All Other
Trades
No worries, we insure many other types of Iowa contractors. Perhaps you do a specialty trade. We can do that as well as hard-to-place risks across Iowa. Give us a try.
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If your trade isn't listed, don't worry we've got you covered.
The construction and trade sector in Iowa has a great many specialities, so no single list could possibly include them all. If you are operating a contracting business anywhere in Iowa whether it’s in Des Moines, Cedar Rapids, Davenport, Iowa City or Sioux City and your particular trade is not mentioned on one of our other pages, that doesn’t mean we can’t assist you. Iowa Contractors Insurance offers affordable and appropriately sized coverage for contractors across a wide range of specialities all over the state, meaning that no matter what your trade is you can concentrate on managing your business rather than being concerned about what will happen if anything goes wrong.
Call the number 952-222-8073 to get a free, obligation-free quote.
Contractor Insurance for Every Iowa Trade
All businesses that contract face the same basic types of risks such as injuries to third parties and damage to property, injuries to employees, the theft of tools and equipment, and the use of vehicles for business purposes even if the particular hazards vary from trade to trade. We offer general contractors’ insurance in Iowa as well as special coverage for various trades, including but not limited to:
- Fencing installation and repair contractors
- Concrete and foundation contractors
- Gutter installation and repair companies
- Decking and outdoor structure builders
- Insulation contractors
- Demolition contractors
- Glass and glazing contractors
- Welding and metal fabrication businesses
- Well drilling and pump service companies
- Septic system installers and service companies
- Tree service and arborist companies
- Pressure washing and exterior cleaning businesses
- Pool and spa installation contractors
- Fireplace and chimney contractors
- Cabinet installation and finish carpentry contractors
- Solar panel installation contractors
- Waterproofing and foundation repair specialists
- Junk removal and demolition debris haulers
Even if your trade isn’t listed here, you should still get in touch with us since we do work with insurance companies that have a good understanding of the risks involved in the construction and trades sectors. In most cases we are able to secure coverage for your particular business, even if that business is in a specialised or emerging field.
Why Specialty Trade Contractors in Iowa Need the Right Coverage
General, one-size-fits-all business insurance does not take into account the actual day-to-day activities of a particular trade, and this can result in serious gaps in coverage at the very times when a claim is most likely to happen. The construction and trade services sector in Iowa is still expanding in metropolitan areas including Des Moines, Cedar Rapids, Davenport, Iowa City, and Sioux City, with consistent demand for skilled trade services throughout the state. At present, many general contractors, property managers, municipalities, and homeowners in Iowa ask for proof of insurance before employing any contractor, no matter what their specialty is. If you do not have the appropriate coverage, a single event such as a property damage claim, an employee injury, or a lawsuit could place your whole business at risk, whatever trade you are in.
Core Types of Insurance Most Iowa Contractors Need
General Liability Insurance
Almost all contractors in Iowa, irrespective of the type of work they do, have general liability insurance as a basic requirement. This type of insurance provides coverage for third-party bodily injury and property damage such as when your work causes damage to a client’s property or when someone is injured nearby at your worksite. In the state of Iowa, the majority of general contractors, property managers, and municipal authorities require a certificate of insurance that proves active general liability coverage before any work starts, regardless of the specific specialty.
Workers’ Compensation Insurance
Iowa law mandates that most businesses which have employees must have workers’ compensation insurance, no matter what type of business it is. If your job involves the use of heavy equipment, ladders, chemicals, or is merely based on repetitive physical work, workers’ comp will pay for the injured employee’s medical bills and lost wages and also protects your business from the associated lawsuits.
Commercial Auto Insurance
So if your business makes use of trucks, vans or trailers for transporting tools, materials or equipment from one job site to another, your personal auto policy will probably not provide coverage for accidents that occur when the vehicles are being used for business purposes. It is commercial auto insurance that covers your vehicles, the drivers and any third parties who are involved in an accident, no matter what you are carrying.
Tools and Equipment Coverage (Inland Marine)
Almost all trades make use of tools and equipment which are costly to replace and are frequently stolen from the jobsite. Inland marine insurance covers your tools and equipment no matter whether they are in a vehicle, in storage or on an active jobsite thus being a valuable extra matter of fact for anyone in the trade.
Professional Liability Insurance
Professional liability insurance can be of assistance in covering claims in which your advice or recommendations result in a client suffering a financial loss, rather than involving physical injury or damage to property, provided that your work includes making design recommendations, giving consulting, or exercising professional judgment in addition to carrying out hands-on labour.
Umbrella Insurance
An umbrella policy goes beyond the liability coverage offered by your general liability and auto policies and gives you additional protection should a large claim have to be made it is a wise thing to have as your business increases, no matter what type of trade you are in.
How much does contractor's insurance cost for specialty trades in Iowa?
The price you pay will vary according to the type of trade you are in, your payroll, your annual revenue, the number of years your business has been operating, and your claims record. Trades that involve greater risk such as working at heights, using heavy machinery, or handling hazardous materials generally have higher premiums than less risky service-oriented trades. The only way to find out your actual cost is to get a personalised quote which takes into account exactly what your business involves. When you bundle your policies which means combining general liability, workers’ comp, and commercial auto you usually end up saving money and also simplify the renewal process, no matter what your specialty is.
Serving Contractors of All Trades Across Iowa
We provide assistance to contractors in a wide variety of specialties all over Iowa, such as those in Des Moines, Cedar Rapids, Davenport, Iowa City, and Sioux City, as well as in Waterloo, Council Bluffs, Ames, West Des Moines, Dubuque, and other smaller towns throughout the state. If your profession is something common or a more specialized field that isn’t mentioned elsewhere on our website, we customise our coverage to suit your business rather than using a one-size-fits-all approach.
Why Work With Iowa Contractors Insurance?
- We have extensive experience in the field. Since we deal with contractors in dozens of different specialties, we know that each trade has its own particular risks.
- Policies that are flexible and customized. The coverage is based on the real activities of your business, not on a standard template which has gaps.
- We can provide insurance certificates quickly. If you need one in order to win a bid or begin work tomorrow, we act swiftly.
- Offer competitive, bundled prices. You can save a lot by taking out general liability, workers’ compensation, and commercial auto coverage together.
- Straightforward, honest advice. No jargon and no trying to sell you coverage you don’t need. Just clear answers to your questions, no matter what your job is.
Do not wait for an accident to occur among the uninsured to place your business at risk simply because your type of business had not been the first one to be considered. One claim can end up costing considerably more than all the premiums paid over a number of years.
Call 952-222-8073 right now to have a free consultation and to obtain a quick, no-obligation quote that’s tailored to your particular business. This will ensure that you are properly covered and thus be able to continue growing your business all across Iowa with confidence.
Frequently Asked Questions
We do work with carriers who provide coverage for a wide variety of construction and trade specialties, and in most instances we’ll be able to find or arrange coverage that’s suitable for your particular business, even if it’s not listed on one of our specific trade pages.
Generally, the answer is yes. Under Iowa law, most businesses which have employees are required to take out workers’ compensation insurance, irrespective of the particular trade or specialty. There are, however, exemptions for sole proprietors and some family members, so it is advisable to check your particular case with a qualified agent.
In most cases, the answer is yes. It is possible for even those trades which at first glance seem to be of low risk to come up against considerable liability property damage, injury to a client, or a dispute with a dissatisfied customer can occur in almost any kind of business. Moreover, many clients and general contractors in Iowa require to see proof of insurance before they will hire someone, no matter what the trade is.
Generally, once your policy is active, COIs can be issued on the same day or within one business day, no matter what your trade is. If you have a forthcoming bid or a start date, please let us know immediately so that we can give priority to sending your COI to the required place.