Types of coverage for service providers
If you are a service provider — for example, a photographer, florist, barber, locksmith or funeral director — it's a good idea to protect your company with a business owners policy (BOP). Allstate offers a variety of coverages to help protect professional service businesses.
Below are coverages that may be available for your business. An Allstate agent can also help explain what coverages are standard and which are available as add-ons so you can craft a business owners policy (BOP) that fits your needs. Some coverages are subject to deductibles and limits.
Explore property coverages
| Property risks | Allstate coverage |
|---|---|
| Power outage The utility company's transformer blows and you lose power to your business. |
Spoilage Coverage Preservation of Dead Bodies Coverage |
| Theft of locksmith equipment While out on a job, someone breaks into your work vehicle and steals tools. |
Locksmiths' Tools and Equipment Coverage This helps replace tools if they're stolen while you're away from your business location. |
| Damage to property while off premise While in transit to a customer or vendor's location, you are involved in an accident and your tools and equipment are damaged. |
Inland Marine Coverage Property in Transit/Off Premises Photographic Equipment Off-Premises Coverage |
| Customer items are stolen While a customer's goods are in your care, someone breaks in overnight and steals their items. |
Customers' Goods Coverage This coverage provides for direct physical loss of or damage to customers' goods after a covered loss. This is typically an optional coverage. |
| Employee dishonesty Your business receives checks, credit card payments and sometimes cash for work that you do. When reviewing the receipts for the week, you notice that the deposits were lower than usual. |
Employee Dishonesty Coverage This coverage helps pay for a loss if an employee steals money or property from your business. It is typically an optional coverage. |
| Computer hack It is discovered that someone hacked into your bank account and transferred funds out of your account. |
Computer Fraud and Funds Transfer Fraud Coverage These optional coverages kick in if someone uses a computer to fraudulently transfer money, securities or other property to someone else. |
| The refrigerator in your truck breaks down The refrigerator unit on your delivery truck fails in the middle of a long day of deliveries. Your product may spoil quickly without being transferred to a working refrigerator. |
Vehicle Refrigeration Breakdown Expense Coverage This coverage helps with expenses you incur after your company vehicle's refrigeration system breaks down. It is meant to help prevent spoilage of your company's perishable stock. |
| Refrigerator breaks down in your shop The refrigerator at your business location breaks down and you lose your entire inventory due to spoilage. |
Equipment Breakdown Coverage This coverage helps pay for your company's expenses resulting from the sudden breakdown of machinery or other equipment. |
| Building or property damage If your business building or business property are destroyed due to a covered loss, such as a fire or theft, costs could add up quickly. |
Business Building/Personal Property Coverage This coverage pays to repair or replace your owned business building and/or your business personal property, up to the limits you select. |
| Stolen cash Money stolen from your company in a theft or burglary could lead to hardship. |
Money and Securities Coverage This optional coverage helps protect your business against loss of money or securities due to theft, disappearance or destruction. This coverage may provide reimbursement whether the loss occurred on or off your business premises. |
| You can't open your business Your business is damaged due to a fire and you cannot operate until repairs are made. |
Business Income and Extra Expense Coverage This coverage provides your business with up to 12 months of coverage. |
| Damaged documents A pipe bursts and leaks over a filing cabinet that contains critical documents. Many documents are damaged and others are completely destroyed. |
Valuable Papers and Records This helps cover the cost of restoring important business documents that are damaged or destroyed by a covered loss. This coverage is included in the basic BOP and can be increased if you opt for additional coverage. |
| Billing records are destroyed There is a fire and your company's billing records are destroyed. This makes it difficult for you to collect payments from customers. |
Accounts Receivable Protection This covers the increased cost of collecting payments and the expense of reestablishing the records of accounts receivable. |
| Computer virus attack You get an email from a client, but you open it to discover that it contains a virus. |
Electronic Data Coverage This coverage is included in a basic BOP, but you have the option to increase coverage limits. |
Explore liability coverages
| Liability risks | Allstate coverage |
|---|---|
| Injury lawsuit You are sued because somebody was injured after slipping on a recently mopped floor at your business. |
General Liability Protection This provides coverage for injury to others at your premises and helps protect you from lawsuits filed against you. |
| Damage to customer property You're a locksmith and accidentally damage a customer's front door while changing out a lock. |
General Liability Protection Locksmiths Endorsement |
| You cause injury to a customer You are a hair stylist and sued by a client after accidentally causing an injury during a haircut. |
The Barber Shops and Hair Salons Professional Liability Products and Completed Operations Coverage |
| Employee gets into an accident while using their own vehicle for a business errand You ask your employee to run a business-related errand in their personal vehicle, and while they are running the errand, they get into an accident. |
Employer's Non-Owned Auto Liability Coverage This liability coverage helps when an employee uses their own car to conduct their employer's business. It will help protect your business if your employee causes property damage or injury as a result of an accident in their personal vehicle. |
| Client lawsuit A client sues you when the services they paid for don't turn out as expected. For example, you own a funeral home and the remains of the deceased are misplaced or taken to the wrong location. |
Miscellaneous Professional Liability/Errors and Omissions Coverage Funeral Directors Professional Liability |
| Embalming fluids misuse During the embalming process at your funeral home, some fluid is spilled and goes down the drain. |
Limited Pollution Liability Coverage — Embalming Fluids This coverage is optional for funeral homes. |
| Wrongful termination lawsuit A former employee sues you for wrongful termination. |
Employment Practices Liability Coverage This provides coverage and support in the event of a lawsuit related to wrongful termination, sexual harassment or discrimination. This is typically an optional coverage. |
| Customer data loss or theft Customers' confidential personal and financial data that you maintain is lost or stolen. |
Data Compromise Coverage This optional coverage provides case management, legal support, credit monitoring and legally required notifications after customer data is affected. |
Explore auto coverages
| Auto risks | Allstate coverage |
|---|---|
| An employee causes an accident While performing work for you, your employee gets into an accident and causes injury or damage to another person or their property. You could be held liable. |
Liability Protection This coverage helps pay for someone else's medical bills and/or repairs to their vehicle, even if it's due to your employee's negligence. |
| Vehicle damage Damage to your vehicle, whether your driver was at fault or not, can result in unexpected repair bills. |
Collision Coverage This protection pays to repair damage or replace your car if it is a total loss. |
| Hail damage Hail can cause damage to your business vehicle, such as large dents and broken glass. |
Comprehensive Coverage This protection pays to repair hail damage to your business vehicle. This coverage may also help repair damage from other non-accident-related events, such as fire, theft or vandalism. |
| You are injured by an uninsured driver If you or your employee are in a collision with an uninsured driver and sustain serious injuries, your livelihood could be at risk. |
Uninsured Motorist Coverage This coverage helps pay for your medical bills if you are injured in an accident that is caused by a driver with no insurance. Or, you may have the protection you need, depending on your policy's bodily injury limit. (Coverage restrictions apply in some states, so be sure to talk to your agent.) |
| You owe money on a damaged vehicle If you still owe money on a loan or lease, you could be responsible for the cost of replacing the vehicle after an accident. |
Lease and Loan Gap Coverage This helps you pay off your car loan if your vehicle is totaled or stolen and the amount you owe is more than the car's depreciated value. This coverage comes standard in an Allstate Business Auto Insurance policy. |