Business & Commercial Insurance
Business & Commercial Insurance Quote Forms
Looking for coverage? Click any of the following links to submit a quote 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 Insurance in Newton, IA, Iowa Falls, IA, & State Center, IA
Your business is your livelihood, your source of income and a support system for both employees and customers. It plays an important role in many people’s lives. That’s why you can’t afford to let anything happen to it, even though you know that making your business entirely fail-safe is impossible. To be prepared for anything, it’s best to have a strong commercial insurance portfolio armed and ready.
Interstate Insurance Services is Iowa’s trusted source of commercial insurance and more. With our personalized assistance, you’ll be able to get the benefits that are designed to offer you optimized protection, and you’ll be able to do it all knowing that you’re working with a team of agents that is fully invested in each and every customer’s satisfaction.
To get your policy, call us at (641) 792-7316 or request your free, no-obligation quote now!
Common Business Insurance Questions
What Is Business Insurance?
Businesses have to operate smoothly if they want to turn a profit and succeed in the long-term. Those that can’t often fail. Still, no one can predict the future, and you have to acknowledge that many liabilities and hazards could threaten your business at any time. Rather than throwing in the towel, it is best to be prepared for anything. With the right commercial benefits aiding your recovery, you’ll be able to move on from inconvenient problems on a much more secure financial footing.
What Does Business Insurance Cover?
The commercial insurance marketplace is made up of multiple types of coverage, namely:
General Liability Insurance: This covers the business in the event it causes property damage or bodily injuries to another party, like a client or vendor.
Business Interruption Insurance: This helps you pay the bills if you must temporarily close after a damaging accident.
Commercial Auto Insurance: When the company owns vehicles, this coverage will provide the requisite physical damage, liability and other benefits to help the company afford the costs of wrecks or other vehicle hazards.
Workers’ Compensation Insurance: If an employee gets hurt on the job, they are often eligible for workers compensation coverage. It will supply supplementary income during their recovery.
Errors & Omissions Insurance: Professional advice or mistakes could cause clients a financial loss. This coverage can compensate them on behalf of the business.
Numerous other benefits can more specifically insure unique liabilities. These include:
Cyber Liability Insurance
Umbrella Liability Insurance
Hired/Non-owned Auto Liability Coverage
With the help of our agents, you can tailor your policy limits, deductibles and more specific policy terms to your advantage. Rest assured that your benefits will be customized to offer you optimized protection in the face of any number of challenges.
What Business Insurance Is Best for My Business?
Often, small businesses benefit by buying their foundational commercial insurance through a business owners policy (BOP). BOPs are packages of essential benefits provided in one place and at one cost. Usually, they offer property, general liability and business interruption coverage as their core components. However, they can often be accentuated with other benefits.
Keep in mind, compliance laws will require businesses to carry certain commercial insurance options, though exact requirements will vary by location. Commonly required coverage includes commercial auto, workers’ compensation, surety bonds and professional liability insurance. Often, you will have to buy coverage alongside your BOP or any other commercial package policies in your portfolio.