Savings Tips

  • Most Iowa businesses could benefit from a risk-management strategy to reduce the risk of liability. One key component of risk management is professional liability insurance, which is designed to pay for legal costs or settlements if you're sued for errors and omissions in the provision of your professional services.
  • If you carry workers' comp insurance, it pays to estimate your employment projections accurately. The premiums you pay are based on your workforce projections, so if your calculations are way off, you'll spend more than you should.
  • In Iowa, most businesses with employees are required by law to carry workers' compensation insurance. If you don't, and one of your employees is hurt on the job, you could be liable for workers' compensation benefits or damages in a civil action.

Iowa Business Insurance

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Can't find your Industry?

Although many know Iowa as the "Food Capital of the World," business-savvy people know that there's a lot more going on in Iowa than agriculture. The state boasts a diverse and thriving economy that encompasses everything from manufacturing to financial services to biotechnology and green energy. 1 With a growing urban population, 2 3 and a lower unemployment rate than most of America, 4 Iowa is a great place to be in business. Whatever your line of work, it's wise to protect your business investment with appropriate business insurance. Whether you need general liability, professional liability, property or workers' compensation insurance, the Iowa insurance specialists at Business Insurance Now can answer your questions and get you covered, fast and affordably.

Weather the Storm in Iowa

Each spring, Iowans batten down the hatches to prepare for severe weather season. With an average of 50 days of thunderstorms and 37 tornadoes each year, 5 Iowa is a stormy place to set up shop. That's why so many Iowa-based businesses protect themselves with property and business interruption insurance. The Iowa insurance specialists at Business Insurance Now can help you determine how much coverage you need. Contact us for a free, no-obligation consultation.

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Let us help you find and bind any of the following coverages:

Business Liability Insurance Package Policy. Often referred to as a Business Owner Policy or "BOP," this General Liability package policy protects your company in the event a client is injured on your premises, or if you or one of your employees causes an injury or property damage at a client's location.

Professional Liability Insurance. Professional Liability or "Errors & Omissions" Insurance provides coverage in the event you are legally obligated to pay for economic damages to your client or a third party caused by your alleged negligent or improper advice -- or other errors or omissions in your work. This coverage is critical for professional services companies.

Workers' Compensation Insurance. Required in many states, Workers' Compensation Insurance provides medical and disability coverage for company employees in the event of a work-related illness or injury.

Employment Practices Liability Insurance. EPLI insurance provides the protection you need should one of your employees allege any number of employment practice violations. These violations include age, race or gender discrimination, wrongful termination and sexual harassment. EPLI is essential coverage in today's litigious workplace.

1. Iowa Department of Economic Development: Targeted Industries
2. Iowa Data Center: 2000 Census
3. Iowa Workforce Information Network: Population Trends: The Changing Face of Iowa
5. National Climatic Data Center (NCDC): Annual Number of Tornadoes 1953-2004