Business Insurance in Iowa

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What are the requirements for small business insurance in Iowa?

State laws can affect which insurance policies you need for your small business. These policies are required for Iowa businesses.
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Workers' compensation insurance

Iowa state law requires businesses with one or more employees, full-time or part-time, to carry workers’ compensation insurance. Independent contractors are not considered employees. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

All business-owned vehicles in Iowa must be covered by commercial auto insurance. Iowa requires a minimum of $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $15,000 property damage liability per accident.

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

Recommended insurance policies for small businesses in Iowa

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How much does small business insurance cost?

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

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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Insureon specializes in Iowa business insurance

In Iowa, insurance agents, agencies, 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 Iowa Insurance Division Licensee Lookup.

What our customers are saying
"I was confused about what type of coverage I needed and Holly was extremely helpful. Way more helpful than I had experienced with other companies. I got the exact coverage I needed!"
Jessica Shannon
Customer since 2016
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