A few minutes can save you up to 65% or more with
Iowa's top-rated contractors' insurance programs –
Contractors
Insurance
Iowa
Iowa
Contractors Insurance
Stop overpaying for coverage in the Hawkeye State!
A few minutes can save you up to 65% or more with Iowa’s top-rated contractors’ insurance programs –
Coverage for Iowa Contractors
As the nation’s leading source of affordable Contractors' Insurance, our Iowa construction specialty programs offer the highest level of protection with fiercely competitive rates for maximum savings –
What is Iowa Contractors’ Insurance?
Iowa Contractors’ Insurance protects construction business owners from financial risks at every stage of their operations. It helps builders, subcontractors, and trade specialists recover from unexpected property damage or legal claims, ensuring long-term business continuity.
Why Do I Need It?
In the contracting industry, risk is a constant companion. From Mason City to Des Moines, Sioux City to Cedar Rapids, construction, in particular, is one of Iowa’s most hazardous professions, with workplace incidents being a significant cause of occupational injury and illness. The use of dangerous tools and heavy machinery presents a continuous threat of bodily injury and property damage. Common hazards include falls, electric shocks, being struck by objects, and equipment mishaps, all of which can lead to substantial liability concerns. In light of these high-risk factors, the importance of proactive protection cannot be overstated.
A robust contractors’ insurance package is not just a safety net, it’s a shield that ensures your business is safeguarded against unexpected claims at any time. Without it, the financial burden of workplace incidents and liabilities could be devastating.
Protect Against the Unpredictable
Construction companies intending to operate in Iowa are strongly encouraged to consult the Iowa Workforce Development to familiarize themselves with relevant rules, regulations, required documentation, and initial fees.
Our commercial insurance pros are ready to help Iowa contractors of all trades and sizes find budget-friendly, customized policies to protect against employee or third-party claims.
Our Recommended Products
General Liability
General Liability
Iowa contractors’ general liability is a critical risk management tool for protecting contractors against the risks of daily business operations.
Iowa contractor general liability insurance protects the financial interests of business owners facing potential claims due to business products, services, or operations.
Iowa contractors’ general liability insurance protects contractors and project owners against potential liability caused by personal injury or property damage to a third person.
An Iowa contractors’ general liability policy provides coverage for:
- Bodily Injury Liability
- Property Damage Liability
- Products and Completed Operations
- Liability Assumed Under a Contract
- Damage to Rented Premises
- Defense Costs
- And Additional Protection
Workers' Comp
Workers' Comp
Iowa contractors’ workers’ compensation benefits employees with work-related injuries or illnesses.
An Iowa contractors’ workers’ comp policy provides coverage for:
- Medical Expenses
- Lost Wages
- Ongoing care
Please visit the Iowa Work Force Development to verify Iowa contractors’ workers’ compensation laws and regulations.
Surety Bonds
Surety Bonds
Iowa contractors’ surety bond is a protection product for the state and public consumers against contractors who violate state laws and regulations.
Various cities, counties, and jurisdictions require an Iowa contractor license bond to obtain a license.
Many project owners and government organizations require an Iowa contractors’ surety bond to bid on a project.
The Iowa contractor surety bond guarantees a client that the agreed terms outlined in a bid are complete.
Commercial Auto
Commercial Auto
Iowa contractors’ commercial auto insurance protects business organizations from the financial loss of damaged vehicles and injured occupants of an accident or company vehicles damaged by vandalism or theft.
Iowa contractor commercial auto coverage compensates third parties for their injuries or property damage caused by an insured driver of an at-fault accident.
An Iowa contractors’ commercial auto policy provides coverage for:
- Bodily Injury
- Property Damage
- Comprehensive Damage
- Collision Damage
- Uninsured Motorist
- Underinsured Motorist
- Hired Auto
- Non-Owned Auto
- Medical Payments
- And More
An Iowa contractor commercial auto policy provides coverages not available with a personal auto policy.
Inland Marine
Inland Marine
Iowa contractor inland marine insurance will repair, replace, or reimburse lost or damaged tools, materials, products, and equipment on a job site, transported, or off-site storage.
Iowa contractors’ tools and equipment coverage will protect against such common perils:
- Wind
- Hail
- Fire
- Water
Iowa contractors’ inland marine insurance will cover “installation” risks and damaged rented or leased equipment.
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