Allstate is actively involved in public policy advocacy at the state and federal levels. Extensive state-based regulation of insurance, the importance of a fair court system to our customers, and the priority we place on personal safety and property protection combine to compel Allstate to seek to shape sound public policy. By participating in the development of good public policy and offering ideas and resources in this arena, we help our customers protect themselves from life’s uncertainties and prepare for the future.

Board Oversight and Contribution Governance

Allstate maintains a rigorous oversight process for its advocacy efforts. Subject matter experts and government relations professionals in the company are responsible for working with organizations and associations that the company supports. Proposals related to the company’s financial involvement in public policy matters and individual candidate contributions are approved by senior leaders. The independent nominating and governance committee reviews Allstate’s priorities and expenditures semi-annually, in addition to an annual review by the Board. Direct corporate political contributions are made as permitted under federal, state, and local laws to help elect candidates whose views and positions are consistent with Allstate’s advocacy priorities. Contributions are not based on the personal views of any individual member of management or the Board.

In 2018, Allstate’s chief risk officer conducted an annual risk and return assessment of Allstate’s political activities to ensure appropriate oversight and management of Allstate’s political activities. He concluded that the risk of not participating in the political process was greater than the risk of participating and could result in unfavorable policies and legislation adverse to business outcomes, which would negatively impact Allstate’s strategic position and business model. The chief risk officer concluded that Allstate’s control framework appropriately manages the risks in Allstate’s political activities and that sufficient governance and oversight processes exist to ensure activities are aligned with Allstate’s risk and return principles.

Support of Public Policy Initiatives

Metric 2018
Employee Support $351,375
Company Support $15,998,142

Overview of Expenditures

Allstate supports candidates for public office, research associations, social welfare groups, industry trade associations, nonprofit organizations, advocacy professionals, and other groups to advance key priorities.  The priorities include topics such as ensuring a healthy regulatory system, promoting fiscal responsibility, fostering market innovation, and promoting safety and security (such as teen safe driving and natural catastrophe management). We may not agree with every position taken by a specific organization, candidate, or committee.

In 2018, the company’s efforts in this arena utilized approximately $16 million in corporate funds, which represents 0.04% of revenues. In addition, for the same period, our employee-funded political action committee contributed approximately $351,375 to a wide variety of political organizations and candidates.

As part of our public policy efforts, the company supports various organizations, including those that may engage in lobbying activities, and contributes to candidates and political committees. Our resources are allocated among the following categories: research, social welfare groups, national trade associations, state trade associations, advocacy professionals, and corporate political contributions. This report describes each of the categories and the amount we spend in each category. We devote nearly 23% of these corporate resources toward research. Approximately 76% of the total company support was directed to tax deductible, non-lobbying endeavors.

Metric 2018
Social Welfare Groups $480,754
Advocacy Professionals $2,573,192
Political Contributions $740,300
Research $3,594,948
National Trade Associations $6,754,125
State Trade Associations $1,854,823

2018 Deductible Expenses and Non-Deductible (Lobbying/Political Contribution) Expenses

Metric 2018
Deductible $12,200,993
Non-Deductible $3,797,149

Organizations and Initiatives We Support


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 2018, Allstate provided nearly $3.6 million to research organizations such as the Insurance Institute for Business and Home Safety, the Insurance Institute for Highway Safety, and the Insurance Research Council (see the list of major organizations that Allstate supported in 2018 within this report).

Social Welfare Groups

Allstate partners with advocacy organizations and other social welfare groups throughout the country to promote various public policy positions. In 2018, Allstate provided about $481,000 to such organizations, with $128,000 (27%) 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 promote safer driving, working 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 2018, Allstate provided almost $6.75 million to national trade associations, with approximately $722,000 (11%) attributed to lobbying efforts and approximately $1.85 million to state trade associations, with approximately $475,000 (26%) 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.

Advocacy Professionals

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.

In 2018, Allstate spent approximately $2.6 million on external professionals to advocate on behalf of the insurance industry, the company, our agency owners, customers and the public.

The major organizations that Allstate supported in 2018 include:

  • Advocates for Highway and Auto Safety:  Advocates for safe driving initiatives, including a common-sense approach to graduated driver licensing and ways to reduce distracted driving to protect those most important to us—our children.
  • Association of National Advertisers:  Provides leadership that advances marketing excellence and shapes the future of the industry.
  • CERES:  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.
  • Civil Justice Reform Group:  Works to advance civil justice and legal reforms at the local, state and national levels.
  • Coalition Against Insurance Fraud:  An alliance speaking for consumers, insurance companies, government agencies and others that provides information, research, data, services and insight.
  • 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 Council of New Jersey: A non-profit, insurance research, information and advocacy organization representing 19 New Jersey licensed property and casualty insurance companies.
  • 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.
  • Medical Advocacy Recovery Coalition:  Supports commonsense reforms to enhance efficiencies in the current Medicare Secondary Payer policy.
  • 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.
  • Personal Insurance Federation of Florida: Serves as a leading voice for the personal lines property and casualty insurance industry in Florida.
  • Property Loss Research Bureau: Promotes the interests of the property and casualty insurance industry, generally in matters related to claim adjusting; and provides research and analysis of claim coverage issues.
  • 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 three million businesses of all sizes, sectors, and regions, and advocates for pro-business policies that create jobs and grow our economy.

Contributions to Candidates and Committees

Corporate Contributions

Allstate contributed a little more than $740,000, representing 4.6% of its total public policy expenditures of approximately $16 million to state candidates for public office, political parties, political committees, and other entities organized and operating under 26 U.S.C. Section 527.

ALLPAC Contributions

The Allstate Insurance Company Political Action Committee (ALLPAC) is a voluntary, nonpartisan political action committee (PAC) comprising eligible individual employees. These personal contributions support candidates for federal and state office who support the competitive marketplace and understand and bring attention to the issues of importance to our industry generally and the Allstate group of companies specifically. In 2018, ALLPAC had 624 members, contributing a total of $416,037, with an average contribution of approximately $667 per participant.

ALLPAC contributions to candidates are governed by a board of directors composed of company employees. Candidates receiving PAC contributions must demonstrate one or all of the following: a commitment to free enterprise and a competitive marketplace, sound judgment on issues of concern to our industry, a supportive voting record, and viability as a candidate.  During 2018, ALLPAC contributed a total of $351,375 to state and federal candidates for public office as well as political committees.

Grassroots Lobbying

Allstate leverages an intranet-based system, called Advocate for Good, as a means to engage interested agency owners and employees through grassroots activism on important public policy initiatives. Through the company’s grassroots platform, Allstate agency owners and employees can communicate directly with elected federal and state officials on public policy matters that are important to Allstate and our customers. Participation in Advocate for Good activism and relationship identification is completely voluntary.