity is non-negotiable.We embrace our unique identities and provide equitable opportunity and rewards for all employees. Inclusive Diversity & Equity is woven into our business and culture.Working as one Allstate, we prioritize collective success ahead of individual wins.Echo background.

Our operating standards

We work hard to be the best at protecting customers, developing talent and running our business.We focus on customers by anticipating their needs, exceeding expectations and keeping costs low.We are bold in our thinking, original in our ideas and work with speed and determination to beat the competition.We provide customer value, take smart risks and make data-driven decisions to strengthen our business.

Our behaviors —

Collaborating early and often helps us develop the best solutions and share what we've learned.We challenge ideas to leverage employees' collective expertise. We evaluate every option so we can choose the best path forward.We provide clarity for expected outcomes, decision authority and accountability.At every level, we provide and seek feedback that is candid and actionable.

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Business Auto

What’s covered by a commercial auto insurance policy? If you have commercial auto insurance for your business, you’ll be protected from the financial burdens that come from accidents, like vehicle repairs and medical bills. Remember, a covered claim will be subject to your policy’s deductibles and limits. Additionally, coverage availability and requirements vary by state. Here are some common commercial auto insurance coverages to help you get started: Liability coverage Allstate offers two liability insurance components in a commercial auto policy: bodily injury liability and property damage liability coverage. Every state requires auto liability coverage. Let’s say your employee is driving a company vehicle and causes an accident. Bodily injury coverage helps pay for the other driver’s medical bills, and property damage coverage helps pay for their car repairs. Collision coverage Collision coverage helps pay to repair your company vehicle or may help pay to replace it if it’s a total loss, after a covered accident. Comprehensive coverage Comprehensive coverage helps pay for your business vehicle repairs if it’s damaged in a non-collision-related event, like theft, fire, vandalism or hail. For example, if a storm rolls through and hail damages your company car, comprehensive coverage may help pay for repairs. Uninsured/underinsured motorist coverage If one of your employees is in an accident and an uninsured or underinsured driver is at fault, this coverage helps pay for your employee’s medical bills. Rental car coverage If your company vehicle needs to spend some time in the shop after an accident, rental car coverage helps keep your business running with a rental vehicle. Commercial auto coverage Designed for businesses with company vehicles, this policy helps pay for repairs to your company vehicle or a driver’s medical bills if there’s an accident. What’s not covered Not everything is covered by a standard commercial auto insurance policy. While coverages vary based on where you live, the following expenses and scenarios are typically excluded or require additional coverage options be added to your policy: Medical expenses that are unrelated to an accident when an employee is driving a company vehicle. The contents inside your business vehicle. Accidents that happen when an employee drives a personal vehicle for business reasons. Repairs to a rental vehicle you’re driving while waiting for your company car to be fixed after an accident. Do you need commercial auto insurance? It depends on the business you’re in. Here are a few of the professions that may benefit from commercial auto insurance: Artisan / specialty contractors Carpenters Plumbers Electricians Landscapers Realtors Doctors and Dentists Lawyers Florists And more What is the risk if I don’t have commercial auto insurance? If you don’t have commercial auto insurance for your business, you may be vulnerable to financial risk when accidents happen. That’s because typically, a personal auto policy doesn’t cover your business vehicles. Here are a few of the risks you and your business may face without commercial auto insurance: No liability coverage No coverage for any vehicle repairs No coverage for legal expenses No comprehensive coverage for unrelated damages such as theft, vandalism or hail Why you should use Allstate for your commercial auto insurance policy When you purchase a commercial auto insurance policy from Allstate, you’ll know you’re always up-to-date on your policy, while being treated with the respect you and your business deserve. A.M. Best. has given Allstate an A+ rating for superior 24/7/365 claims service. How much does commercial auto insurance cost? There are a few factors that determine the amount of your commercial auto insurance policy. These include the coverages you choose, your coverage limits (the maximum amount of money insurance will pay for a covered claim) and your deductible (the amount you pay out-of-pocket for a covered claim). What type of vehicles are covered by commercial auto insurance? Not all company vehicles are the same. Here are some of the most common types of business vehicles covered by commercial auto insurance: Cars SUVs Vans Pickup trucks Box trucks Service utility trucks

Small Commercial

What’s a business owners insurance policy? Allstate understands that no two businesses are exactly alike, which is why we offer business insurance packages tailored for many types of businesses. A typical business owners policy (BOP) includes multiple coverages that help protect businesses and their owners in a number of situations. Each BOP, which can be customized to fit your needs, combines property insurance, liability coverage and more into one convenient policy. building icon. Get business insurance designed for you. Each industry brings its own set of risks and insurance needs, which is why it’s a good idea to have business insurance coverage tailored to fit your needs. Select your industry from the list below to learn more about how you can help protect your small business with custom coverage from Allstate. Business insurance doesn’t cover everything Business owners insurance helps protect your business from sudden and accidental losses. However, not all losses are covered by a standard business insurance policy. Flood Earthquakes Water backup Floods, earthquakes and water/sewer backups are typically excluded from business owners insurance. If you want to purchase additional insurance to help cover damage from these events, talk to your Allstate agent to learn what options are available.