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The Allstate Corporation
DETAILING BUSINESS AUTO
Not unlike a typical business day, auto insurance can get complex. So let us be of help.
We’ve broken down our coverages — and what’s included for your business — feature
by feature. There is a lot of important detail to consider, so be sure to contact an agent
with any questions, and we’ll be happy to clarify.
Our standard auto policy includes:
Commercial auto liability coverage - Provides protection for amounts you are legally
obligated to pay to others for injuries or damage to property from a covered accident.
Medical payments coverage - Provides payment for reasonable and necessary medical
treatments you or your employees incur as a result of a covered accident.
Uninsured motorist coverage - Provides protection if you or your employees are
injured in a covered accident caused by a negligent uninsured driver.
Collision coverage - Pays for damage to your commercial vehicle resulting from a
covered accident with another car or a covered collision with most anything else (such
as a tree).
Comprehensive coverage - Pays for damage to your commercial vehicles for covered
losses not caused by collision or from the auto being overturned.
Loading and unloading coverage - Pays liability protection for damages resulting from
the handling of property during the loading onto or unloading from covered vehicles.
BUSINESS AUTO ENHANCEMENT
As part of our business-friendly thinking, our standard commercial auto coverage
includes the Business Auto Enhancement Endorsement. The Enhancement is available
in most states and provides broadened coverage at no additional premium. Features
include:
Broadened “Who Is An Insured” provision. Subsidiary companies you own or acquire
will be insured for Liability coverage.
Blanket additional insured protection. Any person or organization your company adds
to your Business Auto Policy as an "additional insured" will be insured under Liability
coverage, for work that your company performs for them.
Supplementary payments enhancements. Supplementary Payments under Liability
coverage are increased. Cost of bail bonds increases from $2,000 to $5,000. Loss
adjustment expenses incurred by the insured goes from $250 to $500 a day.
Fellow employee coverage. Standard Business Auto Policy Liability coverage excludes
injuries caused by one employee to another. This helps provide protection from claims
if the employee who caused the injury is a manager/supervisor or higher.
Collison coverage waiver of deductible. If an accident happens between your vehicle
and another vehicle insured by Allstate, your physical damage deductible will be
waived.
Temporary substitute and leased vehicles. If you have Physical Damage coverage, all
passenger vehicles and trucks with a gross vehicle weight of 20,000 pounds or less
serving as temporary substitute vehicles are covered under the policy. Passenger
vehicles and trucks weighing 10,000 pounds or less, and rented for 30 days or fewer,
are also covered.
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Lease and loan gap coverage. In the event of a covered total loss, this feature
provides coverage for the difference between the loss settlement value of the vehicle
and what you may still owe on a loan or lease.
Glass repair deductible. This feature ensures that no deductible applies to covered
glass damage you choose to repair instead of replacing.
Personal effects coverage. If Comprehensive coverage or Specified Causes of Loss
coverage applies, your coverage includes up to $500 for loss of personal effects
inside your vehicle in the event of a covered vehicle theft.
Knowledge or notice of an accident or loss. This feature concerns the Loss
Reporting Requirement under the policy. Basically the insured is not considered to
have knowledge of an accident until it is received by a person in the position of
manager or above.
Unintentional errors or omissions. Any unintentional errors made in information
about claims won’t adversely impact your settlement.
Blanket waiver of subrogation. If the insured has agreed in writing to waive
subrogation against another entity, the waiver is upheld by
the policy.
MORE PROTECTION MEANS MORE VALUE
Of course, complete coverage means more than auto. Consider some additional
coverages that offer peace of mind and better value to business.
Protect equipment in transit. Inland Marine coverage gives you affordable
protection for equipment, tools and merchandise in transit, in the vehicle or at the
job.
Protect overall business. Your business faces the possibility of disasters big and
small. These include property damage, general liability, data compromise, loss of
income, equipment breakdown and more. Cover yourself from all angles.
Protect against lawsuits. By providing substantial liability limits over and above
other policies, a business umbrella policy can carry protection from a lawsuit or
other catastrophic claim. Protect your assets!
Pay your way. Several pay options put the customer in control. Whether it’s
Allstate’s Easy Pay plan, cash, check, eCheck or a one-time credit card payment,
we’ll make it easier and more flexible for you.
If any of this information can be made clearer, please be sure to reach out to an
Allstate agent.
*These are general descriptions. Restrictions and limitations apply to actual policy language. Business
Auto Enhancement Endorsement not available in California. Lease and Loan Gap coverage, Fellow
Employee coverage, Blanket Additional Insured coverage, and Liability coverage for Subsidiary and Newly
Acquired organizations not available in Virginia. Lease and Loan Gap coverage not available in New York.
Coverages may vary in other ways by state.
