Business Insurance
Protect Your Business
Protect Your Business, Your Employees, and Your Future
Running a business always means facing unique challenges, from the weather to local market conditions. At Inspire DSM, we understand the risks businesses face because we're right here facing them with you.
We work with 15+ A-rated carriers to build custom coverage packages that protect your specific business without paying for coverage you don't need. One trusted advisor. Multiple carrier options. Real protection.
Your Personal Insurance Solutions
Comprehensive coverage options tailored for Central Iowa families
Business Owners Policy (BOP)
A Business Owners Policy bundles your most essential coverages into one convenient, cost-effective package. Perfect for small to medium-sized businesses.
What's Covered:
General Liability – Protection against third-party injuries and property damage claims
Commercial Property – Coverage for your building, equipment, inventory, and furniture
Business Interruption – Replaces lost income if you can't operate due to a covered loss
Data Breach Coverage – Protection for cyber incidents and customer data breaches
Ideal For: Retail stores, offices, restaurants, professional services, and most small businesses.
Your Benefit: Bundled pricing typically saves 15-25% compared to buying policies separately.
Commercial Property Insurance
Protect your physical business assets—your building, equipment, inventory, and everything you've invested in building your company.
What's Covered:
Building Coverage – Structure, roof, walls, HVAC systems, plumbing, electrical
Business Personal Property – Equipment, furniture, inventory, supplies
Outdoor Signs and Fixtures – Signage, fencing, landscaping features
Tenant Improvements – Upgrades you've made to leased space
Ideal For: Any business with significant physical assets or leased/owned property.
Your Benefit: Comprehensive protection that keeps your business running even after a major loss.
Professional Liability (E&O)
Errors & Omissions insurance protects you from claims that your professional services or advice caused financial harm to a client.
What's Covered:
Professional Negligence – Claims that your work didn't meet professional standards
Errors and Mistakes – Coverage for unintentional errors in your work
Missed Deadlines – Protection if delays cause client losses
Defense Costs – Legal fees even if a claim is frivolous
Ideal For: Consultants, accountants, IT professionals, architects, real estate agents, healthcare providers.
Your Benefit: Protection from the lawsuits that general liability doesn't cover—professional mistakes.
General Liability Insurance
The foundation of business protection. General liability covers third-party claims of bodily injury, property damage, and advertising injury.
What's Covered:
Bodily Injury – Medical expenses if someone is hurt at your business or by your operations
Property Damage – Repair or replacement if you damage someone else's property
Personal & Advertising Injury – Libel, slander, copyright infringement claims
Legal Defense – Attorney fees, court costs, and settlements
Ideal For: Every business needs general liability—it's the starting point for all business insurance.
Your Benefit: Protection from the everyday risks of doing business. Required by many landlords and contracts.
Industries We Serve
We specialize in protecting Central Iowa businesses across many industries
Retail & Restaurants
Professional Services
Healthcare & Medical
Technology & IT
Manufacturing
Real Estate
Construction
Non-Profits
Agriculture
Transportation
Financial Services
Why Businesses Choose Inspire DSM
We Understand Iowa Business
From derecho damage to spring flooding, we know the specific risks Central Iowa businesses face and how to protect against them.
15+ Carrier Partnerships
We shop your coverage with multiple A-rated carriers to find the best combination of price, coverage, and claims service.
One Point of Contact
Your dedicated advisor handles all your policies. No getting transferred, no repeating your story, no runaround.
Claims Advocacy
When you file a claim, we're on your side. We help document losses, navigate the process, and push for fair settlements.
Let's Protect Your Business
Whether you're starting a new business, growing an existing one, or jus
want a second opinion on your current coverage—we're here to help.
Independent Insurance Agency representing 15+ A-rated carriers to provide you with more choices, competitive pricing, and coverage built for your unique situation.
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