Starting a business in Iowa opens the door to risks. You need insurance designed for your industry and business size. We customize plans for more than 20 industries. Pick coverage below to start a quote today.
Essential coverage for your Iowa business
When you also have at least one employee
* Plus Workers Compensation
All standard plan benefits and:
Whether you’re looking to satisfy Iowa requirements with workers comp and disability insurance or know insurance is the only way to protect your finances, we’ve got you covered.
General Liability Insurance can help protect your Iowa business against lawsuits and liability due to bodily injury, personal injury, or damage to the property of others. It does not cover liability caused by vehicles, which requires a separate Commercial Auto Insurance policy.
Protect your business, both your building and its contents, against damage from storms, fire, lightning, water damage, vandalism, and other coverered perils. In addition to protecting your business against losses, this coverage is often required by lenders.
Iowa law requires most employers to have Workers Compensation coverage. Workers' Compensation covers medical expenses due to job-related injuries or illnesses. In addition to providing coverage for medical expenses, Workers' Compensation also provides wage replacement for injured workers.
Iowa law requires that vehicles used in business carry bodily injury and property damage liability coverage as part of a Commercial Auto Insurance policy. Collision and comprehensive coverage can be added to the policy, providing protection for damage to your vehicles as well.
Hosting a special event? Be sure your Iowa business is protected against risks your standard business insurance might not cover. Special Events Insurance gives you peace of mind knowing that your business is protected when hosting live performances, keynotes, or other types of events.
Business liability insurance is always a wise purchase but isn't required by law in Iowa. If your business operates vehicles, the minimum Commercial auto liability coverage is $20,000 bodily injury per person, $40,000 bodily injury for all persons, and $15,000 for property damage liability.
TTo insure your business in Iowa, insurers need documentation relevant to the type of insurance you are purchasing. Commercial auto insurance will require information on your vehicles. Workers' compensation coverage will require proof of sales revenue.
The price of the insurance in Iowa depends on several criteria. Most insurance companies will review your experience, loss history, safety policy and financial capability before they can quote a price for your premiums.
The Workers' Compensation law in Iowa requires most employers to have this type of insurance coverage, although there are a few exceptions. Employers who violate Iowa's mandatory insurance law can face stiff penalties, placing their business at risk.
CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.
You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.
We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.
We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.
Being a small business presents several challenges that may need more assistance. While CoverWallet provides you the best insurance, you can also consider these references to further support your small business:
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