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.