--- title: Insurance & Risk Management Blog | Life Insurance, Workers' Comp & Risk Tips | Risk Advisors of Iowa | Dallas Downey. CLCS description: Dallas, based in Des Moines, Iowa, is the founder and Managing Principal of DSMIG, a dedicated insurance consultant with many years of experience, and a partner of McDade Insurance Brokerage Group out of Houston, Texas. When not assisting his clients, he is working on personal projects or running the networking organization he has co-founded. --- [Skip to content](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs#main-content) ![RAI\_Header\_Logo-removebg-preview](https://www.dsminsuranceguy.com/hs-fs/hubfs/RAI_Header_Logo-removebg-preview.png?width=628&height=96&name=RAI_Header_Logo-removebg-preview.png) - [Home](https://www.dsminsuranceguy.com/) - [Services](https://www.dsminsuranceguy.com/iowa-insurance-services) Show submenu for Services - [Commercial Insurance](https://www.dsminsuranceguy.com/insurance-for-iowa-businesses) Show submenu for Commercial Insurance - [Get a Commercial Quote](https://www.dsminsuranceguy.com/commercial-insurance-quote-risk-advisors-of-iowa-dallas-downey) - [Iowa Contractor Insurance](https://www.dsminsuranceguy.com/iowa-contractor-insurance) - [Iowa Builders Risk Insurance](https://www.dsminsuranceguy.com/builders-risk-insurance) - [Life Insurance](https://www.dsminsuranceguy.com/life-insurance-for-iowa) - [Iowa Home Insurance](https://www.dsminsuranceguy.com/iowa-home-insurance) - [Iowa Auto Insurance](https://www.dsminsuranceguy.com/iowa-auto-insurance) - [About](https://www.dsminsuranceguy.com/about) Show submenu for About - Areas Served Show submenu for Areas Served - [Free Risk Management Tips](https://www.dsminsuranceguy.com/risk-management-made-simple) - [Ankeny](https://www.dsminsuranceguy.com/ankeny-business-insurance) - [Des Moines](https://www.dsminsuranceguy.com/desmoines-business-insurance) - [Urbandale](https://www.dsminsuranceguy.com/urbandale-business-insurance) - [Waukee](https://www.dsminsuranceguy.com/waukee-business-insurance) - [West Des Moines](https://www.dsminsuranceguy.com/westdesmoines-business-insurance) - [Blog](https://www.dsminsuranceguy.com/iowa-insurance-blog) Open main navigation Close main navigation - [Home](https://www.dsminsuranceguy.com/) - [Services](https://www.dsminsuranceguy.com/iowa-insurance-services) Show submenu for Services - [Commercial Insurance](https://www.dsminsuranceguy.com/insurance-for-iowa-businesses) Show submenu for Commercial Insurance - [Get a Commercial Quote](https://www.dsminsuranceguy.com/commercial-insurance-quote-risk-advisors-of-iowa-dallas-downey) - [Iowa Contractor Insurance](https://www.dsminsuranceguy.com/iowa-contractor-insurance) - [Iowa Builders Risk Insurance](https://www.dsminsuranceguy.com/builders-risk-insurance) - [Life Insurance](https://www.dsminsuranceguy.com/life-insurance-for-iowa) - [Iowa Home Insurance](https://www.dsminsuranceguy.com/iowa-home-insurance) - [Iowa Auto Insurance](https://www.dsminsuranceguy.com/iowa-auto-insurance) - [About](https://www.dsminsuranceguy.com/about) Show submenu for About - Areas Served Show submenu for Areas Served - [Free Risk Management Tips](https://www.dsminsuranceguy.com/risk-management-made-simple) - [Ankeny](https://www.dsminsuranceguy.com/ankeny-business-insurance) - [Des Moines](https://www.dsminsuranceguy.com/desmoines-business-insurance) - [Urbandale](https://www.dsminsuranceguy.com/urbandale-business-insurance) - [Waukee](https://www.dsminsuranceguy.com/waukee-business-insurance) - [West Des Moines](https://www.dsminsuranceguy.com/westdesmoines-business-insurance) - [Blog](https://www.dsminsuranceguy.com/iowa-insurance-blog) - [Contact us](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs#contact) [Contact us](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs#contact) # Iowa Insurance & Risk Management Blog   Covering life insurance, workers' compensation, commercial risk, and everything in between — for Iowa families and business owners. - There are no suggestions because the search field is empty. [![](https://www.dsminsuranceguy.com/hubfs/Dark_blue_and_gold_cyber_insurance_blog_hero_image_with_Des_Moines_skyline_and_digital_shield.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-cyber-insurance-market-2026-what-businesses-must-know) [Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance) ## [2026 Cyber Insurance: What Iowa Businesses Need to Understand Right Now](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-cyber-insurance-market-2026-what-businesses-must-know) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) July 20, 2026 at 4:13 PM The cyber insurance market has shifted meaningfully in favor of buyers over the last 18 months, and ... [Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-cyber-insurance-market-2026-what-businesses-must-know) [![](https://www.dsminsuranceguy.com/hubfs/AI-Generated%20Media/Images/Risk%20Advisors%20Iowa%20Office%20Environment.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/rai-launches-instant-online-quoting-for-iowa-trade-contractors) [Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [West Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/west-des-moines), [Builders Risk insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/builders-risk-insurance), [general liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/general-liability), [Professional liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/professional-liability), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance), [Workers Compensation](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/workers-compensation), [Risk Management](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/risk-management) ## [Press Release: FOR IMMEDIATE RELEASE - Risk Advisors of Iowa Launches Instant Online Quoting for Iowa Trade Contractors](https://www.dsminsuranceguy.com/iowa-insurance-blog/rai-launches-instant-online-quoting-for-iowa-trade-contractors) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) July 9, 2026 at 1:43 PM DES MOINES, IA — July 9, 2026 — Risk Advisors of Iowa (RAI), a Des Moines-based risk management and ... [Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/rai-launches-instant-online-quoting-for-iowa-trade-contractors) [![](https://www.dsminsuranceguy.com/hubfs/AI-Generated%20Media/Images/Diverse%20Business%20Owners%20Discussing%20Risk%20Management%20at%20Conference%20Table-1.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/risk-management-for-iowa-businesses-where-to-start) [Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [Professional liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/professional-liability), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance), [Risk Management](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/risk-management) ## [Why Iowa Business Owners Can't Afford to Ignore Basic Risk Management](https://www.dsminsuranceguy.com/iowa-insurance-blog/risk-management-for-iowa-businesses-where-to-start) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) April 21, 2026 at 4:21 PM Most Iowa business owners didn't get into business to become risk management experts. You built your... [Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/risk-management-for-iowa-businesses-where-to-start) [![](https://www.dsminsuranceguy.com/hubfs/AI-Generated%20Media/Images/Modern%20Classroom%20with%20Business%20Owners%20and%20Risk%20Management%20Infographic-1.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/risk-management-made-simple-for-iowa-businesses) [Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Professional liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/professional-liability), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business), [Risk Management](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/risk-management) ## [Risk Management Made Simple for Businesses: Here's How This Works](https://www.dsminsuranceguy.com/iowa-insurance-blog/risk-management-made-simple-for-iowa-businesses) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) April 21, 2026 at 4:16 PM If you've landed here, you already know the mission: education, not gatekeeping. No fine print, no u... [Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/risk-management-made-simple-for-iowa-businesses) [![Cyber Insurance RAI](https://www.dsminsuranceguy.com/hubfs/user-gen-media-assets.s3.amazonaws.com%20(2).png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/cyber-insurance-for-businesses-des-moines-houston) [Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [general liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/general-liability), [Professional liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/professional-liability), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance) ## [What the Stryker Cyberattack Should Make Every Business Owner Think About](https://www.dsminsuranceguy.com/iowa-insurance-blog/cyber-insurance-for-businesses-des-moines-houston) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) March 16, 2026 at 1:19 PM When Iranian-linked hackers wiped out over 200,000 systems at Stryker Corporation in a single night,... [Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/cyber-insurance-for-businesses-des-moines-houston) [![Iowa Cyber Insurance Des Moines](https://www.dsminsuranceguy.com/hubfs/mcdade52-a-server-room-in-a-data-center-dimly-lit-with-rows-of-ca77b0e0-7086-49fe-9f57-580817929744_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/des-moines-cyber-insurance-help-risk-advisors-of-iowa-dsmig) [Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance) ## [Why Iowa Small Businesses Are Prime Targets for Cyber Threats - Cyber Insurance Best Practices](https://www.dsminsuranceguy.com/iowa-insurance-blog/des-moines-cyber-insurance-help-risk-advisors-of-iowa-dsmig) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) November 20, 2025 at 3:35 PM Small business owners often believe they're flying under the radar of cybercriminals, but the realit... [Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/des-moines-cyber-insurance-help-risk-advisors-of-iowa-dsmig) [![Farm Boy Collision Logo](https://www.dsminsuranceguy.com/hubfs/492003679_1718170795438823_9163061236587628306_n.jpg)](https://www.dsminsuranceguy.com/iowa-insurance-blog/auto-collision-repair-process-8-steps-that-ensure-your-car-returns-better-des-moines) [Community](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/community), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines) ## [The Farm Boy Process - Des Moines Auto Collision Repair Specialists](https://www.dsminsuranceguy.com/iowa-insurance-blog/auto-collision-repair-process-8-steps-that-ensure-your-car-returns-better-des-moines) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) September 24, 2025 at 3:45 PM From the author: I work with a lot of local business owners and drivers, and collision damage and in... [Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/auto-collision-repair-process-8-steps-that-ensure-your-car-returns-better-des-moines) [![Iowa Return to Work Program](https://www.dsminsuranceguy.com/hubfs/9021591b-86a0-42cd-8723-fa8220621fc5.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-a-return-to-work-program-reduce-your-iowa-work-comp-costs) [Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Insurance Advice](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/insurance-advice), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [West Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/west-des-moines), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance), [Workers Compensation](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/workers-compensation) ## [What is a Return to Work Program?](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-a-return-to-work-program-reduce-your-iowa-work-comp-costs) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) August 25, 2025 at 2:53 PM [Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-a-return-to-work-program-reduce-your-iowa-work-comp-costs) [![](https://www.dsminsuranceguy.com/hubfs/ChatGPT%20Image%20Apr%2015%2c%202025%2c%2011_14_32%20AM.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/how-key-person-life-insurance-protects-des-moines-businesses) [Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Insurance Advice](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/insurance-advice), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [West Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/west-des-moines), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance) ## [How Key Person Life Insurance Protects Des Moines Businesses](https://www.dsminsuranceguy.com/iowa-insurance-blog/how-key-person-life-insurance-protects-des-moines-businesses) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) April 15, 2025 at 12:28 PM As a Des Moines business owner, you've invested countless hours building your company. From the East... [Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/how-key-person-life-insurance-protects-des-moines-businesses) [![](https://www.dsminsuranceguy.com/hubfs/ChatGPT%20Image%20Apr%207%2c%202025%2c%2001_28_02%20PM.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/2025-safety-report-for-iowa-businesses-mitigating-risks-with-dsmig) [Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Iowa Insurance Broker](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-insurance-broker), [Insurance Advice](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/insurance-advice), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [general liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/general-liability), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance), [Workers Compensation](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/workers-compensation) ## [2025 Safety Report for Iowa Business Owners: Understanding Risks & Mitigation Strategies](https://www.dsminsuranceguy.com/iowa-insurance-blog/2025-safety-report-for-iowa-businesses-mitigating-risks-with-dsmig) [Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) April 7, 2025 at 2:29 PM As business owners, understanding and managing risks is one of the most important pieces for maintai... 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If that's the approach you look for in an insurance partner, we'd love to have a conversation to see if we'd be a fit for your organization.  [Learn more](https://www.dsminsuranceguy.com/contact.html) --- [![Des Moines Insurance Guy, Risk Advisors of Iowa](https://www.dsminsuranceguy.com/hs-fs/hubfs/RAI_Header_Logo-removebg-preview.png?width=628&height=96&name=RAI_Header_Logo-removebg-preview.png "Des Moines Insurance Guy, Risk Advisors of Iowa")](https://www.dsminsuranceguy.com/) Copyright © 2026, ```json { "@context" : "https://schema.org", "@type" : "Blog", "about" : [ { "@type" : "Thing", "name" : "Life Insurance" }, { "@type" : "Thing", "name" : "Workers Compensation Insurance" }, { "@type" : "Thing", "name" : "Commercial Insurance" }, { "@type" : "Thing", "name" : "Risk Management" }, { "@type" : "Thing", "name" : "Key Person Insurance" } ], "author" : { "@type" : "Person", "jobTitle" : "Managing Principal", "name" : "Dallas Downey", "worksFor" : { "@type" : "InsuranceAgency", "name" : "Risk Advisors of Iowa" } }, "description" : "Practical life insurance, workers' compensation, and commercial risk management insights for Iowa families and business owners from Risk Advisors of Iowa, based in Des Moines.", "name" : "Iowa Insurance & Risk Management Blog", "publisher" : { "@type" : "InsuranceAgency", "address" : { "addressCountry" : "US", "addressLocality" : "Des Moines", "addressRegion" : "IA" }, "name" : "Risk Advisors of Iowa", "url" : "https://www.dsminsuranceguy.com" }, "url" : "https://www.dsminsuranceguy.com/dsmig-blog" } ```