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Employee Benefits & Group Health  ·  Iowa

Iowa Employee Benefits. Group Health & More.

From corn fields across central Iowa to soybean acres in the north, IA growers stack ECO on top of their MPCI for maximum federal crop insurance protection — Brawner Insurance helps Iowa businesses design custom benefits packages with health, dental, vision, life, disability, and retirement options from over 50 top carriers.

★★★★★5.0 Rating
|
50+ Carriers
|
MO, KS, IA, IL
|
80+ Reviews
Complete Benefits PackageHealth, dental, life, retirement & more
Independent AgencyWe shop 50+ carriers
4 States CoveredMO, KS, IA, IL
Local SupportTwo Missouri offices
Why It Matters in Iowa

Why Iowa Employers Choose Brawner Insurance

Iowa is America's #1 corn producer with 23 million acres of cropland. ECO offers Iowa farmers the highest level of federal crop insurance protection available — extending coverage up to 90% or 95%, ideal for the high-yield, high-input corn and soybean operations that define Iowa agriculture.

As an independent agency since 1992, Brawner Insurance simplifies group benefits for Iowa businesses of every size. We work with over 50 top carriers to design custom packages, handle enrollment, support employees with claims, and manage annual renewals.

MPCI crop coverage
#1Iowa is America's top corn producer
44%federal premium subsidy on ECO
50+group benefits carriers in our network

From small businesses to large employers across Iowa, Brawner Insurance builds custom benefits packages that attract top talent, reduce turnover, and keep teams healthy. Our independent agency model means we shop multiple carriers for the best rates.

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Iowa employers — build a better benefits package.

Brawner Insurance helps Iowa businesses design custom group benefits at competitive prices from over 50 top carriers.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Coverage Options

Employee Benefits Through Brawner

Group benefits can include many types of coverage. Here is what we help Iowa employers put in place.

Yield Protection

Group Health Insurance

Comprehensive medical coverage for your employees and their families — including major medical, preventive care, prescription drugs, and access to large provider networks across the Midwest.

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Revenue Protection

Dental & Vision

Add dental and vision benefits to your group package — covering routine cleanings, exams, glasses, contacts, and major dental work to keep employees healthy and productive.

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RP-HPE coverage

Life & Disability

Group life insurance and short-term/long-term disability coverage — providing financial security for employees and their families when life takes unexpected turns.

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Area Risk Protection

Retirement & 401(k)

Help employees save for retirement with group 401(k), SIMPLE IRA, and other retirement benefit plans — a key recruiting and retention tool for modern employers.

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Supplemental Coverage Option

HSA, FSA & Wellness

Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and workplace wellness programs — giving employees more control over healthcare spending while reducing employer costs.

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Every Operation Is Different

Build your policy.

We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.

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Your Options

Standalone EPLI vs. Bundled Coverage — Which Fits You?

EPLI can be purchased as a standalone policy or added to other business policies. Here is how the two approaches compare.

Option 1

Discrimination Claims

  • Covers temporary disabilities of weeks or months
  • Benefits begin after 0-14 day waiting period
  • Typically pays for 3-12 months
  • Replaces 60-70% of income during recovery
  • Ideal for surgeries, childbirth, short illnesses
  • Often offered through employers or individually

Best for: people who need immediate income protection for temporary setbacks.

Option 2

Sexual Harassment

  • Covers serious disabilities lasting years
  • Benefits begin after 90-180 day waiting period
  • Typically pays until age 65 or 67
  • Replaces 50-70% of income long-term
  • Ideal for chronic illness, serious injury
  • Most critical coverage for professionals

Best for: professionals who need to protect decades of future earning potential.

Brawner helps you decide between standalone EPLI and bundled coverage based on your business size and risk.

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Not sure what coverage is right for you?

We will review your workforce, policies, and industry to recommend the right EPLI coverage.

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660-665-1687  ·  660-754-1000

Key Facts

What You Should Know About EPLI

Understanding these key facts helps you choose the right employment practices protection.

Common Claims

About 60% of employers face employment lawsuits at some point. Discrimination and wrongful termination are the most frequent claims.

Who Needs It

Any business with employees needs EPLI — from small retailers to large corporations. Even a single employee can file a claim against your business.

High Costs

The average employment lawsuit settlement is $125,000 and legal defense costs average $75,000 — even if you win. EPLI covers these costs.

Not Covered Elsewhere

General liability policies exclude employment claims — you need dedicated EPLI coverage to be protected from employee lawsuits.

Planning Tip: Do not wait for a lawsuit to discover coverage gaps. EPLI claims can arise at any time — having protection in place is essential for defending your business.

Our Process

How We Help You Choose

1

Review Your Situation

We learn about your workforce, HR policies, industry, and employment risks to recommend the right EPLI coverage for your business.

2

Compare Carriers

We shop your EPLI across top carriers to find competitive pricing and the right coverage features.

3

Explain Your Options

We walk through coverages, limits, and exclusions in plain language — no insurance jargon.

4

Set Up and Support

We handle the application, paperwork, and stay available year-round for claims and questions.

Featured Insights

Insurance Insights & Education

Practical guidance to help you make confident insurance decisions.

Video

Why Shopping Insurance Every Year Can Hurt Your Fire or EMS District

Learn why constantly switching providers can create risks and what to consider instead.

Watch on YouTube →
Video

Introducing the ResponderShield Desk Series — Real Insurance Conversations

Real conversations about coverage, risks, and solutions for clients across the Midwest.

Watch on YouTube →

Looking for guidance specific to your needs?

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Getting Started

How EPLI Works

1

Free Consultation

We start by understanding your workforce, HR policies, and employment risks so we can recommend the right EPLI policy.

2

Plan Comparison

We compare EPLI policies from multiple top carriers, explaining coverages and costs in plain English.

3

Easy Enrollment

Once you choose a policy, we handle the paperwork and make sure everything is in force.

4

Year-Round Support

Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.

Client Reviews

Trusted by Businesses Across Missouri, Iowa, Kansas & Illinois

See why business owners across the Midwest trust Brawner Insurance for BOP coverage.

★★★★★
5.0
Based on 80+ Google Reviews
Daniel Goodman
★★★★★

"If you are shopping for peace of mind with insurance contact Caitlin Howe at Brawner. Not to mention correctly written policies, surprisingly good rates and excellent customer service."

Alyssa Baker
★★★★★

"Caitlin Howe at Brawner Insurance was very helpful, and made sure everything was done perfectly. She made the process stress and worry free. Best insurance agent hands down I have worked with."

Corey S
★★★★★

"Brawner recently quoted our district insurance. Jacob was professional and easy to work with. The Board of Directors chose VFIS through Brawner for the best and cost efficient coverage."

View All Reviews on Google →
Common Questions

Iowa EPLI FAQ

How much does EPLI cost in Iowa?

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In Iowa, EPLI costs vary based on employee count, industry, HR policies, and coverage limits. Small businesses often pay $800-$3,000 annually. Brawner Insurance compares quotes from multiple top carriers for Iowa employers.

Who needs EPLI in Iowa?

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Any Iowa business with employees needs EPLI — from small retailers to large corporations. About 60% of employers face employment lawsuits at some point. Even a single employee can file a claim resulting in significant legal costs.

What does EPLI cover for Iowa employers?

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For Iowa employers, EPLI covers wrongful termination, discrimination claims, sexual harassment, retaliation, hostile work environment, failure to promote, and often wage and hour disputes. It covers both legal defense and settlements.

Is EPLI included in Iowa Business Owners Policies?

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Most standard BOPs in Iowa do not include EPLI, or include only minimal coverage. EPLI is typically purchased as a standalone policy or added as an endorsement for meaningful protection against employment claims.

How common are employment claims in Iowa?

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Employment claims are common across Iowa — about 60% of employers face some form of employee lawsuit. Discrimination and wrongful termination are the most frequent claims, with average settlements of $125,000.

Can Brawner help Iowa employers find EPLI?

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Yes — Brawner Insurance works with Iowa employers to compare EPLI policies from multiple top carriers, explain standalone vs bundled coverage, and find the right combination of protection and affordability.

Protect Iowa employers today.

Brawner Insurance helps Iowa small businesses find affordable Employment Practices Liability Insurance from multiple top carriers — property, liability, and interruption in one package.

Get a Free Quote →

660-665-1687  ·  660-754-1000

Visit Us

Our Office Locations

Kirksville, MO

2605 N. Baltimore St., Kirksville, MO 63501

660-665-1687

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Kahoka, MO

465 S. Johnson St., Kahoka, MO 63445

660-754-1000

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