The top-rated commercial 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 15 commercial 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 | Centro Insurance | 5406 Douglas Ave | (515) 318-5638 |
| 6 | Adriana's Agency | 1514 E Grand Ave Suite B | (515) 266-0402 |
| 7 | EMC Insurance Companies Headquarters | 717 Mulberry St | (800) 362-2227 |
| 8 | Mauro Insurance | 4314 SW 9th St | (515) 287-2257 |
| 9 | Davis Insurance Agency | 2815 Beaver Ave # 200 | (515) 274-3838 |
| 10 | Crivaro Insurance Agency | 2449 SW 9th St | (515) 288-5589 |
The Insurance Specialists Inc serves the Des Moines, Iowa, metro area as a commercial insurance agent. The firm assists local businesses in securing liability coverage and property protection for their operations. It also advises on policies that address industry-specific risks common to companies in the region. A commercial agent in this market typically brokers coverage for property damage, general liability, and workers compensation. The Insurance Specialists Inc handles applications for both business interruption insurance and commercial auto policies for local fleets.
Ligouri Insurance provides a wide range of commercial coverage options tailored to the Des Moines business community, addressing general liability, property, and workers’ compensation needs. The agency works closely with clients to craft appropriate risk management strategies, though it does not offer ongoing service or maintenance plans for policies. Its accounts span various property types, including single-family homes operated as businesses, apartment complexes, retail storefronts, and local restaurants.
Boersma Insurance Services works with homeowners, businesses, and property managers in Des Moines to secure appropriate commercial insurance coverage. The agency helps clients protect their assets by analyzing liability risks and property exposures common in the local market. Policies for general liability, workers’ compensation, and commercial property are arranged to meet each business’s operational needs. The firm also extends its commercial insurance services to businesses throughout the neighboring West Des Moines area.
Serving the Des Moines metro area and surrounding Iowa communities, Insurance Networking Systems handles a diverse array of commercial insurance needs for local businesses. It works with clients to secure coverage for property, liability, and workers' compensation risks typical in the region. To manage a typical job, the company first conducts a thorough assessment of a business’s specific exposures and operational profile. It then compares options from multiple carriers to assemble a policy package that addresses those identified risks within the client’s budget.
Centro Insurance offers specialized commercial coverage for small to mid-sized businesses throughout Des Moines, Iowa. It identifies, assesses, and structures policies to protect local enterprises from common operational liabilities and property exposures. Each client receives tailored risk management guidance for their specific industry. For area construction and retail firms, the agency helps secure policies that address seasonal weather disruptions and unpredictable supply chain interruptions during the busy fall harvest and winter months.
As winter ice and snow begin to affect Des Moines storefronts and warehouses, Adriana's Agency helps local businesses manage the increased slip-and-fall and roof-collapse risks that come with the season. This commercial insurance agent works with business owners in Polk County to review liability limits and property coverage ahead of seasonal weather changes. Offers include policy adjustments for inventory fluctuations and equipment breakdown protection. New clients begin with a walkthrough of their premises to assess current exposures before crafting a tailored plan.
EMC Insurance Companies Headquarters in Des Moines, IA helps businesses weigh the single-use liability protection of a short-term project policy against the evergreen coverage of a packaged commercial general policy. Its agents assist local clients in selecting insurance for their property, workers’ compensation, and business auto exposures within the regional market. Client services operate on a scheduled renewal cycle, while initial risk assessments and policy adjustments are handled on a one-time, as-needed basis.
Mauro Insurance serves residential insurance needs throughout Des Moines and the surrounding Iowa region. The company also provides a complete range of commercial insurance solutions for local businesses, including general liability, property, and workers’ compensation coverage. Commercial policies are designed to protect small and mid-sized enterprises throughout Polk and adjoining counties from common operational risks. Professional agents work closely with business owners to tailor coverage to their specific industry exposures. Clients can easily schedule follow‑up policy reviews and service adjustments between regular visits to keep their business protections current.
Davis Insurance Agency in Des Moines, Iowa, provides comprehensive general liability and property coverage for businesses. It specializes in customizing policies to address industry-specific risks, such as professional liability and equipment breakdown. The agency’s client base includes local offices requiring errors and omissions protection, warehouses needing robust inland marine coverage, and food service establishments seeking liability and spoilage insurance.
Crivaro Insurance Agency is a commercial insurance agent in Des Moines, Iowa, known for helping local businesses manage their general liability, property, and workers’ compensation exposures. The firm assesses each client’s unique operational risks to recommend standard commercial policies that provide financial protection for small and mid-sized companies. Coverage options typically include business interruption insurance, commercial auto coverage, and inland marine protection. For companies requiring additional safeguards, Crivaro Insurance Agency also offers tailored professional liability and cyber liability insurance packages.
What Does a a Commercial Insurance Agent in Des Moines Cost?
Commercial insurance costs in Iowa vary widely by business type size and location. A small retail shop might pay 500 to 1500 per year for general liability while a construction contractor could pay 3000 to 8000 or more annually for workers comp and liability. Premiums depend on payroll revenue claims history and coverage limits. This is general information not insurance advice.
About commercial insurance agents in Des Moines
Commercial insurance agents in Des Moines help businesses find coverage for property liability and workers compensation. Iowa law requires most employers to carry workers compensation insurance if they have one or more employees. A local agent can guide you through Iowa specific regulations and help you compare policies from multiple carriers.
Frequently Asked Questions
What types of commercial insurance do Des Moines businesses need?
Common coverages include general liability commercial property workers compensation and commercial auto. Iowa law requires workers comp for businesses with at least one employee. Agents can also help with professional liability and cyber insurance.
How do I choose a commercial insurance agent in Des Moines?
Look for an agent licensed in Iowa with experience in your industry. Ask about their carrier partnerships and claims support. Many agents offer free initial consultations to review your business risks.
Are there Iowa specific laws that affect commercial insurance?
Yes Iowa has specific workers compensation rules and a competitive insurance market. The Iowa Insurance Division regulates agents and carriers. Iowa also follows a modified comparative fault rule for liability claims which can impact coverage needs.
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