Coverage guide, Des Moines
Business
One business owner’s policy for property and liability, plus workers’ comp and commercial auto when needed.
Premium from
$45/mo
Carriers quoted
9
Policy term
12 months
Most small businesses start with a business owner’s policy, or BOP: property coverage for your space, equipment and inventory, general liability for injuries and damage you cause, and business income if a covered loss closes your doors.
Iowa requires workers’ compensation for nearly every employer. We quote it alongside the BOP, plus commercial auto for vehicles titled to the business and professional liability for advice-based work.
General liability limits of $1 million per occurrence are common
Business income coverage pays the bills while you rebuild
Certificates of insurance sent the same day for your clients
What it covers
Your building or improvements, equipment and inventory
Injuries and property damage you cause to others
Lost income after a covered loss
Employee injuries, under workers’ compensation
Common gaps
A BOP does not cover professional mistakes; that needs errors and omissions coverage
Vehicles owned by the business need commercial auto
Data breaches need a cyber policy or endorsement
Is this the right policy for you?
A 15-minute call tells you whether you need it, roughly what it costs and what to have ready. No obligation and no fee.
Coverage varies by carrier and policy form. Example premiums only, not a quote or an offer of coverage. Iowa license # 0000000 (demo).
Other policies worth a look.
12 months
Home
The house, your belongings and your liability. We match your roof and deductible to the carrier that wants it.
See the details
6 or 12 months
Auto
Liability for damage you cause, plus collision and comprehensive. Iowa’s 20/40/15 minimum is rarely enough.
See the details
10 to 30 years, or permanent
Life
Term life replaces your income for the years people depend on it, compared across several life carriers.
See the details