Iowa Business Insurance

Please enter a valid zip code.

Retrieve a quote

Speak with a licensed insurance agent: 1-866-283-7545

Call a licensed agent

Monday – Friday, 7am – 10pm ET M–F, 7a –10p ET

Iowa Small Business Insurance

As small business insurance specialists we understand that every business is different, which is why we don’t offer one-size-fits-all solution. We customize our small business insurance in Iowa to the specific risks you face, ensuring you get the right coverage at the right price. Hiscox small business insurance products include:

General Liability Insurance for Iowa

General liability insurance, known as Commercial General Liability (CGL), protects your business from another person or business’s claims of bodily injury, associated medical costs, and damage to property. Some examples of what could be covered are below:

  • Bodily injury: The client of a massage therapist falls while getting off the massage table and breaks a leg. The massage therapist is protected by a general liability policy which could cover the client’s medical costs associated with the injury.
  • Personal injury: A marketing consultant posts on social media on behalf of a client. The post includes what is supposed to be a lighthearted reference to a competitor, but there is a typo in the post that changes the meaning. The resulting post is quite derogatory, and the competitor sues. The consultant’s client sues them, but they could be protected with a general liability insurance policy.
  • Accidental property damage: A building inspector was hired to inspect a renovation project in an office building. Part of the building was occupied. While the inspector was passing through the occupied section of the building, he inadvertently knocked an expensive vase off a table in a lobby area. General liability insurance protects building inspectors against third-party claims of bodily injury, associated medical costs and property damage.

Learn more about general liability insurance costs to make a smart and forward-thinking decision for your business.

Professional Liability Insurance for Iowa

Professional liability insurance, also known as errors and omissions insurance (E&O insurance), covers another person’s claims against businesses that provide professional and personal services. Some examples of what could be covered include:

  • Dissatisfied client: Parents hired a tutor to help their child improve his standardized test scores. After several weeks of tutoring sessions, the student took the test for the second time and received lower scores than the first time. The parents sued for a refund of the fees they paid the tutor. Professional liability insurance protects tutors against claims of negligence and will appoint an attorney to defend them, even if they haven’t made a mistake.
  • Protection even if you haven’t made a mistake: A land surveyor completes a survey on a commercial property. When excavation begins, a gas line that did not appear on the survey is damaged, halting the project for several weeks until repairs can be made. The owner of the project sues the land surveyor, whose professional liability policy could cover the costs.

Learn more about professional liability insurance.

Business Owners Policy for Iowa

Business owners policy (BOP) is a combination of general liability and business property insurance. BOP is often used to provide balanced coverage for small businesses who also want to protect their own business equipment. Some examples of what could be covered are below:

  • A financial advisor has an office in their home. The office is broken into and several computers are stolen. The advisor’s business owner’s policy could cover the cost to replace the computers.
  • A marketing company has several sophisticated trade show booths that they transport to various locations around the country. Two of the booths are severely damaged while being flown back from a show. The company’s business owner’s policy could cover the cost to replace the booths.

Learn more about business owners insurance.

Example professions we insure in Iowa:

    How Hiscox can help your business in IA:

    • Flexible payment options: We offer you the option of making monthly payments (with no fees) to help you manage your cash flow.
    • Customized Insurance: Insurance tailored to meet your needs and save you money.
    • Claims Responsiveness: When a covered claim is reported, Hiscox will immediately assign a dedicated claims representative to assist you.
    • Worldwide coverage: An Iowa business insured through Hiscox is covered for work done anywhere in the world, as long as the claim is filed in the U.S., a U.S. territory, or Canada.


    Get a fast, free quote now and get that Hiscox confidence behind your Iowa business. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday – Friday, 7am – 10pm ET.

    Quote online or call a licensed insurance agent


    Hiscox Customer Reviews

    Hiscox rated 4.8/5
    Rated 4.8/5

    5 Stars

    OfficeHounds LLC, Iowa

    “Easy and fast to get the policy I needed.”

    It was easy and fast to get the policy I needed. I tried to buy insurance from another company first that took much longer to apply, and they told me they couldn't offer me a policy


    5 Stars

    Jill, Iowa City, IA

    “Fast as lightening, easy as pie! Unbelievable how fast and easy it was to obtain coverage. Thank you!”


    5 Stars

    Roger, Baldwin Park, CA


    Great experience. Was so helpful. You guys are the best!


    5 Stars

    Peter, Stockton, CA

    “Painless insurance acquisition”

    Hassle free easy to navigate website and very prompt with adjustments and revisions.......great overall experience


    5 Stars

    Kim, Edgewater, FL

    “Great way to get liability insurance. No hassle!”

    I couldn't believe how easy the whole process was!


    See More Reviews

    All of our insurance products have been fully approved by the Iowa Insurance Division and are underwritten by Hiscox Insurance Company Inc., an Illinois insurance company whose license number is 4539.

    This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and may not be available in all states.

    Administered by Hiscox Inc., a Delaware corporation that is a licensed insurance producer in all states and Washington, D.C. 5 Concourse Parkway, 21st Floor, Atlanta, GA 30328.