The top-rated workers' compensation insurance agent in Ames, Iowa is Fortress Insurance Services, rated 5.0 stars across 636 reviews. Other highly rated options include Mark Doyle - State Farm Insurance Agent, Scott Richardson - State Farm Insurance Agent, Louis Slaughter III - State Farm Insurance Agent. This directory lists 20 workers' compensation insurance agents serving Ames.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Fortress Insurance Services | 426 S 17th St | (515) 337-8700 |
| 2 | Mark Doyle - State Farm Insurance Agent | 2701 Stange Rd Ste 110 | (515) 232-8090 |
| 3 | Scott Richardson - State Farm Insurance Agent | 101 Main St | (515) 232-0030 |
| 4 | Louis Slaughter III - State Farm Insurance Agent | 3515 Lincoln Way #102 | (515) 292-9030 |
| 5 | AlekCO Insurance | 119 Stanton Ave STE 702 | (515) 978-9040 |
| 6 | Pat Brown - State Farm Insurance Agent | 1112 Buckeye Ave | (515) 233-1295 |
| 7 | Severson Insurance Agency, Inc | 3206 Grand Ave #102 | (515) 232-7203 |
| 8 | Shelter Insurance - Mike Dolan | 1228 Grand Ave | (515) 232-3555 |
| 9 | Gallagher Insurance, Risk Management & Consulting | 1416 Buckeye Ave | (515) 232-7060 |
| 10 | Joe Leto - COUNTRY Financial Representative | 315 6th St #205 | (515) 233-3045 |
Fortress Insurance Services serves the Ames, Iowa metro area as a workers' compensation insurance agent. It helps local businesses secure coverage that protects both employees and employers in the event of a workplace injury. The company assists clients in navigating complex compliance requirements and obtaining policies tailored to their specific industry risks. Managing payroll audits and assisting with claims filing are among the key services it handles for area businesses.
Mark Doyle - State Farm Insurance Agent in Ames, Iowa, provides workers’ compensation coverage tailored to local businesses. It assists employers in navigating policies that safeguard against workplace injury claims and associated costs. The agency offers ongoing service plans to help clients review and update their coverage as business needs evolve. Property types served include single-family homes, apartments, retail establishments, and restaurants.
Businesses and property managers in Ames, IA seeking workers' compensation insurance can work with Scott Richardson - State Farm Insurance Agent. This agency helps employers meet legal requirements for covering employee medical costs and lost wages from job-related injuries. It customizes policy limits and deductibles for diverse local industries. Guidance is provided on risk management to help reduce workplace incidents. The firm also assists independent contractors with determining their coverage needs. Scott Richardson - State Farm Insurance Agent extends its workers' compensation services to Story City and the other communities within Story County.
Louis Slaughter III - State Farm Insurance Agent serves Ames, Iowa, and the surrounding communities within Story County. It handles workers' compensation insurance, which provides benefits for employees who suffer job-related injuries or illnesses. The agency helps local businesses navigate coverage that can address medical expenses and lost wages. Typically, the agent begins by reviewing a company’s specific operational risks, then discusses policy options that comply with state requirements and fit the client's budget.
AlekCO Insurance in Ames, Iowa offers workers’ compensation insurance brokerage and placement services for local businesses. The agent helps employers secure essential coverage to protect against workplace injury claims and medical expenses. This independent support includes assessing liability risks and identifying suitable policy options from various insurance carriers. As agricultural and retail operations in the area face seasonal worker fluctuations in fall and spring, the agent helps manage temporary employee coverage adjustments accordingly.
Pat Brown - State Farm Insurance Agent in Ames, Iowa provides workers' compensation coverage as a recurring service, rather than a one-time option, to help businesses manage ongoing risk. This coverage typically addresses medical expenses and lost wages for employees injured on the job, while also offering legal liability protection. Policies are tailored to meet specific occupational needs within the local area. Service arrangements run on a scheduled basis to ensure continuous policy updates and annual reviews.
As spring construction season ramps up around Ames, many local businesses face increased risk of workplace injuries. Severson Insurance Agency, Inc. specializes in workers' compensation coverage tailored for the region's evolving job sites. This agency works closely with policyholders to navigate premiums and ensure compliance with Iowa regulations, helping to protect both workers and company assets. For those seeking coverage, an initial safety inspection of the premises is scheduled to identify potential hazards before a policy is finalized.
Shelter Insurance - Mike Dolan provides workers’ compensation insurance for Ames businesses, assisting with policy options that cover medical expenses and lost wages for injured employees. This agency specializes in tailoring coverage to meet various operational risks and regulatory requirements. It helps local companies secure protection that aligns with worker safety needs across multiple commercial sectors, including offices requiring basic liability coverage, warehouses needing broader hazard policies, and food service establishments with unique employee risk exposures.
Gallagher Insurance, Risk Management & Consulting provides workers’ compensation coverage for residential clients in Ames, serving homeowners who employ domestic help or contract workers. The agency also handles commercial policies for small and mid-sized businesses throughout the local area, addressing their specific liability and payroll-related insurance needs. Workers’ compensation insurance agents in this region help employers navigate state requirements and reduce workplace injury risks. Between scheduled visits, clients can contact the agency for follow-up assistance with policy adjustments or compliance questions.
What Does a a Workers' Compensation Insurance Agent in Ames Cost?
Typical workers compensation insurance costs in Iowa range from $0.75 to $2.50 per $100 of payroll for low-risk office jobs and $5.00 to $15.00 per $100 for higher-risk construction work. Your final rate depends on your industry code and loss history. This is general information and not insurance advice.
About workers' compensation insurance agents in Ames
Workers compensation insurance agents in Ames Iowa help local businesses secure coverage required by Iowa law. Iowa Code Chapter 85 mandates most employers with one or more employees carry workers compensation insurance. An agent can explain how rates are set and help you meet state compliance requirements.
Frequently Asked Questions
Who needs workers compensation insurance in Ames Iowa?
Under Iowa Code 85.1, any employer with one or more employees must carry workers compensation insurance. This includes part-time and seasonal workers. Agricultural employers with fewer than six employees may be exempt.
How does an agent help with Iowa workers comp claims?
An agent can guide you on reporting injuries to your carrier within the required timeframe. Iowa law gives employees two years from the date of injury to file a claim. The agent helps ensure proper documentation is submitted.
What factors affect workers comp premiums in Iowa?
Premiums are based on your business classification, payroll, and claims history. The Iowa Workers Compensation Classification System assigns rates per $100 of payroll. An agent can review your experience modification factor to find accurate pricing.
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