How does workers' comp work in Iowa?

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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Workers' Comp Rules & Information for Iowa

State Insurance Directives Regarding Covid-19

No current rule changes or laws in Iowa.

State Orders Regarding Insurance Claims Related to Coronavirus

No current state orders.

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.

  • Contractors
  • Home Health Care
  • Janitorial Services
  • Transportation
  • Hospitality
  • And More
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.

What Does Workers' Compensation Insurance Cover?

Workers' comp coverage protects employees when injured. It makes good financial sense for both parties.
Injuries and accidents happen. A workers' comp policy is a no-fault system that pays for these accidents and claims. It's required by law in most states.
  • Loss of income for employees unable to perform job duties
  • Medical expenses for employees injured on the job
  • Retraining expenses for employees unable to return
  • Permanent injury or disability for lasting injuries
  • Survivor benefits if employees are killed on the job
Coverage does not protect employers from everything. Sometimes employees and employers can be negligent.
In some instances, workers' compensation coverage will not protect employers or employees from the legal liability resulting from a workplace injury.
  • Injuries resulting from a violation of the law
  • Incidents resulting from employees' use fo drugs or alcohol
  • Injuries that did not occur in connection with the job
  • Clear company policy violations
  • Injuries that did not occur in connection with the job

Workers' Comp Includes Employers Liability Insurance?

Employers liability insurance is an additional layer of coverage included as part of a workers' compensation insurance policy. Employers Liability is know as Part 2 of the policy. It adds two additional coverages for employers:

Employers Legal Liability and Legal Defense Costs

In todays world, there are a variety of reasons employees and third-parties sue employers for damages. Here a some common types covered by employers liability insurance:

Third Party Lawsuits

Your employee sues another party that may have contributed to the injury, In turn, the third party sues your business.

Consequential Bodily Injury

Another party or individual is injured while providing care for the injured employee.

Dual Capacity Legal Action

An employee files a claim but also attempts to sue the employer for being responsible in other ways outside of the employment relationship.

Loss of Consortium

A spouse sues for damages caused by the loss of companionship or relations.

Employers Liability coverage is not included with coverage in the four monopolistic states. Employers in these states can endorse this coverage onto their General Liability policy. That coverage is commonly know as Stop Gap Coverage.

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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