Ayuda a proteger tu negocio de contabilidad
Ya sea que estés contratado para realizar servicios de auditoría, impuestos u otros servicios contables, atiendes a tus clientes lo mejor que puedas. Una póliza de seguro de negocio de Allstate puede ayudarte a proteger el negocio del que dependen tus clientes.
Explora coberturas para servicios contables
Las siguientes coberturas pueden estar disponibles para tu negocio. Para conocer más sobre qué coberturas están disponibles en una póliza de seguro de negocio de Allstate, también puedes ponerte en contacto con un agente local.
Explore property coverages
| Property risks | Allstate 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. |
| 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. |
| 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 Extra Expense |
| 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 helps with loss of income and fixed expenses, such as rent or payroll, while your business is temporarily closed for repairs after a covered loss. This coverage provides your business with up to 12 months of coverage. |
| 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. |
| 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. |
Descarga nuestra guía de conversación con agentes
Como dueños de negocios, los agentes de Allstate tienen una comprensión única de las necesidades y preguntas que puedas tener al seleccionar un plan de seguros. Para ayudar a prepararte para una conversación con tu agente, hemos compilado una guía útil de discusión .