Insurance Agent Permit Requirements in Des Moines, IA

Complete permit and license guide for starting a insurance agent in Des Moines, Polk County, Iowa.

Updated 2026-03-15 5 stops $300–$1,000 est. 4–10 weeks
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Not legal advice. Requirements may change — always verify with your local government authority before applying. This guide was compiled from public and official sources (last updated ) and has not yet been independently source-verified — confirm each requirement before acting on it.

Federal — start here

1 stop

  1. EIN (Employer Identification Number)

    Required if you have employees or operate as an LLC or corporation. Free from the IRS.

    Official government source

    FreeImmediate (online application)

State of Iowa

2 stops

  1. Iowa Department of Revenue — Sales Tax Permit

    Required for all businesses selling taxable goods or services in Iowa. Iowa charges a 6% state sales tax; local option sales taxes of up to 1% may apply. Register with the Iowa Department of Revenue online.

    Official government source

    FreeImmediate (online via eFile & Pay)

  2. Errors and Omissions (E&O) Insurance

    Insurance agents are strongly advised (and often required by employers or carriers) to carry Errors and Omissions insurance. E&O covers claims arising from professional mistakes or failures.

    $500–$2,000/yearImmediate to 1 week

City of Des Moines / Polk County

2 stops

  1. Iowa Insurance Division — Insurance Producer License

    Insurance agents in Iowa must be licensed by the Iowa Insurance Division. Requires pre-licensing education, passing the state exam, and a background check.

    Official government source

    $50–$100 (exam and application)2–6 weeks

  2. City of Des Moines Development Services Department — Business License

    Des Moines requires a Business License for regulated businesses and a Certificate of Occupancy for commercial spaces. The Development Services Department processes permits. This license must be renewed annually and displayed at your place of business.

    Official government source

    $50–$500/year depending on business type and gross revenues1–3 weeks

Terminus

Open for business — est. $300–$1,000 · 4–10 weeks

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Official Sources

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