Primary Image
Business Insurance Coverage Options
FreeformContext
Commercial Vehicles – Business Insurance
Your Growing Business May Need More Coverage Than a Personal Auto Policy Provides
For specific questions or a Commercial Vehicle business insurance quote, call 1-888-322-3070 or find an Allstate agent near you.

The following coverage options are available on a business / commercial vehicle policy:

Additional InsuredLoading & Unloading
Audio Visual & Data Electronic EquipmentMedical Payments1
Bodily Injury LiabilityNon-Owned Auto
Collision CoverageProperty Damage Liability Coverage
Comprehensive CoverageRental Reimbursement
Drive Other CarUninsured Motorist Bodily Injury2
Hired AutoUninsured Motorist Property Damage

Additional Business Insurance Options:

Supplemental Coverage
Please see disclaimers below:

1  For sole proprietorships, this coverage may be extended to your family by including them on your policy.
2  For partnerships and corporations, this coverage extends to anyone occupying your covered vehicles.

*  All coverages and discounts are subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company; Allstate Indemnity, Northbrook, IL; Texas County Mutual, Irving, TX; Allstate New Jersey Insurance Company, Bridgewater, NJ. Other terms, conditions and exclusions may apply.

dotted rule
To help keep your vehicles safe and sound, you can choose from a number of Allstate coverage options — each with its own coverage limit. Following is a summary of the standard coverage available in an Allstate commercial vehicle policy:
Click here
Additional Insured*
Should you work for or lease vehicles from other entities, Additional Insured coverage may help provide liability protection you may require.
Return to Top
Click here
Audio, Visual and Data Electronic Equipment*
Audio, Visual and Data Electronic Equipment coverage typically helps provide protection for equipment that receives or transmits audio, visual or data signals and that is not designed solely for the reproduction of sound. Equipment must be permanently installed in the vehicle or removable from a housing unit that is permanently installed in the vehicle, using the vehicle's electrical system for power.
Return to Top
Click here
Bodily Injury Liability Coverage*
This coverage generally helps provide protection for damages you're legally obligated to pay because of injuries you cause to others in a covered accident as well as legal costs associated with defending claims and lawsuits against you or your company that could arise out of accidents for which you may be liable.
Return to Top
Click here
Collision Coverage*
Collision coverage generally helps pay for damage caused to your commercial vehicle resulting from a covered accident with another car, or a covered collision with most anything else (such as a tree).
Return to Top
Click here
Comprehensive Coverage*
This coverage option typically helps pay for damage to your commercial vehicles for covered losses not caused by collision or from the auto being overturned. This may include, among other things, fire, theft, hail, flood or vandalism.
Return to Top
Click here
Drive Other Car*
This coverage generally helps provide liability and physical damage coverage protection if you or your employees rent private passenger cars on a short-term basis, even when there's no personal auto liability policy in force.
Return to Top
Click here
Hired Auto*
Hired Auto coverage generally helps provide liability coverage for you, as the business owner, when you rent vehicles for use in your business on a short-term basis. For an added level of protection, you may also consider Hired Auto Physical Damage Coverage, which provides comprehensive and collision physical damage protection to the vehicles you rent on a short-term basis.
Return to Top
Click here
Loading and Unloading*
This coverage usually helps provide liability protection for damage resulting from the handling of property during the loading onto or unloading from your covered vehicle.
Return to Top
Click here
Medical Payments Coverage1*
If you or your employees require medical treatment as a result of a covered accident, then Medical Payments coverage generally helps provide reimbursement for reasonable and necessary medical care.
Return to Top
Click here
Non-Owned Auto*
Should your employees get into an auto accident involving their own vehicle while they are "on the clock," Non-Owned Auto coverage typically helps provide liability protection for your business for injuries or damages that are a result of that accident.
Return to Top
Click here
Property Damage Liability Coverage*
If you caused loss or destruction to the property of others in a covered accident, then Property Damage Liability coverage typically helps protect you from damages you're legally obligated to pay.
Return to Top
Click here
Rental Reimbursement*
If you have a covered comprehensive or collision loss as an insured person, this coverage typically helps reimburse you for the cost of renting vehicles, up to the dollar amount limit per day shown on your policy.
Return to Top
Click here
Uninsured Motorist Bodily Injury Coverage2*
Should an uninsured driver cause an accident, Uninsured Motorist Bodily Injury coverage typically helps provide protection for you or your employees in a covered accident. (Coverage will vary by state.)
Return to Top
Click here
Uninsured Motorist Property Damage Coverage*
If you or your employees are injured in a covered accident caused by an uninsured driver, the Uninsured Motorist Property Damage coverage typically helps provide protection for you. (Coverage will vary by state.)
Return to Top
Click here
Coverages & Supplemental Options for Businesses
AutoGeneral LiabilityPropertyWorkers Comp
LiabilityBodily Injury3Business Property Protection3Workers Comp3
Medical Payments1Property Damage3Tool and Equipment Protection3 
Uninsured Motorist Bodily2Personal Injury3Employee Dishonesty3 
CollisionAdvertising Injury3  
ComprehensiveUmbrella Excess  
Loading and Unloading   
Rental Reimbursement   
Non-Owned Auto   
Hired Auto   
Audio & Visual Equipment   
Drive Other Car   
Additional Insured   

Return to Top
Click here
Please see disclaimers below:

1  For sole proprietorships, this coverage may be extended to your family by including them on your policy.
2  For partnerships and corporations, this coverage extends to anyone occupying your covered vehicles.
3  These coverages are provided by one or more insurance carriers not owned by or affiliated with Allstate.

*  All coverages and discounts are subject to terms, conditions, and availability. Policy issuance is subject to qualifications. Allstate Insurance Company; Allstate Indemnity, Northbrook, IL; Texas County Mutual, Irving, TX; Allstate New Jersey Insurance Company, Bridgewater, NJ. Other terms, conditions and exclusions may apply.
Region188x171
Region188x111
REGION188XVAR