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You work hard to succeed

As a small business owner, the last thing you want is for something to happen that could set you back financially. Allstate® understands that your business is unique, and we have protection solutions that address the risks specific to your business and deliver greater peace of mind. Check out Allstate’s protection solutions and get a quote that addresses the specific needs of your business.

Protect the vehicle that keeps you in business

Commercial auto protection provides coverages designed to help you get back on the road to success. In addition to coverages for the industries listed below, Allstate's commercial auto insurance helps protect vehicles used by:

  • Artisan / specialty contractors
  • Carpenters
  • Plumbers
  • Electricians
  • Landscapers
  • Realtors
  • Doctors and Dentists
  • Lawyers
  • Florists
  • And more

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File a business insurance claim

Your small business is your livelihood, which is why we strive to get your claim processed as quickly as possible.

start protecting your business today

Give your business and company vehicles the protection they deserve by learning more about coverage options, including a business owners policy (BOP). Start protecting your business today with a fast and easy quote.

What risks does a business insurance policy cover?

Business insurance typically helps cover a variety of risks to the premises and property your business owns. Some commonly covered risks include:

  • Theft
  • Lightning
  • Fire and smoke
  • Car crash into your business
  • Windstorm or hail
  • Sprinkler Leakage
  • Vandalism
  • Falling objects
  • Explosion

Have questions?

Chat with Allstate's Business Insurance Expert (ABIe) or check out frequently asked questions to get answers to a variety of questions.

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Types of business insurance

As a business owner, you understand that not all businesses are the same. Take a look at some of Allstate’s business insurance coverages and see which ones are right for you.

  • Business Owners Policy (BOP)
    This policy combines multiple coverages, such as property coverage (for building and/or contents) and liability coverage, into one convenient package.
  • Property Coverage
    This policy protects the property your business owns.
  • Liability Coverage
    If a customer is injured at your business, this policy helps cover any legal expenses, as well as any other liability claims.
  • Business Interruption Coverage
    This policy helps cover lost income and extra expenses resulting from a covered claim.
  • Equipment Breakdown Coverage
    If your business experiences a power surge or other covered risk, this policy helps pay to repair any damaged equipment.

How much does business insurance cost?

There are several factors that determine the cost of business insurance, including the type of industry you work in and the specific job you do. Take General Liability coverage: professionals who interact with the public, such as retailers, tend to pay more for this policy than those who work on their own, because there’s a higher level of risk involved with customer-facing industries.

In general, the cost of your business insurance depends on the specific type of policy you need. Additionally, it’s also subject to state availability, and qualifications may vary by state.

How much coverage do I need for my business?

There are a few things to consider when deciding on the right business insurance you need. Mainly, the type of business you own and the services you provide, as well as the state your business operates in. As a rule of thumb, general liability insurance is a basic policy to have as a business owner, because it helps cover bodily injury, property damage and various legal and medical expenses. If your business uses company vehicles, then commercial auto coverage is a good idea, since a personal auto insurance policy typically doesn’t extend to your business’s vehicles.

Do I need business insurance?

The simple answer is yes, even if you’re a sole proprietor. Your industry and the work you do determine the type of business insurance you need. General Liability coverage is recommended for all businesses, while businesses with valuable property or company vehicles may need commercial property insurance and commercial auto coverage, respectively.

Business insurance FAQs

Allstate Agents are friends to small business owners

As small business owners themselves, Allstate agents have the firsthand knowledge and experience you want in a business insurance agent. Talk to a business insurance agent today to help find the coverages that fit your needs.
  • Our agents work along side you

    Allstate agents strive to deliver the highest and most sincere level of service to every customer.
  • We're here for you when you need us

    We aim to make the claims process smooth and simple, so you can quickly get back to business as usual.