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Technology Business Insurance in Iowa

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What are the insurance requirements for technology businesses in Iowa?

State laws can affect which policies you need for your technology business. These policies are required for Iowa businesses.
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Workers' compensation insurance

Iowa state law requires technology businesses that have employees, full-time or part-time, to carry workers’ compensation insurance. This policy covers medical bills for work injuries and illnesses.

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Commercial auto insurance

Vehicles owned by technology businesses in Iowa must be covered by commercial auto insurance. Iowa requires a minimum of $20,000 bodily injury liability per person, $40,000 bodily injury liability per accident, and $15,000 property damage liability per accident.

Though it's not required, personal vehicles driven for work purposes should be covered by hired and non-owned auto insurance, as personal auto policies usually exclude business use. It can be added to general liability insurance or a business owner's policy.

How much does business insurance cost for technology professionals?

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Commercial insurance can be affordable for a small Iowa tech company. Factors that influence the cost include:

  • Your industry and risk
  • Coverage limits
  • Location
  • Number of employees
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We specialize in business insurance for Iowa IT and technology professionals

Our agents are experts in insurance for Iowa technology businesses. They can help you find policies that fit your company and fulfill state requirements. TechInsurance agents, agencies, and brokers are licensed by the Iowa Insurance Division. TechInsurance is licensed in Iowa as BIN Insurance Holdings LLC (NPN 15752926) for property and casualty insurance (license number 1002051596). Verify our licensure with the Iowa Insurance Division Licensee Lookup.

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