Corporate Responsibility

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.

Allstate is actively involved in public policy advocacy at the state and federal levels.

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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.

Board Oversight and Contribution Governance

Allstate maintains a rigorous oversight process for its advocacy efforts. In addition to complying with public disclosure laws at the state and national levels, we maintain internal guidelines and procedures that govern our public advocacy and political activities. With regard to corporate contributions to candidates, our General Counsel and the Senior Vice President for Government and Industry Relations determine the candidates and committees to which our support is offered. These contributions are subject to further oversight by the company’s Board of Directors.

Internal guidelines and procedures ensure that our public policy efforts remain consistent with the company’s operating priorities while advancing positions that promote the long-term interests of our shareholders, employees, agencies, and customers. Subject-matter experts and government relations professionals in the company are responsible for working with organizations and associations that the company supports. A team of dedicated public policy and legal professionals oversees and manages Allstate’s public policy engagement, and reports to senior management and the company’s Board of Directors.

Allstate’s use of corporate resources in the public policy arena is consistent with the company’s strategic vision of reinventing protection and retirement for the consumer, and is not based upon the personal views of any individual member of management or the Board of Directors. The specific deployment of corporate resources is presented formally to the Board each year and is always guided by the principle of what is best for the interests of our shareholders, employees, agencies, and customers.

Overview of Expenditures

Allstate supports candidates for public office, research associations, coalitions, industry trade associations, nonprofit organizations, and other groups to advance key priorities 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 2014, the company’s efforts in this arena utilized approximately $15 million in corporate funds, which represents .04 percent of revenues. In addition, for the same period, our employee-funded political action committees contributed approximately $262,820 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 five categories: research, coalitions, national trade associations, state trade associations, and corporate political contributions. This report describes each of these categories and the amount we spent in each category in 2014. We devoted nearly 50 percent of these corporate resources to the support of research, and approximately 85 percent of total company support was directed to tax-deductible, non-lobbying endeavors.

Allstate supports research groups, partners with advocacy organizations and contributes to groups that advocate meaningful change for insurance consumers.

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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 2014, Allstate provided approximately $7.3 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 2014 below). 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 the human financial losses, as well as the 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 2014, Allstate provided nearly $2 million to coalitions, with $181,000 (18%) 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, working with community groups, parents, teen drivers, schools, and national organizations. Allstate provides significant human and financial resources to organizations that help 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 teen drivers.

National and State Trade Associations

Allstate contributes to groups that advocate meaningful change for insurance consumers, nationally and in individual states. In 2014, Allstate provided almost $3.3 million to national trade associations, with approximately $1 million (31%) attributed to lobbying efforts, and just under $2 million to state trade associations, with approximately $386,000 (19%) 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 U.S. 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. Allstate supports business organizations that assist our 11,900 agency owners and exclusive financial representatives who operate small businesses located on Main Streets across the U.S. and Canada. 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 greater uniformity and consistency.

Allstate also supports reforms to our civil justice system to keep pace with changes in technology and to 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.

The major organizations that Allstate supported in 2014 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.

American Council of Life Insurers

Represents more than 300 legal reserve life insurance and fraternal benefit society member companies operating in the U.S.

Association of National Advertisers

Provides leadership that advances marketing excellence and shapes the future of the industry.


Advocates for sustainability leadership. Works toward 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 provide information, research, data, services, and insight.

Financial Services Forum

Pursues policies that encourage savings and investment; promotes an open and competitive global marketplace; and ensures that people everywhere have the opportunity to participate fully and productively in the 21st-century global economy.

Financial Services Roundtable

Protects and promotes economic vitality, and the integrity of its members and the U.S. financial system.

Florida Chamber of Commerce

Represents the interests of more than 139,000 members in Tallahassee and in Washington, D.C.

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.

Life Insurance Council of New York

Works to create and maintain a legislative, regulatory, and judicial environment that encourages its members to conduct and grow their life insurance businesses in New York State.

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, Inc.

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

Keeps personal insurance affordable and available for Florida 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.

Together Illinois

Advocates for measures that will improve the business environment and financial position in Illinois.

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.

Allstate contributes to state candidates for public office, political parties, political committees, and other entities.

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Corporate Contributions

Allstate contributed approximately $538,000, representing 3.5 percent of its total public policy expenditures of nearly $15 million dollars, to state candidates for public office, political parties, political committees, and other entities organized and operating under 26 U.S.C. Section 527.

ALLPAC and MIALLPAC Contributions

The Allstate Insurance Company Political Action Committee (ALLPAC) is a voluntary, nonpartisan political action committee (PAC) comprising eligible individual employees. Its 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 2014, ALLPAC had 310 members and contributed a total of $264,882, with an average contribution of approximately $878 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 2014, ALLPAC contributed a total of $245,320 to state and federal candidates for public office as well as political committees.

The Michigan Allstate Insurance Company Political Action Committee (MIALLPAC) is a Michigan-only PAC funded by eligible Allstate employees and abides by the same practices and procedures as ALLPAC. During 2014, MIALLPAC had 10 members who contributed a total of $7,423, with an average contribution of $742 per participant. MIALLPAC contributed a total of $17,500 to state candidates and political committees in 2014.

Grassroots Lobbying

Allstate leverages an intranet-based system, called Take Your Stand, 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 Take Your Stand activism and relationship identification is completely voluntary.