The top-rated workers' compensation insurance agent in West Des Moines, Iowa is Crumes Insurance, LLC, rated 5.0 stars across 84 reviews. Other highly rated options include McCartan Insurance Group, Scott Insurance Services, Smith-Kenyon Insurance Resources, LLC - Des Moines. This directory lists 15 workers' compensation insurance agents serving West Des Moines.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Crumes Insurance, LLC | 950 Office Park Rd Ste 114 | (641) 799-2506 |
| 2 | McCartan Insurance Group | 640 S 50th St | (515) 633-2273 |
| 3 | Scott Insurance Services | 1100 Grand Ave | (515) 267-0405 |
| 4 | Smith-Kenyon Insurance Resources, LLC - Des Moines | 1200 Valley W Dr Suite 309 V-1 | (515) 259-7782 |
| 5 | Truckers Insurance Associates | 6400 Westown Pkwy Suite 100 | (515) 276-7704 |
| 6 | The Accel Group - West Des Moines | 7000 Vista Dr Suite 300 | (515) 223-1600 |
| 7 | Valley Junction Insurance Services | 509 5th St | (515) 277-5049 |
| 8 | Independent Insurance Agents of Iowa, Inc. | 4000 Westown Pkwy #200 | (515) 717-3214 |
| 9 | GuideOne Insurance | 1111 Ashworth Rd | (877) 448-4331 |
| 10 | Clemens Agency | 5725 Raccoon River Dr Suite 130 | (515) 868-0880 |
Crumes Insurance, LLC serves the metro area of West Des Moines, Iowa, as a workers' compensation insurance agent. The company helps local businesses secure coverage that addresses medical expenses and lost wages for employees injured on the job. It also assists employers in navigating claims procedures to promote smoother recovery and return-to-work processes. Crumes Insurance handles policy selection for various industries and offers guidance on risk management strategies to reduce workplace incidents.
McCartan Insurance Group provides tailored workers’ compensation insurance solutions for businesses in the West Des Moines area. Its services include risk assessment, policy placement, and claims management support. The firm offers ongoing service plans that involve regular policy reviews and updates to ensure compliance with changing state regulations. Clients also receive assistance with loss prevention strategies and payroll audits. The agency works with a variety of properties, including single-family homes, apartments, retail spaces, and restaurants.
Scott Insurance Services provides workers' compensation insurance agency services to employers in West Des Moines and the broader central Iowa area. The company handles the procurement of coverage designed to protect businesses from financial loss related to workplace injuries. It also assists clients with understanding their premium calculations and the requirements of Iowa state laws. For a typical client, Scott Insurance Services evaluates the specific risks of the business operation and then compares policy options from multiple carriers to secure a suitable plan.
Smith-Kenyon Insurance Resources, LLC in West Des Moines offers specialized workers' compensation insurance agent services, focusing on connecting local businesses with appropriate coverage options. The agency guides clients through the complexities of policy selection, helping them understand premium calculations and compliance requirements. As businesses in Iowa’s agricultural and construction sectors prepare for seasonal shifts in workforce and weather-related hazards, this agent assists with adjusting policies and managing claims related to winter injuries or spring hiring surges.
Truckers Insurance Associates in West Des Moines helps businesses distinguish between policies requiring a single premium payment and those with recurring, payroll-based adjustments. They focus on workers’ compensation coverage that satisfies Iowa’s regulatory requirements for employers who have employees. Coverage details are important here because it protects both the business and its workforce in case of workplace injuries. For ongoing accounts, needed service for policy review or claims support can be arranged on a scheduled or as-needed basis, depending on the client’s preference.
The Accel Group - West Des Moines assists businesses with their risk management needs by specializing in workers' compensation insurance coverage. This local agency helps employers navigate complex regulatory requirements and secure appropriate policies to protect their workforce. Services include policy evaluation, claims support, and loss control guidance tailored to reduce workplace injuries. The firm serves a variety of commercial sectors, including office environments, warehouse operations, and food service establishments.
As local weather shifts between wet springs and heavy winter snows, slip-and-fall injuries often increase among Iowa employees. Valley Junction Insurance Services helps West Des Moines businesses secure workers' compensation coverage that meets these seasonal workplace risks. The company assists employers in understanding how insurance responds to on-the-job injuries while keeping operations in compliance. Their agents review existing policies for gaps related to common physical labor claims in warehousing or construction. New client relationships begin with a thorough assessment of current payroll classifications and workplace hazards during an initial safety inspection.
Independent Insurance Agents of Iowa, Inc. in West Des Moines handles workers’ compensation insurance for local businesses. They assess specific workplace risks to match employers with appropriate coverage that meets regulatory requirements and protects against lost wages and medical expenses. Their services include policy review, claims assistance, and compliance guidance for various industries. As a specialized add-on, they offer consultation on experience modification factors to help policyholders manage premium costs effectively.
GuideOne Insurance serves local businesses and property managers in West Des Moines seeking workers’ compensation coverage. It helps employers meet Iowa’s insurance requirements by offering policies that cover medical expenses and lost wages for work-related injuries. The agent also advises on risk management to reduce workplace accidents and control premium costs. Services include policy comparisons and claims support tailored to small and mid-sized commercial clients. Beyond West Des Moines, the firm provides coverage for businesses throughout the Des Moines metro area, including Clive.
Serving residences in West Des Moines, Clemens Agency provides workers’ compensation insurance agency services to local homeowners. Commercial policies are also available for small and medium businesses across the greater Des Moines area. The agency helps employers secure coverage that meets Iowa’s regulatory requirements while protecting both workers and business assets. Policyholders can expect prompt follow-up after claims are filed and seamless repeat service scheduled between regular policy review visits.
What Does a a Workers' Compensation Insurance Agent in West Des Moines Cost?
Workers compensation insurance costs in Iowa vary by industry, payroll, and claims history. For a small business in West Des Moines, annual premiums often range from 500 to 5,000 dollars. Rates are set by the Iowa Insurance Division and are based on class codes. This is general information and not insurance advice.
About workers' compensation insurance agents in West Des Moines
Workers compensation insurance agents in West Des Moines help Iowa businesses secure coverage required under Iowa Code Chapter 85. Iowa law mandates that most employers with one or more employees carry workers compensation insurance. A local agent can guide you through policy options and ensure your business meets state requirements.
Frequently Asked Questions
Who needs workers compensation insurance in West Des Moines Iowa?
Under Iowa law, any employer with one or more employees must carry workers compensation insurance. This includes part time and seasonal workers. Sole proprietors and some independent contractors may be exempt.
What does a workers compensation insurance agent do in West Des Moines?
An agent helps you compare policies from different carriers to find coverage that fits your business. They also assist with filing claims and understanding Iowa specific rules like the seven day waiting period for lost time benefits.
How long do I have to report a work injury in Iowa?
Under Iowa Code 85.26, an employee must notify their employer of a work injury within 90 days. The employer then has a duty to report the claim to their insurance carrier promptly. An agent can help manage this process.
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