Cover your Iowa business in a few clicks.

Simple process. Affordable price. 70+ industries & growing.

Iowa Businesses We Cover with Workers’ Comp Insurance

Iowa Businesses We Cover with Workers' Comp Insurance

Food & Beverage

Bars, Bistros, Cafeterias/Buffets, Candy Stores, Caterers, Coffee Shops, Doughnut Shops, Fast Casual, Fast Food, Fine Dining, Health Supplement Stores, Juice Shops, Tea Houses, Taverns and Nightclubs

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Tech Services

Data Processing, Ecommerce, Hosting, Graphic Design, Network Installation/Repair, Office Machine Installation/Repair, Programming, Strategy & Management Consulting Services, and Software/Web Development (includes SOLOpreneuers!)

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Legal Services

Athlete/Actor/Entertainer Agents, Court Reporters, Lawyers & Attorneys at Law, Notaries and Transcription

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General Retail

Bakeries, Beer/Wine/Liquor Stores, Butcher/Meat Markets, Convenience Stores/Gas Stations, Discount Stores, Fish, Seafood, Fruit & Vegetable Markets, Grocery Stores, Laundromats, Pet Stores, Pharmacies/Drug Stores, Specialty Food Stores

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Educational Services

Computer Training, Cosmetology/Barber Schools, Exam Preparation/Tutoring, Fine Art Schools, Language Schools, Libraries/Archives, Management Training, Professional Training, & Translation/Interpretation Services

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Microbreweries (less than 15,000 barrels produced per year) & Wine Making (no growing or production of grapes/fruit)

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Personal Services

Barber Shops/Salons, Cemeteries/Mausoleums, Crematoriums, Funeral Homes, Interior Design, Pet Kennels/Groomers, Photography/Photofinishing, Gyms, Nail Salons, Self-Storage, Tanning Salons, Tattoo/Piercing, and Wedding/Event Planners

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Clothing Retail

Bridal Stores, Clothing Stores, Dry Cleaners, Formal Wear/Costume Rentals, Luggage & Leather Goods Stores, Shoe Retail/Repair, and Tailor Shops

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Personal Product Retail

Art Galleries/Stores, Auto Parts, Beauty/Cosmetics, Bike Stores, Bookstores, Camera/Photo Supplies, Cell Phone Retail/Repair, Computer Stores, Jewelry Stores, Musical Instruments, Sporting Goods , Tobacco/Vaping & Video Games

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Medical Professions

Blood Banks, Dental Labs, Dentists/Orthodontists, GP/Medical Specialists, Kidney Dialysis Centers, Medical Diagnostics & Testing, and Veterinarians

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Architecture & Engineering Services

Architects & Drafting, Engineering, Surveyors, & Window Treatment Stores (we do not cover construction contractors or trucking companies)

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Financial Services

Accounting, Auditors, Banks/Credit Unions, Bookkeeping, Collection Agencies, Financial Advisors/Trust Companies, Mortgage & Loan Brokers, Payroll Services, Tax Preparation, Title & Title Insurance

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Scientific Services

Scientific Research & Development/Consulting, Technical Consulting, & Environmental Consulting

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Office, Home, & Garden

Hearing Aid Stores, Hobby/Craft/Art Stores, Gift/Novelty Stores, Florists, Floor Covering Stores, Mailing/Packaging Stores, Models/Toy/Games, Office Supplies, Optical Stores, Paint/Wallpaper Stores, Perfume Stores, Plumbing & Taxidermists

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Therapeutic Services

Acupuncture, Chiropractors, Mental Health Practitioners, and Physical & Occupational Therapy

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Workers' Compensation for Iowa Businesses

Worker’s comp insurance for the Hawkeye State.

Iowa, the first to vote in the presidential primaries, home to the first female lawyer and the first woman to complete the Indy 500 and the Daytona 500, the first to ban “separate but equal” schools, and the first bread-slicing machine, which we think is pretty great.

Iowa is also first in the nation in corn and grain production, which is no surprise, but the Hawkeye state is also tops for pork, soybeans, eggs, turkey and dairy, representing about 7% of the nation’s food supply. Renewable energy is an emerging market. Think of all those flat prairies with giant wind farms and waving fields of wheat and corn. What may be surprising is the abundance of tech jobs in Iowa, especially with data centers of big-name companies like IBM, Microsoft and Google. Here, even the most rural areas enjoy fiber-optic connectivity. And, what else would be manufactured in Winnebago County but, well, Winnebagos! Coincidence? We think not.

Small businesses provide 646,525 jobs and hire about 48.3% of the state’s workers in 267,733 companies, which is about 99.3% of all Iowa businesses. Iowans enjoy a very low unemployment rate too! From agriculture exporting, to business services, to entertainment, to health services, Iowa small business are the heart of the state’s economy.

Birthplace of Hollywood’s favorite pardner, Marion Robert Morrison, aka John Wayne, Donnabelle Mullenger, aka Donna Reed, and it’s where “the music died,” the site of the 1959 plane crash of The Big Bopper, Ritchie Valens and Buddy Holly. The Holliwell Bridge from the 1995 movie “The Bridges of Madison County,” along with five other covered bridges, are found in Iowa. RAGBRAI, the largest bike tour in the world, pedals across Iowa and has been through 99 counties and 780 towns. Glaciers covered Iowa about 14,000 years ago, and residents in the Mahaska County area can’t help stumbling upon woolly mammoth and giant sloth bones.

Workers’ comp insurance is a requirement in Iowa, but it protects you, the small business owner, when your prep chef gashes a thumb slicing onions for your famous Maid-Rite sandwiches or the stovetop popcorn competition in the break room results in burns and slips on the popcorn explosion covering the floor. Things happen, and that’s why you want Cerity in your corner. Cerity, providing affordable and easy workers’ comp coverage for Iowa’s best small businesses!

Iowa Statistics*

*2017 business stats provided by the Bureau of Labor Statistics


number of Iowa residents employed by small businesses


number of workplace injuries

15.1 billion

annual bushels of corn produced


percentage energy from wind power

200 million

gallons of Blue Bunny ice cream produced annually

Explore commonly asked questions about business type, industry and state.

To put it simply, your business is covered. Just like that.In most cases, all of your employees are covered by workers' compensation insurance, including subcontractors (given they provide you a Certificate of Insurance). However, a Certificate of Insurance (COI) isn't a guarantee of coverage (policy may have cancelled since issuance). You should request periodic COIs throughout the contract.
Workers' compensation insurance provides all state required benefits, including reasonable and necessary medical treatment and wage replacement, for employees injured in the course and scope of employment.
In most states, it’s required for small business owners to obtain workers’ compensation coverage. In the event that an employee is injured in the course and scope of your employment, workers' compensation insurance protects you from costly lawsuits and provides state required compensation for the employee, including lost wages and medical expenses.
The estimated premium is based on estimated payroll (at the beginning of the policy). The final premium is based on actual payroll (at the end of the policy) for the policy period (usually 12 months). In the event your payroll changes, we'll work with you on adjusting your policy.
Yes, the workers' compensation policy covers all of your employees. Significant changes to your payroll should be reported to Cerity. This will help mitigate having a large additional premium due at the end of your policy period.
Cerity is a data-services company that is a licensed insurance producer that provides comprehensive workers' compensation insurance for American businesses. In less than five minutes, a small business owner can have a quote and can be protected as soon as the next day. In other words, your business is covered. Just like that. We are backed by Employers Holdings, Inc., a workers' comp industry veteran of over 100 years, EHI is reimagining how to purchase workers compensation insurance.
You do not need any documents to apply - we told you it was simple! All you need to obtain a quote is tell us a few quick things about your business and we should be able to get you a quote.