DES MOINES, IA — July 9, 2026 — Risk Advisors of Iowa (RAI), a Des Moines-based risk management and insurance advisory firm, today announced the launch of instant online quoting for trade contractor insurance, giving Iowa business owners the ability to price their coverage in minutes without waiting on a callback.
The new self-quote tool, available now at dsminsuranceguy.com/iowa-contractor-insurance, lets contractors enter basic business information and receive real-time pricing on general liability and other core coverages — a shift away from the traditional model of phone calls, paperwork, and multi-day turnaround times that has long defined commercial insurance shopping.
"Contractors don't have time to sit on hold to find out what a policy costs," said Dallas Downey, owner of Risk Advisors of Iowa. "We built this so a plumber, electrician, or general contractor in the Des Moines Metro can get a real number on their own schedule — at 7 a.m. before a job starts or 9 p.m. after the crew goes home. It doesn't replace the advisory work we do on bigger accounts, but for straightforward coverage, there's no reason it should take a week."
The tool covers foundational coverages trade contractors are frequently required to carry, including general liability, and is built for speed without sacrificing accuracy on Iowa-specific requirements such as workers' compensation and experience modifier considerations.
RAI continues to offer full advisory services for contractors with more complex risk profiles — including multi-crew operations, subcontractor exposure, bonding requirements, and businesses paying more than $100,000 annually in insurance premiums — where a tailored risk management strategy, rather than a self-service quote, is the right fit.
Risk Advisors of Iowa serves businesses across the Des Moines Metro area and operates in partnership with McDade Insurance of Houston, Texas, extending its risk management approach across both Iowa and Texas markets.
About Risk Advisors of Iowa
Risk Advisors of Iowa is a Des Moines-based insurance brokerage and risk management advisory firm specializing in commercial insurance, contractor coverage, and life insurance solutions for growing businesses.
Media Contact:
Dallas Downey
Risk Advisors of Iowa
dallas@mcdadeins.com / 515-373-8988