In Iowa, all employers must carry workers’ compensation insurance on their employees.  The premium is determined by payroll, the type of work involved, experience rating and number of employees.  Sole proprietors, Partners, and LLC members are excluded from coverage but may elect to be included.  Corporate officers are included in coverage, but may elect to be exempt.  Up to four executive officers, other than a family farm corporation, can elect to be excluded.

Minimum limits are required but higher limits are available upon request.