Iowa American

Iowa American Insurance Company offers competitive insurance coverages in commercial property, general liability, commercial auto and workers’ compensation for preferred classes of business. The target commercial client for Iowa American is the insurance risk that poses a low to medium hazard, and demonstrates desirable traits such as stability, a proven safety record, low turnover and experienced employees.

Iowa American is designed for the business that has been in operation several years and has a good reputation in the community. Property risks must be located in a protected fire class and be well-maintained. Appropriate updates for heating and cooling equipment, electrical wiring, plumbing and roofing will be required.

Underwriting Guidelines
Years in business: minimum of three years in operation
Loss ratio: three-year loss ratio, by line, of 50 percent or better
Hazard rating, by line: low to medium

The following additional coverages are available

• Umbrella
• Crime
• Property
• Automobile
• General Liability
• Inland marine

No coverage is provided by this website. This website only illustrates coverages offered under by Iowa American Insurance Company. 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.

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 Iowa American policies. 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.