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Business insurance FAQs
It depends on the type of business you are running, the coverage you have selected on your homeowners insurance policy and your state's laws. For example, Allstate offers home-based business coverage that may help depending on your situation.
It's a good idea to consult with your homeowners insurance representative to review your coverage and determine whether it will help protect a business run out of your home.
Commercial auto insurance FAQs
If you or an employee is at fault for an accident while driving a business vehicle, you could be held legally responsible for another person's injuries or damage caused by the accident. There are two types of liability coverage that Allstate includes in a commercial auto policy: bodily injury and property damage.
Bodily injury liability coverage helps pay for medical costs or loss of income for other people involved in an accident. Property damage liability coverage helps pay for repairs (or replacement) of another driver's vehicle.
Underinsured/uninsured motorist coverage helps pay for medical expenses or vehicle repairs if you or your employee are driving the company vehicle and get hit by a driver with little or no insurance. Keep in mind that this coverage is typically optional and may not be available in some states, so be sure to check with your insurer.
Drivewise® for commercial auto FAQs
It's simple and easy to participate. Policyholders can express their intent to enroll when getting a quote or by contacting the customer support team at 1-800-659-3144 or smallbusinessinsurance@allstate.com.
When you enroll, you'll get savings just for participating. These savings will also be applied at each policy renewal if at least one driver on the policy has taken 100 or more trips during the prior policy period.
Note: Employees or additional drivers on the policy who are interested in enrolling should notify their employer/policyholder.
When you sign up for commercial auto insurance and choose to participate in Drivewise®, enrolled drivers will receive a text message with an activation code and a link to download the Routely app. The Routely app is provided by Arity and enables Drivewise®. Arity is the company Allstate has engaged to collect geolocation information and driving data and provide insights to predict risk.
Note: Employees or additional drivers on the policy who are requested to enroll by their employer/policyholder will receive initial activation details via email.
Drivewise driving score FAQs
Your driving score is based on several factors:
- Time of day - This is your miles driven at riskier times of day. Drivers who avoid driving during the riskiest times of day will have better driving scores. Risky times include:
- Late night
- Rush hour
- High Speed - Routely records speeding when you're driving above 80 mph. Driving above this speed tends to lead to more frequent and severe accidents. When you drive at safer speeds (below 80 mph), you'll have a better driving score.
- Sudden Braking - Sudden braking is captured when sensors detect a short period of rapid deceleration. Drivers can prevent sudden braking by following other cars at a safe distance. If you drive defensively to avoid situations requiring sudden braking, you'll have a better driving score.
- Distracted Driving - Distracted driving is how often you are handling your phone while driving. The most distracted drivers have 50% more claims costs. If you don't operate your phone while driving, you'll have a better driving score.
Driving scores collected for all listed drivers who generated one during the prior policy period will affect how your premium is calculated, assuming at least 100 or more trips were taken during that time.
- At the first and subsequent renewals, customers can earn up to 15% off their rate based on the driving experience score for enrolled drivers, which when combined with the 10% participation savings would equal a 25% max policy level savings.
- Conversely, customers could see their rate go up by a maximum of 20% based on the driving experience score of enrolled drivers, which combined with the 10% participation savings equals a maximum overall policy increase of 10%.
If less than 100 trips were taken during that time, the prior driving score experience from a previously participating driver still listed on the policy will continue to be used, if there is one.
Drivewise trips and driving data FAQs
Your driving score is based on several factors:
- Time of day - This is your miles driven at riskier times of day. Drivers who avoid driving during the riskiest times of day will have better driving scores. Risky times include:
- Late night
- Rush hour
- High Speed - Routely records speeding when you're driving above 80 mph. Driving above this speed tends to lead to more frequent and severe accidents. When you drive at safer speeds (below 80 mph), you'll have a better driving score.
- Sudden Braking - Sudden braking is captured when sensors detect a short period of rapid deceleration. Drivers can prevent sudden braking by following other cars at a safe distance. If you drive defensively to avoid situations requiring sudden braking, you'll have a better driving score.
- Distracted Driving - Distracted driving is how often you are handling your phone while driving. The most distracted drivers have 50% more claims costs. If you don't operate your phone while driving, you'll have a better driving score.
Driving scores collected for all listed drivers who generated one during the prior policy period will affect how your premium is calculated, assuming at least 100 or more trips were taken during that time.
- At the first and subsequent renewals, customers can earn up to 15% off their rate based on the driving experience score for enrolled drivers, which when combined with the 10% participation savings would equal a 25% max policy level savings.
- Conversely, customers could see their rate go up by a maximum of 20% based on the driving experience score of enrolled drivers, which combined with the 10% participation savings equals a maximum overall policy increase of 10%.
If less than 100 trips were taken during that time, the prior driving score experience from a previously participating driver still listed on the policy will continue to be used, if there is one.
Yes, all drivers listed on the policy can be enrolled when you buy the policy or by contacting customer support at 1-800-659-3144 or smallbusinessinsurance@allstate.com after you've purchased a policy. You will need to provide a valid email address for each listed driver you are looking to enroll to begin the activation process.
Drivewise troubleshooting/support FAQs
Your driving score is based on several factors:
- Time of day - This is your miles driven at riskier times of day. Drivers who avoid driving during the riskiest times of day will have better driving scores. Risky times include:
- Late night
- Rush hour
- High Speed - Routely records speeding when you're driving above 80 mph. Driving above this speed tends to lead to more frequent and severe accidents. When you drive at safer speeds (below 80 mph), you'll have a better driving score.
- Sudden Braking - Sudden braking is captured when sensors detect a short period of rapid deceleration. Drivers can prevent sudden braking by following other cars at a safe distance. If you drive defensively to avoid situations requiring sudden braking, you'll have a better driving score.
- Distracted Driving - Distracted driving is how often you are handling your phone while driving. The most distracted drivers have 50% more claims costs. If you don't operate your phone while driving, you'll have a better driving score.
Driving scores collected for all listed drivers who generated one during the prior policy period will affect how your premium is calculated, assuming at least 100 or more trips were taken during that time.
- At the first and subsequent renewals, customers can earn up to 15% off their rate based on the driving experience score for enrolled drivers, which when combined with the 10% participation savings would equal a 25% max policy level savings.
- Conversely, customers could see their rate go up by a maximum of 20% based on the driving experience score of enrolled drivers, which combined with the 10% participation savings equals a maximum overall policy increase of 10%.
If less than 100 trips were taken during that time, the prior driving score experience from a previously participating driver still listed on the policy will continue to be used, if there is one.
The new mobile phone will need to be set up as a new device. Download Routely on the new phone and then contact customer service at 1-800-659-3144 or smallbusinessinsurance@allstate.com to receive an activation code.
Note: Employees or additional drivers on the policy who need to set up a new device should notify their employer/policyholder.
Only available in Alabama, Arizona, Colorado, Florida, Idaho, Illinois, Indiana, Georgia, Missouri, Nevada, Ohio, Pennsylvania, Tennessee, Texas, Utah, Virginia & Wisconsin. Savings vary. Drivewise® is an optional feature not available for all commercial auto risks. Smartphone and download of Routely app with activation of Drivewise® required for ongoing savings. Subject to terms, conditions and availability.
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. Coverage is subject to state availability and qualifications and may vary by state. Other terms, conditions and exclusions may apply. Allstate Commercial Auto Policy is issued by Allstate Insurance Company; in NJ, Allstate New Jersey Insurance Company; in TX, Allstate County Mutual Insurance Company. Allstate Insurance Company home office: 3100 Sanders Road, Northbrook, IL 60062.