Commercial Coverage Solutions
Business Insurance That Works as Hard as You Do
Comprehensive commercial insurance solutions tailored for Iowa businesses. From general liability to cyber protection, we safeguard every aspect of your operation.
16+ Coverage Types
500+ Businesses Served
40+ Years Experience
2,500+
Businesses Protected
40+
Years of Experience
98%
Client Retention Rate
24/7
Claims Support
Protect Your Business with Confidence
As an independent insurance agency in Bondurant, Iowa, Densmore Insurance Strategies works with multiple top-rated carriers to find the best commercial coverage at competitive rates. We don’t work for one insurance company — we work for you.
Whether you’re a startup, a growing mid-size company, or an established enterprise, our team crafts customized insurance packages that address your specific risks, industry requirements, and budget. From liability and property to specialized coverages like cyber and professional liability, we have you covered.
- Customized policies tailored to your industry
- Access to 30+ top-rated insurance carriers
- Dedicated account manager for every client
- Annual policy reviews to ensure optimal coverage
Trusted Agency
Serving Iowa businesses with integrity and expertise for over four decades.
Complete Coverage Portfolio
16 Commercial Insurance Solutions
Every business faces unique risks. Explore our full range of commercial coverage options designed to protect Iowa businesses of all sizes and industries.
General Liability
Protects against third-party claims of bodily injury, property damage, and advertising injury.
Commercial Property
Workers' Compensation
Commercial Auto
Business Owner's Policy
Cyber Liability
Professional Liability
Commercial Umbrella
Directors & Officers
Employment Practices
Inland Marine
Covers equipment, tools, and property in transit or stored at locations away from your main premises.
Crime Insurance
Builders Risk
Surety Bonds
Liquor Liability
Commercial Fleet
The Densmore Difference
Why Iowa Businesses Trust Us
For over 40 years, Densmore Insurance Strategies has been the go-to commercial insurance partner for businesses across Iowa. Here’s what sets us apart.
Independent & Unbiased
We represent you, not the insurance company. We compare quotes from 30+ carriers to find the best fit for your business.
Dedicated Account Manager
Every client gets a personal account manager who understands your business and is available when you need them.
Competitive Pricing
Our carrier relationships and market expertise mean we consistently deliver strong coverage at competitive premiums.
Annual Policy Reviews
We proactively review your coverage each year to ensure it keeps pace with your growing business needs.
Claims Advocacy
When you file a claim, we advocate on your behalf to ensure fair and timely resolution with the carrier.
Local Iowa Expertise
Based in Bondurant, we understand Iowa regulations, weather risks, and the unique challenges facing local businesses.
Industry Expertise
Specialized Coverage by Industry
Construction & Contractors
- General Liability
- Workers' Comp
- Builders Risk
- Surety Bonds
Healthcare & Medical
- Professional Liability
- Cyber Liability
- Employment Practices
- Property
Restaurants & Hospitality
- Liquor Liability
- General Liability
- Workers' Comp
- Property
Manufacturing & Industrial
- Commercial Property
- Workers' Comp
- Inland Marine
- Umbrella
Simple Process
Getting Covered Is Easy
01
Free Consultation
We start with a no-obligation conversation to understand your business, industry, and specific risks.
02
Risk Assessment
Our team conducts a thorough analysis of your exposures and identifies coverage gaps in your current plan.
03
Custom Proposal
We shop your coverage across 30+ carriers and present a tailored proposal with multiple options and pricing.
04
Ongoing Support
After binding your policy, we provide year-round support, claims advocacy, and annual coverage reviews.
Client Success Stories
Trusted by Iowa Families
“Densmore saved us over $12,000 annually on our commercial package. Their team found coverage gaps we didn't even know existed and got us properly protected.”
Mark Henderson
Owner, Henderson Construction LLC
Sarah Mitchell
CEO, Mitchell Healthcare Group
Tom & Lisa Nguyen
Owners, Saigon Kitchen Restaurant
David Kowalski
Fleet Manager, Kowalski Trucking
Common Questions
Business Insurance FAQ
Get answers to the most common questions about commercial insurance coverage for Iowa businesses.
What types of business insurance does my company need?
How much does business insurance cost in Iowa?
What is a Business Owner's Policy (BOP)?
Is workers' compensation required in Iowa?
Yes, Iowa law requires most employers to carry workers’ compensation insurance. There are limited exceptions for very small businesses, but we strongly recommend coverage for all employers to protect both your employees and your business from liability.
How quickly can I get a business insurance quote?
Can I bundle multiple business insurance policies?
What happens if I need to file a business insurance claim?
Do you offer insurance for new businesses and startups?
Yes! We work with many startups and new businesses across Iowa. We understand the unique challenges of getting proper coverage when you’re just starting out and can find affordable options that grow with your business.
Free Quote
Get Your Custom Business Insurance Quote
Call Us
(515) 967-3390
info@densmoreis.com
Address
85 Paine Street SE, Suite G, Bondurant, Iowa 50035