Dana Coates serves as a Strategic Advisor at UWIB Risk & Insurance Solutions, an independent agency with branches in Nashville, Coeur d’Alene, and Los Angeles. Together with his wife, Gina, Dana oversees agency management, operations, and technology. With nearly five decades of industry experience, Dana has held diverse roles, from underwriter to software design partner, and from agency owner to industry association volunteer. He is dedicated to providing practical solutions for
agency and risk management needs.
Gina and Dana Coates, respectively holding positions as President and Director of Strategic Partnerships at UWIB Risk, Inc., met at Dana’s family agency, Ingham, Coates, & Payne. Despite initial doubts from acquaintances, their personal and professional partnership thrived. In 1996, they founded United Western Insurance Brokers, later rebranded as UWIB Risk. Maintaining separate insurance careers until 2004, they cultivated the agency's growth, with Gina leading the Private Client team and Dana overseeing Commercial P&C and Benefits. Today, their agency boasts a
team of over fifteen employees, and they take pride in nurturing each member’s
success through mentorship and support."
- Published on: January 16, 2025Opinion
Luxury Is Freedom, Not Excess
Luxury. The word itself often conjures images of mansions with gilded chandeliers, yachts cruising into the horizon, or wardrobes bursting with designer labels. But if we take a step back, strip away the glitter, and look deeper, we realize that luxury doesn’t have to mean excess. Instead, true luxury is a life lived with intention, balance, and freedom.Read More - Published on: January 16, 2025News
Navigating Insurance During Southern California’s Wildfire Crisis
The wildfires sweeping through Southern California are a grim reminder of how quickly disaster can strike, upending lives and destroying homes, businesses, and communities. The Palisades Fire and Eaton Fire, which have together ravaged tens of thousands of acres and claimed lives, underline the critical importance of preparedness—both in terms of personal safety and financial security.Read More - Published on: January 16, 2025News
State Farm Bows Out of Super Bowl Advertising Amid California Insurance Market Upheaval
State Farm’s announcement that it will forego advertising during the 59th Super Bowl has sparked intrigue across the industry. The company cites a desire to prioritize customer assistance during tough times—a noble sentiment on the surface. However, this decision coincides with sweeping policy non-renewals and dramatic rate hikes in California, painting a more complex picture of the insurer’s motivations.Read More - Published on: January 14, 2025Education
Understanding Additional Living Expense (ALE) Coverage: What It Is—and What It Isn’t
Experiencing the total loss of your home in a disaster, such as a wildfire, is devastating. As you begin to rebuild your life, it’s natural to turn to your homeowners’ insurance policy for support. One key component of this policy is Additional Living Expense (ALE) coverage, designed to help you manage the increased cost of living after being displaced from your home.Read More - Published on: January 13, 2025Education
Recent Developments in California's Home Insurance Amid Wildfire Risks
California's picturesque landscapes come with a fiery downside: wildfires. In recent years, these natural disasters have intensified, leading to significant challenges for homeowners seeking insurance coverage. Let's delve into the evolving home insurance landscape in California and explore how you can navigate these fiery waters.Read More - Published on: January 10, 2025Education
You’re Not Alone: Navigating Natural Disasters Together
Facing a natural disaster is never easy, but you don’t have to do it alone. In times of crisis, support and resources are vital to help you and your family overcome challenges and rebuild stronger than ever. Whether you need immediate assistance, guidance on recovery, or emotional support, there’s help available every step of the way.Read More - Published on: January 9, 2025Education
The Expanding Scope of PFAS Litigation: What It Means for Your Business
Lawsuits involving per- and polyfluoroalkyl substances (PFAS), also known as “forever chemicals,” are reshaping industries as we know them. These cases now extend beyond chemical manufacturers to include a wide array of industries such as cosmetics, packaging, and food chains.Read More - Published on: January 13, 2025Education
What to Do If You Lose Your Home: Practical Tips for Navigating Insurance and Recovery
The loss of a home is a devastating event, but with the right steps, you can navigate the recovery process more smoothly. Having worked through this process with friends, family, and clients, I can confidently share these practical tips to help guide you during this challenging time.Read More
