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Business Insurance

Commercial Auto 

Business auto coverage insures vehicle that are owned, leased, hired, and borrowed and used in your business.  Vehicles subject to motor vehicle registration laws from motorcycles to 16 wheelers that are owned by your business may be insured.

Property Insurance

Buildings and contents owned by your business and at specifically described locations may be insured by you.  Improvements and betterments made by you to non owned buildings may also be insured.  You can also insure your loss of income and extra expense incurred by a covered loss to your insured property.

General Liability

Third party allegations of bodily injury or property damage arising out of your business premises, operations or products are covered by this policy.  The policy will cover actual damages and legal defense for covered losses.

Professional Liability

Doctors, dentists, architects, engineers, accountants, health care professionals, as well as other professions have exposures for errors and omissions in the process of their work.  The general liability policy excludes any loss not resulting in bodily injury or property damage due to negligence.  Professional Liability Insurance fills the gap resulting from claims alleging errors and omissions in the conduct of professional work.  Legal defense will be provided for covered claims even if the claim is unfounded.  Contact 1st Insurance for more information.

Directors and Officers Liability

Directors and Officers Liability, also know as Management Liability can provide coverage for errors and omissions in the conduct of a business.  Claims could be triggered as a result of financial decisions, misrepresentations of a business operation, mismanagement of the business, as well as employment practices.  Legal defense is provided for covered claims even if the claim is unfounded.  Contact 1st Insurance for more information.

Workers Compensation

Workers compensation insurance covers employees’ on the jobs injuries and occupational diseases.  Any bodily injury must be accidental and the disease must arise from job conditions.  The policy will pay medical expenses, loss of income; there are also provisions for death benefits and partial and total disability.  First Insurance will analyze your loss experience and provide recommendations for use of deductibles and other risk management tools to control your experience modification factor.

Inland and Ocean Marine

Coverage is provided for specific classes of property usually away from your business premises.  This could be property being transported or in use away from your business.

Commercial Umbrella

Higher limits of liability coverage are provided over your General Liability, Commercial Auto Liability and Workers Compensation Employer’s Liability.  Limits of excess coverage start at $1,000,000 and can go considerably higher if desired.

Contract and Performance Bonds

A Bond provides a financial guarantee that you will be able to complete a contractual agreement.  The agreement may be for construction or for completion of a contracted task. 

Pollution Liability

Leaking storage tanks, indoor air quality, mold, chemical spill, toxic cleaning supplies all can lead to Pollution Liability claims.  Policies can provide for on-site and off-site bodily injury, property damage and clean-up costs.   Contact our agency to provide coverage if you have exposures which could lead to Pollution Liability claims.

Flood Insurance

Experiencing a flood is a devastating experience.  It is even more disheartening to learn that a Homeowners or Business Property policy will not cover the resulting damage.  Financial disaster can result to an insured because of building and personal property destruction.  Contact 1st Insurance  to learn more about how you can get protection from flood.


Email These Agents Directly:
Casey Callanan, Kelly Draheim, John Moran, Tel Pappajohn
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1st Insurance Agency | 20 East State Street Mason City, Iowa 50402-1448
Telephone: 641.421.8000 | Toll Free: 1.800.247.0713 | Fax: 641.421.1940
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