Your Growing Business May Need More
Coverage Than a Personal Auto Policy Provides
The following coverage options are available on a insurance / commercial vehicle policy:
Additional Business Insurance Options:
Supplemental CoveragePlease see disclaimers below:
1 For sole proprietorships, this coverage may be extended to your family by including them on your policy.
2 For partnerships and corporations, this coverage extends to anyone occupying your covered vehicles.
* All coverages and discounts are subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company; Allstate Indemnity, Northbrook, IL; Texas County Mutual, Irving, TX; Allstate New Jersey Insurance Company, Bridgewater, NJ. Other terms, conditions and exclusions may apply.
To help keep your vehicles safe and sound, you can choose from a number of Allstate coverage options — each with its own coverage limit. Following is a summary of the standard coverage available in an Allstate commercial vehicle policy:
Should you work for or lease vehicles from other entities, Additional Insured coverage may help provide liability protection you may require.
Return to Top
Audio, Visual and Data Electronic Equipment coverage typically helps provide protection for equipment that receives or transmits audio, visual or data signals and that is not designed solely for the reproduction of sound. Equipment must be permanently installed in the vehicle or removable from a housing unit that is permanently installed in the vehicle, using the vehicle's electrical system for power.
Return to Top
This coverage generally helps provide protection for damages you're legally obligated to pay because of injuries you cause to others in a covered accident as well as legal costs associated with defending claims and lawsuits against you or your company that could arise out of accidents for which you may be liable.
Return to Top
Collision coverage generally helps pay 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).
Return to Top
This coverage option typically helps pay for damage to your commercial vehicles for covered losses not caused by collision or from the auto being overturned. This may include, among other things, fire, theft, hail, flood or vandalism.
Return to Top
This coverage generally helps provide liability and physical damage coverage protection if you or your employees rent private passenger cars on a short-term basis, even when there's no personal auto liability policy in force.
Return to Top
Hired Auto coverage generally helps provide liability coverage for you, as the business owner, when you rent vehicles for use in your business on a short-term basis. For an added level of protection, you may also consider Hired Auto Physical Damage Coverage, which provides comprehensive and collision physical damage protection to the vehicles you rent on a short-term basis.
Return to Top
This coverage usually helps provide liability protection for damage resulting from the handling of property during the loading onto or unloading from your covered vehicle.
Return to Top
If you or your employees require medical treatment as a result of a covered accident, then Medical Payments coverage generally helps provide reimbursement for reasonable and necessary medical care.
Return to Top
Should your employees get into an auto accident involving their own vehicle while they are "on the clock," Non-Owned Auto coverage typically helps provide liability protection for your business for injuries or damages that are a result of that accident.
Return to Top
If you caused loss or destruction to the property of others in a covered accident, then Property Damage Liability coverage typically helps protect you from damages you're legally obligated to pay.
Return to Top
If you have a covered comprehensive or collision loss as an insured person, this coverage typically helps reimburse you for the cost of renting vehicles, up to the dollar amount limit per day shown on your policy.
Return to Top
Should an uninsured driver cause an accident, Uninsured Motorist Bodily Injury coverage typically helps provide protection for you or your employees in a covered accident. (Coverage will vary by state.)
Return to Top
If you or your employees are injured in a covered accident caused by an uninsured driver, the Uninsured Motorist Property Damage coverage typically helps provide protection for you. (Coverage will vary by state.)
Return to Top
| Auto | General Liability | Property | Workers Comp |
|---|
| Liability | Bodily Injury3 | Business Property Protection3 | Workers Comp3 |
| Medical Payments1 | Property Damage3 | Tool and Equipment Protection3 | |
| Uninsured Motorist Bodily2 | Personal Injury3 | Employee Dishonesty3 | |
| Collision | Advertising Injury3 | | |
| Comprehensive | Umbrella Excess | | |
| Loading and Unloading | | | |
| Rental Reimbursement | | | |
| Non-Owned Auto | | | |
| Hired Auto | | | |
| Audio & Visual Equipment | | | |
| Drive Other Car | | | |
| Additional Insured | | | |
Return to Top
Please see disclaimers below:
1 For sole proprietorships, this coverage may be extended to your family by including them on your policy.
2 For partnerships and corporations, this coverage extends to anyone occupying your covered vehicles.
3 These coverages are provided by one or more insurance carriers not owned by or affiliated with Allstate.
* All coverages and discounts are subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company; Allstate Indemnity, Northbrook, IL; Texas County Mutual, Irving, TX; Allstate New Jersey Insurance Company, Bridgewater, NJ. Other terms, conditions and exclusions may apply.