Business Auto Enhancement Endorsement

Coverage Features

Coverage Feature What it Means to You^*

Broadened Who Is An Insured Provision
Subsidiary companies you own and companies you acquire are included as insureds for Liability Coverage.

Blanket Additional Insured Protection
Any person or organization your company is required to add to your Business Auto Policy as an "additional insured" is included as an insured under Liability Coverage, for the work that your company performs for them.

Supplementary Payments Enhancements
The policy Supplementary Payments features under Liability Coverage are increased as follows:
Cost of Bail Bonds - from $2,000 to $5,000.
Loss Adjustment Expenses incurred by the insured - from $250 a day to $500 a day.

Fellow Employee Coverage
Standard Business Auto Policy Liability coverage excludes any injury caused by one employee to another. This feature in our coverage helps provide protection from liability claims if the employee causing this type of injury holds the position of manager / supervisor or higher in your company.

Collision Coverage Waiver of Deductible
Your physical damage deductible is waived in an accident involving your vehicle and another vehicle also insured by Allstate.

Temporary Substitute and Leased Vehicles
If physical damage coverage is provided by the policy, private passenger vehicles, and trucks with a Gross Vehicle Weight (GVW) of 20,000 LBS or less that you use as temporary substitute vehicles, will have the same coverage. Private passenger vehicles and trucks with a GVW of 10,000 LBS or less that you rent for 30 days or less are also covered autos for the physical damage coverages on the policy

Lease and Loan Gap Coverage
In the event of a covered total loss of a vehicle, this feature helps provide coverage for the difference between the loss settlement value of the vehicle and what you may still owe on a loan or lease for that vehicle.

Glass Repair Deductible
Waiver With this feature, no deductible applies to covered glass damage that is repaired rather than replaced.

Personal Effects Coverage
If Comprehensive coverage or Specified Causes of Loss coverage applies, coverage includes up to $500 for loss of personal effects inside the vehicle in the event of a covered total theft of the vehicle.

Knowledge or Notice of an Accident or Loss
For the loss reporting requirement under the policy, the insured is not considered to have actual knowledge of an accident until it is received by a person in the company who holds the position of manager or above.

Unintentional Errors or Omissions
Your unintentional errors in providing us with information about claims will not adversely impact claim settlement.

Blanket Waiver of Subrogation
If the insured has agreed in writing to waive subrogation against another entity, the policy conditions will support that waiver.

Coverage Feature	What it Means to You^*
Broadened Who Is An Insured Provision	Subsidiary companies you own and companies you acquire are included as insureds for Liability Coverage.
Blanket Additional Insured Protection	Any person or organization your company is required to add to your Business Auto Policy as an "additional insured" is included as an insured under Liability Coverage, for the work that your company performs for them.
Supplementary Payments Enhancements	The policy Supplementary Payments features under Liability Coverage are increased as follows: Cost of Bail Bonds - from $2,000 to $5,000. Loss Adjustment Expenses incurred by the insured - from $250 a day to $500 a day.
Fellow Employee Coverage	Standard Business Auto Policy Liability coverage excludes any injury caused by one employee to another. This feature in our coverage helps provide protection from liability claims if the employee causing this type of injury holds the position of manager / supervisor or higher in your company.
Collision Coverage Waiver of Deductible	Your physical damage deductible is waived in an accident involving your vehicle and another vehicle also insured by Allstate.
Temporary Substitute and Leased Vehicles	If physical damage coverage is provided by the policy, private passenger vehicles, and trucks with a Gross Vehicle Weight (GVW) of 20,000 LBS or less that you use as temporary substitute vehicles, will have the same coverage. Private passenger vehicles and trucks with a GVW of 10,000 LBS or less that you rent for 30 days or less are also covered autos for the physical damage coverages on the policy
Lease and Loan Gap Coverage	In the event of a covered total loss of a vehicle, this feature helps provide coverage for the difference between the loss settlement value of the vehicle and what you may still owe on a loan or lease for that vehicle.
Glass Repair Deductible	Waiver With this feature, no deductible applies to covered glass damage that is repaired rather than replaced.
Personal Effects Coverage	If Comprehensive coverage or Specified Causes of Loss coverage applies, coverage includes up to $500 for loss of personal effects inside the vehicle in the event of a covered total theft of the vehicle.
Knowledge or Notice of an Accident or Loss	For the loss reporting requirement under the policy, the insured is not considered to have actual knowledge of an accident until it is received by a person in the company who holds the position of manager or above.
Unintentional Errors or Omissions	Your unintentional errors in providing us with information about claims will not adversely impact claim settlement.
Blanket Waiver of Subrogation	If the insured has agreed in writing to waive subrogation against another entity, the policy conditions will support that waiver.

*These are general descriptions. Restrictions and limitations apply to actual policy language. Business Auto Enhancement Endorsement not available in California. Lease and Loan Gap coverage, Fellow Employee coverage, Blanket Additional Insured Coverage, and Liability coverage for Subsidiary and Newly Acquired organizations not available in Virginia. Lease and Loan Gap coverage not available in New York. Coverages may vary in other ways by state.