The top-rated business insurance agent in Des Moines, Iowa is The Insurance Specialists Inc, rated 4.8 stars across 284 reviews. Other highly rated options include Ligouri Insurance, Boersma Insurance Services, Insurance Networking Systems. This directory lists 17 business insurance agents serving Des Moines.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | The Insurance Specialists Inc | 514 E Euclid Ave | (515) 280-1207 |
| 2 | Ligouri Insurance | 4320 1/2 SW 9th St | (515) 285-0370 |
| 3 | Boersma Insurance Services | 100 Court Ave #310/450 | (515) 327-7033 |
| 4 | Insurance Networking Systems | 3512 Ingersoll Ave | (515) 243-1223 |
| 5 | Budget Insurance | 3111 Douglas Ave | (515) 277-1313 |
| 6 | Centro Insurance | 5406 Douglas Ave | (515) 318-5638 |
| 7 | Adriana's Agency | 1514 E Grand Ave Suite B | (515) 266-0402 |
| 8 | EMC Insurance Companies Headquarters | 717 Mulberry St | (800) 362-2227 |
| 9 | Donahue Insurance Agency Inc | 5925 SW 9th St | (515) 287-3919 |
| 10 | Mauro Insurance | 4314 SW 9th St | (515) 287-2257 |
The Insurance Specialists Inc serves the Des Moines metro area and surrounding Polk County as a business insurance agency. It helps local companies manage their commercial risks by identifying appropriate coverage policies. The agency works closely with clients to review operations and provide tailored protection options for their specific industry needs. A core service includes general liability insurance for small and mid-sized businesses. Additionally, the agency handles workers’ compensation policies to cover employee injuries and related expenses.
Ligouri Insurance offers a comprehensive range of business insurance coverages, including general liability, property, and workers' compensation policies. Its service approach focuses on regular policy reviews to ensure coverage adapts to changing operational needs. Maintenance of accounts involves proactive communication for renewal updates and risk management advice. The agency serves commercial clients throughout Des Moines, Iowa, including single-family homes, apartments, retail stores, and local restaurants.
Serving Des Moines and surrounding communities in central Iowa, Boersma Insurance Services specializes in business insurance agent work, handling a range of commercial policies for local enterprises. It assesses a company’s operational risks to help select appropriate coverage, including general liability and property insurance. The agency tailors each policy after reviewing a client’s specific industry exposures. For a typical job, it begins with a thorough consultation to understand the business’s operations before presenting coverage options from multiple carriers.
Insurance Networking Systems in Des Moines, IA, offers business owners a clear choice between one-time policy consultations and recurring coverage management services. Its typical client support includes liability protection, property insurance, and workers’ compensation arrangements suited to local enterprises. As a commercial insurance agent, the firm procures customized policies from multiple carriers to match specific operational needs. Service runs on an as-needed basis, with clients contacting the agency for new endorsements or mid-term policy adjustments whenever the business situation requires.
Budget Insurance serves businesses of all sizes in Des Moines, helping them secure essential commercial coverage for general liability, property, and worker protection needs. The agency also works with property managers and independent operators who require specialized policies tailored to their unique risks. For companies with assets or vehicles in commercial use, the agent can structure policies that address those exposures directly. Beyond the city itself, Budget Insurance extends its business advisory services to clients in West Des Moines as well.
As winter weather threatens operations for many Des Moines businesses, Centro Insurance helps local entrepreneurs review their commercial policies before seasonal hazards arise. This business insurance agent works with companies to identify gaps in coverage, from property protection to general liability concerns. The goal is to align insurance needs with the operational realities of a changing Midwest economy. New clients typically begin with an on-site inspection or an initial assessment of their current policies and risk exposures.
Adriana's Agency helps local businesses in the Des Moines area secure essential commercial insurance coverage. The firm focuses on tailoring general liability and property protection policies to match operational risks. They also assist clients with specialty riders for equipment, data breaches, or professional liability. Their services can address the distinct needs of various commercial sectors, including offices, warehouses, and food service establishments throughout the region.
EMC Insurance Companies Headquarters in Des Moines provides commercial insurance solutions for businesses, including property and liability coverage for small and mid-sized enterprises. Its agents work with local firms to design policies addressing industry-specific operational risks like equipment breakdown or liability claims. The team also advises on risk management strategies to help minimize potential losses. During winter months, these services often assist companies in preparing for weather-related disruptions such as snow damage or supply chain delays caused by severe conditions.
Donahue Insurance Agency Inc serves Des Moines area homeowners with tailored residential insurance solutions. The company also assists local business owners by providing commercial coverage options that address liability, property, and operational risks. Working with clients throughout the Des Moines region, the agency focuses on finding appropriate policies for various professional needs. Regular communication with policyholders ensures that coverage remains current, with the office available to adjust plans as businesses expand or change between scheduled review visits.
What Does a a Business Insurance Agent in Des Moines Cost?
Typical costs for a small business insurance policy in Des Moines range from 400 to 1500 dollars per year for general liability. Workers compensation premiums vary by payroll and industry classification averaging 0.50 to 2.00 dollars per 100 dollars of payroll. Commercial property insurance costs depend on building value and location. This is general information not insurance advice.
About business insurance agents in Des Moines
Business insurance agents in Des Moines help local companies find coverage for property damage liability and worker injuries. Iowa law requires most employers with one or more employees to carry workers compensation insurance. Agents can guide you through state specific requirements and compare policies from multiple carriers.
Frequently Asked Questions
What types of business insurance do agents in Des Moines offer?
Agents in Des Moines offer general liability commercial property workers compensation and professional liability insurance. They also provide specialized coverage for industries like agriculture manufacturing and construction common in Iowa.
Is business insurance required by law in Iowa?
Iowa law requires workers compensation insurance for most employers with one or more employees. Commercial auto insurance is also required if you use vehicles for business. Other types like general liability are not legally required but are often mandated by landlords or clients.
How do I choose a business insurance agent in Des Moines?
Look for an agent licensed in Iowa who has experience with your industry. Ask about their carrier network and whether they can bundle policies for a discount. Check online reviews and verify their license through the Iowa Insurance Division.
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