Allstate Review

Wednesday, March 26th

2025 Business Insurance Provider Reviews

Allstate

• Over 9 decades of presence in the insurance industry
• Commercial automobile coverage available
• Online quotes are available upon furnishing accurate business information
• informative website
• Customized business owner plans tailored to specific industries

As a renowned name in the insurance world, Allstate claims that it aims to keep your business "in good hands” with policies that cater to your company's specific needs. With Allstate business insurance quoting, you can get coverage for a variety of industries and professions, including artisan/specialty contractors, carpenters, plumbers, electricians, landscapers, realtors, doctors and dentists, lawyers, florists, and more. Their website displays educational content, offering adequate explanations of various business insurance coverage types, claim filing procedures, and an array of other topics that might prove beneficial to small business owners, especially if they are not informed about business insurance.

Can combine regular business coverage with commercial auto

To find out about available coverage for your business, you can click on "Get a quote". Unlike other business insurance companies, because Allstate already has a strong market presence in automobile insurance, you can also obtain commercial auto insurance. This was the first option presented to us after clicking "Get a quote”, but we had to access an obscure text link to continue to just business insurance instead of auto.

Quote process can be aggravating

To produce a business insurance quote, the Allstate Business Insurance website will require several pieces of information: your industry, the type of coverage you require (BOP, business umbrella, workers' compensation, transported tools and equipment, commercial auto, or professional liability, revenue). However, we had some trouble with our business scenario of narrowing down our selection specifically to "Web Designer”. The closest we could get to it was "All other professional services”. When we arrived at that page, we were told that Allstate was unable to complete our quote without an agency getting involved. And, some business insurance products are not Allstate insurance policies. We felt forced to choose a different profession in "Graphic Design” to arrive at where we could get a quote. At one time in our attempts to narrow down the profession, the website broke and we couldn't go back to prior selections, so we had to start over. A simple search bar to try to narrow down the profession would have been more helpful.

You may be redirected to a local agent

Once we found a suitable business category, we proceeded to attempt to get a quote. However, Allstate could not complete the quote in our chosen U.S. state and referred us to a toll-free number to contact a local agent. We also had the option of clicking a "Continue” button which, confusingly, took us to another domain name. On that site, we could search for the exact name of the profession and get closer to Web Development and we could enter most of the information. Still, we became stuck when asked about the construction type of the office location, which assumed that the business location was limited to a commercial building, not a home-based business. We chose a type of building that was close enough to the home construction in our scenario and completed the quote process.

Quotes may come from other insurers

In about 90 seconds, the site had calculated an annual premium of only $596.47 for a home-based, sole-proprietorship web design business. That included a $1,000,000 general liability occurrence limit and a $2,000,000 general liability aggregate with a property deductible of $250. The insurance was to be underwritten not by Allstate but by The Hartford, which made us wonder if we should have gone to The Hartford first.

Policies can be customized to your exact business needs

Despite those frustrations, one of the advantages of buying business coverage through Allstate is the opportunity to get a tailored policy. For instance, your bakery might need a Business Owner's Plan that bundles property insurance, liability insurance in case a customer sustains an injury on-site, business interruption coverage to recoup lost income and expenses during a covered claim, and equipment breakdown coverage in the event of a power surge damaging your ovens, mixers, and other appliances.

Agent contact may be required for add-on coverage

Allstate provides various add-ons that you may wish to contemplate for your policy. While basic business insurance policies are typically quotable through their online tool, you may need to chat with an agent to add these riders to your coverage. Unfortunately, unlike when we reviewed Allstate before, you won't find the "Find an agent" button conveniently located below the "Get a quote" button across the Allstate site.

No love from the insured

Allstate, in the past, has enjoyed an impeccable reputation, underscored by its once "A+" rating from the BBB and more than 80 years in the industry. However, this time around we found that their rating was changed to "Not Rated” and Allstate had a sizable number of more recent complaints putting them at a 1.1 star rating. Additionally, their Trustpilot score is now made up of a staggering 92% 1- and 2-star ratings. Only 6% of customers give them a 5-star rating. We found this unacceptable for such a well-known brand in the insurance industry.

Not recommended for business insurance

For all of these reasons, we cannot recommend Allstate for business insurance. The quote process was a hassle, we had a hard time getting a quote that was a fit for the business scenario we used across insurers, and the higher-ranked companies on our list had no trouble getting us coverage we could afford. Even if you feel some kind of loyalty to Allstate as a whole, you should look at your options before even trying for a quote here.