Business Insurance

Your Business is our Business

You have worked hard to create your business and Millhiser Smith wants to help you protect it. We offer a wide variety of business insurance options to safeguard your investment. From people to property to peace of mind, we have your needs covered. Speak with one of our knowledgeable risk consultants today.

Millhiser Smith Provides All Your Business Needs

At Millhiser Smith, our approach to business solutions is consultative, diagnostic, results-oriented and focused on managing and mitigating risks rather than selling insurance.

We strive to be a trusted business advisor, not a vendor of a product. Our disciplined approach, planning process, and service standards differ significantly from the traditional insurance agent or broker.

We begin with a blueprint focused on the identification, evaluation and measurement of risk. We use an audit process to develop a clear understanding of an organization's operations, exposures, and risk profile. While the short-term objective is to evaluate risk, the long-term goal is to design and build programs to positively impact an organization's bottom line through the strategic elimination, reduction, and/or shifting of risk.

We serve a wide range of industries including healthcare, water well drillers, manufacturing, construction, contractors, automotive, distributing, municipalities, quarries, restaurants, churches, golf and country clubs, landscaping, fire control, and not for profit/social services, to name a few. We're proud to serve such a diverse group of industries. Each look to us as a trusted advisor, providing high-quality business insurance solutions.

Comprehensive Property Insurance

As a business owner, you need comprehensive property insurance. This coverage will compensate you or any or user of your property for loss, or the loss of its income-producing ability, whenever the loss or damage is caused by a covered peril. Our insurance coverage protects your building and all its contents.

You also know it's critical to lessen your liability as a business owner. Our business liability coverage protects your organization against liability claims for bodily injury and property damage arising on your premises, or because of operations, products and completed operations.

Just as you carry auto insurance on your personal vehicles, it's important to protect your company cars too. Our auto liability protects you against financial loss because of legal liability for automobile-related injuries to others or damage to your property by an auto.

Additional Coverage Options

There are many more ways you can protect your employees and your business assets. Following is a list of Iowa business insurance coverages – and their definitions – you should consider. Talk with one of our representatives to determine the best types and amounts of coverage for your business.

Workers' Compensation Insurance

Coverage provided by an employer to an employee that arises due to a job-related injury resulting from an accident or occupational disease.

Umbrella Liability Coverage

A business insurance policy designed to provide protection against catastrophic losses. It is generally written over various primary liability policies, such as the commercial general liability policy.

Directors and Officers (D&O) Insurance

This liability insurance covers directors and officers for claims made against them while serving on a board of directors and/or as an officer. D&O liability insurance can be written to cover the directors and officers of for-profit businesses, privately held firms, not-for-profit organizations, and educational institutions.

Inland and Ocean Marine Insurance

Property insurance for property in transit over land, certain types of moveable property, instrumentalities of transportation, and legal liability exposures of bailees.

Small Truck Fleet Coverage

An insurance contract applying to several vehicles, usually with the requirement that they be under common ownership.

Equipment Breakdown Insurance

Coverage for loss due to mechanical or electrical breakdown of nearly any type of equipment, including photocopiers and computers. Coverage applies to the cost to repair or replace the equipment and any other property damaged by the equipment breakdown. Resulting business income and extra expense loss is often covered as well.

Professional Liability Coverage

A type of liability coverage designed to protect traditional professionals and quasi-professionals against liability incurred as a result of errors and omissions in performing their professional services.

Cyber/Data Breach Insurance

A type of business insurance designed to cover consumers of technology services or products. More specifically, the policies are intended to cover a variety of both liability and property losses that may result when a business engages in various electronic activities, such as selling on the Internet or collecting data within its internal electronic network.

Employment Practices Insurance

A type of liability insurance covering wrongful acts arising from the employment process. The most frequent types of claims covered under such policies include: wrongful termination, discrimination, sexual harassment, and retaliation.

Pollution Insurance

The contamination of an environment by substances regarded as pollutants. Liability from pollution is normally excluded to some degree by the general, auto, and umbrella liability policies.

Small Business Owner Packages

A package policy that provides both property and liability coverage for eligible small businesses.


This provides coverage for damage to property caused by flood.