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Contractors Insurance in Ankeny IA & Des Moines IA

Contractors get the job done—but take on a lot of risk while doing it. The Bureau of Labor Statistics reports that about 4% of all workers in the industry suffer injuries or illnesses—and the resulting costs add up. This is compounded by the many other problems that can occur at a given work site. Due to the many risk factors contractors routinely face in their work, good insurance policies become essential to any successful contractor's operation.

You should also consider how you're going to run your business. For example, running it as a Limited Liability Company (LLC) can help insulate you from cost overruns and avoid putting your personal assets at risk if a claim larger than your policy is filed. Our agents can help you determine the likelihood of hazardous situations to your business and how best to prepare for them.

What a Contractors Insurance Package Covers

Contractor's insurance covers problems typically associated with the risks of construction and renovation projects, including risks to your employees, your work site, and anyone or any equipment involved. Most of these policies are a combination of other policies, often including:

  • A Business Owner's Policy
  • General Liability Insurance
  • Worker's Compensation
  • Commercial Vehicle Insurance

From there, what coverage is needed depends on the work that you do. Contractors in different industries often have different insurance needs (and occasionally different requirements, depending on local legislation). Doubleday Insurance Agency can help you determine which forms of insurance are required for your company and ensure that you're never left exposed.

Contractors Equipment Insurance

Getting a job done takes more than human expertise and a keen eye for detail—you need to have the right tools for the job, or it's probably not going to be finished. However, if something goes wrong and your equipment is damaged or destroyed, you stand to lose a lot of money. This is particularly true if your company operates any larger pieces of equipment (bulldozers, etc.), which are sometimes omitted from normal coverage.

Doubleday Insurance Agency's goal is to mitigate your risks as much as possible, and the more we know about your equipment, the better the policy we can offer. On request, we can let you know about how certain pieces of equipment are classified, the associated level of risk, and what kind of reimbursements you can expect if something goes wrong.

Contractor Vehicle Insurance

If you're one of the growing number of contractors who use vehicles during a job—not just to get to and from a worksite—then you may need an additional commercial vehicle policy that covers the vehicle(s) you use.

If you don't use your vehicle for commercial purposes, you may be able to lower your monthly premiums by having this coverage removed from your policy. The choice is ultimately yours, but if you're having trouble deciding, our agents can help you figure out whether or not your use of a given vehicle qualifies as a commercial purpose.

1. "About the Specialty Trade Contractors Subsector." U.S. Bureau of Labor Statistics. Accessed April 20, 2016.

2. "Sole Proprietorships vs. LLCs." Accessed April 28, 2016.

3. Utschig, LeRoy. "Contractor's Equipment." Rough Notes. Accessed April 20, 2016.

Our Location

Doubleday Insurance Agency

110 SE Grant St, Ste 203
Ankeny, IA 50021
Main office: 515-325-8405
Toll free: 888-464-3367
Fax: 515-964-0654

Office Hours:

Mon: 8:00 AM - 5:00 PM
Tues: 8:00 AM - 5:00 PM
Wed: 8:00 AM - 5:00 PM
Thurs: 8:00 AM - 5:00 PM
Fri: 8:00 AM - 5:00 PM
Sat: By Appointment
Sun: Closed

Our Providers


I’ve never had a problem that Doubleday couldn’t solve.
- Terry Hager, Polk City, IA
I’d like to take this opportunity to thank you for your professional handling of both my personal and business insurance needs. Your prompt and courteous attention to my needs have been a real asset in the growth of my business. Thank you!!
- Michael Lucas
We were pleased the way you helped us on our home owners insurance. Saved us several hundred dollars. Thanks to Rose for all of her help.
- Leo & Catherine Lukes
It’s all about service. A phone call and you know whatever the problem or request, it’ll be taken care of. Saving money is only the beginning. Saving time and energy with prompt customer service is the ultimate.
- Harold Kahler, Ankeny, IA
We were very happy the way your staff took care of us when our van, parked in front of our home, was hit by a drunk driver and totaled. One of your staff came right away and had a check for it the next day. We have our home insured with you too. We are very happy with the efficiency of your staff.
- Bernice Keyes, Des Moines, IA
Eva and I couldn’t believe how well the fire claim we had went with your agency. We never had even one problem.. It was devastating but you made it so much easier for us. AND, you saved us $700 on our auto insurance too when we changed from Progressive!
- Clair Wepel, Ankeny, IA
I can’t remember how I was fortunate enough to discover Doubleday Insurance when I moved to Ankeny 8 years ago. From the beginning Chris (and later his entire family) took me under his wing like a protective older brother. Chris has handled all of my insurance needs professionally and promptly with courtesy. It’s great peace of mind to know I can call Chris (or his Dad, Lew) anytime with questions knowing I’ll be warmly greeted. I’m confident they are genuinly interested in my welfare and not just after a commission check. Thanks Doubledays!!!
- Phyllis Wininger, Ankeny, IA
Not having the best record, Doubleday Agency was able to help us in our insurance needs. Friendly, helpful and always willing to check other areas. Rose had a smile every time. Thanks for helping us in insurance. My parents always said you were the best!!!
- Rob & Tammy Pieart, Polk City, IA
We saved 71% on our home insurance with Doubleday and saved money on our auto too! We are sending them referrals of our friends and relatives so that they can save too. Since they are Independent Agents I’m sure of a very competitive rate always.
- Randy Grogan, Des Moines, IA
On the way to TN for a family vacation a deer ran out in front of us. I called and Chad answered the phone and the first thing he asked was about the family. After assuring him all was okay with us he then took over asking questions regarding the Van. He reassured me everything would be good again – and it was! Thank you for caring about my family.
- Deb Stock, Pleasant Hill, IA
Lew, we had a claim in July where we lost our roof and had a lot of damage to our home. Work has been completed and the check is on its way to us. Just wanted you to know we felt we received great service. We are so thankful to have you as a local agent that we know we can count on. It’s just reassuring to know you will take care of us and you are not an 800 number in another state with no real contact person. Thanks for all you do and for the peace of mind we have with you as our agent.
- Diane and Dave White, Maxwell, IA
I’m late in getting this note off to you, but we were extremely satisfied with our service and adjustor on the storm water backup in our basement. Great quick service from your office also.
- Shirley Ballard, Ankeny, IA
Thanks so much Lew. I will never forget your kindness to me when I had my accident in Alabama. I was so frantic, you were so calming, and I bothered you on vacation, I think you were in Spirit Lake at the time eating dinner. But you took the time to help me, and told me step by step what to do. I had never had or been in an accident before, it was so frightening for me. For you, it was just business, but for me, it was way more than that. Thanks again to your whole agency, Chris and Kim for being so helpful as well.
- Bev Shafer, Des Moines, IA
I was hit in downtown Des Moines and was clueless as to what to do. I called Chris, my agent, and he personally drove to the scene of the accident and handled everything for me. That personal touch and caring really makes it 100% worth staying with an Independent Agent. Thanks, Chris!
- Jena Skaar, Ankeny, IA
Pat Capehart recommended you to be my Insurance Agent. She was very happy with you when she needed your assistance for her claim. I'm glad she gave me a good reference. I'm glad to be your client.
- Carmen Murguia, Ankeny, IA
Chris is always available and respond to our questions/requests as soon as he can. Doubleday is like a family to us after 16 years working with you. I have all of mine insurance with you. You try to get the most competitive price.
- Lang D., customer since 1999
We really like the friendliness and knowledge of all of you. We also really like that you have our best interests in mind.
- Jerry M., customer since 2013