Workers compensation helps your employees get medical care and replace lost wages after a job-related injury, so they can focus on recovering and you can keep your business running. It also protects your business from the cost of workplace injury claims. Unified Insurance Solutions in Clive helps employers find coverage that fits their payroll, industry, and growth plans.
Iowa requires most businesses with one or more employees to carry workers compensation insurance. The state does allow limited exemptions, such as certain agricultural and domestic workers, and sole proprietors, partners, and LLC members are not automatically covered. These rules can be complex, so we help you understand where your business stands and whether owners should be included on the policy.
Workers compensation premiums are based on your payroll, the type of work your employees do, and your claims history. Accurate job classifications and a strong safety program can help keep costs in check. We compare options from multiple carriers to find the right fit for a small office staff or a busy job site crew.
Workers compensation covers your employees, while General Liability Insurance covers injuries to customers and visitors. If your team drives for work, Commercial Auto Insurance can round out your protection. Explore our full range of Commercial Insurance to see what else fits.
Hiring your first employee or adding to your crew? Unified Insurance Solutions helps employers across the Des Moines metro and in Nebraska, Minnesota, Missouri, and Arizona set up the right coverage. Start with our online quote request, or contact our Clive office at 515-978-8592 to review your payroll and job classifications with a local agent.
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