Premier Contractors

As a contractor you understand the difference between custom built and stock items. Sometimes stock items are fine. But when the job calls for something more unique, you need custom built. Business insurance is the same way. You can get the same type of basic insurance from a number of companies. Or, you can get a custom-built Premier Contractors Program from Iowa Mutual Insurance Company and your Iowa Mutual agent.

Here are a few of the advantages of an Iowa Mutual Premier Contractors plan

Tailored For Contractors
The Premier Contractors Program is designed with you in mind, so it fits your needs as a contractor.

Unique To The Market
Our Premier Contractors Program packages a number of coverages that stand apart from the rest.

High Quality and Value
You’re only as good as your materials, so Iowa Mutual offers quality products at affordable rates. Plus, the premium you pay for this program is significantly less than the cost of purchasing all of the coverages separately.

Enhanced Coverage
Your Iowa Mutual agent can help you lay the foundation for complete protection with the Iowa Mutual Premier Contractors Program and you’ll receive these enhanced coverage options.

• Tool Floater - $5,000 or $10,000
• Contractors Installation Floater - $5,000 or $10,000
• Rented/Leased Equipment - $50,000 or $100,000
• Additional Insureds Lessor of Leased Equipment—automatic status when required in lease agreement with you
• Additional Insured—Automatic Status by Contract Agreement or Permit
• Aggregate limits of insurance per project
• Business Personal Property - $5,000

• Business Income and extra expense- Actual Loss Sustained
• Voluntary Property Damage--$5,000 or $10,000
• Contract Penalty - $5,000
• Valuable Papers and Records - $5,000 or $10,000
• Accounts Receivable - $5,000 or $10,000
• Pollution Coverage - $10,000
• Professional Liability Coverage - $25,000

The following additional coverages are available

• Umbrella
• Crime
• Property
• Workers’ Compensation

Your business may qualify for Iowa American in Property, Liability, Auto, Garage Repair Shops, and Workers’ Compensation.

 

Employment law can be a confusing topic, and there have been many changes over the years. That's why Iowa Mutual includes Employment-Related Practices Liability Insurance (EPLI) coverage with our Premier Contractors policy. And, we're here to help with answers to many of your employment practices questions.

Included with Iowa Mutual's EPLI policies is 24/7 access to our online EPLI HELPLINE Support and Resource Center. Your username is your Iowa Mutual commercial policy number (AxxxxxxxMN, CCxxxxxxMN or CPxxxxxxMN).

 

As a businessowner, you know the value of hiring the right people with the right skills to help make your business successful. Although you can't really know if that candidate for your newest job opening is the one, you can help reduce the risk of hiring someone with a criminal record by performing a criminal background check.

Fast, easy, affordable background checks
As an Iowa Mutual policyholder, you can help reduce your exposure to some of the uncertainty that comes with the hiring process. Iowa Mutual Insurance has teamed up with IntelliCorp Records Inc. to provide customers with pre-employment background checks at a reduced cost.

A leading national provider of background checks, IntelliCorp has packaged some of its most popular products at a reduced rate, which include:

• Nationwide Criminal Search
• 50-State Sex Offender Registry
• Social Security Address Check
• Terrorist Search – Identifies people and organizations involved in terrorism and international narcotics.
• Assists in meeting OFAC requirements.
• One Single-County Check – Criminal records held at a county-seat level that generally include felony and/or misdemeanor records. Useful when a more comprehensive and/or current database search is necessary.

 

It's easy to get started. Simply visit IntelliCorp's Web site and follow the registration instructions. To receive your reduced-cost pre-employment background check, enter promo code MIGIM when prompted.

 

You have a lot to deal with just in the day-to-day operations of your business, and you might not have the time or resources to stay up to date with new federal regulations designed to protect your customers from identity theft.

The new stipulations are part of the Fair and Accurate Credit Transactions Act of 2003, and require businesses offering any kind of "covered account" or payment account to create their own identity theft "Red Flag" plan—or warning signs that indicate possible identity theft.

We're presenting informational resources to you in the form of a planning guide and frequently asked questions that can help you create your unique Red Flag plan.

 

The regulation defines a covered account as:

• An account primarily for personal, family or household purposes that involves or is designed to permit multiple payments or transactions, or;
• Any other account for which there is a reasonably foreseeable risk to customers or the safety and soundness of the financial institution or creditor from identity theft.

 

Because your business’ needs are unique, your plan will need to be tailored to your operation. You should consult legal counsel or your business association about specific issues of your plan.

 

 

No coverage is provided by this website. This website only illustrates coverages offered under Iowa Mutual’s Premier Contractors program. It is not a statement of all policy coverages, provisions, conditions or changes. Certain deductibles, provisions and limits may apply. Please see your Iowa Mutual agent for a complete listing of policy coverages and provisions. If there is a conflict between this website and the policy, the policy provisions shall prevail.