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Business Insurance

Property Risks

Property damage

Someone breaks in overnight and steals and/or damages refrigerators, equipment and computers.

Allstate Coverage
  • Business Personal Property

    This coverage will replace the contents that were stolen or damaged and repair the damage from the incident. Your insurance covers your loss at what it would cost you to replace the items.

  • You choose your coverage

    Coverage is available up to $1 million or more based on your needs.

You lose power to your shop

If your refrigerator fails, your perishable flowers—and revenues—could spoil in a hurry.

Allstate Coverage
  • Spoilage Coverage

    This provides coverage for your perishable items due to a power outage. This is normally an optional coverage, but this coverage is included with Allstate Business ShieldSM for Florists.

  • You select the coverage limit

    This provides coverage for your perishable inventory due to a power loss up to $10,000 limit.

Refrigerator breakdown

Your refrigeration breaks down and you lose your entire inventory due to spoilage.

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 in spoilage due to equipment breakdown.

Refrigeration breakdown during deliveries

In the middle of his deliveries, your driver notices that the refrigeration unit on the delivery vehicle is not working. Your product will spoil without being refrigerated.

Allstate Coverage
  • Vehicle Refrigeration Breakdown Expense

    This provides for necessary vehicle refrigeration breakdown expenses you incur to avoid the imminent spoilage of your "perishable stock" due to sudden and accidental breakdown of refrigeration equipment on motor vehicles you own or lease. This would include obtaining a replacement rental vehicle. This coverage is included with Allstate Business ShieldSM for Florists.

  • Allstate value

    This provides coverage for your perishable inventory due to refrigeration breakdown on a vehicle during deliveries, up to $10,000 limit.

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 the insured 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 Florists.

  • Coverage up to $10,000 on premises, $5,000 off premises

    This provides coverage up to $10,000 on-premise and $5,000 off-premise in the event a theft occurs.

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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