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Get Commercial Auto Insurance for Your Business

Some businesses need company cars to help complete their day-to-day operations. Whether your business has one, or many vehicles, it's a good idea to have commercial auto insurance (also known as business auto insurance) to help protect you in case of an accident. That's because a personal auto insurance policy doesn't typically extend to your company's vehicles.

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Start a custom business auto quote or find an Allstate Business Insurance agent to learn more about commercial auto coverage.

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What's Covered by a Commercial Auto Insurance Policy?

An auto insurance policy for your business is designed to help pay for repairs to your company vehicle or a driver's medical bills after an accident. Keep in mind that a covered claim will be subject to your policy's deductibles and limits.

Coverage availability and requirements vary by state, so it's a good idea to connect with your local Allstate^® Business Insurance agent for details. Here are some common business auto insurance coverages to help you get started:

Liability Coverage

Allstate offers two liability insurance components in a business auto policy: bodily injury liability and property damage liability coverage. Auto liability coverage is required in every state.

If your employee is driving a company vehicle and causes an accident, bodily injury coverage helps pay for the other driver's medical bills. Property damage coverage helps pay for the other driver's car repairs.

Collision Coverage

Collision coverage helps pay to repair your company vehicle or may help pay to replace it if it's a total loss, after a covered accident.

Comprehensive Coverage

Comprehensive coverage helps pay for your business vehicle repairs if the car is damaged from something other than a collision (such as theft, fire, vandalism or hail). For example, if a storms rolls through and hail damages your company car, comprehensive coverage may help pay for repairs.

Uninsured/Underinsured Motorist Coverage

Uninsured/
Underinsured Motorist Coverage

Uninsured/underinsured motorist coverage helps pay for your employee's medical bills or vehicle repairs if they're involved in an accident that's caused by another driver who doesn't have enough liability insurance to pay for the resulting expenses.

Rental Car Coverage

Rental car coverage helps cover the cost of renting a vehicle while your company car is in the shop after an accident.

What's Not Covered

Not everything is covered by a commercial auto insurance policy. While coverages vary based on where you live, the following expenses and scenarios are typically excluded:

Medical expenses that are unrelated to an accident when an employee is driving a company vehicle.
The contents inside your business vehicle (you could purchase Allstate's Inland Marine coverage if you'd like to protect these contents).
Accidents that happen when an employee drives their personal vehicle for business purposes.
Repairs to a rental vehicle you're using while waiting for your company car to be fixed after an accident.

Reading Your Policy Declarations

When you purchase Allstate commercial auto insurance, you'll receive policy declarations. This document "declares" the choices you've made for your insurance policy, specific to your commercial auto coverage (such as deductibles and limits, as well as optional protection you may have purchased).

Take time to read through your policy declarations and reach out to your insurance agent with questions. Understanding your policy and what is (and isn't) covered is key to knowing what to expect in case you ever need to file a claim.

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*Only available in Arizona. Savings will vary. Smartphone and download of Routley app with activation of the telematics safe driving program 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: 2775 Sanders Road, Northbrook, IL 60062.