Business Owner Insurance in Des Moines, IA – The Insurance Specialists Inc. helps protect local businesses like this flower shop owner

Protect Your Business. Secure Long-Term Success.

One unexpected event—that’s all it takes to disrupt your business. Whether it’s property damage, theft, or an income-halting interruption, setbacks like these can put your entire operation at risk.

That’s why having the right insurance isn’t just a formality—it’s a foundation for long-term stability.

Our Business Owner Insurance plans are tailored to help you recover quickly, protect what you’ve built, and keep your business running strong.

This isn’t just liability coverage. It’s full-spectrum protection designed to help your business stay one step ahead. Your policy can include:

  • 1

    Property protection – for damage or loss due to fire, vandalism, or theft

  • 2

    Business income coverage – to recover lost revenue during unexpected closures

  • 3

    Disruption safeguards – to help navigate operational pauses caused by natural disasters or unforeseen events

With Iowa’s unpredictable climate and the challenges businesses face today, this kind of comprehensive insurance gives you the resilience to keep moving forward.

If you’re in Des Moines or the surrounding Iowa communities, we’re here to help protect your business like it’s our own.

👉 Ready to safeguard your business? Get a fast, personalized quote from The Insurance Specialists Inc. today.

Custom Insurance Plans Built Around Your Business

At The Insurance Specialists Inc., we know every business is different—and so are the risks you face. That’s why we don’t believe in one-size-fits-all coverage.

Instead, we work with top-rated insurance providers to create tailored plans that reflect the real needs of Iowa business owners, all at competitive rates.

Whether you’re just getting started or managing a growing operation, our custom insurance solutions help protect what matters most. Here’s what your coverage can include:

  • Liability Insurance – Shields your business from costs related to third-party claims, such as bodily injury or property damage resulting from your operations

  • Property Protection – Covers buildings, inventory, and equipment from losses caused by fire, theft, vandalism, and more

  • Business Income Coverage – Helps you recover lost income if operations are interrupted by unexpected events like a natural disaster

  • Employee Coverage – Provides medical care and wage replacement for employees injured while performing their duties

  • Commercial Auto Coverage – Protects company-owned or operated vehicles from accident-related damages, repairs, and liabilities

  • Cyber Liability Coverage – Safeguards your business against data breaches, cyberattacks, and other threats online that could disrupt operations or compromise sensitive information

No matter the size or type of your business, we’re here to build coverage that fits—not just on paper, but in real life.

Why Choose The Insurance Specialists, Inc.

Choosing the right insurance partner is vital for safeguarding your business. Here’s why we stand out:

Specialized Business Insurance Guidance

Our seasoned Iowa insurance experts bring years of specialized knowledge to help you find the best coverage for your business.

Personalized Insurance Solutions

We create custom insurance plans designed to meet the specific risks and needs unique to your business.

Cost-Effective and Competitive Pricing

Through our partnerships with leading insurance carriers, we guarantee that you obtain exceptional value with affordable rates for your business coverage.

Trusted Partnerships for Reliable Coverage

Our strong relationships with leading insurance companies mean you can trust us to secure dependable coverage tailored for your business.

Business Owner Insurance FAQ

We know that understanding business insurance can be essential but sometimes confusing, so we’ve compiled answers to the most frequently asked questions. Whether you’re just starting your business or have been running it for years, these FAQs will help explain your coverage options and guide you through selecting the right protection for your business with confidence.

Business Owner Insurance is a type of policy designed to cover both liability and property-related risks that businesses face. It provides protection against various potential issues, like property damage, lawsuits, or disruptions to business activities.

Small to mid-sized businesses, including retail shops, restaurants, and contractors, typically need Business Owner Insurance to cover common risks related to running a business.

A typical Business Owner Insurance policy covers property damage, general liability, business interruption, and sometimes additional coverage like equipment breakdown or cyber liability.

Yes, many insurers offer flexible options so you can add or adjust coverage to fit your business’s specific needs, like adding professional liability or increased coverage limits.

The cost depends on factors like the size of your business, the industry, location, and coverage options. It’s usually affordable and provides essential protection for business operations.

No, employee injuries are typically covered by a separate Workers’ Compensation policy, not by a Business Owner Insurance policy.

Businesses of various sizes, especially small to mid-sized ones, often qualify for this insurance. However, factors like your industry, annual revenue, and number of employees may influence eligibility. It’s best to consult with an insurance specialist to determine if this policy fits your specific needs.

Standard Business Owner Insurance doesn’t typically cover professional liability (errors and omissions), but you can often add this coverage as an endorsement or purchase a separate policy.

A BOP combines general liability with property coverage, while CGL only provides liability protection. A BOP offers more comprehensive coverage by including property protection.

Yes, you can adjust your coverage as your business expands, whether by increasing limits or adding coverage for new risks that arise with growth.

Our Other Commercial Insurance Services

Discover our selection of customized commercial insurance solutions crafted to address the varying needs of business owners. Click the links below to explore each service and identify the coverage that aligns best with your business requirements.

  • Contractors’ General Liability Insurance: Protect your business from financial risks associated with third-party claims, including bodily injury, property damage, and legal costs.

  • Commercial Auto Insurance: Get essential coverage for your business vehicles, safeguarding them from accidents, theft, and other risks on the road.

  • Commercial General Liability Insurance: Protect your company from a variety of potential issues, such as third-party claims involving injuries, damage to property, and related legal fees, helping your business stay secure in the face of unexpected situations.

  • Trucking Insurance: Ensure your trucks and drivers are protected with specialized coverage tailored for the trucking industry.

  • Bonds: Secure surety bonds for your business to guarantee the completion of projects and compliance with regulations.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

Customer Ratings & Reviews

Why our clients love us