Protect the business you’ve worked hard to build
One lawsuit, fire or serious injury can threaten a business that took years to build. The right commercial insurance program protects your property, your income and your reputation, and satisfies the requirements of your landlord, lenders and clients.
We’ve helped Eastern Iowa businesses with their insurance for decades. As an independent agency we can compare several commercial carriers, and we take the time to learn how your business actually operates so there are no surprises at claim time.
Business coverage we write
General liability
Claims of bodily injury or property damage caused by your business or products.
Business owner’s policy (BOP)
Liability and property coverage packaged together for small and mid-sized businesses.
Commercial property
Your building, equipment, inventory and furnishings.
Commercial auto
Cars, trucks and vans owned or used by your business.
Workers’ compensation
Medical care and lost wages for employees hurt on the job.
Commercial umbrella
Extra liability limits above your other business policies.
Business income
Replaces lost income while you recover from a covered loss.
Bonds & professional liability
Contract and license bonds, and errors & omissions coverage for professionals.
Businesses we work with
Every business is different, but we regularly help:
- Contractors and trades
- Retail shops
- Restaurants
- Offices and professional services
- Property owners and landlords
- Service and repair businesses
- Non-profit organizations
- Growing family businesses
A partner, not just a policy
Your coverage should change as your business does. We review your program at renewal, help with certificates of insurance and contract requirements, and advocate for you when a claim happens. When you call, you’ll talk to someone local who knows your account.
Business owners: don’t forget the personal side. Your home, auto and life insurance can be reviewed at the same time, and life insurance can fund buy-sell agreements and protect against the loss of a key person.
Business insurance questions
What insurance does a small business need?
Most businesses start with general liability and property coverage, often combined in a business owner’s policy (BOP). If you have employees you’ll likely need workers’ compensation, and if your business owns or uses vehicles you’ll need commercial auto. From there it depends on your industry, contracts and risks.
Is workers’ compensation required in Iowa?
Iowa requires most employers to carry workers’ compensation insurance for their employees. There are limited exceptions, so talk with us about your specific situation.
Does my personal auto policy cover my work vehicle?
Often it doesn’t. Personal auto policies typically exclude vehicles owned by a business or used primarily for business purposes. A commercial auto policy closes that gap.
My client is asking for a certificate of insurance. Can you help?
Yes. Certificates of insurance and additional-insured requests are routine. Call or email our office with the details and we’ll take care of it.