Allstate Business Insurance Review 2023: Pros, Cons, Coverage Options

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Allstate business insurance
Allstate business insurance: Pros and cons
Pros | Cons |
Commercial auto insurance available for a range of vehicles (e.g., vans, trucks, cars) across different industries. | Business insurance coverage is subject to state availability; qualifications may vary by state. |
Customizable business owner’s policies available with add-ons such as equipment breakdown, data breach coverage and home-based business coverage. | Have to file a claim over the phone. |
Wide network of agents across the country available to help you get the right insurance for your business. | Can’t just purchase a general liability policy. |
Option to get a quote online; ability to manage your policy online or by using the Allstate mobile app. | |
Discounts may be available when you bundle your commercial auto insurance and BOP. |
Allstate small-business insurance: Types of coverage
- Commercial auto insurance.
- Flood insurance.
- Umbrella insurance.
- Business owner’s policy.
- General liability insurance.
- Commercial property insurance.
- Business interruption insurance.
- Equipment breakdown coverage.
- Outdoor signs coverage.
- Data compromise and identity theft protection.
- Employee dishonesty insurance.
- Home-based business coverage.
- Cyberattacks coverage.
- Shield endorsements.
Allstate commercial auto insurance
- SUVs.
- Pickup trucks.
- Private passenger cars.
- Utility vans.
- Refrigerated box trucks.
- Stake bed trucks.
- Box trucks.
- Utility-bed pickup trucks.
- Glass trucks.
Allstate business owner’s policy
- Data compromise coverage.
- Products and completed operations coverage.
- Employee dishonesty coverage.
- Money and securities coverage.
- Computer fraud and funds transfer fraud coverage.
- Spoilage coverage.
Allstate customer service
Allstate business insurance cost
Other Allstate insurance reviews
Article sources
Methodology
Business insurance ratings methodology
NerdWallet’s business insurance ratings reward companies that offer small-business owners reliability and ease of use. Ratings are based on weighted averages of scores in several categories, including financial strength, customer complaint data, shopping experience and customer service. Learn more about how we rate small-business insurance companies.
These ratings are a guide, but insurance policy details and prices can vary widely from business to business and provider to provider. We encourage you to shop around and compare several insurance quotes.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.
Insurer complaints methodology
NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2018-2021.
To assess how insurers compare to one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period.
Our star ratings consider ratios for both general liability insurance and commercial property insurance. When an insurer sells policies that are underwritten by several different insurance companies, we consider the NAIC complaint ratios of all the underwriters.