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Allstate Business Owners Policy Declarations

Learn About Important Details In Your Coverage

When you purchase an Allstate Business Insurance policy, you'll receive a Policy Declarations. This document "declares" the choices you've made for your policy, such as deductible amounts, coverage limits and any optional protection you may have purchased.

You'll receive a new Policy Declarations each renewal period, which is typically every 12 months. You should always read through your renewal documents to make sure you're up to date on the latest features of the policy, any changes in premiums or other vital information.

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How To Read Your Business Insurance Policy Declarations

Review the sample declarations below to learn where to find some important information.

Sample Business Insurance Policy Declaration.

  • Policy Period

    Business policies typically cover a one-year period.

  • Coverage Parts

    This section shows you which business-related insurance policies are included in the policy declarations.

Sample Business Insurance Policy Declaration.

  • Deductibles

    A deductible is the amount you pay out of pocket when you file a claim for a covered loss*. Your policy's deductibles will be shown under each coverage.

  • Coverages

    This shows all the coverages you have as part of your business owners insurance policy.

Sample Business Insurance Policy Declaration.

  • Limits of Insurance

    This shows the maximum amount Allstate will pay for each covered loss*, for each type of coverage.

  • Optional Coverages

    All optional coverages you've purchased to expand the protection of your business are shown here (or on an additional coverage form).

* "Covered loss" is an insurance term that means a loss or damage falls within the bounds of the policy.

Related resources

This is a brief description of business insurance products; this is not a contract. Read your policy for full details about the coverages. To learn more, please contact your Allstate Agent. Coverages are subject to state availability and qualifications. Other terms, conditions and exclusions may apply. Business Owners Policy is issued by Allstate Insurance Company: Northbrook, IL; Allstate New Jersey Insurance Company: Bridgewater, NJ.

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