---
title: Insurance & Risk Management Blog | Life Insurance, Workers' Comp & Risk Tips | Risk Advisors of Iowa | Umbrella Insurance
description: Umbrella 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.
---

[Skip to content](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/umbrella-insurance#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/tag/umbrella-insurance#contact)

[Contact us](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/umbrella-insurance#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/mcdade52-a-perfect-photo-of-a-vivacious-red-sports-car-slicing-797a6f34-7686-47c7-81ff-4321825e4bcf_orig.png)](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-umbrella-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), [Umbrella Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/umbrella-insurance), [Iowa Business Insurance](https://www.dsminsuranceguy.com/iowa-insurance-blog/tag/iowa-business-insurance)

## [Understanding Umbrella Insurance - What is it for?](https://www.dsminsuranceguy.com/iowa-insurance-blog/what-is-umbrella-insurance)

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

 April 30, 2024 at 2:22 PM

Picture this: You're heading to work. You're merging on the freeway, and you don't notice the $250,0...

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

## Did we make things easy to understand?

Our focus is to educate, not sell. 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"
}
```