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: February 11, 2025Education
Independent Contractors vs. Employees: Understanding Liability & Risk
Think hiring independent contractors relieves you of liability? Think again. Courts often redefine these relationships, sometimes in costly waysRead More - Published on: February 11, 2025Education
Towing Industry Insurance: What You Need to Know
If you're in the towing industry, you know that every day on the road presents unique challenges. From recovering stranded vehicles to transporting heavy loads, your business operates in high-risk environments. That’s why having the right towing insurance is essential—not just to comply with regulations but to protect your company from costly claims.Read More - Published on: February 6, 2025Education
How Dirt Haulers Cut Insurance Costs and Avoid Costly Pitfalls
When you run a dirt hauling operation, you know that keeping costs down while protecting your business is a constant battle. The trucking industry is changing, and dump truck operators face risks that go beyond what most insurance programs account for. The problem? Most policies aren’t built for your unique needs, and that means you’re likely overpaying—or worse, under protected.Read More - Published on: February 5, 2025Education
Is Your Home Properly Insured? Common Coverage Gaps Homeowners Overlook
Your home is likely one of your biggest investments, but is it fully protected? Many homeowners assume their insurance policy has them covered for all possible scenarios—until disaster strikes and they find out otherwise. Understanding common coverage gaps can help you avoid unexpected financial burdens and ensure you have the right protection in place.Read More - Published on: February 4, 2025Education
Is Your Business Prepared for a Cyberattack? Why Cyber Liability Insurance is a Must in 2025
In today's digital landscape, cyber threats are escalating at an alarming rate. In the third quarter of 2024, organizations experienced an average of 1,876 cyberattacks per week—a staggering 75% increase compared to the same period in 2023.Read More - Published on: January 22, 2025Education
Leveraging Technology: How Independent Agencies Can Help Clients Adapt to the Digital Transformation in Insurance
The insurance industry is in the middle of a digital revolution, with innovations like artificial intelligence (AI), digital platforms, and advanced analytics reshaping the landscape. For clients, these changes present both opportunities and challenges. Independent insurance agencies have a unique role in helping clients navigate these shifts, ensuring they make informed decisions and benefit from the latest tools without the stress of adapting alone.Read More - 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
