---
title: Insurance & Risk Management Blog | Life Insurance, Workers' Comp & Risk Tips | Risk Advisors of Iowa | Iowa Business Insurance (2)
description: Iowa Business Insurance | 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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## [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)

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[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)

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## [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/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)

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## [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)

[![Des Moines Business Owner Tips](https://www.dsminsuranceguy.com/hubfs/mcdade52-a-dynamic-insurance-office-scene-client-shaking-hands-04e30abb-f190-4a94-802c-8aecce9bb8f0_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/5-things-every-new-des-moines-business-owner-needs)

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

## [5 Things Every New Des Moines Business Owner Needs](https://www.dsminsuranceguy.com/iowa-insurance-blog/5-things-every-new-des-moines-business-owner-needs)

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

 June 17, 2024 at 11:55 AM

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/5-things-every-new-des-moines-business-owner-needs)

[![Iowa Agent of Record Change](https://www.dsminsuranceguy.com/hubfs/mcdade52-a-rustic-themed-michelin-star-restaurant-warm-wooden-i-98960640-8095-4da1-af7f-75d41397334f.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-restaurant-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), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business)

## [Restaurant Insurance in Iowa: What coverages does my business need?](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-restaurant-insurance)

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

 May 21, 2024 at 12:54 PM

Running a restaurant is an exciting adventure, but let's not forget about the serious stuff, like in...

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

[![Iowa Agent of Record Change](https://www.dsminsuranceguy.com/hubfs/iStock-962425588.jpg)](https://www.dsminsuranceguy.com/iowa-insurance-blog/lower-iowa-workers-comp-premiums)

[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), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business), [Workers Compensation](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/workers-compensation)

## [Strategies to Lower your Iowa Business Insurance Premiums - Workers Compensation](https://www.dsminsuranceguy.com/iowa-insurance-blog/lower-iowa-workers-comp-premiums)

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

 May 21, 2024 at 12:42 PM

Iowa businesses face unique challenges and opportunities when it comes to managing workers' compensa...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/lower-iowa-workers-comp-premiums)

[![Iowa Agent of Record Change](https://www.dsminsuranceguy.com/hubfs/iStock-962425588.jpg)](https://www.dsminsuranceguy.com/iowa-insurance-blog/strategies-to-lower-iowa-general-liability-premiums)

[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), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business)

## [Strategies to Lower Your Iowa Business Insurance Premiums - General Liability](https://www.dsminsuranceguy.com/iowa-insurance-blog/strategies-to-lower-iowa-general-liability-premiums)

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

 May 21, 2024 at 12:31 PM

As an Iowa business owner, it's paramount to shield your enterprise from unforeseen risks and liabil...

[Read more](https://www.dsminsuranceguy.com/iowa-insurance-blog/strategies-to-lower-iowa-general-liability-premiums)

[![Iowa Agent of Record Change](https://www.dsminsuranceguy.com/hubfs/nonprofit_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-nonprofit-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), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business)

## [Iowa Non Profit Insurance - The 5 Types of Coverage You Need](https://www.dsminsuranceguy.com/iowa-insurance-blog/iowa-nonprofit-insurance)

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

 May 21, 2024 at 12:19 PM

Operating a non profit in Iowa comes with its unique set of challenges and responsibilities, particu...

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

[![Iowa Agent of Record Change](https://www.dsminsuranceguy.com/hubfs/mcdade52-a-dynamic-insurance-office-scene-client-shaking-hands-04e30abb-f190-4a94-802c-8aecce9bb8f0_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/changing-iowa-insurance-agents)

[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), [Iowa Small Business](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-small-business)

## [Can I Change Insurance Agents? The Iowa AOR Change Hack](https://www.dsminsuranceguy.com/iowa-insurance-blog/changing-iowa-insurance-agents)

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

 May 21, 2024 at 11:56 AM

Understanding the Agent of Record change, or AOR, is a fundamental component in the insurance landsc...

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

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

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---

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