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The state of Iowa attracts businesses to start their operations with its tax-regulations and financial assistance programs. The business environment here allows businesses to expand and progress financially. But companies have to be prepared for unexpected occurrences if they are to find financial success when operating in “The Hawkeye State.”
This is where a business insurance provider has you covered. They create customized insurance policies for businesses as per Iowa’s state-specific laws and market environment. Their services protect clients from future risks and ensure compliance with the regulations in place. This article will look at nine of the highest-rated business insurance firms operating in Iowa.
Hiscox

Hiscox is a reliable insurance firm that enjoys brand recognition along with financial stability. The firm offers a comprehensive selection of insurance products that include property insurance, liability claims, cyber insurance, and general liability coverage.
Hiscox provides their services to a number of industries including technology, media, healthcare, and the professional services sector. The organization stands out for placing clients first and pursues market-proven strategies to provide solutions.
InsuranceBee

InsuranceBee provides customized insurance options to small companies plus independent workers and freelancers in Iowa. The company creates specific solutions such as general liability insurance, and business owner’s policy.
The company assists businesses in industries healthcare, artisan contractors, workers in professional fields, insurance agents, and caterers. The business helps small owners find coverage while facilitating them through policy guidance and flexible payment choices.
Thimble

Thimble provides reliable insurance plans to small business owners, freelancers, and gig workers. Founded in 2016, Thimble has been serving Iowa clients with varying insurance needs.
They provide coverage plans such as liability claims, and business owner’s policy along with tools and equipment insurance to more than 300 professions that include event management, healthcare, and photography. Thimble makes it easy for clients to adjust policies online and download Certificates of Insurance to get started.
Tivly

Tivly, which was previously known as CommercialInsurance.net, is a business insurance marketplace that lets small business owners get in touch with reliable insurance companies and get a policy of their choice.
The company also supplies coverage plans such as general liability and commercial property insurance as well as business owners’ policies and commercial auto insurance. The industries Tivly serves include construction, consulting, retail, and many others.
You can get quotes quickly and work closely with popular firms in the insurance industry without getting caught up in the complexities of getting business insurance.
NEXT Insurance

NEXT Insurance has been providing digital insurance solutions to inspire targeted coverage for small businesses since 2016. Their products include basic liability protection alongside professional liability plans along with workers’ compensation, commercial auto insurance, and business owner policies.
The firm delivers insurance packages for more than 1300 professions while specializing in coverage for construction, retail, food service, and professional services sectors. They allow users to get instant coverage rates and access Certificates Of Insurance 24/7 through an easy-to-use online platform.
Travelers

Travelers started in 1853 and is one of America’s top insurance companies. The firm provides full property and casualty insurance solutions to multiple sectors in Iowa.
The company offers protection for cars, homes, and business operations and sells special insurance types such as general liability, property insurance, commercial auto, workers’ compensation, cyber liability, and business interruption insurance.
Travelers runs its Bond & Specialty Insurance division by selling three types of protection: professional liability insurance, management liability insurance, and surety bonds. Clients can keep their businesses financially secure as the economy develops.
Nationwide

Nationwide creates customized business insurance products that protect companies from financial hazards.
As far as their business insurance services are concerned, Nationwide provides general liability along with property coverage, workers’ compensation, and professional liability insurance with commercial auto coverage.
Nationwide provides its services to clients operating in several sectors such as construction, retail, healthcare, and farming. Its risk management systems allow the firm to design custom insurance plans for future development.
Auto-Owners Insurance

Auto-Owners Insurance stands out for its suite of business insurance products to safeguard Iowa companies from unexpected financial losses.
Their products include general liability, BOP, workers’ compensation, commercial auto, and professional liability insurance. Auto-Owners provide custom business protection to organizations ranging from small retailers to large factories across different industries through independent agents.
Continental Western Group

Continental Western Group (CWG) specializes in commercial insurance solutions for various industries. Their offerings include general liability, property, workers’ compensation, commercial auto, inland marine, motor carrier, and umbrella coverage.
CWG also provides specialty programs for fire/EMS departments along with public entities, and telecommunications. Serving sectors such as agribusiness, contractors, equipment dealers, food processing, manufacturing, and wholesale distribution, CWG provides personalized service and comprehensive coverage plans to meet the unique needs of each business.
Brief Overview Of Iowa’s Leading Insurance Companies
The table below will provide a clear understanding of the nine companies, their services, and key features that have made them a household name in the industry.
Insurance Firm | Services | Unique Selling Points |
Hiscox | General liability, professional liability, cyber insurance, and property coverage. | Strong brand, financial stability, and industry-specific coverage. |
InsuranceBee | General liability, professional liability, business owner’s policies, and cyber liability. | Custom insurance for freelancers and small businesses, flexible payment options. |
Thimble | General liability, professional liability, business equipment protection, and event insurance. | Short-term coverage options, instant policy updates, and easy COI downloads. |
Tivly | General liability, commercial property, business owners policies, commercial auto. | Quick quotes, network of trusted insurers, simple process. |
NEXT Insurance | General liability, professional liability, workers’ compensation, commercial auto. | Digital-first approach, tailored plans for 1300+ professions, 24/7 COI access. |
Travelers | General liability, property insurance, commercial auto, workers’ compensation, and cyber liability. | Established in 1853, specialty insurance options, and financial strength. |
Nationwide | General liability, commercial property, workers’ compensation, commercial auto. | Fortune 100 company, personalized risk management solutions. |
Auto-Owners Insurance | General liability, business owners policies, workers’ compensation, commercial auto. | Independent agents, customized business protection, strong industry reputation. |
Continental Western Group | General liability, property insurance, workers’ compensation, commercial auto, inland marine. | Specialized solutions for niche industries, and extensive policy offerings. |
Top Cities In Iowa For Business Insurance
Iowa is a financial hub and attracts companies to set up their operations with its business-friendly policies. These Iowa cities are home to successful business communities with easy access to leading insurance companies.
- Des Moines
- Cedar Rapids
- Davenport
- Sioux City
- Iowa City
- Waterloo
- Ames
- West Des Moines
- Council Bluffs
- Dubuque
Iowa Government Resources for Business Insurance
Check out these government resources about business insurance for the state of Iowa:
- Iowa Insurance Division
- Department of Insurance and Financial Services
- Iowa Economic Development Authority (IEDA)
- U.S. Small Business Administration (SBA) – Iowa District Office
- Iowa League of Cities
Conclusion
Iowa stands out as an excellent location for business owners thanks to the business-friendly policies and the financial packages. A complete business insurance is what you need to succeed over the long run in Iowa’s thriving markets and leading insurer companies like Hiscox, InsuranceBee, and NEXT Insurance can make it happen.
For various coverage solutions, you can also check out our listing for Iowa’s Top 11 Best Business Loans & Startup Financing Companies along with the leading business insurance providers in Arizona and Florida. To make informed decisions, visit Sophisticated Investor, for expert advice about business insurance strategies and financial development.