Risk Management & Commercial Insurance for Iowa Businesses
Insure Yourself Properly
Reach out to us to find out how.
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Commercial Business Insurance
Running your business is hard. Don't make it harder by not having a trusted experienced partner to ensure you're protected correctly. Our partnership approach has helped other business owners have peace of mind when operating, and takes the guess work out of their insurance picture.
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Life Insurance
Leave a legacy to remember. Protect yourself, your business, and your loved ones from your untimely departure with Risk Advisors of Iowa
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Classic Car Insurance
While we insure all sorts of different vehicle, we've got a soft spot for insuring classics. From Yenko Camaros to R32 GTRs, we know how important it is to ensure your garage queens are safe.
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Employee Benefits and Payroll
With our goal to make running your business as stress-free as possible, we've created a partnership that provides direct support on your benefits and payroll needs
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High Value Home Insurance
Your home is your most valuable asset, and when your home is worth more than $750,000, more care needs to be had when insuring it to make certain you're covered properly
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And much more!
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Frequently Asked Questions About Iowa Insurance Services
Q1: What commercial insurance services does Risk Advisors of Iowa offer?
A: Risk Advisors of Iowa offers commercial business insurance, workers' compensation risk management, life insurance, employee benefits, and specialty coverages for Des Moines and Iowa businesses. Every commercial engagement begins with the RAI Baseline Assessment — a diagnostic process that maps total cost of risk and real exposures before any coverage is recommended.
Q2: Does Risk Advisors of Iowa work with businesses paying over $100,000 in premiums?
A: Yes. Risk Advisors of Iowa specializes in commercial risk management for businesses paying $100,000 or more in annual insurance premiums. Founder Dallas Downey, CLCS, provides Fortune 500‑level risk architecture and strategic advisory services to high‑premium Iowa and Texas businesses.
Q3: Does Risk Advisors of Iowa insure classic cars in Iowa?
A: Yes. Risk Advisors of Iowa offers agreed value classic car insurance for collector vehicles across Iowa, including muscle cars, vintage imports, and high‑value collector autos.
Q4: What is the RAI Baseline Assessment?
A: The RAI Baseline Assessment, sometimes known as a Business Risk Diagnostic, is Risk Advisors of Iowa's proprietary risk architecture review. It analyzes a business's current insurance program, experience modification rate, total cost of risk, and coverage gaps before any recommendation is made. The assessment is available to Iowa and Texas businesses paying $100,000+ in annual premiums.
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