Iowa Workers Comp Information

Find the latest news and information about Iowa workers' compensation insurance.

It is very important for all employers to know the correct rules and regulations regarding Workers' Compensation Insurance in the state of Iowa. All employers are required to carry coverage, yet many do not know what it covers and how it protects their business. Here we have broken down this coverage in to several topics specific to Iowa.

We do this to help business owners understand workers compensation insurance and arm them with the knowledge to get the best value for their business needs.

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About Workers Compensation in Iowa

Iowa Division of Workers' Compensation

1000 East Grand Avenue
Des Moines, IA 50319

What is Workers' Compensation?

The basic purpose of the Workers’ Compensation is to provide wage replacement benefits and medical treatment for employees who have been injured or become ill due to a work-related injury or illness. It prevents the employer from bearing the costs of injuries that occur during normal business operations.

How does workers comp help my business?

Your business benefits by not being liable for injuries that occur as a part of normal business operations. This applies whether the injury was the fault of the business or was caused by negligent actions of the employee.

How does workers comp help my employee?

Employees benefit from workers comp coverage by having lost wages covered while they are hurt or sick and not able to work. It also pays for medical costs they might incur as a result of the sickness or injury.

Iowa Workforce Devlopment (IWD)

IWD is the state agency working to help improve all aspects of Iowa's workforce. The IWD’s guiding principles are intended to demonstrate a commitment to the state of Iowa, its customers, and its employees.

Iowa is an NCCI State

The state of Iowa uses the National Council on Compensation Insurance (NCCI) to determine rates on insurance class codes. NCCI gathers data, analyzes industry trends, and prepares objective insurance rate and loss cost recommendations. Insurance carriers are able to offer discounts to these recommended rates. It is recommended that employers shop their policy with as many carriers as possible in order to get the best rates for their coverage.

More Programs and Options

We're always working with our insurance carriers to develop specialized programs for a broad range of industry class codes. Our Target Programs are designed to streamline the underwriting process and help ensure we offer the lowest rates available anywhere.

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Iowa Work Comp Information

Iowa is an NCCI State

The Iowa Division of Workers Compensation oversees insurance in the state. Still, Iowa is under the jurisdiction of National Council on Compensation Insurance (NCCI). This means the NCCI collects statistical data, files annual workers comp rates, produces experience mod's, and is the Plan Administrator for the Iowa State Fund.

Employers who are unable to find a voluntary workers compensation insurance quote from a private insurance company may apply for State Fund policy through an agency appointed with NCCI. Workers Compensation is one of these agencies.

Let Workers Compensation help your business navigate workers comp insurance in Iowa.


We take the time to make sure your business and employees are classified correctly and then we get to work finding the lowest rates available for your insurance coverage.
  • National workers comp Specialists
  • Licensed throughout the United States
  • Programs for standard and tough class codes
Once we've got your best quotes back from our carriers, we take the time to help you understand your options and the next steps to get covered quickly.
  • Pay As You Go insurance coverage
  • Easy billing and installment plans
  • We've helped over 35,000 business owners
Visit NCCI for more resources and information about workers' compensation class codes. Visit United States Department of Labor for more information about government agencies managing workers compensation insurance rates.

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