What's a business owners insurance policy?

Allstate understands that no two businesses are exactly alike, which is why we offer business insurance packages tailored for many types of businesses. A typical business owners policy (BOP) includes multiple coverages that help protect businesses and their owners in a number of situations. Each BOP, which can be customized to fit your needs, combines property insurance, liability coverage and more into one convenient policy.
  • Property insurance

    Provides valuable protection for property owned by your business.
  • Liability insurance

    Helps cover legal expenses due to customer injuries and other liability claims.
  • Business interruption insurance

    Helps cover lost income and extra expenses resulting from a covered claim.
  • Equipment breakdown coverage

    Helps pay to repair equipment damaged by a power surge or other covered risk.

start protecting your business today

Allstate Business Insurance agents can help you learn more about coverage options, including a business owners policy (BOP) to help protect your business or a commercial auto policy for company vehicles. Get started today.

Get business insurance designed for you.

Each industry brings its own set of risks and insurance needs, which is why it's a good idea to have business insurance coverage tailored to fit your needs. Select your industry from the list below to learn more about how you can help protect your small business with custom coverage from Allstate.

Business insurance doesn't cover everything

Business owners insurance helps protect your business from sudden and accidental losses. However, not all losses are covered by a standard business insurance policy.

  • Flood
  • Earthquakes
  • Water backup

Floods, earthquakes and water/sewer backups are typically excluded from business owners insurance. If you want to purchase additional insurance to help cover damage from these events, talk to your Allstate agent to learn what options are available.

Need more protection?

Below are just a few of the optional coverages you may be able to purchase as add-ons to your Allstate Business Insurance policy or as a separate policy. Coverages may not be available in all states and limits may vary.

Available as add-ons to a policy

Other types of protection you can purchase
Look under "Coverage" on your policy declarations
Outdoor signs
Covers outdoor signs your business owns and has installed at its location.
Data compromise and identity theft protection
Data compromise protection provides resources to help you comply with breach notification laws and assists with defense and settlement costs if you are sued following a breach of personal information.

Identity recovery protection provides a dedicated help line for support and case management for identity theft victims.
Employee dishonesty
Helps cover damages resulting from dishonest acts committed by your employees.
Home-based business
Protects businesses that are run out of your home and gives coverages for off-premises activities, as well as credit card coverage.
Cyber attacks
Helps cover losses related to a cyber attack on your business's computer system, such as damage to your data and system, cyber extortion and computer fraud.
Shield endorsements
Provide a set of valuable coverages tailored to your type of business. For example, a shield endorsement can help protect equipment that is specific to your business, such as increased coverage for valuable records for doctors and dentists.
Inland marine insurance
Helps cover business property while it's being transported by truck or train. It can provide greater protection for high-value items or property that's not covered by a standard business insurance policy.

Separate policies you can purchase

Other types of insurance you can purchase
Look for these policies in a separate mailing
Flood insurance
Your Allstate agent can help you purchase a separate policy through the National Flood Insurance Program.
Umbrella policy
If someone sues you over an accident, and the settlement exceeds the liability limits on your business owners insurance policy and/or business auto policy, this coverage can help cover the additional expenses.
Commercial auto
If your business vehicle is damaged in an accident, or an employee is found liable for a car accident while on the job, commercial auto insurance can help cover related expenses.

Download our guide

As business owners themselves, Allstate agents have a unique understanding of the needs and questions you may have when selecting business insurance coverages. To help you prepare for a conversation with an agent about business insurance, check out this helpful guide.

review the guide

To read your policy declarations

When you purchase or renew an Allstate Business Insurance policy, you'll receive policy declarations. This document "declares" the choices you've made for your policy, such as limits and deductibles, and optional coverages you may have purchased. It can also help you keep up to date on the latest features of the policy, any changes in premiums or other information.

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