Quick guide: Workers’ compensation in Iowa
Your small business work comp questions answered
You’ve got a business to run so we’ll tell you what you need to know about workers’ compensation in Iowa — what it is, who needs it, and where you can buy it.
What is workers’ comp?
What does workers' compensation insurance cover?
How do I know if I need workers' comp insurance?
There are just a few exceptions, which are listed in the next question.
Are there any exceptions for family members, farms or small businesses?
- Sole proprietors
- Independent contractors, limited liability company members and partners aren’t covered unless they elect to be
- For family farms, sole proprietors, partners, officers, members of an LLC and their spouses, parents, brothers, sisters, children and step-children are excluded
How much will it cost?
Your workers’ compensation premium is based on how much your payroll is, how dangerous your industry is, and your business’s history of work injuries. If you have a clean safety record, it can help keep your premium low.
For more on how premium is calculated, see our Workers’ Comp 101 page.
Where do I buy workers’ comp insurance?
Where can I get more information on workers’ compensation in Iowa?
Since workers’ comp coverage is mandated by the state, the Iowa Division of Workers’ Compensation is your go-to source of information. For safety requirements and information, check out the Iowa Occupational Safety and Health Administration site.