Iowa General Contractor businesses pay $132–$528/month.
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| Location | Est. Monthly Rate | Get Quote |
|---|---|---|
| Des Moines | $139–$554/mo | Compare → |
| Cedar Rapids | $132–$528/mo | Compare → |
| Davenport | $129–$517/mo | Compare → |
| Sioux City | $121–$486/mo | Compare → |
| Iowa City | $132–$528/mo | Compare → |
| Polk County | $139–$554/mo | Compare → |
| Linn County | $132–$528/mo | Compare → |
| Scott County | $129–$517/mo | Compare → |
| Johnson County | $132–$528/mo | Compare → |
| Black Hawk County | $125–$502/mo | Compare → |
| Woodbury County | $121–$486/mo | Compare → |
| Dubuque County | $125–$502/mo | Compare → |
| Story County | $129–$517/mo | Compare → |
| Pottawattamie County | $121–$486/mo | Compare → |
| Dallas County | $139–$554/mo | Compare → |
General Contractor businesses in Iowa typically pay $132–$528/month for workers' compensation insurance. Rates vary by city, revenue, employee count, and claims history.
Yes — Iowa requires workers' compensation for most employers with at least one employee. General Contractor businesses that skip coverage face stop-work orders and personal liability.
Workers' Compensation Insurance covers employee medical bills, lost wages, and employer liability for workplace injuries. For General Contractor businesses, key covered scenarios include: Third-party property damage on a jobsite; Worker injury from fall or equipment; Subcontractor liability dispute.
Top exposures: (1) Third-party property damage on a jobsite, (2) Worker injury from fall or equipment, (3) Subcontractor liability dispute, (4) Tools and equipment theft.
Top carriers in Iowa for Construction & Trades businesses: The Hartford, Travelers, Liberty Mutual, Nationwide, Coterie, Thimble, CNA, and Employers. Use ERGO Next to compare coverage options from top-rated commercial carriers.
Yes — most General Contractor policies can be quoted, bound, and issued same-day. Your Certificate of Insurance is available immediately after binding.
Rate estimates reflect 2026 industry data adjusted for Iowa cost index. Content reviewed by My Digital Kube editorial team, licensed commercial insurance professionals.