Contractor Insurance
in Iowa
Stay Compliant and Confident in Iowa’s Demanding Contractor Environment
From strict registration rules to seasonal storm risks, Iowa contractors face a unique set of challenges. Whether you’re framing a new home in Des Moines or handling roofing jobs in Cedar Rapids, one uninsured incident could derail your entire operation.
At Affordable Contractors Insurance (ACI), we offer customized policies built for Iowa’s construction laws and jobsite risks—so you stay compliant, protected, and ready for anything.
Why Contractors in Iowa Choose ACI
Local Expertise
We understand Iowa’s contractor laws and licensing requirements
Fast Certificates
Get same-day proof of insurance to keep projects moving
Bundled Savings
Combine policies for affordable, all-in-one protection
Dedicated Support
Get personal help from agents who know the trade
Insurance Coverage We Offer in Iowa
We help Iowa contractors protect every part of the job. Here are the most common policy types we offer:
- General Liability Insurance
Protects against third-party injuries, property damage, and legal claims that arise during your work.
- Workers’ Compensation Insurance
Required if you have employees—covers medical bills and lost wages after a jobsite injury.
- Commercial Auto Insurance
Covers vehicles used for business tasks like transporting tools, materials, or workers.
- Tools & Equipment Insurance
Protects your valuable gear from theft, vandalism, or damage—on or off the jobsite.
- Builder’s Risk Insurance
Covers new builds and renovations against fire, theft, vandalism, and weather-related damage during construction.
- Professional Liability Insurance
For contractors who offer design or consulting—covers claims of errors, omissions, or professional negligence.
Who We Cover in Iowa
If you’re working in Iowa construction, we likely have a policy for you. We serve:
- General Contractors
- Roofing Contractors
- Electricians
- Plumbers
- HVAC Technicians
No matter your trade or crew size, ACI makes it easy to get the right protection for your Iowa contracting business.
How Much Does Contractor Insurance Cost in Iowa?
Your monthly premium depends on your trade, business size, claims history, and policy choices.
Cost Factors
- Trade Type
Roofing, electrical, and plumbing usually carry a higher risk
- Payroll & Revenue
Higher payroll = higher premium
- Coverage Limits
Higher limits increase your premium
- Deductibles
A higher deductible lowers your monthly rate
- Policy Bundles
Bundling saves you money and simplifies management
Sample pricing
Most Iowa contractors pay between $85 and $240/month, depending on coverage. Find out how much you could save—get a free, custom quote now.
Iowa Contractor Insurance Requirements
General Liability Insurance
While not required by the state, many Iowa cities and project owners mandate general liability coverage to obtain a contractor license or win bids.
Workers’ Compensation Insurance
Required for any business with employees—including part-time and family members. Self-employed contractors can opt in for coverage.
Surety Bond (if applicable)
Required for certain contractor licenses in Iowa. A bond guarantees your compliance with local laws and protects your clients.
Requirements vary by trade and municipality—get a free quote tailored to your situation.
Get a Free Contractor Insurance Quote
in Iowa
Insuring your business shouldn’t be a hassle. We’ll clearly explain your coverage choices and deliver a free, no-obligation quote customized for your specific contracting work.