---
title: Insurance & Risk Management Blog | Life Insurance, Workers' Comp & Risk Tips | Risk Advisors of Iowa (2)
description: Iowa business and life insurance insights from Risk Advisors of Iowa in Des Moines. Practical tips on workers' comp, E-mods, commercial coverage, and life insurance for families and business owners. (2)
---

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# Iowa Insurance & Risk Management Blog

 

Covering life insurance, workers' compensation, commercial risk, and everything in between — for Iowa families and business owners.

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[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), [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)

## [What is Social Engineering Fraud? Understanding the Threat to Des Moines Businesses](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-social-engineering-fraud-des-moines-insurance-guy)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 March 24, 2025 at 8:30 AM

What is Social Engineering Fraud? As a Des Moines business insurance professional, I frequently disc...

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[![](https://www.dsminsuranceguy.com/hubfs/Workers%20comp%20audit.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-business-interruption-insurance-coverage-des-moines)

[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), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property)

## [Understanding Business Interruption Insurance for Des Moines Businesses](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-business-interruption-insurance-coverage-des-moines)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 March 10, 2025 at 8:30 AM

What Is Business Interruption Insurance? Running a business in Des Moines requires careful planning ...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-business-interruption-insurance-coverage-des-moines)

[![](https://www.dsminsuranceguy.com/hubfs/Payroll.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/understanding-workers-compensation-experience-modifiers-des-moines-business-insurance)

[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)

## [Understanding Your Workers Compensation Experience Modifier: A Business Owner's Guide](https://www.dsminsuranceguy.com/iowa-insurance-blog/understanding-workers-compensation-experience-modifiers-des-moines-business-insurance)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 March 3, 2025 at 5:27 PM

Think of your Workers Compensation Experience Modifier (E-mod) as your insurance report card. As a D...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/understanding-workers-compensation-experience-modifiers-des-moines-business-insurance)

[![](https://www.dsminsuranceguy.com/hubfs/commercial%20fleet%20insurance%20iowa.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/5-needed-commercial-auto-insurance-coverages-des-moines)

[Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/des-moines), [Iowa Auto Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-auto-insurance), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business)

## [5 Essential Commercial Auto Insurance Coverages Des Moines Businesses Can't Ignore](https://www.dsminsuranceguy.com/iowa-insurance-blog/5-needed-commercial-auto-insurance-coverages-des-moines)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 February 3, 2025 at 8:45 AM

If you're managing a fleet of vehicles, protecting your investment is paramount. At DSMIG, we've hel...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/5-needed-commercial-auto-insurance-coverages-des-moines)

[![](https://www.dsminsuranceguy.com/hubfs/West%20des%20moines%20commercial%20property.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/commercial-property-insurance-west-des-moines-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), [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), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business)

## [Commercial Property Insurance in West Des Moines: A Building Owner's Guide](https://www.dsminsuranceguy.com/iowa-insurance-blog/commercial-property-insurance-west-des-moines-dsmig)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 January 27, 2025 at 8:45 AM

If you're a building owner in West Des Moines, Waukee, or the greater Des Moines metro area, your co...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/commercial-property-insurance-west-des-moines-dsmig)

[![](https://www.dsminsuranceguy.com/hubfs/Workers%20comp%20audit.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/workers-compensation-audit-guide-des-moines-business-insurance)

[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 Business Owners Should Know About Workers Compensation Audits in Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/workers-compensation-audit-guide-des-moines-business-insurance)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 January 20, 2025 at 8:30 AM

Understanding your workers compensation insurance audit process helps you maintain accurate coverage...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/workers-compensation-audit-guide-des-moines-business-insurance)

[![](https://www.dsminsuranceguy.com/hubfs/mcdade52-an-urban-construction-site-bathed-in-bright-midmorning-6718dbd3-9a93-4d5f-835a-426280147a30_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/builders-risk-insurance-in-des-moines-construction-coverage-guide)

[Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/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), [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), [property](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/property)

## [Understanding Builders Risk Insurance in Des Moines: What Construction Professionals Need to Know](https://www.dsminsuranceguy.com/iowa-insurance-blog/builders-risk-insurance-in-des-moines-construction-coverage-guide)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 January 13, 2025 at 8:30 AM

Construction projects in Des Moines, West Des Moines, and Ankeny are booming. From downtown Des Moin...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/builders-risk-insurance-in-des-moines-construction-coverage-guide)

[![](https://www.dsminsuranceguy.com/hubfs/handshake%20wos.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/waiver-of-subrogation-guide-des-moines-business-insurance)

[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), [general liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/general-liability), [Commercial insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/commercial-insurance)

## [Understanding Waiver of Subrogation for Des Moines Area Businesses](https://www.dsminsuranceguy.com/iowa-insurance-blog/waiver-of-subrogation-guide-des-moines-business-insurance)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 January 6, 2025 at 8:45 AM

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/waiver-of-subrogation-guide-des-moines-business-insurance)

[![](https://www.dsminsuranceguy.com/hubfs/iStock-962425588.jpg)](https://www.dsminsuranceguy.com/iowa-insurance-blog/6-things-des-moines-business-owners-need-to-do-in-2025)

## [6 Things Des Moines Business Owners Need to Do in 2025](https://www.dsminsuranceguy.com/iowa-insurance-blog/6-things-des-moines-business-owners-need-to-do-in-2025)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 December 30, 2024 at 8:15 AM

As Managing Principal of DSMIG, I've worked with business owners big and small throughout Des Moines...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/6-things-des-moines-business-owners-need-to-do-in-2025)

[![](https://www.dsminsuranceguy.com/hubfs/mcdade52_A_photorealistic_image_of_a_contractor_shaking_hands_w_5c6f327b-1676-49eb-9945-2564b8fdb262.webp)](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-contractor-insurance)

[Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/business-insurance), [Des Moines](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/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), [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)

## [Iowa Contractor Insurance: Protect What you've Built](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-contractor-insurance)

[Dallas Downey. CLCS](https://www.dsminsuranceguy.com/iowa-insurance-blog/author/dallas-downey-clcs) 

 August 14, 2024 at 3:53 PM

As an Iowa contractor, you've invested countless hours, resources, and effort into building your bus...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-contractor-insurance)

[First](https://www.dsminsuranceguy.com/iowa-insurance-blog) [Prev](https://www.dsminsuranceguy.com/iowa-insurance-blog) [1](https://www.dsminsuranceguy.com/iowa-insurance-blog) [2](https://www.dsminsuranceguy.com/iowa-insurance-blog/page/2) [3](https://www.dsminsuranceguy.com/iowa-insurance-blog/page/3) [4](https://www.dsminsuranceguy.com/iowa-insurance-blog/page/4) [5](https://www.dsminsuranceguy.com/iowa-insurance-blog/page/5) [Next](https://www.dsminsuranceguy.com/iowa-insurance-blog/page/3) [Last](https://www.dsminsuranceguy.com/iowa-insurance-blog/page/5)

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---

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