Allstate Small Business Insurance Review in 2023
Allstate is an insurance company in North America that offers a wide range of services, including business insurance. It offers business insurance like general liability insurance, professional liability insurance, business owner’s policies, commercial property insurance, commercial auto insurance, and employment practices liability insurance. The company also focuses on custom protection for business owners based on their industry, such as legal services or dentistry.
Allstate offers a wide range of the most common types of business insurance. The company has products like liability insurance and property insurance for people who just want basic coverage. A business owner’s policy is easy to use because it covers both property and liability. This could be helpful for home-based businesses and other small businesses.
Allstate business insurance doesn’t seem to offer products like workers’ compensation or cyber insurance like most of the other companies we looked at. It may also not carry some of the more specialized business insurance products, like short-term liability or medical malpractice. If you want more specialized items like these, you might have to look somewhere else.
The company is also easy to find and widely available in the United States, with services in every state and Washington, D.C. When you look at the agent map, you can see that there are a lot of agents in big cities all over the country. But some of its online services aren’t as good as they could be. One example is that policyholders can’t file claims online.
You can get a quote online, though. There is also a phone number and an email address you can use to get in touch with the company if you have any questions.
Allstate offers a wide range of common types of business insurance, such as general liability coverage and commercial auto insurance. But it might not offer some of the more specialized insurance options that other big insurers do, such as worker’s compensation insurance. The company is a good choice for people who want to work with a local agent and like getting insurance in person.
How much does Allstate’s small business insurance cost?
Business insurance premiums can be different depending on a number of things. What you do for a living is one of the most direct things that can change your premiums. For example, if you work in a field that needs more than one type of policy, your premiums will probably be higher than those of a small business that only needs one or two types of policies.
Your deductible and the amount of coverage you choose will also have a direct effect on your premiums. If your business works for very large clients who could lose a lot if something goes wrong, the coverage limits would also need to be higher. The premiums for a policy with coverage limits of $500,000 will be less than those for a policy with coverage limits of $2 million.
Where can I get Allstate?
How do I get Allstate to cover my small business?
1. Use the online quote tool to get started.
Allstate makes it easy to get a quote online. This can help you figure out if you can afford it and if it’s something you’re interested in.
2. Have information about your business handy.
Follow the steps in the process of getting a quote. You will need to gather information about your business, such as the name of your business (including your company’s legal name or any other names used), the VINs of your business vehicles, and information about your driver’s license.
3. If you have questions, call the company directly.
If you have questions, you can call the company at an 800 number or send them an email from the top of the page.
4. Talk to an agent from Allstate.
Allstate is run by local agents, but you can also reach the company by calling its toll-free number (800) or sending an email. An Allstate agent can talk to you about the products you might need and go over things like premiums and deductibles. You can also find out how different products can work together to give your type of business the most complete coverage possible.
There are agent offices all over the country, and some cities have as many as a dozen of them. Your Allstate agent will take care of your policy and help you with making payments and filing claims.
What types of insurance does Allstate offer for small businesses?
Allstate has a lot of the common kinds of business insurance that most business owners need. But make sure to talk to an agent to get the most complete list of what’s available in your area.
Business Owners Policy (BOP)
Most of the time, these types of plans include both property coverage and liability coverage, but they may also include other types of coverage. This type of policy gives you all of these options for coverage for one easy price.
Commercial property insurance is a policy that covers the buildings and land that your business owns and uses. For example, a restaurant owner might have property insurance to cover any buildings they own. If a covered peril, such as a fire, happens on the property, the business owner is covered for the damage.