From small employers to manufacturers across Iowa, IA businesses depend on Brawner Insurance for Workers Compensation coverage — Brawner Insurance helps Iowa small businesses find affordable Workers Compensation Insurance from multiple top carriers.
Iowa law requires workers compensation for nearly all employers with employees. IA businesses in manufacturing, agriculture, construction, and services need proper workers comp coverage to stay compliant and protect their teams.
As an independent agency since 1992, Brawner Insurance helps Iowa small business owners compare Workers Comp quotes from multiple top carriers, customize coverage to their industry and payroll, and find competitive rates — all while providing local, personal service.

From small businesses to large employers across Iowa, Brawner Insurance helps companies meet workers comp requirements with affordable coverage. Our independent agency model means we shop multiple carriers for the best rates.
Get a Free Quote →Brawner Insurance helps Iowa small businesses find affordable Workers Compensation Insurance from multiple top carriers — at no cost to you.
Get a Free Quote →660-665-1687 · 660-754-1000
Workers Compensation protects employees and employers. Here is what is typically included for Iowa businesses.

Covers all medical expenses related to work injuries — hospital stays, surgeries, doctor visits, prescriptions, physical therapy, and ongoing treatment for injured employees.
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Replaces a portion of lost income while employees recover from work-related injuries — typically 60-75% of wages until they can return to work.
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Provides short-term and long-term disability payments for employees who cannot return to work or have permanent impairment from work-related injuries or illnesses.
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Covers vocational and physical rehabilitation to help injured workers recover and return to work — including job retraining and therapy services.
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Many BOPs include valuable add-ons like data compromise coverage, employee dishonesty, outdoor signs, and spoilage — comprehensive protection in one affordable package.
Learn More →We tailor BOP coverage to your industry, size, and risk profile — every business is unique.
Talk to an Agent →Workers Compensation has two main parts protecting your business and your employees. Most states require both.
Best for: people who need immediate income protection for temporary setbacks.
Best for: professionals who need to protect decades of future earning potential.
Workers Compensation is legally required in most states — Brawner helps ensure you have the right coverage to comply and protect your team.
Get Workers Comp Quote →We will review your employees, industry, and payroll to recommend the right Workers Compensation coverage.
Get a Free Workers Comp Review →660-665-1687 · 660-754-1000
Understanding these key facts helps you comply with workers comp requirements and protect your business.
Workers compensation is required by law in most states for employers with one or more employees. Penalties for non-compliance can be severe, including fines and criminal charges.
Nearly every business with employees needs workers compensation. Requirements vary by state, but most states mandate coverage starting with the first employee.
Workers comp is a no-fault system — employees receive benefits regardless of who caused the injury, while employers are generally protected from lawsuits by employees.
Workers comp premiums are calculated based on payroll, industry classification, and experience rating. Safer workplaces earn lower rates over time.
Planning Tip: Do not wait for an injury to discover compliance gaps. Workers compensation is legally required — having proper coverage in place is essential for every business with employees.
We learn about your industry, employee count, job classifications, and payroll to recommend the right Workers Compensation coverage for your business.
We shop your Workers Comp 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.
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Schedule a Consultation →We start by understanding your industry, employees, and payroll so we can recommend the right Workers Compensation policy.
We compare Workers Comp 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."
Yes — Iowa law requires workers compensation for most employers with employees. Requirements vary based on number of employees and industry. Brawner Insurance helps Iowa businesses understand and comply with state requirements.
In Iowa, Workers Comp costs are calculated based on payroll, industry classification, and experience rating. Office businesses pay less than construction or manufacturing. Brawner Insurance compares quotes from multiple top carriers for Iowa employers.
For Iowa employees, Workers Comp covers medical expenses, lost wages during recovery, disability benefits, rehabilitation costs, and death benefits for fatal workplace accidents. It also protects employers from most employee lawsuits.
Yes — Iowa businesses can reduce workers comp costs through safety programs, proper job classifications, claim management, and experience modification factors. Brawner Insurance helps implement strategies to lower premiums.
Penalties for not having required workers comp in Iowa can be severe — including fines, criminal charges, and personal liability for employee injuries. Brawner Insurance helps Iowa businesses stay compliant.
Yes — Brawner Insurance works with Iowa businesses to compare Workers Comp policies from multiple top carriers, explain classifications and experience ratings, and find the right combination of compliance and affordability.
Brawner Insurance helps Iowa small businesses find affordable Workers Compensation 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.
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