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Find Commercial Insurance Agents Near You in Waterloo, IA

Browse commercial insurance agents serving Waterloo, Iowa. Updated 2026-07-14.

The top-rated commercial insurance agent in Waterloo, Iowa is VGM Insurance Services, rated 5.0 stars across 225 reviews. Other highly rated options include Christel Manson - State Farm Insurance Agent, PDCM Insurance, The Sinnott Agency. This directory lists 20 commercial insurance agents serving Waterloo.

Showing 20 commercial insurance agents in Waterloo, IAListings are displayed in no particular order and are not ranked. Order does not constitute a recommendation or endorsement.

Comparison

Top 10 listings
#NameAddressPhone
1VGM Insurance Services1111 Van Miller Wy(800) 362-3363
2Christel Manson - State Farm Insurance Agent1935 E Ridgeway Ave(319) 232-6630
3PDCM Insurance3022 Airport Blvd(319) 234-8888
4The Sinnott Agency622 W 4th St(319) 233-6103
5Farmers Insurance - Zachary Goodwin2747 University Ave(319) 243-1111
6Gallagher Insurance, Risk Management & Consulting2945 Airport Blvd(319) 433-1098
7Farm Bureau Financial Services: Beau Jorgensen3315 W 4th St(319) 234-2000
8Farm Bureau Financial Services: Andrea McKenzie3315 W 4th St(319) 348-3800
9State Farm Insurance974 Home Plaza(319) 236-1512
10Tjernagel Insurance2920 Falls Ave(319) 235-6719
VI
1111 Van Miller Wy
VGM Insurance Services
Commercial Insurance Agent · Waterloo, IA

VGM Insurance Services in Waterloo, Iowa, offers a broad range of commercial insurance options for local businesses. The agency assists clients with property and casualty coverage, general liability policies, and workers’ compensation plans. It provides ongoing service and policy reviews to help ensure coverage adapts to changing operational needs. VGM Insurance Services serves a variety of properties, including single-family homes, apartment complexes, retail stores, and full-service restaurants.

CM
1935 E Ridgeway Ave
Christel Manson - State Farm Insurance Agent
Commercial Insurance Agent · Waterloo, IA

Serving Waterloo, Iowa, and the surrounding communities of Cedar Falls, Evansdale, and Hudson, Christel Manson - State Farm Insurance Agent handles commercial insurance for small to mid-sized businesses. It addresses general liability, property, and workers' compensation coverage requirements. The agency evaluates each client's daily operations, risk exposure, and inventory to recommend appropriate policy limits and deductibles. To handle a typical job, it first reviews the client's current operations and loss history, then presents coverage options tailored to their specific industry needs and budget constraints.

PI
3022 Airport Blvd
PDCM Insurance
Commercial Insurance Agent · Waterloo, IA

As spring storms gather over the Cedar Valley, local businesses face increased liabilities from wind and hail damage. PDCM Insurance, based in Waterloo, IA, helps commercial clients assess their property and general liability exposures to ensure adequate coverage for seasonal risks. The agency delivers tailored policies covering buildings, equipment, and business interruption. Each new client engagement begins with a thorough on-site inspection of premises and inventory to identify unique hazards and verify accurate replacement valuations.

SA
622 W 4th St
The Sinnott Agency
Commercial Insurance Agent · Waterloo, IA

The Sinnott Agency, in Waterloo, Iowa, is known for connecting area businesses with appropriate commercial insurance agent services. The agency’s work involves assessing liability, property, and workers’ compensation needs for small to mid-sized firms. Local clients rely on consultations that identify exposures specific to their industry and scale. Comprehensive policies from multiple carriers help protect assets and operations. A specialty service the agency can add on is providing tailored coverage for independent contractors and family-run enterprises.

FI
2747 University Ave
Farmers Insurance - Zachary Goodwin
Commercial Insurance Agent · Waterloo, IA

Farmers Insurance - Zachary Goodwin serves homeowners, businesses, and property managers in Waterloo, Iowa, by providing commercial insurance coverage tailored to local operational risks. The agency works with clients to address property, liability, and income protection needs specific to the region’s economic environment. It assists with policy selection, risk assessment, and claims guidance for various commercial enterprises. The company also extends its services to neighboring Cedar Falls, helping additional business owners in the Cedar Valley metro area secure appropriate coverage.

GI
2945 Airport Blvd
Gallagher Insurance, Risk Management & Consulting
Commercial Insurance Agent · Waterloo, IA

Gallagher Insurance, Risk Management & Consulting in Ames, IA provides residential insurance options to protect local homeowners and their properties. The firm also offers commercial insurance agent services for area businesses, securing coverage for liability, property, and operational risks throughout the surrounding region. Clients are served across a wide range of industry needs with a focus on tailored policy solutions. After an initial policy set up, agents remain available to review coverage and adjust plans during regular visits or upon a client’s request for a follow-up consultation.

FB
3315 W 4th St
Farm Bureau Financial Services: Beau Jorgensen
Commercial Insurance Agent · Waterloo, IA

Farm Bureau Financial Services: Beau Jorgensen in Waterloo, Iowa, assists businesses with either one-time policies for short-term projects or recurring commercial coverage for ongoing operations. Their work includes crafting insurance plans that address local commercial risks and regulatory requirements common to area enterprises. Whether a company needs annual policy renewal or a quick certificate of insurance, the agent manages both scheduled reviews and as-needed service visits at the clients’ convenience.

FB
3315 W 4th St
Farm Bureau Financial Services: Andrea McKenzie
Commercial Insurance Agent · Waterloo, IA

When a Waterloo farm transitions from grain to livestock or a downtown business expands its liability coverage, Farm Bureau Financial Services: Andrea McKenzie helps local commercial clients adjust their policies for these seasonal shifts. As a Commercial Insurance Agent, Andrea assesses property, liability, and business interruption exposures common to the region’s agribusinesses and main street shops. After reviewing a client’s current coverage, she arranges a detailed on-site inspection of the operation to identify any gaps or new risks before recommending changes.

SF
974 Home Plaza
State Farm Insurance
Commercial Insurance Agent · Waterloo, IA

State Farm Insurance in Waterloo, Iowa offers commercial insurance services including general liability and property coverage for local businesses. It also assists with workers’ compensation and commercial auto policies to protect company vehicles and employees. The agency helps clients assess risks specific to their industry and adjust coverage as operations grow. During winter months, it helps businesses secure protection against weather-related disruptions that can impact storefronts, delivery schedules, and equipment functionality.

TI
2920 Falls Ave
Tjernagel Insurance
Commercial Insurance Agent · Waterloo, IA

Serving Waterloo, Iowa, and the surrounding communities, Tjernagel Insurance handles commercial insurance needs for local businesses. The company works with clients to assess risks and secure appropriate coverage for various operations and liabilities. It offers policies that address property, general liability, and other essential protections sought by area enterprises. For a typical assignment, Tjernagel Insurance reviews the business’s specific exposures, then compares options from multiple carriers to match coverage with the client’s budget and operational requirements.

SI
3680 University Ave Ste B
Shelter Insurance - Jeff Gudenkauf
Commercial Insurance Agent · Waterloo, IA
(319) 235-8090
shelterinsurance.com/CA/agent/JEFFGUDENKAUF
FJ
3265 W 4th St
Fish-Johnson Insurance Agency
Commercial Insurance Agent · Waterloo, IA
(319) 233-3335
fishjohnsonins.com
EH
611 Ansborough Ave
Elliott Hartman Agency
Commercial Insurance Agent · Waterloo, IA
(319) 233-8459
elliotthartman.com
WB
350 E Ridgeway Ave
Walter Burtis American Family Insurance
Commercial Insurance Agent · Waterloo, IA
(319) 300-3202
amfam.com/agents/iowa/waterloo/walter-burtis
YI
1010 E Mitchell Ave #2
Yarwood Insurance Agency Inc.
Commercial Insurance Agent · Waterloo, IA
(319) 233-8463
yarwoodins.com
BL
1850 W Ridgeway Ave Ste 3
Bankers Life
Commercial Insurance Agent · Waterloo, IA
(319) 277-5173
branches.bankerslife.com/ia/waterloo/1850-w-ridgeway-ave
VI
1827 Ansborough Ave
Veridian Insurance
Commercial Insurance Agent · Waterloo, IA
(800) 235-3228
veridiancu.org/personal/insure
KI
1425 W 5th St Ste 2
Kvale Insurance
Commercial Insurance Agent · Waterloo, IA
(319) 833-9428
kvaleinsurance.com
BI
3222 Kimball Ave ste b
BankIowa Insurance
Commercial Insurance Agent · Waterloo, IA
(319) 232-4571
bankiowainsurance.com
GP
2913 Falls Ave
Gene Pint & Associates
Commercial Insurance Agent · Waterloo, IA
(319) 234-8936
americannational.com/agent

What Does a a Commercial Insurance Agent in Waterloo Cost?

Commercial insurance costs in Iowa vary by business type size and location. A small retail shop in Waterloo might pay 500 to 1500 dollars per year for general liability. A construction contractor could pay 3000 to 8000 dollars annually for a package policy. Factors like payroll revenue and claims history affect premiums. This is general information not insurance advice.

About commercial insurance agents in Waterloo

Commercial insurance agents in Waterloo Iowa help business owners find policies that meet state requirements and local needs. Iowa law requires certain businesses to carry workers compensation insurance if they have employees. An agent can explain coverage for liability property and vehicle risks specific to Black Hawk County.

Frequently Asked Questions

What types of commercial insurance are common for Waterloo businesses?

Common types include general liability property insurance commercial auto and workers compensation. Iowa law mandates workers comp for most employers with one or more employees. Agents also offer professional liability and cyber insurance.

How does Iowa law affect commercial insurance requirements?

Iowa Code section 85.1 requires workers compensation coverage for most employers. Businesses must also carry liability insurance for vehicles used for work. An agent can help you understand these legal obligations for your Waterloo operation.

Can a commercial insurance agent help with a business startup in Waterloo?

Yes agents assist new businesses by reviewing risks and finding appropriate coverage. They can bundle policies to save money and ensure compliance with Iowa regulations. Startups often need general liability and property insurance from day one.

Commercial Insurance Agents in Other Iowa Cities

Listings are compiled from publicly available information. Inclusion does not constitute endorsement. Verify each commercial insurance agent's credentials and current standing with your state Department of Insurance.