Allstate supports research groups and other organizations that provide information that is used to shape public policy debate and inform consumers and businesses about key issues affecting insurance consumers. Our support is largely focused on improving safety on roads and in homes and combatting insurance fraud. In 2016, Allstate provided approximately $7.9 million to research organizations such as the National Insurance Crime Bureau and the Insurance Institute for Highway Safety (see the list of major organizations that Allstate supported in 2016 within this report). The Insurance Institute for Business and Home Safety envisions a world where the durability of homes and commercial buildings is a core societal value—greatly reducing human financial losses, as well as community disruptions, that result from natural and man-made disasters.
Allstate partners with advocacy organizations and other coalitions throughout the country to promote various public policy positions. In 2016, Allstate provided about $890,000 to coalitions, with $193,000 (22 percent) attributed to lobbying efforts.
Throughout our history, we have also endeavored to make roads safer. We were pioneers in the advocacy of mandatory seat belts and airbags in cars. Today, many of our employees and agencies devote significant time every day to promoting safer driving and work with community groups, parents, teen drivers, schools, and national organizations. Allstate provides significant human and financial resources to organizations that save lives, prevent injuries, and reduce losses caused by crashes on the nation’s highways. For example, Allstate supports the Advocates for Highway and Auto Safety, a champion in the effort to save the lives of drivers and passengers.
National and State Trade Associations
Allstate contributes to groups that advocate meaningful change for insurance consumers, nationally and in individual states. In 2016, Allstate provided almost $3.2 million to national trade associations, with approximately $1.3 million (40 percent) attributed to lobbying efforts and just under an additional $1.7 million to state trade associations, with approximately $340,000 (21 percent) attributed to lobbying efforts.
We are also working on building a better insurance regulatory system. The insurance industry currently operates under a different set of regulations in each of the 50 states and the District of Columbia. At the same time, the Federal Insurance Office and other federal agencies are becoming more actively involved in insurance regulatory matters. This patchwork system makes it difficult and expensive to develop innovative products for customers and for Allstate exclusive agencies to operate as efficiently as possible. We believe it is imperative to modernize and improve the regulatory system for insurance companies and consumers. The company therefore supports organizations working for reforms that will help ensure a healthy regulatory system with more uniformity and consistency.
Allstate also supports reforms to our civil justice system to keep pace with changes in technology and address lawsuit abuse. This advocacy includes changes for dealing with electronic document discovery, third party–financed litigation, and state-specific challenges. In addition, Allstate advocates for sound theories of civil recovery and supports a fair court system.
Allstate engages advocacy professionals to help promote public policy positions that affect our stakeholders and our ability to efficiently and effectively operate and compete in the marketplace. Allstate’s government relations team works with these advocacy professionals, along with the trade associations and other organizations described above, to help ensure that policymakers understand the company’s position on legislative and regulatory matters. Those matters cover a wide range of issues, including personal safety and security, property protection, civil justice reform, fraud prevention, and regulatory modernization.
The major organizations that Allstate supported in 2016 include:
- Advocates for Highway and Auto Safety
- Advocates for safe driving initiatives, including a commonsense approach to graduated driver licensing and ways to reduce distracted driving to protect those most important to us—our children.
- America’s Health Insurance Plans
- Advocates for public policies that expand access to affordable health care coverage to all Americans through a competitive marketplace that fosters choice, quality, and innovation.
- American Council of Life Insurers
- Represents more than 300 legal reserve life insurance and fraternal benefit society member companies operating in the United States.
- Association of National Advertisers
- Provides leadership that advances marketing excellence and shapes the future of the industry.
- Advocates for sustainability leadership. Works towards accelerating and expanding the adoption of sustainable business practices and solutions to build a healthy global economy.
- Certified Automotive Parts Association
- Improves the marketplace for consumers through certification and advocacy of quality replacement auto parts.
- Coalition Against Insurance Fraud
- An alliance speaking for consumers, insurance companies, government agencies and others that provides information, research, data, services and insight.
- Financial Services Roundtable
- Protects and promotes economic vitality and the integrity of its members and the U.S. financial system.
- Florida Chamber of Commerce
- Encourages a business-friendly climate that allows job creators to do what they do best—create private-sector jobs and contribute to Florida’s economy.
- Insurance Information Institute
- Improves public understanding of insurance—what it does and how it works. Recognized by media, governments, regulatory organizations, universities, and the public as a primary source of information and analysis concerning insurance.
- Insurance Institute for Business & Home Safety
- Strives to reduce the social and economic effects of natural disasters, with a unique, state-of-the-art, multi-risk applied research and training facility.
- Insurance Institute for Highway Safety
- Aims to improve motor vehicle safety through its premier research facility.
- Insurance Research Council
- An independent, nonprofit research organization that examines important public policy matters that affect insurers, customers, and the general public.
- National Insurance Crime Bureau
- Leads a united effort by insurers, law enforcement agencies, and representatives of the public to prevent and combat insurance fraud and crime through data analytics, investigations, training, legislative advocacy, and public awareness.
- New York Insurance Association
- Promotes an insurance market that is viable and strong in order to better serve the insuring public. Serves as a resource for the property and casualty insurance industry, public policymakers, the media, and the public.
- Personal Insurance Federation of California
- Keeps personal insurance affordable and available for California consumers through state government advocacy and political action.
- Quality Parts Coalition
- Develops and promotes legislative change to U.S. design patent law to preserve competition and to ensure the availability of quality, lower-cost alternative collision repair parts for consumers.
- Texas Coalition for Affordable Insurance Solutions
- Works towards a stable and competitive insurance marketplace to best serve the industry and the consumer.
- The Rand Corporation
- Conducts nonpartisan research dedicated to improving policy decision-making.
- U.S. Chamber of Commerce
- Represents the interests of more than 3 million businesses of all sizes, sectors, and regions, and advocates for pro-business policies that create jobs and grow our economy.