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.
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.

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.
Get a Free Quote →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
Group benefits can include many types of coverage. Here is what we help Iowa employers put in place.

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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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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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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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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Health Savings Accounts (HSA), Flexible Spending Accounts (FSA), and workplace wellness programs — giving employees more control over healthcare spending while reducing employer costs.
Learn More →We tailor MPCI coverage to your crops, location, and risk tolerance — every farm is unique.
Talk to an Agent →EPLI can be purchased as a standalone policy or added to other business policies. Here is how the two approaches compare.
Best for: people who need immediate income protection for temporary setbacks.
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.
Get EPLI Quote →We will review your workforce, policies, and industry to recommend the right EPLI coverage.
Get a Free EPLI Review →660-665-1687 · 660-754-1000
Understanding these key facts helps you choose the right employment practices protection.
About 60% of employers face employment lawsuits at some point. Discrimination and wrongful termination are the most frequent claims.
Any business with employees needs EPLI — from small retailers to large corporations. Even a single employee can file a claim against your business.
The average employment lawsuit settlement is $125,000 and legal defense costs average $75,000 — even if you win. EPLI covers these costs.
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.
We learn about your workforce, HR policies, industry, and employment risks to recommend the right EPLI coverage for your business.
We shop your EPLI across top carriers to find competitive pricing and the right coverage features.
We walk through coverages, limits, and exclusions in plain language — no insurance jargon.
We handle the application, paperwork, and stay available year-round for claims and questions.
Practical guidance to help you make confident insurance decisions.
Learn why constantly switching providers can create risks and what to consider instead.
Watch on YouTube →Real conversations about coverage, risks, and solutions for clients across the Midwest.
Watch on YouTube →Looking for guidance specific to your needs?
Schedule a Consultation →We start by understanding your workforce, HR policies, and employment risks so we can recommend the right EPLI policy.
We compare EPLI policies from multiple top carriers, explaining coverages and costs in plain English.
Once you choose a policy, we handle the paperwork and make sure everything is in force.
Brawner Insurance is here all year for claims, billing questions, and annual reviews — you have a real advocate.
See why business owners across the Midwest trust Brawner Insurance for BOP coverage.
"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."
"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."
"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."
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.
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.
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.
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.
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.
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.
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
As an independent agency, we offer the full range of insurance solutions for families, farms, and businesses — all under one roof.
Cars, trucks, and SUVs — coverage that fits your driving life.
Learn MoreProtect your house, belongings, and personal liability with the right policy.
Learn MoreExtra liability protection above your home and auto policy limits.
Learn MoreProtect your family financial future with term and whole life policies.
Learn MoreProtect farm buildings, equipment, and livestock with comprehensive coverage.
Learn MoreBOP, cyber liability, workers comp & commercial auto for businesses.
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