Business Insurance That Helps You Protect What You’ve Built

Running a business comes with enough challenges on its own. Keeping it protected shouldn’t be one of them.

At Adamson Insurance, we live and work in the same community you do, so we understand what local businesses really need.

Business Insurance That Works Like a Partner

We help you get the right coverage with:

  • Local knowledge from a team that knows Ankeny and the Des Moines Metro

  • Tailored protection shaped around your industry and daily operations

  • Personal support you can count on whenever questions come up

You focus on running your business. We’ll take care of the risks in the background.

Ankeny business owner reviewing stock—insured through Adamson Insurance’s Business Insurance in Ankeny, IA

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General Coverage for Your Business

Understanding the right protection is the first step toward keeping your business secure. Here are the core coverages most Ankeny and Des Moines Metro businesses rely on:

  • Buildings and Contents Coverage

    Protects the physical property your business owns, including buildings, equipment, inventory, and essential tools.

    • Available in standard and special forms
    • Special form offers more comprehensive protection
    • Helps safeguard your business from unexpected damage or loss

  • If you’re unsure which form fits your needs, we can help you compare your options.

  • Business Interruption Insurance:

    If a fire, storm, or other covered event forces your business to pause operations, this coverage helps you stay financially stable.

    It can include:

    • Lost income during downtime
    • Extra costs your business may face if you temporarily move operations

  • This protection is especially valuable for small businesses that can’t afford extended closures.

  • Liability Insurance

    Covers your company’s legal responsibility if your business causes harm to others. This may include:

    • Bodily injury
    • Property damage
    • Issues from defective products, faulty installations, or service errors

  • Liability coverage is essential for any business that interacts with customers, clients, or the public.

Types of Business Coverage

Secure Your Business’s Future with Adamson Insurance

Your business is unique, and so are your insurance needs.

At Adamson Insurance, we make sure the process is clear, straightforward, and tailored just for you — whether you’re renewing or securing coverage for the first time.

Let us help you protect what you’ve worked so hard to build. Request your personalized quote today and take the next step with confidence.

Business Insurance FAQs for Iowa Business Owners

Most businesses in Iowa rely on property insurance, liability coverage, and business interruption protection.

These help cover your building, equipment, legal responsibilities, and lost income after a covered event.

The right mix depends on your operations, and Adamson Insurance can help you choose coverage that fits your business.

Severe weather like snow, ice, and strong storms can cause property damage or temporarily shut down your business.

Having property and business interruption coverage helps protect you from these seasonal risks.

Reviewing your policy before winter can make sure you’re prepared.

Most property insurance policies help cover damage caused by covered winter events, such as snow, ice, or freezing temperatures.

This may include issues like roof damage or burst pipes.

Adamson Insurance can help you check if your current coverage protects you from common winter risks.

Business interruption insurance helps cover your income when a covered event temporarily stops your operations.

It can also help with extra expenses if you need to work from a temporary location.

Many Iowa businesses rely on this coverage after storms, fires, or unexpected shutdowns.

The cost depends on your industry, size, and coverage needs.

A small retail shop and a contractor will have different risks, which affects pricing.

The best way to find your exact cost is to request a personalized quote from Adamson Insurance.

Yes. New businesses can get coverage even if they’re just getting off the ground.

Adamson Insurance can guide you through the options so you can protect your equipment, space, and liability from day one.

Common winter risks include slippery walkways, frozen pipes, and weather-related power outages.

These issues can disrupt operations or cause property damage.

Reviewing your coverage before the season can help your business stay ready.

Flooding is often not included in standard business property policies.

Many businesses choose separate flood protection to cover water damage from rising water.

Adamson Insurance can help you check what your current policy includes.

Winter increases fire risks due to heating systems and electrical strain.

Keeping equipment maintained and reviewing your property insurance can help you stay protected.

Business interruption coverage can also support you if operations are disrupted.

Iowa businesses with employees typically need workers’ compensation insurance.

It helps pay for an employee’s medical care and the time they’re unable to work due to a job-related injury.

Adamson Insurance can help you review the requirements based on your business.

Premiums often depend on your coverage limits, risk level, and safety practices.

Keeping your space well-maintained and choosing the right combination of policies may help reduce costs.

A policy review can help identify areas where adjustments make sense.

Company vehicles are usually covered under commercial auto insurance rather than general liability or property insurance.

This coverage helps protect you from accidents, damage, or liability related to business driving.

Adamson Insurance can help you understand what’s included in your policy.

General liability provides protection when a person is hurt or when property is damaged as a result of your business activities.

Professional liability focuses on mistakes or errors in the services you provide.

The right type depends on how your business serves customers.

Simple steps like inspecting your roof, securing outdoor items, and reviewing your insurance coverage can help reduce risk.

Having business interruption coverage is also helpful if a storm causes downtime.

Adamson Insurance can help you check if your current protection is up to date.

Business insurance discounts vary and depend on your policy and coverage choices.

Rather than seasonal pricing, rates are usually based on risk and business operations.

A quick review with Adamson Insurance can help you see if adjustments could lower your costs.

Equipment breakdown coverage is often separate from general property insurance.

Businesses that rely on essential machinery may add this protection for unexpected failures.

Reviewing your current policy can help you decide if you need it.

Contractors typically rely on liability insurance and property coverage for tools and equipment.

Some may need additional policies depending on the work they perform.

Adamson Insurance can help you review which coverage fits your trade.

Most claims begin by contacting your insurance agent to report the incident.

Your agent can guide you through documentation, next steps, and what your policy covers.

Working with a local team makes the process easier and more personalized.

Many property insurance policies cover theft and vandalism as long as they’re listed as covered causes of loss.

This protection can help repair damage and replace stolen items. Reviewing your policy helps you confirm what’s included.

Yes, your business insurance can be updated whenever your needs change.

Businesses often review their coverage during seasonal shifts or when operations expand.

Adamson Insurance can walk you through any adjustments to make sure your protection stays current.

Customer Comments

I have had amazing experiences with Adamson & Associates from supporting me during a move (homeowners policy) to consistently providing top-notch customer service during times of need like after the derecho and forgetting about an expired auto ID card while renting a car. Mike, Erin, and the team provide A+ service — they’re all very quick and attentive. Thanks team!
Susan Metheny, Ankeny, IA

Just renewed home and vehicle policies. Great staff, organization, and customer service.

David McDonald , Des Moines, IA
Rebekah Jo

They were very professional. With a welcoming staff and very nice facility. They were there to help anywhere from larger business accounts to personal accounts needs. I will highly recommend using Adamson Insurance & Associates.

Rebekah Jo , Ankeny, IA

PARTNERS

travlers insurance
integrity insurance
firstcomp insurance
foremost insurance group
auto owners insurance
progressive insurance
aaa insurance
the hartford insurance
west bend insurance
berkshire hathaway guard insurance
selective insurance
sfm insurance logo