--- title: "Product liability in Iowa" description: "Iowa product-liability guide to the 15-year product period and conditional protection for sellers that are not manufacturers." canonical: "https://spot.insure/coverage/product-liability/iowa" page-type: "coverage-state-guide" updated-at: "2026-09-28" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/coverage/product-liability/iowa) # Product liability in Iowa Iowa Code § 614.1(2A) generally bars covered product claims more than 15 years after a product was first purchased, leased, bailed or installed for use or consumption. The rule covers specified claims for death, personal injury or property injury based on strict liability, negligence or implied warranty; a longer express warranty and specified concealment or latent-disease situations are treated differently. Iowa separately limits some strict-liability and implied-warranty claims against nonmanufacturer sellers when a solvent, jurisdictionally reachable manufacturer is available.[^1][^2] **Coverage:** [Product liability](/coverage/product-liability) · [Iowa](/coverage/states/iowa) ## What Is Product Liability? Product liability can cover claims that a product you make, import, distribute or sell injured someone or damaged property. If your business handles products, describe every role in the supply chain and ask how the quote treats product damage and recall costs. [Read the national Product liability guide](/coverage/product-liability). ## What to Watch for in Iowa ### The 15-year period uses the first-use transaction listed in the statute For covered claims, the period runs from when the product was first purchased, leased, bailed or installed for use or consumption. The statute applies to specified death, personal-injury and property claims against listed product-chain roles, and to strict-liability, negligence and implied-warranty theories.[^1] ### The statute names specific exceptions The 15-year limit does not displace a longer express warranty. It also does not apply if intentional misrepresentation or fraudulent concealment about the product substantially caused the harm. A separate latent-disease provision applies only to its defined harmful materials and discovery conditions; it is not a general exception for every delayed injury.[^1] ### Seller protections depend on role and manufacturer availability A person who is not an assembler, designer or manufacturer and sells the product has statutory protection for strict-liability or implied-warranty claims based solely on an original design or manufacturing defect. Liability protection also depends on proof that the manufacturer is subject to Iowa-court jurisdiction and has not been judicially declared insolvent. A qualifying unidentified-manufacturer filing can toll the limitation period against that manufacturer.[^2] ## Who Regulates Insurance in Iowa **Iowa Insurance Division.** The Iowa Insurance Division licenses insurance producers and maintains separate lists for licensed insurers and surplus-lines insurer categories. Its filing page routes most rate, rule and form filings through SERFF and identifies filings requiring prior approval; eligible surplus-lines insurers are not required to file or seek approval of their rates or forms.[^3][^9][^8][^4][^5] - [Regulator website](https://iid.iowa.gov/) - [License lookup](https://iid.iowa.gov/find-licensed-insurance-agent) - [File a complaint](https://iid.iowa.gov/consumers/filing-complaints/how-do-i-consumer-complaints) - Phone: 515-654-6600 ### Surplus-Lines Tax and Stamping Office **Reported tax rate:** 0.925% of surplus-lines premiums when Iowa is the insured's home state, for 2026 When Iowa is the insured's home state, the 2026 premium tax is 0.925%, and the surplus-lines producer shall collect and pay it to the state in addition to gross premium. Placement generally requires an eligible surplus-lines insurer and a diligent search showing the full amount or type is unavailable from an admitted insurer; an exempt commercial purchaser may bypass that search only after the producer discloses that admitted insurance may be available and may offer greater protection and oversight, then the purchaser subsequently requests surplus-lines placement in writing.[^6][^7] ## Providers With Documented State Licenses These providers publish a national listing for Product liability; the state records document licenses for the entities and roles shown below. Some records rely on company-reported information rather than independent regulator verification. A national listing does not confirm that the product is available in Iowa; [check the regulator’s license lookup](https://iid.iowa.gov/find-licensed-insurance-agent) and confirm state availability for your business when requesting a quote. - [Vouch](/insurance-providers/vouch) — **Entity:** Vouch Specialty Insurance Services, LLC; **role:** Insurance producer, Surplus-lines broker; **checked:** 2026-09-28. **Scope:** Vouch’s licenses page, effective January 16, 2025, lists producer licenses in all 50 states and DC. Its separate surplus-lines table includes Idaho number 870820, while a footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses. Because those statements conflict for Idaho, this record keeps Idaho producer-only and does not treat the table number as established agency surplus-lines authority. The page is company-reported and does not establish product availability.[^16] ## Questions to Ask Before You Buy in Iowa 1. When was this product first purchased, leased, bailed or installed for use, and can the date be tied to the model or unit involved? 2. Do any product or sales documents expressly warrant performance for more than 15 years, or identify a defined harmful-material exposure? 3. For each Iowa sale, are we the assembler, designer, manufacturer or seller, and can we identify the manufacturer and its Iowa jurisdictional status? ## Product Liability in Iowa: FAQ ### What outside period does Iowa set for product claims? For claims within § 614.1(2A), the action generally may not begin more than 15 years after first purchase, lease, bailment or installation for use or consumption, unless an express warranty runs longer. The section also contains specific concealment and latent-disease rules.[^1] ### Does Iowa treat every retailer as the product manufacturer? No. Section 613.18 gives qualifying nonmanufacturer sellers protection against certain strict-liability and implied-warranty claims based solely on original design or manufacturing defects, subject to the statute’s manufacturer-jurisdiction and insolvency conditions.[^2] ## Product Liability in Other States - [Alabama](/coverage/product-liability/alabama) - [Alaska](/coverage/product-liability/alaska) - [Arizona](/coverage/product-liability/arizona) - [California](/coverage/product-liability/california) - [Colorado](/coverage/product-liability/colorado) - [Connecticut](/coverage/product-liability/connecticut) - [Delaware](/coverage/product-liability/delaware) - [District of Columbia](/coverage/product-liability/district-of-columbia) - [Florida](/coverage/product-liability/florida) - [Georgia](/coverage/product-liability/georgia) - [Hawaii](/coverage/product-liability/hawaii) - [Idaho](/coverage/product-liability/idaho) - [Illinois](/coverage/product-liability/illinois) - [Indiana](/coverage/product-liability/indiana) - [Kansas](/coverage/product-liability/kansas) - [Kentucky](/coverage/product-liability/kentucky) - [Louisiana](/coverage/product-liability/louisiana) - [Maine](/coverage/product-liability/maine) - [Maryland](/coverage/product-liability/maryland) - [Massachusetts](/coverage/product-liability/massachusetts) - [Michigan](/coverage/product-liability/michigan) - [Minnesota](/coverage/product-liability/minnesota) - [Missouri](/coverage/product-liability/missouri) - [Nebraska](/coverage/product-liability/nebraska) - [Nevada](/coverage/product-liability/nevada) - [New Hampshire](/coverage/product-liability/new-hampshire) - [New York](/coverage/product-liability/new-york) - [North Carolina](/coverage/product-liability/north-carolina) - [Ohio](/coverage/product-liability/ohio) [Other Coverage in Iowa](/coverage/states/iowa) ## Sources [^1]: [Iowa Code § 614.1, Period](https://www.legis.iowa.gov/docs/code/2026/614.1.pdf) — Iowa Legislature; 2026 official code, subsection 2A(a)–(b), product limitation and defined harmful-material exception; amendment history through 2021. Accessed 2026-09-28. [^2]: [Iowa Code § 613.18, Limitation on products liability of nonmanufacturers](https://www.legis.iowa.gov/docs/code/2026/613.18.pdf) — Iowa Legislature; 2026 official code, subsections 1–3, seller protections and unidentified-manufacturer tolling. Accessed 2026-09-28. [^3]: [Iowa Insurance Division](https://iid.iowa.gov/) — Iowa Insurance Division; Homepage; official insurance regulator. Accessed 2026-09-28. [^4]: [Insurance License Lookup](https://iid.iowa.gov/find-licensed-insurance-agent) — Iowa Insurance Division; State-designated producer/company search. Accessed 2026-09-28. [^5]: [File an Insurance Complaint](https://iid.iowa.gov/consumers/filing-complaints/how-do-i-consumer-complaints) — Iowa Insurance Division; Eligibility and process: regulated entities/individuals; insurance policy generally must be issued in Iowa, or group policy to Iowa-based employer; out-of-state-issued/purchased policy is not eligible; online form is preferred. Accessed 2026-09-28. [^6]: [2026 Iowa Code, Chapter 432](https://www.legis.iowa.gov/docs/code/2026/432.pdf) — Iowa Legislature; 2026 Iowa Code ch.432 §432.1(3)-(4): premium tax allocated to insured's Iowa home state; 2026 applicable rate 0.925%; §§1(5)-(6) payment schedule. Accessed 2026-09-28. [^7]: [2026 Iowa Code, Chapter 515I](https://www.legis.iowa.gov/docs/code/2026/515I.pdf) — Iowa Legislature; 2026 Iowa Code ch.515I §§515I.3(1)(c), .3(2)(a), .4(3), .9: eligible-insurer and diligence conditions; producer shall collect and pay tax in addition to gross premium; eligible surplus-lines insurer rate/form filing exemption; ECP admitted-market disclosure re possible greater protection/oversight and subsequent written request. Accessed 2026-09-28. [^8]: [Insurers Rate Filing and Policy Form Filings](https://iid.iowa.gov/regulated-entities/insurance-related/insurers/insurers-rate-filing-and-policy-form-filings) — Iowa Insurance Division; Current DOI filing page: lines 11–34 directs most rate/rule/form filings through SERFF and lists specific rates requiring filing and approval before use; 2026 Iowa Code §515I.4(3) separately exempts eligible surplus-lines insurers from rate/form filing or approval. Accessed 2026-09-28. [^9]: [Insurers](https://iid.iowa.gov/regulated-entities/insurance-related/insurers) — Iowa Insurance Division; Current insurer categories separately list licensed insurers, Iowa-domiciled companies, alien surplus-lines insurers and American surplus-lines companies; lines 16–24. Accessed 2026-09-28. [^10]: [Licenses](https://www.at-bay.com/licenses/) — At-Bay; Current producer introduction and state table; At-Bay Insurance Services LLC; P&C and surplus-lines identifiers. Accessed 2026-09-21. [^11]: [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses) — Coalition; Licenses and Carriers, re-read 22 September 2026: Insurance Licenses table for Coalition Insurance Solutions, Inc., national producer number 18419475, with producer and surplus-lines numbers for all 50 states and DC including California 0L76155, Georgia 196479, Texas 2199630 and 2205589, Pennsylvania 815731 and 817452, Colorado 539028 and Wisconsin 3000108852. Insurance Carriers table naming, with NAIC numbers, Allianz Underwriters Insurance Company 36420, Arch Specialty Insurance Company 21199, Ascot Specialty Insurance Company 45055, Ascot Insurance Company 23752, Aspen Specialty Insurance Company 10717, Chaucer Insurance Company DAC, Coalition Insurance Company 29530, Fireman's Fund Indemnity Corporation 11380, Fortegra Specialty Insurance Company 16823, Lloyd's of London, MSIG Specialty Insurance USA Inc. 34886, MS Transverse Specialty Insurance Company 41807, Steadfast Insurance Company 26387, Vantage Risk Specialty Insurance Company 16275 and Zurich American Insurance Company 16535.. Accessed 2026-09-22. [^12]: [Insurance Producer Licenses](https://www.corgi.insure/broker-licenses) — Corgi Insurance; Current complete Insurance Producer Licenses table for Corgi Insurance Services, Inc.; 50 rows covering 49 states and DC (DC 3003091619); no New Mexico row; no NPN or as-of date shown.. Accessed 2026-09-28. [^13]: [About Hiscox US Insurance](https://www.hiscox.com/about-hiscox-insurance) — Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16. [^14]: [Licenses](https://www.nextinsurance.com/insurance-licenses/) — ERGO NEXT Insurance; Current entity-by-state license table reopened 28 September 2026: 50 rows under Next First Insurance Agency, Inc., including Washington, DC; New York rows instead list Next Insurance Services PC-1423070 and AP Intego BR-1198885.. Accessed 2026-09-28. [^15]: [Insurance Licenses by State](https://www.techinsurance.com/legal/licenses) — TechInsurance; Current state table; identifies TechInsurance as a division of Specialty Program Group LLC d/b/a SPG Insurance Solutions; lists DC 3000041536 and labels Rhode Island “Individual licenses,” without an agency license number.. Accessed 2026-09-28. [^16]: [Licenses](https://www.vouch.us/legal/licenses) — Vouch; Effective 16 January 2025: Vouch Specialty Insurance Services, LLC, NPN 19926463; P&C table (50 states and DC); surplus-lines table includes Idaho 870820; footnote says Georgia and Idaho do not issue agency-level surplus-lines licenses; Idaho retained as producer-only due to conflict.. Accessed 2026-09-15. Updated 2026-09-28. This guide is informational and does not determine whether a policy is available or meets your needs. [Editorial policy](/editorial-policy). 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