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Business Insurance

Property Risks

A fire destroys your property

There is a fire and your building(s) and or business property is destroyed.

Allstate Coverage
  • Building/Personal Property

    This provides coverage for your building and/or your business personal property up to the limits you select.

  • Your coverage with Allstate can help

    Coverage is available on a replacement cost basis up to policy limits.

You can't open your shop

A fire destroys the roof of your business and you cannot operate your business until repairs are made.

Allstate Coverage
  • Business Income & Extra Expense

    This provides for loss of income and fixed expenses while the business is closed due to a covered loss. Extra Expense can help set up the insured at a temporary location during repairs.

  • Up to 12 months of coverage

    This provides your business with up to 12 months of coverage.

You lose power at your bakery

The utility company transformer blows and you lose power to your business.

Allstate Coverage
  • Spoilage Coverage*

    This provides coverage for your perishable items due to a power outage.

  • You select the coverage limit

    This provides coverage for your perishable inventory due to a power loss at a limit you select.

Loss of cash due to theft, robbery or destruction

You handle a significant amount of cash in your business and a robbery could impact your income greatly.

Allstate Coverage
  • Money & Securities

    This covers you against the loss of money or securities due to theft, disappearance or destruction. This is normally an optional coverage, but this coverage is included with Allstate Business ShieldSM for Bakeries.

  • Coverage Up To

    Coverage up to $15,000 on-premise and $5,000 off-premise in the event a theft occurs is included with Allstate Business ShieldSM for Bakeries.

Refrigerator breakdown

Your refrigeration breaks down and you lose your entire inventory.

Allstate Coverage
  • Equipment Breakdown

    This covers loss caused by the sudden breakdown of machinery or other equipment.

  • You're covered up to $100,000

    This provides coverage for your inventory for up to $100,000 lost due to equipment breakdown.

Employee dishonesty

You receive checks, credit card payments and sometimes cash for work that you do. In reviewing the receipts for the week, you notice that the deposits were light.

Allstate Coverage
  • Employee Dishonesty

    This coverage responds when an employee steals money or property from your business. This is normally an optional coverage, but this coverage is included with Allstate Business ShieldSM for Bakeries.

  • You set your coverage

    With Allstate Business ShieldSM for Bakeries, you have up to $10,000 in coverage. Depending on your needs and the amount of contents or money on hand, you may want to have higher limits.

Contaminated Food

Your bakery is shut down by the department of health due to food contamination.

Allstate Coverage
  • Food Contamination

    This coverage provides for your expenses to clean equipment and replace food that is contaminated, and reimburses you for lost Business Income and other expenses as a result of a health department shut-down.

  • You set your coverage

    Protect against serious governmental action with limits starting at $10,000 that can be increased based on your needs.

*Optional coverage

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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