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.
- Home Healthcare
- Janitorial Services
- And More
Workers Compensation Help?
- What is Workers Compensation?
- The Basics of Workers Comp
- Workers Compensation Q and A?
- Insurance Laws for Work Comp
- Managing Policy Claims
- Getting Work Comp Benefits
- NCCI Classification Codes
- Experience Modifiers and Ratings
- State Fund Coverage
- Workers Compensation Forms
- Handling Workers Comp Audits
- Understanding an Employer Liability Policy
- Excluding Owners and Officers
- Other States Coverage
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 Shop.com is one of these agencies.
Let Workers Compensation Shop.com help your business navigate workers comp insurance in Iowa.
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