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Iowa Business Insurance Policies

There’s a reason why so many companies choose biBERK for their business insurance in Iowa. With flexible policies and comprehensive coverage, we’re ready to protect you from everyday risks and unexpected issues.

Iowa Workers' Compensation Insurance

Iowa workers’ compensation coverage is there to protect your business. If a worker is injured or contracts an illness on the job, it’s important to have an Iowa workers’ compensation plan in place. Our Iowa workers’ compensation rates are competitive, and cover your business for medical costs, legal fees, and even lost wages due to an employee injury.

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Iowa General Liability Insurance

General liability is a vital type of business insurance in Iowa. As a great choice among insurance companies in Iowa, biBERK’s policies covers damages and legal costs associated with injury claims to customers and other people you don't employ, damage to other people's property that was caused by your business, and medical costs associated with these incidents. General liability also covers libel, slander, and copyright infringement. Plus, there are endorsements you can add to customize your policy, including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Iowa Business Owners Policy (BOP)

A BOP (business owners policy) is sometimes also referred to as property & liability insurance. It combines general liability insurance (which covers non-employee injuries and customer property damage) with coverage for your company’s property. You'll get protection for the building you own, space you lease, and any property needed to run your business, while also receiving coverage for things like business interruption. This can replace lost income, as well as cover other costs associated with getting your business back up and running after suffering property damage, such as temporary location costs. You can also tailor your BOP with add-ons including cyber, hired and non-owned auto liability, employment-related practices liability, and employee benefits liability.

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Iowa Professional Liability Insurance

Also known as errors and omissions (E&O) coverage, this protects your business from claims that imply your business has caused another business or an individual financial harm. Iowa professional liability insurance covers mistakes on the part of your business (errors) and the failure to perform a service (omissions).

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Iowa Cyber Insurance

This is an important type of business insurance in Iowa. It can be purchased as an add-on to a general liability, professional liability, or BOP policy. Cyber insurance helps cover costs related to system hacks or data security breaches in which sensitive information has been stolen and fraud has occurred or there is a reasonable expectation that it might occur.

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Iowa Umbrella Insurance

When buying business insurance in Iowa, every insurance policy you purchase has a maximum value that it will cover in the event of an incident. By getting umbrella insurance coverage, you’re protecting your business and finances from any incidents that exceed the limit of your other biBERK policies.

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We Cover all Kinds of Professionals and Businesses in Iowa, Including:

  • Accountants and auditors
  • Attorneys and lawyers
  • Barber shops and beauty salons
  • Building services companies
  • Business consultants
  • Car repair shops
  • Carpet and flooring installers
  • Clothing stores
  • Commodities and securities businesses
  • Concrete construction companies
  • Contractors
  • Delivery and courier services
  • Electrical contractors
  • Engineers and architects
  • Expert carpenters
  • Exterior and interior painters
  • Exterminators
  • Farmers' markets
  • Fence installers
  • Financial analysts
  • Heating and cooling companies
  • Home appliance repair
  • Home cleaning services
  • Home health care services
  • Insurance companies
  • Janitorial services
  • Lawn and garden service provider
  • Marketing firms
  • Masonry services
  • Master plumbers
  • Personal service providers
  • Photographers
  • Physician and osteopath offices
  • Programmers
  • Public relations agencies
  • Real estate companies
  • Recreation and amusement services
  • Restaurants
  • Stables and breeding farms
  • Stone and marble installers
  • Transportation and trucking
  • Wallboard installers
  • Wellness and fitness centers

Why Choose biBERK for Your Business Insurance in Iowa?

We’re the experts when it comes to Iowa small business insurance.

Save Time

Get a quote for small business insurance in Iowa online or speak with one of our insurance experts about what your specific needs are and how biBERK can provide you with the best coverage possible.

Save Money

We insure your small business directly, without a middleman or insurance broker, so we pass that savings on to you—up to 20% less compared to policies with other insurance companies.


We're part of Warren Buffett's Berkshire Hathaway Insurance Group with millions of satisfied customers, more than 75 years of insurance experience, and $38 billion in paid claims in 2020.

Why is biBERK Better for Iowa Business Insurance?

It doesn’t matter what your needs are—whether it’s workers’ comp in Iowa or other small business insurance—we’re often less expensive and have an insurance process that’s easy and hassle-free. We’re also part of the Berkshire Hathaway Insurance Group, the nation’s largest insurance company in terms of assets. You may know Berkshire Hathaway as the company started by Warren Buffett. Mr. Buffett began as a small business owner, and he is dedicated to providing small businesses with services and value that can help them grow.

What do biBERK Customers Say?

What Insurance is Required for Iowa Small Businesses?

Workers’ Compensation

In Iowa, every business with employees is required to carry workers’ compensation insurance. Even if you only have one employee, you’re still required to carry workers’ comp. You can receive substantial fines and criminal penalties if you’re required to have a workers’ comp policy and are caught doing business without it.

Other Policy Considerations

Even if your customers, clients, or partners don’t require you to carry specific policies, it’s recommended that you carry policies to cover any part of your business that could be at risk. Financially protecting your company is one of the smartest business decisions you can make.

What Does Iowa Business Insurance Cost?

The cost of commercial and business insurance in Iowa depends on a number of factors, including industry, number of employees, and the amounts of payroll and revenue. Additionally, your claims history will influence your policy cost. Companies with fewer claims typically pay lower premiums. You can get business insurance quotes in Iowa from our website.

Iowa Small Business Insurance in Three Simple Steps


Get a Quote

Fill out a form online or give us a call to tell us about your company. You’ll have a quote in as little as five minutes.


Buy a Policy

Complete your purchase and make payments online or over the phone. You can pay your premium all at once or in monthly installments.


Get a Certificate

Download an instant Certificate of Liability Insurance immediately after purchasing a policy.

Get a Quote Today

Trust biBERK for business insurance in Iowa and save up to 20%.