Automobile

At Iowa Mutual, we know that having an automobile policy is crucial for your business. We also believe it's important that you know the protection your automobile policy provides. Please review the important coverage options on this page and discuss them with your Iowa Mutual agent. Working with an experienced Iowa Mutual agent is the best way to ensure you have the coverage you need.

Liability

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Protection against bodily injury and property damage claims

Damage to other cars
Damage to property of others
Court costs, legal expenses and bail bonds
Bodily injury/death of others

Doctor bills and hospital expenses
Funeral expenses

Medical Payments

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Uninsured Motorist Protection

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Physical Damage Coverage

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Optional Coverages

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Additional Protection Plans

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Premier Auto Endorsement

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Iowa Mutual's Premier Auto Endorsement provides a package of attractive coverage enhancements. Please review the important coverage options on this page and discuss them with your Iowa Mutual agent. Working with an experienced Iowa Mutual agent is the best way to ensure you have the coverage you need.

The Premier Auto Program may be written for any risk that qualifies for Iowa Mutual or Iowa American commercial auto coverage. The premium is not subject to Scheduled or Experience rating plans.
This endorsement in competitively priced at $250.

Coverage	Limit

Amended Fellow Employee Exclusion	The Fellow Employee Exclusion does not apply if you have workers’ compensation insurance in force covering all your “employees.”
Audio, Visual and Data Electronic Equipment	Amends audio, visual and data Electronic Equipment exclusions to allow coverage for permanently installed equipment and accessories.
DOC Coverage	Adds Drive Other Car Coverage for executive officers and their spouses.
Employers Non-Owned Auto Coverage	Adds employers non-owned auto liability coverage.
Equity Loan/Lease Protection	Pays the outstanding balance on an original loan or lease of a private passenger vehicle or light truck if it exceeds the ACV in the event of a total loss.
Fire Department Service Charge	Adds a Physical Damage Coverage Extension for $1,000 Fire Department Service Charge coverage.
Hired Auto Physical Damage	Includes up to $50,000 for hired autos for the same physical damage coverages provided by the policy.
Loss of Use Expenses	Adds a Physical Damage Coverage Extension for Loss of Use Expenses for Hired Auto Physical Damage for $50 per day, to a maximum of $1,500.
Newly Aquired or Formed Organizations	Broadens the WHO IS AN INSURED provision to include newly acquired or formed organizations for 90 days.
Personal Effects	Adds a Physical Damage Coverage Extension for $1,000 of Personal Effects, on an excess basis, in a covered auto that is stolen.
Supplementary Payments	Increases the limit for the cost of bail bonds from $2,000 to $5,000. Also, increases the limit for loss of earnings to assist in a claim or suit from $250 to $500.
Towing and Labor	Adds $50 Towing and Labor coverage for disablement of private passenger type vehicles.
Transportation Expense	Increases the Physical Damage Coverage Extension for Transportation Expenses from $15 per day/$450 maximum, to $50 per day/$1,500 maximum.

Help with pre-employment screenings

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No coverage is provided by this website. This website only illustrates coverages offered under Iowa Mutual’s Commercial Auto 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.