Allstate Commercial Truck Insurance Review (2026)

Commercial Auto Basics (For Business-Owned Trucks and Vans)

Allstate markets standard business auto coverage for company vehicles used for work—liability, physical damage, medical/PIP, and UM/UIM where applicable. It’s aimed at small businesses operating cars, vans, pickups, and trucks for local and regional work.

Hired & Non-Owned Auto (HNOA)

If employees rent vehicles or use their personal autos on business, HNOA can extend liability protection to those trips. This helps close a common gap during seasonal peaks, ad-hoc deliveries, and job-site errands.

Cargo-Adjacent Coverage via Inland Marine

Commercial inland marine can insure products, materials, and equipment while transported on land, offering a practical path to cover goods in transit alongside your auto policy. Scope varies by state, so review sub-limits, deductibles, and exclusions—especially theft and refrigeration—before you accept shipper requirements.

Telematics (Ask Your Agent)

Allstate heavily promotes Drivewise on personal lines; some commercial programs for light/medium vehicles reference similar telematics features and potential discounts. Availability and credits are state- and program-specific, so confirm whether a business auto telematics option applies to your class of trucks.

Digital Claims + Agent Help

You can start and manage business insurance claims online and through the app, while still working with a local agent for coverage changes, certificates, and service. That blend is useful for small fleets that want digital convenience with hands-on support.

Pros

• Agent-Led Small-Business Focus: Easy to navigate for local delivery, trades, and service fleets that prefer guidance over DIY policy building.
• HNOA for Real-World Exposures: Covers liability when staff use rentals or personal vehicles on company errands—vital for spikes in demand and overflow runs.
• Practical Cargo Path: Inland marine offers a workable way to insure goods in transit alongside commercial auto when customers require it.
• Online Claims + Local Support: Digital claim intake and tracking paired with a large agent network keeps service responsive after a loss.

Cons

• Trucking Filings Not Advertised: Public materials don’t list BMC-91X/MCS-90 support, trailer interchange, or a named motor-truck-cargo package—verify before binding if you operate for-hire or interstate.
• Telematics Unclear for Trucks: Business telematics features and credits are program-specific, so don’t assume Drivewise-style discounts apply to commercial units.
• State Variability: Options, limits, and discounts differ by state and business class; you’ll need a state-specific quote and written fee schedule.

• Local/Regional Vocational Fleets: Contractors, delivery and service operators, and agricultural businesses running pickups, vans, box trucks, and small flatbeds that want standard commercial auto plus HNOA, with an inland-marine solution for goods in transit.
• Think Twice If You Need Filings: For for-hire carriers requiring BMC-91X/MCS-90 or trailer-interchange and a named motor-truck-cargo package, verify availability with an agent—or compare with carriers that openly market motor-carrier programs.

• Filings & Authorities: Ask whether Allstate in your state will issue BMC-91X, MCS-90, and any intrastate filings you need—plus the timeline to post them.
• Cargo Coverage Path: If using inland marine, confirm limits, theft or reefer exclusions, sub-limits, and deductibles in writing to satisfy shipper contracts.
• HNOA Details: Nail down when coverage applies (employee errands, rentals), who’s insured, and the limits/deductibles.
• Telematics Eligibility: Ask if a commercial telematics discount exists for your class of trucks and how renewal pricing can change based on data.
• Certificates & COIs: Confirm turnaround times and any fees for naming shippers or brokers as additional insureds.