Property

Iowa Mutual’s Premier Property Endorsement offers a package of commercial property coverages that enhance industry-standard forms in better fit a particular insured’s loss exposures.

As you consider Business Insurance with Iowa Mutual, the information on this page will answer some of your basic questions about our policy. Your Iowa Mutual agent can help you better understand the policy and how it can be designed to fit your needs.

Coverage	Premier Property Endorsement
Buildings	1,000 ft. *
Business personal property	1,000 ft. **
Debris removal	30%/$15,000 limit
Preservation of property	60 days
Fire department service charge	$3,000
Reward coverage	$5,000
Security guard coverage	$5,000
Lock replacement	$500 (no deductable applies)
Fire extinguisher recharge	no limitation
Money and securities	$5,000
Business income	$25,000 (includes extra expense)
Newly acquired or constructed property	$500,000
Personal effects and property of others	$10,000 (no theft coverage for personal effects owned by you, your officers, your partners or your employees)
Valuable papers	$10,000
Property off-premises	$25,000
Outdoor property	$25,000/$500 for any one shrub, tree or plant
Accounts receivable	$25,000
Signs attached to a building	Included in the building limit.  If the insured is a tenent the business personal property limit applies.
Water backup	$10,000
False pretense	Covered for values less than $500
Glass	Covered ***
Furs, jewelry, patterns, dies and molds	$5,000 *
Personal property in-transit	$10,000 (Property more than 1,000 ft. from the premises)
Computer coverage	$10,000
Ordinance or law coverage	$50,000
Appraisal coverage	$2,000 is provided for expenses to comply with appraisal loss condition.
Inventory and appraisal	$2,000

* When a building is insured

** When Business Personal Property is insured

*** Coverage is provided for all exterior and interior glass. The building limit of insurance applies. If the insured is a tenant, the business personal property limit applies

 

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.