Business Insurance in Iowa

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Get small business insurance for your Iowa business

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Recommended insurance policies for small businesses in Iowa

General liability insurance icon

General liability insurance

This policy is important for all Iowa businesses. It covers common risks, including customer injuries. Most commercial leases require this business liability insurance.

BEST FOR
  • Customer bodily injuries
  • Damaged customer property
  • Libel and other advertising injuries
Professional liability insurance icon

Professional liability insurance

Also called errors and omissions insurance (E&O), this liability policy protects businesses that provide professional services and expert advice.

BEST FOR
  • Errors that cause a client to lose money
  • Professional negligence lawsuits
  • Late or incomplete work
Cyber liability insurance icon

Cyber liability insurance

This policy helps Iowa businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.

BEST FOR
  • Customer notification expenses
  • Fraud monitoring services
  • Data recovery
Business owner’s policy icon

Business owner’s policy

This insurance package bundles commercial property insurance and general liability coverage. It's often the most cost-effective type of commercial insurance for an Iowa business.

BEST FOR
  • Customer injuries
  • Damaged customer property
  • Damaged business property
Workers’ compensation insurance icon

Workers’ compensation insurance

Iowa requires workers' compensation for businesses that have one or more employees. It also protects sole proprietors from work injury costs that health insurance might deny.

BEST FOR
  • Employee medical expenses
  • Disability benefits
  • Legal fees from employee injuries
Commercial auto insurance icon

Commercial auto insurance

This policy is required for business-owned vehicles in Iowa. It covers injuries and property damage in an accident, along with vehicle theft, vandalism, and weather damage.

BEST FOR
  • Accidents involving business vehicles
  • Theft of a business vehicle
  • Damage to a company vehicle
Looking for different coverage? See more policies.

Iowa business insurance requirements

State laws can affect which business insurance coverage you need. These policies are required everywhere in Iowa, from Des Moines to Davenport.

Blue check mark

Workers' compensation insurance

The state of Iowa requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. Independent contractors are not considered employees.

Workers' comp covers medical costs for work-related injuries and illnesses. It also provides disability benefits for injured Iowa workers.

Blue check mark

Commercial auto insurance

All business-owned vehicles in Iowa must be covered by commercial auto insurance. This policy covers the cost of accidents involving work vehicles.

Iowa's minimum auto liability insurance requirements are:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

Trucking companies may need additional coverage to comply with regulations.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance (HNOA), as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy (BOP).

How much does small business insurance cost?

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Commercial insurance can be affordable for Iowa small business owners. Factors that influence the cost include:

  • Type of business and its risks
  • Business revenue and location
  • Number of employees
  • Types of insurance purchased
  • Coverage options, such as deductibles
View Small Business Insurance Costs
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Find the right policies and get your certificate of insurance

Insureon's licensed agents can help you find policies that fulfill Iowa's requirements and your business insurance needs. Once you've purchased insurance with us, you can download a certificate of insurance by logging into your account.

In Iowa, insurance agencies, agents, and brokers are licensed by the Iowa Insurance Division. Insureon is licensed in Iowa as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 1002051596). Verify our licensure with the National Association of Insurance Commissioners.

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