This policy is important for all Iowa businesses. It covers common risks, including customer injuries. Most commercial leases require this business liability insurance.
Also called errors and omissions insurance (E&O), this liability policy protects businesses that provide professional services and expert advice.
This policy helps Iowa businesses survive data breaches and cyberattacks by paying for client notification costs, legal fees, and other related expenses.
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.
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.
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.
State laws can affect which business insurance coverage you need. These policies are required everywhere in Iowa, from Des Moines to Davenport.
Workers' comp covers medical costs for work-related injuries and illnesses. It also provides disability benefits for injured Iowa workers.
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).
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.