Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote request for quick, accurate and affordable rates.
Business & Commercial Insurance Customer Service Options
Self policy service any time of the day, directly from our website. To request a policy change on your account, click any of the following policy service options below.
Business & Commercial Insurance Information
Business & Commercial Insurance in Des Moines IA, and Altoona IA
Insurance for Businesses in Des Moines, Altoona and Throughout Iowa
Starting a business is hard work and that hard work should be protected. A business insurance policy is designed to protect various assets of your business in case of accidents and lawsuits.
At The Insurance Station, Inc., we work to create genuine connections with each client through honesty and dedication. We will help you every step to find a policy tailored for your company’s needs and budget.
What Does Commercial Insurance Cover?
When searching for the right business insurance policy, you may come across various types of coverages all geared toward covering specific risks your business may face. There are a few basic insurance coverages all businesses can benefit from, while others are specific to certain industries.
Some of the industries we cover include restaurants, wineries, vineyards, breweries, home builders, auto and motorcycle dealers, manufacturing, renewable energy systems, contractors, daycares, campgrounds, condo associations, sports and recreation and human services.
Some important coverages to consider no matter what your industry include:
Liability
There are a range of liability insurances available for businesses. One of the most common is general liability insurance. General liability covers bodily injury, property damage and personal or advertising injury. If someone is injured in your restaurant, for example, general liability can help cover the victim’s medical bills at the same time it protects your business from a lawsuit regarding the injury.
General liability is often paired with commercial property insurance to form a Business Owners Policy. A business owners policy BOP allows small businesses in low-risk industries to combine coverages into a comprehensive package to save money.
Additional liability options include:
Property
Property insurance covers physical assets used or owned by a business. This may include commercial property, which covers your business’ physical location and its contents in case of damage or loss due to fire, wind, hail, lightning, smoke, theft, vandalism and more.
Commercial Auto Insurance is a type of property insurance that covers vehicles owned or used by a business. This covers damages to the vehicle as well as liability issues that may arise while a driver operates the commercial vehicle.
Other property coverages include:
Business Interruption Insurance
Equipment Breakdown Insurance
Flood Insurance
Workers Compensation
Workers compensation covers injuries employees may sustain on the job. If an employee is injured at work, workers compensation can cover medical bills, disability benefits, wage replacement and more.
This insurance is required for most businesses in Iowa.
Insure with The Insurance Station, Inc.
Your business should be protected with the best commercial insurance possible. Call The Insurance Station, Inc. at (808) 845-0489 or fill out an online quote form to get started today.
Common Business Insurance Questions
How Much Business/Commercial Insurance Do I Need?
Insurance needs differ between businesses and industries. You may need different coverages and limits than other business’, so speak with an agent at The Insurance Station, Inc.
How Much Does Business/Commercial Insurance Cost?
The cost of business and commercial insurance varies depending on a variety of factors, such as your location, industry, coverage limits, insurance types and more. Fill out an to find out how much you can save on commercial insurance today.
How Does Business Insurance Work?
When you purchase a business insurance policy, you will pay monthly premiums in return for coverage. As long as you have coverage, you can file a claim on your business insurance policy to receive compensation for an accident or lawsuit.
Other Business Insurance Types:
Bonds
Businessowners (BOP) Insurance
Builder's Risk Insurance
Business Interruption Insurance
Cyber Liability Insurance
Directors & Officers Liability Insurance
Employee Benefits Liability Insurance
Employment Practices Liability Insurance
Equipment Breakdown Insurance
Errors & Omissions Insurance
Flood Insurance
Liquor Liability Insurance
Pollution Liability Insurance
Product Liability Insurance
Special Event Liability Insurance
Specialized Industries:
Restaurants
Wineries/Vineyards
Breweries
Home Builders
Auto & Motorcycle Dealers
Manufacturing
Renewable Energy Systems
Contractors
Daycares
Campgrounds
Condo Associations
Sports & Recreation
Human Services
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