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What type of insurance do you need?
Hazards such as damaging weather, property crimes, and liability lawsuits are often very expensive. Business insurance is designed to protect your company from the financial losses it may face due to these and other risks. This coverage can prove beneficial, as is evidenced by the fact that in 2016 alone, businesses in Iowa collected approximately $1.6 billion in insurance claims.
A local independent agent can help you build a customized business insurance plan that is suitable to meet the specific needs of your particular company.
Statisticians predict that an estimated 40% of all small businesses are likely to experience a property damage or general liability lawsuit setback in the next 10 years.
Lawsuits aren’t the only expensive hazard faced by businesses. Here are some common hazards American companies have been using their insurance to cover:
Business insurance is designed to cover losses associated with a variety of potential hazards so that your business doesn’t have to.
If your inventory is damaged, a severe weather event forces your business to shut down for several weeks, a customer files a liability lawsuit against your company, or one of your employees is severely injured on the job, a solid business insurance policy package will ensure that you won't have to worry about how these exposures will affect your business’s bottom line.
Here’s what you can expect a comprehensive business insurance policy package to do:
A business insurance policy is not required by law. However, some types of commercial insurance that are often included in a comprehensive business insurance policy package may be.
To learn more about coverage that your business may need to have, you can talk with a local independent insurance agent.
Business insurance rates are calculated according to a number of factors such as the type of business you have, the value of your business assets, the number of workers you employ, your liability exposures, and the amount and types of coverage you want to purchase.
Coverage needs can vary significantly from one business to the next, so it is a good idea to work with an experienced insurance agent who can help you build a comprehensive policy package for your company. These agents can ensure that you are getting the right coverage for each of your business’s potential exposures while helping you avoid paying for coverage that is not a good fit.
Also, because independent agents can work with multiple insurance companies, they can search for the best price for each type of coverage you need. Sometimes this means building a business insurance portfolio that includes policies from several different insurance companies. Don’t worry. You will still only have one point of contact with your independent insurance agent.
Yes! There are currently 720 independent agents in Iowa who are ready to help.
These experienced agents can work with several different insurance providers to help you build a comprehensive yet competitively priced business insurance portfolio. Contact an agent near you to learn more and to get help ensuring that your business is fully covered against all of its potential risks.
Number of businesses in the US: 27,626,360
Burglary rate per 1,000 residents in the US: 3.76
Auto theft rate per 1,000 vehicles in the US: 2.29
|City||No. businesses||Burglaries / 1,000 people||Auto thefts / 1,000 cars|
|West Des Moines||6,644||2.24||1.07|