Small Business Insurance in Iowa

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844--9933 anytime.

Better, Regardless of Your Size

  • Discover your business insurance needs in Iowa the fast and easy way

    With our online assessment tool, you can discover your insurance needs in seconds. Find the coverage you need to stay compliant in Iowa and protect the business you've worked so hard to build.

  • Protect Your Iowa Business with Top Insurance Providers

    CoverWallet is well-known to business owners for combining outstanding value with an easy process to insure your business with top insurance providers. Our team of experienced representatives know the coverages you'll need to protect your business properly, ensuring your peace of mind.

  • Get Your Business Squared Away on Iowa Insurance Requirements

    Iowa requires that you have Workers' Compensation coverage for your employees. Whether you have 2 employees, 20 employees, or 200, we can help you be compliant not just on Workers' Compensation, but on any other coverage as well.

  • Iowa Insurance Plans Customized to Your Business and Your Budget

    Protecting your business doesn't have to be expensive. CoverWallet plans start for as low as $29 per month. Depending on the coverage your Iowa business needs and the coverage limits you choose, your customized insurance package provides only the insurance you want, without the unwanted add-ons.

Coverage Plans for All Your Needs

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.

BASIC

Essential coverage for your Iowa business

General Liability

From
29
Month
Instant quote »

Includes:

  • Bodily Injury
  • Damage to third party property
  • Personal Injury
Get BASIC plan

STANDARD

When you also have equipment or operate from an office

General Liability + Property (bundle them with a BOP)

From
39
Month
Instant quote »

All basic plan benefits and:

  • Lost business income
  • Loss or accidental damage to:
    • Business equipment
    • Valuable papers and records
Get STANDARD plan

PRO

When you also have at least one employee

General Liability + Property and Workers Compensation (WC)

From
39 *
Month

* Plus Workers Compensation

Instant quote »

All standard plan benefits and:

  • Coverage for work-related accidents and diseases and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery
    • Legal fees
Get PRO plan

CUSTOM

When you have specific requirements

Including Commercial Auto, Surety Bonds, Umbrella, etc

From
___
Month
Instant quote »
  • Choose your coverage

ALREADY INSURED?

We will take care of the switching hassle.

Call us at (646) 844--9933 for help and more information

We've Got You Covered with Coverage You Need

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

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.

Commercial Property

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.

Workers Compensation

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.

Commercial Auto

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.

Special Events Insurance

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.

Medical Malpractice

Medical Malpractice Insurance protects doctors and other medical professionals against liability lawsuits due to medical-related errors that result in patient injury or death. This coverage pays toward legal defense fees and court costs as well as settlement costs.

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844--9933 anytime.

Get protected easily with CoverWallet

Frequently Asked Questions

How much liability insurance is required in Iowa?

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.

What are the requirements to get an insurance quote in Iowa?

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.

How much does a Business Insurance cost in Iowa?

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.

Do I need Workers' Compensation coverage in Iowa?

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.

Peace of Mind, At Your Fingertips

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.

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Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

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John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

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Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

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Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

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Algorithms, Science, Magic!

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.

Customized, Intelligent Application

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.

State of the Art Technology

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.

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844--9933 anytime.

References for Small Businesses in Iowa

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:

SBA of Des Moines, Iowa

210 Walnut St Room 749 Des Moines, IA, Des Moines, Iowa, 50309
Mon through Fri from 8:00 AM to 4:30 PM
(515) 284-4422
Visit the website

Iowa Insurance Division

601 Locust St, Des Moines, Iowa, 50309
Mon through Fri from 8:00 AM to 4:30 PM
(515) 281-5705
Visit the website