Insurance Blog
Iowa Workers’ Comp Exemptions: A Small Business Guide to Who Must Be Covered
Iowa Workers’ Comp Exemptions: A Small Business Guide to Who Must Be Covered Do I Need Workers' Compensation for My Small Business in Iowa? If you run a business in Iowa—whether it’s a construction crew in Sioux City, a retail store in Mapleton, or a consulting...
Medicare Supplement Plans in Iowa: Your Guide to Choosing the Right Medigap Policy
Decoding Medigap: Which Medicare Supplement Plan is Best for You? Turning 65 marks the start of Medicare, but many Iowans quickly realize Original Medicare (Part A and Part B) only covers about 80% of their doctor and hospital costs. That 20% gap, with no annual limit...
Eyes on the Road, Hands on the Wheel: Iowa’s New Hands-Free Driving Law
Here at The Hoffman Agency, we're always focused on helping you stay safe, both on the road and in your daily life. That's why we're highlighting a significant change that went into effect on July 1, 2025: Iowa's new Hands-Free Driving Law. This landmark legislation...
The Role of Insurance in Estate Planning
Estate planning might sound like something only for the ultra-wealthy, but the truth is, it's a crucial step for anyone who wants to ensure their loved ones are financially secure and their wishes are honored after they're gone. While wills and trusts form the...
How to Protect Your Business with Cyber Liability Insurance
In today's interconnected world, cyber threats are no longer just a concern for tech giants; they are a very real and growing risk for businesses of all sizes, especially here in Iowa. From small local shops to large agricultural operations, every business that relies...
Summer Adventures Await: UTV, ATV, and Boat Insurance – What You Really Need
Summer in Iowa means one thing for many of us: getting out and enjoying the great outdoors! Whether you're hitting the trails on your UTV or ATV, or spending a relaxing day on the lake with your boat, these recreational vehicles bring a lot of fun. But before you head...
Navigating the Essentials: Understanding General Liability, Property, and Workers’ Compensation Insurance for Your Business
As a business owner, you're focused on growth, innovation, and serving your customers. However, unexpected events can pose significant financial risks. That's where the right insurance coverage comes in. Today, we'll walk through three essential types of business...
Your Home Insurance: Understanding Key Terms
As spring continues its welcome arrival, it's a great time to brush up on your home insurance knowledge. Let's face it, insurance policies can sometimes feel like they're written in another language! Today, we're going to break down some common home insurance terms to...
Understanding Professional Liability Insurance for Small Businesses
As a small business owner, you work hard to build a successful company and provide excellent service to your clients. However, even with the best intentions, mistakes can happen. A dissatisfied client could sue your business for negligence, errors, or omissions in the...
Spring Cleaning for Your Insurance Policies
Spring has sprung, and while you're busy cleaning out your closets and tidying up the yard, don't forget about your insurance policies! Just like the weather, insurance rates can change with the seasons. Let's take a look at some of the factors that might be affecting...
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