Sands Insurance

HVAC season in Iowa keeps your trucks on the road constantly. Checking the fine print on your commercial insurance policy is probably not on your to-do list today.

That missing detail can cost you big time. Standard policies often leave massive gaps. Things like faulty workmanship or water damage from a bad condensate line can trigger claims that basic general liability simply ignores.

One missing coverage line could mean thousands of dollars out of pocket.

Let's fix that. Getting a second opinion on your coverage is free and fast. The goal is to make sure your business is actually protected. Sands Insurance will shop the market to find the exact coverage you need without the sales pitch.

Send a direct message to book a quick 15-minute policy review.

Not all insurance agents work for you. Here is the difference. 👇

When you call a captive agent, they have one company and one set of rates. If that company raises your premium or is not the right fit, their hands are tied. They work for the insurance company, not for you. 🔒

An independent agent works for you.

At Sands Insurance, I am not tied to a single carrier. I shop across dozens of companies to find the coverage that actually fits your situation and your budget.

🔑 If one carrier is not competitive anymore, I find one that is.
🔑 If your needs change, I adjust your coverage across the whole market.
🔑 If you have a claim, I am on your side, not the insurance company's.

Want an agent who works for you? DM us or call 515-965-2429.
📍 Sands Insurance, Ankeny Iowa
🌐 sands-insurance.com

Most Iowa contractors think their tools are covered under their GL policy.
They are not. 🔧
GL covers damage you cause to others. It does not cover your own equipment. That is a completely separate coverage and most policies do not include it automatically.

Here are 4 things to check on your policy right now. Swipe through 👉
✅ Is tools and equipment coverage actually listed in your policy?
✅ Is your coverage limit enough to replace everything you own today?
✅ Does it cover theft from your vehicle overnight?
✅ Is your deductible so high that small claims are not even worth filing?

One gap in any of these four areas and you are covering the loss yourself. 💸

Not sure where your policy stands? DM us the word TOOLS and we will check it for free. No sales pitch, no obligation.

📍 Sands Insurance, Ankeny Iowa
📞 515-965-2429
🌐 sands-insurance.com