--- title: Insurance Insights description: Get insights on commercial insurance, workplace safety, and employee benefits. The DSPins Blog delivers expert tips, industry updates, and risk management strategies to help businesses protect their people and profits. --- [![DSP Insurance Services](https://blog.dspins.com/hs-fs/hubfs/raw_assets/public/Dsp_November2023/images/DSP-Logo-500.png?width=500&height=382&name=DSP-Logo-500.png "DSP Insurance Services")](https://www.dspins.com/) - [Insurance Solutions](https://www.dspins.com/insurance-solutions/) - [Business Insurance](https://www.dspins.com/business-insurance/) - [Workers’ Compensation](https://www.dspins.com/business-insurance/workers-compensation-insurance/) - [Directors and Officers Liability](https://www.dspins.com/business-insurance/directors-and-officers-liability-insurance/) - [Employment Practice Liability](https://www.dspins.com/business-insurance/employment-practice-liability-insurance/) - [See All](https://www.dspins.com/business-insurance/) - [Employee Benefits](https://www.dspins.com/employee-benefits/) - [Group Health](https://www.dspins.com/employee-benefits/group-health-insurance/) - [Group Dental](https://www.dspins.com/employee-benefits/group-dental-insurance/) - [Group Vision](https://www.dspins.com/employee-benefits/group-vision-insurance/) - [See All](https://www.dspins.com/employee-benefits/) - [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/) - [Contractor](https://www.dspins.com/business-insurance/insurance-by-industry/contractor-insurance/) - [Manufacturer](https://www.dspins.com/business-insurance/insurance-by-industry/manufacturer-insurance/) - [Financial Institution](https://www.dspins.com/business-insurance/insurance-by-industry/financial-institution-insurance/) - [See All](https://www.dspins.com/business-insurance/insurance-by-industry/) - [Personal Insurance](https://www.dspins.com/personal-insurance/) - [Home](https://www.dspins.com/personal-insurance/home-insurance/) - [Auto](https://www.dspins.com/personal-insurance/auto-insurance/) - [Umbrella](https://www.dspins.com/personal-insurance/umbrella-insurance/) - [See All](https://www.dspins.com/personal-insurance/) - [Safety Consulting](https://www.dspins.com/safety-consulting/) - [Service Center](https://www.dspins.com/service-center/) - [Explore Policy Options](https://www.dspins.com/service-center/) - [Report a Claim](https://www.dspins.com/service-center/report-a-claim/) - [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/) - [Request a Certificate](https://www.dspins.com/service-center/request-certificate/) - [Request a Bond](https://www.dspins.com/service-center/report-a-claim/) - [Policy Review](https://www.dspins.com/service-center/policy-review/) - [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/) - [Client Login](https://www.dspins.com/service-center/#client-login) - [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/) - [About](https://www.dspins.com/service-center/) - [About Our Agency](https://blog.dspins.com/About%20Our%20Agency) - [Agency News](https://www.dspins.com/blog/category/agency-news/) - [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/) - [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/) - [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/) - [Community Involvement](https://www.dspins.com/about-our-agency/community-involvement/) - [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/) - [Learn About Our Agency](https://www.dspins.com/about-our-agency/) - Media - [Blog](https://blog.dspins.com/) - [Podcast](https://www.dspins.com/podcast/) - [Events](https://info.dspins.com/events) - [Contact](https://www.dspins.com/contact/) - [Schaumburg, IL Office](https://www.dspins.com/contact/schaumburg-il-insurance/) - [1900 E. 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Golf Road Suite 650 Schaumburg, IL 60173](https://www.dspins.com/contact/schaumburg-il-insurance/) - [847-934-6100](tel:847-934-6100) - [info@dspins.com](https://blog.dspins.com/info@dspins.com) - [Review Us](https://www.dspins.com/contact/review-us/) - [Refer Us](https://www.dspins.com/contact/refer-us/) - [Contact](https://www.dspins.com/contact/) - [847-934-6100](tel:847-934-6100) - [Request Quote](https://www.dspins.com/request-quote/) - - ![DSP background](https://blog.dspins.com/hubfs/DSP%20background.png) # DSP Insurance Insights Get insights on commercial insurance, property and casualty insurance, workplace safety, and employee benefits. Our blog articles deliver expert tips, industry updates, and risk management strategies to help businesses protect their people and profits. ## [Why Water Damage Claims Get Denied (And How to Avoid It)](https://blog.dspins.com/why-water-damage-claims-get-denied-and-how-to-avoid-it) ## [Your Team Is Using AI. Is Your Insurance Program Keeping Up?](https://blog.dspins.com/your-team-is-using-ai.-is-your-insurance-program-keeping-up) ## [E-Bikes and E-Scooters: The Speed Is the Feature. It's Also the Risk.](https://blog.dspins.com/ebike-escooter-safety-check) ## [Employment Practices Liability Trends Employers Should Watch in 2026](https://blog.dspins.com/employment-practices-liability-trends-employers-should-watch-in-2026) ## [AI Changed Cybersecurity. Has Your Business Changed With It?](https://blog.dspins.com/ai-changed-cybersecurity.-has-your-business-changed-with-it) ## [The Stop-Loss Attachment Point Buyer's Guide: How to Set the Number for 2027](https://blog.dspins.com/the-stop-loss-attachment-point-buyers-guide-how-to-set-the-number-for-2027) ## [Unlocking Greater Bonding Capacity: How the SBA Surety Bond Guarantee Program Can Bridge the Gap](https://blog.dspins.com/unlocking-greater-bonding-capacity-how-the-sba-surety-bond-guarantee-program-can-bridge-the-gap) ## [The Prescription Drug Machine: What Employers Need to Know About Rising Pharmacy Costs](https://blog.dspins.com/the-prescription-drug-machine-what-employers-need-to-know-about-rising-pharmacy-costs) ## [BCBS Association Class Action Settlement](https://blog.dspins.com/bcbs-association-class-action-settlement) ## [Illinois Requires Unpaid Leave for Parents of NICU Babies](https://blog.dspins.com/illinois-requires-unpaid-leave-for-parents-of-nicu-babies) ## [The Peptide Decade Will Reshape Pharmacy](https://blog.dspins.com/the-peptide-decade-will-reshape-pharmacy) ## [Why Your Broker and CPA Should Be Working Together](https://blog.dspins.com/why-your-broker-and-cpa-should-be-working-together) ## [The Risk Management Center](https://blog.dspins.com/the-risk-management-center) ## [Eyes on the Road: Distracted Driving Is Still a Major Risk](https://blog.dspins.com/eyes-on-the-road-distracted-driving-is-still-a-major-risk) ## [Captive Insurance: The Strategy Most Business Owners Never Question](https://blog.dspins.com/captive-insurance-the-strategy-most-business-owners-never-question) ## [Subcontractor Prequalification Is More Than Risk Management](https://blog.dspins.com/subcontractor-prequalification-is-more-than-risk-management) ## [A Small Leak Can Become a Big Problem: Simple Water Defense Tips for Your Home](https://blog.dspins.com/a-small-leak-can-become-a-big-problem-simple-water-defense-tips-for-your-home) ## [Your Benefits Strategy May Have a Coordination Problem](https://blog.dspins.com/your-benefits-strategy-may-have-a-coordination-problem) ## [Are You Confident Your Insurance Program Is Competitively Positioned?](https://blog.dspins.com/are-you-confident-your-insurance-program-is-competitively-positioned) ## [What Happens When the Plan You Built No Longer Fits the Business You Have?](https://blog.dspins.com/what-happens-when-the-plan-you-built-no-longer-fits-the-business-you-have) ## [Tightening Surety Underwriting Amid a Growing Market](https://blog.dspins.com/tightening-surety-underwriting-amid-a-growing-market) ## [OSHA Injury and Illness Reporting Requirements for Employers](https://blog.dspins.com/osha-injury-and-illness-reporting-requirements-for-employers) ## [The Truth About ICHRAs: Separating the Hype From What Really Matters](https://blog.dspins.com/the-truth-about-ichras-separating-the-hype-from-what-really-matters) ## [Property Fraud: What It Is and How to Protect Yourself](https://blog.dspins.com/property-fraud-what-it-is-and-how-to-protect-yourself) ## [ICHRA, Education, and Why More School Leaders Are Paying Attention Now](https://blog.dspins.com/ichra-education-and-why-more-school-leaders-are-paying-attention-now) ## [Illinois Prescription Drug Affordability Act Fee: What BCBS of Illinois Employers Need to Know](https://blog.dspins.com/illinois-prescription-drug-affordability-act-fee-what-bcbs-of-illinois-employers-need-to-know) ## [Are Ice Dams Covered by Insurance?](https://blog.dspins.com/are-ice-dams-covered-by-insurance) ## [Why Safety Matters Now More Than Ever](https://blog.dspins.com/why-safety-matters-now-more-than-ever) ## [Business Insurance and Government Shutdowns: What Businesses Need to Know](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know) ## [Understanding and Navigating Maintenance Bonds](https://blog.dspins.com/understanding-and-navigating-maintenance-bonds) ## [IRS Increases Health and Dependent Care FSA Limits for 2026](https://blog.dspins.com/irs-increases-health-and-dependent-care-fsa-limits-for-2026) ## [Fireplace and Fire Pit Safety: Keeping Warm the Right Way](https://blog.dspins.com/fireplace-and-fire-pit-safety-keeping-warm-the-right-way) ## [Employee Benefits That Work for Early Childhood Education](https://blog.dspins.com/employee-benefits-that-work-for-early-childhood-education) ## [Carbon Monoxide Safety: Protecting Your Home and Family](https://blog.dspins.com/carbon-monoxide-safety-protecting-your-home-and-family) ## [WIP and CC Schedules Matter for Surety Support](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support) ## [Insurance Fraud: How It Impacts Your Business](https://blog.dspins.com/insurance-fraud-how-it-impacts-your-business) ## [From Paycheck to Protection - Understanding Individual Disability Insurance](https://blog.dspins.com/from-paycheck-to-protection-understanding-individual-disability-insurance) ## [Dear Chicagoland: Stop Paying Hospital Prices for Routine Care](https://blog.dspins.com/dear-chicagoland-stop-paying-hospital-prices-for-routine-care) ## [Are You Prepared for a Power Outage](https://blog.dspins.com/are-you-prepared-for-a-power-outage) ## [Employee Training Programs That Lower Liability Risk and Insurance Premiums](https://blog.dspins.com/employee-training-programs-that-lower-liability-risk-and-insurance-premiums) ## [Selling Surety: Highlighting the Qualitative Aspects to WIN Larger Bonded Jobs](https://blog.dspins.com/selling-surety-highlighting-the-qualitative-aspects-to-win-larger-bonded-jobs) ## [Why is Business Insurance Tougher to Get in Texas Now?](https://blog.dspins.com/why-is-business-insurance-tougher-to-get-in-texas-now) ## [CPR 101: A Life-Saving Skill Everyone Should Know](https://blog.dspins.com/cpr-101-a-life-saving-skill-everyone-should-know) ## [Latest Updates on the “One Big Beautiful Bill Act”](https://blog.dspins.com/latest-updates-on-the-one-big-beautiful-bill-act) ## [Can AI Make Benefits Better?](https://blog.dspins.com/can-ai-make-benefits-better) ## [Final Updates on Mental Health Parity: What you Need to Know](https://blog.dspins.com/final-updates-on-mental-health-parity-what-you-need-to-know) ## [Navigating Bonding Strategies in Uncertain Markets](https://blog.dspins.com/navigating-bonding-strategies-in-uncertain-markets) ## [Mastering Co-insurance to Mitigate Risks in a Hard Market](https://blog.dspins.com/navigating-co-insurance-challenges) ## [New OSHA 300 Recordkeeping Guide](https://blog.dspins.com/new-osha-300-recordkeeping-guide) ## [DOL Proposes New Independent Contractor Classification Rule](https://blog.dspins.com/dol-proposes-new-independent-contractor-classification-rule) ## [Mastering Today’s Commercial Insurance Market](https://blog.dspins.com/mastering-todays-commercial-insurance-market) ## [Navigating the Cell Phone Auto Insurance Impact](https://blog.dspins.com/navigating-the-cell-phone-auto-insurance-impact) ## [Mastering ICHRA Benefits](https://blog.dspins.com/flexible-healthcare-funding) ## [US P&C insurers see net underwriting loss of $5.6 billion](https://blog.dspins.com/us-pc-insurers-see-net-underwriting-loss-of-5-6-billion) ## [Common Misconceptions About General Liability Insurance](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance) ## [IRS Employee Retention Credits Audits and Risk to Your Claim](https://blog.dspins.com/irs-employee-retention-credits-audits-and-risk-to-your-claim) ## [Directors and Officers Insurance Guide](https://blog.dspins.com/directors-and-officers-insurance-guide) ## [2024 NCCI Changes and the Impact on Workers’ Comp Premiums](https://blog.dspins.com/2024-ncci-changes-and-the-impact-on-workers-comp-premiums) ## [Prioritizing Safety and Efficiency with Forklift Operator Training](https://blog.dspins.com/prioritizing-safety-and-efficiency-with-forklift-operator-training) ## [Level Funding: Adding Predictability to Your Self-Funded Health Plan](https://blog.dspins.com/level-funding-adding-predictability-to-your-self-funded-health-plan) ## [PCORI Fees for Self-Insured Plans](https://blog.dspins.com/pcori-fees-for-self-insured-plans) ## [The PFAS Challenge: Risk Management in the Age of Strict Regulation](https://blog.dspins.com/the-pfas-challenge-risk-management-in-the-age-of-strict-regulation) ## [National Cybersecurity Awareness Month 2022](https://blog.dspins.com/national-cybersecurity-awareness-month-2022) ## [AI in Insurance](https://blog.dspins.com/ai-in-insurance) ## [Why Directors and Officers Need Personal D&O Insurance](https://blog.dspins.com/personal-do-insurance) ## [Utilizing the SBA Surety Bond Program](https://blog.dspins.com/utilizing-the-sba-surety-bond-program) ## [Essential Strategies for Active Shooter Preparedness](https://blog.dspins.com/effective-active-shooter-training-tips) ## [Cyber Awareness Month: Insights for Insurance Buyers](https://blog.dspins.com/cyber-awareness-month-insights-for-insurance-buyers) ## [Recognizing Critical Heart Attack and Stroke Signs](https://blog.dspins.com/heart-attack-and-stroke-signs) ## [Partnering with a CPA Firm and Bank for Construction Success](https://blog.dspins.com/partnering-with-a-cpa-firm-and-bank-for-construction-success) ## [Financial Resilience: Maintaining Bonding Capacity in a Tightening Construction Market](https://blog.dspins.com/financial-resilience-maintaining-bonding-capacity-in-a-tightening-construction-market) ## [National Distracted Driving Enforcement Campaign Is April 3-10, 2023](https://blog.dspins.com/national-distracted-driving-enforcement-campaign-is-april-3-10-2023) ## [John Adams and Jerry Olson join DSP Ownership](https://blog.dspins.com/john-adams-and-jerry-olson-join-dsp-ownership) ## [Maximizing Your 2025 HSA and HDHP Benefits](https://blog.dspins.com/maximizing-your-2025-hsa-and-hdhp-benefits) ## [Understanding the Surge in Home Insurance Premiums](https://blog.dspins.com/understanding-the-surge-in-home-insurance-premiums) ## [Maximizing Business Growth with PEOs](https://blog.dspins.com/maximizing-business-growth-with-peos) ## [Third-party Litigation Funding Explained](https://blog.dspins.com/third-party-litigation-funding-explained) ## [Revolutionizing Healthcare with High-Performing Networks](https://blog.dspins.com/revolutionizing-healthcare-with-high-performing-networks) ## [DSP Volunteers with Feed My Starving Children](https://blog.dspins.com/dsp-volunteers-with-feed-my-starving-children) ## [Brewers: Check Your Bright Tanks!](https://blog.dspins.com/check-your-bright-tanks) ## [What to expect when obtaining your first surety bond](https://blog.dspins.com/surety-bond-success) ## [Navigating the Dangers of Distracted Driving](https://blog.dspins.com/prioritize-road-safety) ## [The Importance of an Umbrella Policy](https://blog.dspins.com/the-importance-of-an-umbrella-policy) ## [Coronavirus – Employer Liability Issues](https://blog.dspins.com/coronavirus-employer-liability-issues) ## [Calculating OSHA Injury and Illness Incidence Rates](https://blog.dspins.com/calculating-osha-injury-and-illness-incidence-rates) ## [HSA, FSA, and HRA Explained](https://blog.dspins.com/hsa-fsa-and-hra-explained) ## [Legal Challenges Driving Trucking Insurance Costs](https://blog.dspins.com/trucking-insurance-costs) ## [Understanding Contractual Risk Transfer](https://blog.dspins.com/understanding-contractual-risk-transfer) ## [Fluctuating Interest Rates – Insurance Impact](https://blog.dspins.com/fluctuating-interest-rates-insurance-impact) ## [2024 Employment Law Compliance Trends Recap & Considerations](https://blog.dspins.com/2024-employment-law-compliance-trends-recap-considerations) ## [October is National Fire Prevention Month](https://blog.dspins.com/october-is-national-fire-prvention-month) ## [Recognizing and Addressing Workplace Substance Abuse](https://blog.dspins.com/recognizing-and-addressing-workplace-substance-abuse) ## [ASA Chicago Welcomes Bryan Adams to its Board of Directors](https://blog.dspins.com/asa-chicago-welcomes-bryan-adams-to-its-board-of-directors) ## [The Importance of Two-factor Authentication](https://blog.dspins.com/the-importance-of-two-factor-authentication) ## [Essential Winter Car Safety Tips: Be Prepared for the Unexpected](https://blog.dspins.com/winter-car-safety-tips) ## [The Essential Guide to Pollution Risk Management for Modern Businesses](https://blog.dspins.com/the-essential-guide-to-pollution-risk-management-for-modern-businesses) ## [Covid 19 – What you need to know](https://blog.dspins.com/covid-19-what-you-need-to-know) ## [Trust and Verify](https://blog.dspins.com/trust-and-verify) ## [Proposed Changes in Mental Health Parity NQTL Requirements](https://blog.dspins.com/proposed-changes-in-mental-health-parity-nqtl-requirements) ## [DSP recognized in the Insurance Journal’s “Best Agencies to Work For”](https://blog.dspins.com/dsp-recognized-in-the-insurance-journals-best-agencies-to-work-for) ## [Understanding the 2024 Health FSA Limit](https://blog.dspins.com/understanding-the-2024-health-fsa-limit) ## [Financial Wellness – A Strategy for Today and Tomorrow](https://blog.dspins.com/financial-wellness-a-strategy-for-today-and-tomorrow) ## [Hiring an Agent VS Going Direct](https://blog.dspins.com/hiring-an-agent-vs-going-direct) ## [OSHA Reporting Requirements for Workplace Injury Compliance](https://blog.dspins.com/osha-reporting-requirements-for-workplace-injury-compliance) ## [Maintaining Full Access to Credit Capacity](https://blog.dspins.com/enhancing-credit-availability-with-strategic-surety-solutions) ## [Public Labor Agreements and the Bond Market](https://blog.dspins.com/how-plas-impact-the-bond-market) ## [DOL Announces Plan to Issue Proposed Independent Contractor Rule](https://blog.dspins.com/dol-announces-plan-to-issue-proposed-independent-contractor-rule) ## [Acuity recognizes DSP](https://blog.dspins.com/acuity-recognizes-dsp) ## [Strategic Subcontractor Prequalification](https://blog.dspins.com/effective-risk-management-in-subcontractor-selection) ## [Securing Your Global Workforce: Foreign Voluntary Workers Compensation and Accident and Health Explained](https://blog.dspins.com/global-workforce-protection) ## [Experts Fear Global Impact From Russia’s Cyberattacks on Ukraine](https://blog.dspins.com/experts-fear-global-impact-from-russias-cyberattacks-on-ukraine) ## [National Cybersecurity Awareness Month](https://blog.dspins.com/national-cybersecurity-awareness-month) ## [Dangers of Texting and Driving](https://blog.dspins.com/dangers-of-texting-and-driving) ## [Navigating Insurance Challenges in 2024](https://blog.dspins.com/insurance-challenges-in-2024) ## [Understanding MHPAEA Compliance for Health Plans](https://blog.dspins.com/understanding-mhpaea-compliance-for-health-plans) ## [Navigating the 2024 Open Enrollment Season with Early Preparation](https://blog.dspins.com/navigating-the-2024-open-enrollment-season-with-early-preparation) ## [Understanding General Agreements of Indemnity in Surety Bonds](https://blog.dspins.com/gai-surety-bonds) ## [Proposed Overtime Rule Now Expected in May 2023](https://blog.dspins.com/proposed-overtime-rule-now-expected-in-may-2023) ## [DSP is Growing!](https://blog.dspins.com/dsp-is-growing) ## [Court Reinstates OSHA Vaccination Mandate for Private Employers](https://blog.dspins.com/court-reinstates-osha-vaccination-mandate-for-private-employers) ## [Navigating Builder’s Risk Insurance for a Secure Building Future](https://blog.dspins.com/secure-building-future) ## [Managing Nuclear Verdict Trends in Insurance](https://blog.dspins.com/nuclear-verdict-challenges) [All posts](https://blog.dspins.com/all) ### Subscribe to Email Updates - Recent - Popular - Categories ### Lists by Topic - [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance) - [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits) - [Surety (16)](https://blog.dspins.com/tag/surety) - [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting) - [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance) - [Commercial Lines (6)](https://blog.dspins.com/tag/commercial-lines) - [Safety Services (2)](https://blog.dspins.com/tag/safety-services) - [Fire Safety (1)](https://blog.dspins.com/tag/fire-safety) - [Mental Health Parity (1)](https://blog.dspins.com/tag/mental-health-parity) ### Posts by Topic - [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance) - [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits) - [Surety (16)](https://blog.dspins.com/tag/surety) - [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting) - [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance) - [Commercial Lines (6)](https://blog.dspins.com/tag/commercial-lines) - [Safety Services (2)](https://blog.dspins.com/tag/safety-services) - [Fire Safety (1)](https://blog.dspins.com/tag/fire-safety) - [Mental Health Parity (1)](https://blog.dspins.com/tag/mental-health-parity) See all ## Recent Posts This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### Category - [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance) - [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits) - [Surety (16)](https://blog.dspins.com/tag/surety) - [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting) - [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance) - [Commercial Lines (6)](https://blog.dspins.com/tag/commercial-lines) - [Safety Services (2)](https://blog.dspins.com/tag/safety-services) - [Fire Safety (1)](https://blog.dspins.com/tag/fire-safety) - [Mental Health Parity (1)](https://blog.dspins.com/tag/mental-health-parity) ### Upcoming Events 12/24/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services) [First Aid/CPR/AED Training 5/3/26](https://info.dspins.com/events/first-aid/cpr/aed-training-3/25/26) 12/24/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services) [Distracted & Defensive Driving - TBD](https://info.dspins.com/events/distracted-defensive-driving-8/5/26) 07/30/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services) [Distracted & Defensive Driving 12/4/25](https://info.dspins.com/events/distracted-driving) 08/19/2024 [Safety Services](https://info.dspins.com/events/tag/safety-services) [Reasonable Suspicion Training for Supervisors](https://info.dspins.com/events/reasonable-suspicion-training-for-supervisors) 07/30/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services) [Electrical Safety Training - 9/17/25](https://info.dspins.com/events/active-shooter-awareness-training-1) [Laura Wywial](https://blog.dspins.com/author/laura-wywial) [Personal Insurance](https://blog.dspins.com/tag/personal-insurance) 3 Min ## 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It usually does, until the adjuster draws a line between something that happened to your home and something that happened because of it. That line is where a surprising number of claims get denied, and most homeowners… [Read More](https://blog.dspins.com/why-water-damage-claims-get-denied-and-how-to-avoid-it) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 4 Min #### [Your Team Is Using AI. 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A crash that could have been… [Read More](https://blog.dspins.com/eyes-on-the-road-distracted-driving-is-still-a-major-risk) [Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) 2 Min #### [Captive Insurance: The Strategy Most Business Owners Never Question](https://blog.dspins.com/captive-insurance-the-strategy-most-business-owners-never-question) Here's something that stops me mid-conversation every time I bring it up with a business owner: If I told them they could start their own insurance… [Read More](https://blog.dspins.com/captive-insurance-the-strategy-most-business-owners-never-question) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min #### [Subcontractor Prequalification Is More Than Risk Management](https://blog.dspins.com/subcontractor-prequalification-is-more-than-risk-management) A general contractor loses a subcontractor mid-project. 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These… [Read More](https://blog.dspins.com/osha-injury-and-illness-reporting-requirements-for-employers) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 4 Min #### [The Truth About ICHRAs: Separating the Hype From What Really Matters](https://blog.dspins.com/the-truth-about-ichras-separating-the-hype-from-what-really-matters) ICHRA: What Is It? 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It occurs when… [Read More](https://blog.dspins.com/property-fraud-what-it-is-and-how-to-protect-yourself) [Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 3 Min #### [ICHRA, Education, and Why More School Leaders Are Paying Attention Now](https://blog.dspins.com/ichra-education-and-why-more-school-leaders-are-paying-attention-now) For most education leaders, employer-sponsored healthcare has long been treated as a fixed part of doing business. You select a carrier. 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These ridges of ice form when warm air inside your… [Read More](https://blog.dspins.com/are-ice-dams-covered-by-insurance) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 3 Min #### [Why Safety Matters Now More Than Ever](https://blog.dspins.com/why-safety-matters-now-more-than-ever) Every year, OSHA publishes a list of the most frequently cited safety standards. 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Fireplaces, wood… [Read More](https://blog.dspins.com/fireplace-and-fire-pit-safety-keeping-warm-the-right-way) [Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min #### [Employee Benefits That Work for Early Childhood Education](https://blog.dspins.com/employee-benefits-that-work-for-early-childhood-education) Running a school is hard work. Every dollar matters. Every staff member matters even more. In early childhood education, whether practiced like… [Read More](https://blog.dspins.com/employee-benefits-that-work-for-early-childhood-education) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 2 Min #### [Carbon Monoxide Safety: Protecting Your Home and Family](https://blog.dspins.com/carbon-monoxide-safety-protecting-your-home-and-family) Carbon monoxide (CO) is a silent, odorless, and colorless gas that can be deadly if not detected early. Often called the "invisible killer," it’s… [Read More](https://blog.dspins.com/carbon-monoxide-safety-protecting-your-home-and-family) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 1 Min #### [WIP and CC Schedules Matter for Surety Support](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support) In the construction industry, accurate financial reporting is more than a compliance requirement, it is the foundation of trust with surety partners.… [Read More](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support) [Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) 1 Min #### [Insurance Fraud: How It Impacts Your Business](https://blog.dspins.com/insurance-fraud-how-it-impacts-your-business) Insurance fraud isn’t just an industry problem, it’s a business problem. Fraud costs the U.S. an estimated $308 billion every year, with property and… [Read More](https://blog.dspins.com/insurance-fraud-how-it-impacts-your-business) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min #### [From Paycheck to Protection - Understanding Individual Disability Insurance](https://blog.dspins.com/from-paycheck-to-protection-understanding-individual-disability-insurance) What Is Individual Disability Insurance? 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The good news? With… [Read More](https://blog.dspins.com/are-you-prepared-for-a-power-outage) [Desiree Morris](https://blog.dspins.com/author/desiree-morris) [Business Insurance](https://blog.dspins.com/tag/business-insurance), [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) 2 Min #### [Employee Training Programs That Lower Liability Risk and Insurance Premiums](https://blog.dspins.com/employee-training-programs-that-lower-liability-risk-and-insurance-premiums) In today’s business environment, a single misstep by an employee can result in significant liability from workplace injuries and harassment claims to… [Read More](https://blog.dspins.com/employee-training-programs-that-lower-liability-risk-and-insurance-premiums) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min #### [Selling Surety: Highlighting the Qualitative Aspects to WIN Larger Bonded Jobs](https://blog.dspins.com/selling-surety-highlighting-the-qualitative-aspects-to-win-larger-bonded-jobs) In the competitive world of construction, government contracting, and other project-based industries, winning larger bonded jobs requires firms… [Read More](https://blog.dspins.com/selling-surety-highlighting-the-qualitative-aspects-to-win-larger-bonded-jobs) [Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Business Insurance](https://blog.dspins.com/tag/business-insurance), [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) 1 Min #### [Why is Business Insurance Tougher to Get in Texas Now?](https://blog.dspins.com/why-is-business-insurance-tougher-to-get-in-texas-now) When it comes to business insurance in Texas, it’s definitely gotten tougher, especially for certain industries and locations. Carriers are… [Read More](https://blog.dspins.com/why-is-business-insurance-tougher-to-get-in-texas-now) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Services](https://blog.dspins.com/tag/safety-services) 2 Min #### [CPR 101: A Life-Saving Skill Everyone Should Know](https://blog.dspins.com/cpr-101-a-life-saving-skill-everyone-should-know) Each year, more than 1.5 million Americans suffer a heart attack. And roughly one-third of those heart attacks are fatal. That’s a staggering number,… [Read More](https://blog.dspins.com/cpr-101-a-life-saving-skill-everyone-should-know) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min #### [Latest Updates on the “One Big Beautiful Bill Act”](https://blog.dspins.com/latest-updates-on-the-one-big-beautiful-bill-act) On May 22, 2025, the U.S. House of Representatives narrowly passed the “One Big Beautiful Bill Act” (H.R. 1). The “One Big Beautiful Bill Act” aims… [Read More](https://blog.dspins.com/latest-updates-on-the-one-big-beautiful-bill-act) [Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min #### [Can AI Make Benefits Better?](https://blog.dspins.com/can-ai-make-benefits-better) When it comes to employee benefits, one thing hasn’t changed: people still don’t understand them. [Read More](https://blog.dspins.com/can-ai-make-benefits-better) [Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) #### [Final Updates on Mental Health Parity: What you Need to Know](https://blog.dspins.com/final-updates-on-mental-health-parity-what-you-need-to-know) On September 9th, 2024 the Departments of Labor, Treasury, and Health and Human Services released the final rule changes regarding the Mental Health… [Read More](https://blog.dspins.com/final-updates-on-mental-health-parity-what-you-need-to-know) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min #### [Navigating Bonding Strategies in Uncertain Markets](https://blog.dspins.com/navigating-bonding-strategies-in-uncertain-markets) Soft landing… We’ve likely all heard these words with regard to the economy and the monetary policies employed to combat inflation while avoiding a… [Read More](https://blog.dspins.com/navigating-bonding-strategies-in-uncertain-markets) [Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [Mastering Co-insurance to Mitigate Risks in a Hard Market](https://blog.dspins.com/navigating-co-insurance-challenges) Most homeowners and companies know that property insurance rates are rising in this “hard” market over the past few years. Navigating co-insurance… [Read More](https://blog.dspins.com/navigating-co-insurance-challenges) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [New OSHA 300 Recordkeeping Guide](https://blog.dspins.com/new-osha-300-recordkeeping-guide) OSHA recently released an updated recordkeeping guide that details requirements for tracking employee injury and illness in the workplace via forms… [Read More](https://blog.dspins.com/new-osha-300-recordkeeping-guide) [Matt Jensen](https://blog.dspins.com/author/matt-jensen) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [DOL Proposes New Independent Contractor Classification Rule](https://blog.dspins.com/dol-proposes-new-independent-contractor-classification-rule) On Oct. 11, 2022, the U.S. Department of Labor (DOL) announced a proposed rule to rescind and replace its 2021 independent contractor classification… [Read More](https://blog.dspins.com/dol-proposes-new-independent-contractor-classification-rule) [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [Mastering Today’s Commercial Insurance Market](https://blog.dspins.com/mastering-todays-commercial-insurance-market) A Complex Market [Read More](https://blog.dspins.com/mastering-todays-commercial-insurance-market) [Donna Eckert](https://blog.dspins.com/author/donna-eckert) [Personal Insurance](https://blog.dspins.com/tag/personal-insurance) 2 Min #### [Navigating the Cell Phone Auto Insurance Impact](https://blog.dspins.com/navigating-the-cell-phone-auto-insurance-impact) In today’s fast-paced world, cell phones have almost become an extension of ourselves, bringing a wealth of information and connectivity to our… [Read More](https://blog.dspins.com/navigating-the-cell-phone-auto-insurance-impact) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min #### [Mastering ICHRA Benefits](https://blog.dspins.com/flexible-healthcare-funding) Introduction to ICHRAs [Read More](https://blog.dspins.com/flexible-healthcare-funding) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [US P&C insurers see net underwriting loss of $5.6 billion](https://blog.dspins.com/us-pc-insurers-see-net-underwriting-loss-of-5-6-billion) The hard market looks to continue as the insurance industry takes a $5.6 Billion underwriting loss. Click the link below to view the full article. [Read More](https://blog.dspins.com/us-pc-insurers-see-net-underwriting-loss-of-5-6-billion) [Desiree Morris](https://blog.dspins.com/author/desiree-morris) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [Common Misconceptions About General Liability Insurance](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance) When it comes to general liability insurance, a lot of business owners think they’re covered for everything, but that’s not always the case. Let’s… [Read More](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min #### [IRS Employee Retention Credits Audits and Risk to Your Claim](https://blog.dspins.com/irs-employee-retention-credits-audits-and-risk-to-your-claim) Employee Retention Credit (ERC) claims by employers are once again being processed by the IRS after a moratorium period for any credits filed after… [Read More](https://blog.dspins.com/irs-employee-retention-credits-audits-and-risk-to-your-claim) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [Directors and Officers Insurance Guide](https://blog.dspins.com/directors-and-officers-insurance-guide) The Rise of social media has continued to put business leaders in the spotlight, and now directors and officers (D&O) insurance isn’t only for large,… [Read More](https://blog.dspins.com/directors-and-officers-insurance-guide) [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [2024 NCCI Changes and the Impact on Workers’ Comp Premiums](https://blog.dspins.com/2024-ncci-changes-and-the-impact-on-workers-comp-premiums) On November 1, 2023, the National Council on Compensation Insurance (NCCI) is making significant changes to the rating system for Experience… [Read More](https://blog.dspins.com/2024-ncci-changes-and-the-impact-on-workers-comp-premiums) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 3 Min #### [Prioritizing Safety and Efficiency with Forklift Operator Training](https://blog.dspins.com/prioritizing-safety-and-efficiency-with-forklift-operator-training) In the bustling world of warehouses, construction sites, and manufacturing facilities, forklifts are indispensable tools. They enhance productivity… [Read More](https://blog.dspins.com/prioritizing-safety-and-efficiency-with-forklift-operator-training) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min #### [Level Funding: Adding Predictability to Your Self-Funded Health Plan](https://blog.dspins.com/level-funding-adding-predictability-to-your-self-funded-health-plan) Introducing Level Funding: [Read More](https://blog.dspins.com/level-funding-adding-predictability-to-your-self-funded-health-plan) [Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min #### [PCORI Fees for Self-Insured Plans](https://blog.dspins.com/pcori-fees-for-self-insured-plans) Under the Patient Protection and Affordable Care Act (PPACA) a new fee was introduced. The Patient-Centered Outcomes Research Institute (PCORI) fees… [Read More](https://blog.dspins.com/pcori-fees-for-self-insured-plans) [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [The PFAS Challenge: Risk Management in the Age of Strict Regulation](https://blog.dspins.com/the-pfas-challenge-risk-management-in-the-age-of-strict-regulation) Per- and polyfluoroalkyl substances (PFAS) have emerged as a significant concern due to their widespread use in consumer goods, leading to exposure… [Read More](https://blog.dspins.com/the-pfas-challenge-risk-management-in-the-age-of-strict-regulation) [Matt Jensen](https://blog.dspins.com/author/matt-jensen) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [National Cybersecurity Awareness Month 2022](https://blog.dspins.com/national-cybersecurity-awareness-month-2022) October is National Cybersecurity Awareness Month. During this annual event, government and industry leaders come together to raise awareness about… [Read More](https://blog.dspins.com/national-cybersecurity-awareness-month-2022) [Desiree Morris](https://blog.dspins.com/author/desiree-morris) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [AI in Insurance](https://blog.dspins.com/ai-in-insurance) Artificial intelligence, or AI, is transforming the insurance industry, leading the way in revolutionizing tasks that were traditionally performed by… [Read More](https://blog.dspins.com/ai-in-insurance) [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [Why Directors and Officers Need Personal D&O Insurance](https://blog.dspins.com/personal-do-insurance) Most organizations recognize the vital role directors and officers play in steering their companies toward success. With this responsibility comes… [Read More](https://blog.dspins.com/personal-do-insurance) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min #### [Utilizing the SBA Surety Bond Program](https://blog.dspins.com/utilizing-the-sba-surety-bond-program) With bonded work on the horizon for a new or growing company, owners may be wondering how they can get started and what programs are available for… [Read More](https://blog.dspins.com/utilizing-the-sba-surety-bond-program) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 2 Min #### [Essential Strategies for Active Shooter Preparedness](https://blog.dspins.com/effective-active-shooter-training-tips) In today’s unpredictable world, ensuring the safety of your employees and colleagues has become a top priority for businesses and organizations of… [Read More](https://blog.dspins.com/effective-active-shooter-training-tips) [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [Cyber Awareness Month: Insights for Insurance Buyers](https://blog.dspins.com/cyber-awareness-month-insights-for-insurance-buyers) Welcome to Cyber Awareness Month! The theme for 2023 is “It’s easy to stay safe Online.” At DSP Insurance Services, we understand the challenges that… [Read More](https://blog.dspins.com/cyber-awareness-month-insights-for-insurance-buyers) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 2 Min #### [Recognizing Critical Heart Attack and Stroke Signs](https://blog.dspins.com/heart-attack-and-stroke-signs) Recognizing the signs and symptoms of a heart attack or stroke is crucial for timely intervention and potentially life-saving action. [Read More](https://blog.dspins.com/heart-attack-and-stroke-signs) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min #### [Partnering with a CPA Firm and Bank for Construction Success](https://blog.dspins.com/partnering-with-a-cpa-firm-and-bank-for-construction-success) In the world of construction, navigating the financial landscape requires more than just basic accounting and banking services. Construction firms… [Read More](https://blog.dspins.com/partnering-with-a-cpa-firm-and-bank-for-construction-success) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 1 Min #### [Financial Resilience: Maintaining Bonding Capacity in a Tightening Construction Market](https://blog.dspins.com/financial-resilience-maintaining-bonding-capacity-in-a-tightening-construction-market) In a tightening construction market, the importance of financial planning and strategic equity retention cannot be overstated. Bonding capacity… [Read More](https://blog.dspins.com/financial-resilience-maintaining-bonding-capacity-in-a-tightening-construction-market) [Matt Jensen](https://blog.dspins.com/author/matt-jensen) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [National Distracted Driving Enforcement Campaign Is April 3-10, 2023](https://blog.dspins.com/national-distracted-driving-enforcement-campaign-is-april-3-10-2023) The National Highway Traffic Safety Administration(NHTSA) is running a National Distracted Driving Enforcement Mobilization Campaign April 3-10,… [Read More](https://blog.dspins.com/national-distracted-driving-enforcement-campaign-is-april-3-10-2023) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [John Adams and Jerry Olson join DSP Ownership](https://blog.dspins.com/john-adams-and-jerry-olson-join-dsp-ownership) DSP is pleased to announce that John Adams and Jerry Olson have been made partners. John and Jerry each bring over 35 years of commercial risk… [Read More](https://blog.dspins.com/john-adams-and-jerry-olson-join-dsp-ownership) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min #### [Maximizing Your 2025 HSA and HDHP Benefits](https://blog.dspins.com/maximizing-your-2025-hsa-and-hdhp-benefits) What’s it about? [Read More](https://blog.dspins.com/maximizing-your-2025-hsa-and-hdhp-benefits) [Laura Wywial](https://blog.dspins.com/author/laura-wywial) [Personal Insurance](https://blog.dspins.com/tag/personal-insurance) 1 Min #### [Understanding the Surge in Home Insurance Premiums](https://blog.dspins.com/understanding-the-surge-in-home-insurance-premiums) Home Insurance: The Wrath of Natural Disasters [Read More](https://blog.dspins.com/understanding-the-surge-in-home-insurance-premiums) [Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min #### [Maximizing Business Growth with PEOs](https://blog.dspins.com/maximizing-business-growth-with-peos) Running a business, whether it’s a small startup or a mid-sized company, comes with its own set of challenges. From managing day-to-day operations to… [Read More](https://blog.dspins.com/maximizing-business-growth-with-peos) [Jerry Olson](https://blog.dspins.com/author/jerry-olson) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [Third-party Litigation Funding Explained](https://blog.dspins.com/third-party-litigation-funding-explained) Third-party litigation funding (TPLF), also known as legal funding, third-party litigation finance, or alternative litigation financing, involves a… [Read More](https://blog.dspins.com/third-party-litigation-funding-explained) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min #### [Revolutionizing Healthcare with High-Performing Networks](https://blog.dspins.com/revolutionizing-healthcare-with-high-performing-networks) In the ever-evolving landscape of healthcare, organizations are continually seeking innovative strategies to enhance quality, reduce costs, and… [Read More](https://blog.dspins.com/revolutionizing-healthcare-with-high-performing-networks) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [DSP Volunteers with Feed My Starving Children](https://blog.dspins.com/dsp-volunteers-with-feed-my-starving-children) DSP recently teamed up with Feed My Starving Children to pack meals for impoverished children in Haiti. This volunteer session packed 58,104 meals,… [Read More](https://blog.dspins.com/dsp-volunteers-with-feed-my-starving-children) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [Brewers: Check Your Bright Tanks!](https://blog.dspins.com/check-your-bright-tanks) Is there anything better than serving (or drinking) a draft beer straight from a bright tank? This is as fresh as the beer can get and it’s no wonder… [Read More](https://blog.dspins.com/check-your-bright-tanks) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 3 Min #### [What to expect when obtaining your first surety bond](https://blog.dspins.com/surety-bond-success) Rarely is a first bond request planned for… More often the requirement arises when a business is going through something new. New customer, new… [Read More](https://blog.dspins.com/surety-bond-success) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 2 Min #### [Navigating the Dangers of Distracted Driving](https://blog.dspins.com/prioritize-road-safety) Distracted driving is more than just a buzzword—it’s a pervasive issue that significantly impacts road safety. At DSP Insurance, we’re committed not… [Read More](https://blog.dspins.com/prioritize-road-safety) [Sharon Robbons](https://blog.dspins.com/author/sharon-robbons) [Personal Insurance](https://blog.dspins.com/tag/personal-insurance) 1 Min #### [The Importance of an Umbrella Policy](https://blog.dspins.com/the-importance-of-an-umbrella-policy) An umbrella policy is essential because it kicks in when your basic liability limits are exhausted. In the event of a major accident or a liability… [Read More](https://blog.dspins.com/the-importance-of-an-umbrella-policy) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [Coronavirus – Employer Liability Issues](https://blog.dspins.com/coronavirus-employer-liability-issues) Coronavirus is continuing to spread with cases reported in 22 countries around the world. The article below contains a brief overview of the virus… [Read More](https://blog.dspins.com/coronavirus-employer-liability-issues) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [Calculating OSHA Injury and Illness Incidence Rates](https://blog.dspins.com/calculating-osha-injury-and-illness-incidence-rates) Each year, the Occupational Safety and Health Administration (OSHA) collects work-related injury and illness data from employers. This data… [Read More](https://blog.dspins.com/calculating-osha-injury-and-illness-incidence-rates) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min #### [HSA, FSA, and HRA Explained](https://blog.dspins.com/hsa-fsa-and-hra-explained) When it comes to managing healthcare expenses and securing your financial future, it’s essential to explore your options beyond traditional insurance… [Read More](https://blog.dspins.com/hsa-fsa-and-hra-explained) [Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [Legal Challenges Driving Trucking Insurance Costs](https://blog.dspins.com/trucking-insurance-costs) In 2023, the U.S. trucking industry faced a series of overwhelming challenges, leading to the closure of nearly 88,000 trucking firms—around 10% of… [Read More](https://blog.dspins.com/trucking-insurance-costs) [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [Understanding Contractual Risk Transfer](https://blog.dspins.com/understanding-contractual-risk-transfer) Contractual risk transfer (CRT) is a risk management strategy commonly employed by businesses to shift potential liability to another party through… [Read More](https://blog.dspins.com/understanding-contractual-risk-transfer) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [Fluctuating Interest Rates – Insurance Impact](https://blog.dspins.com/fluctuating-interest-rates-insurance-impact) In late October 2019, the Federal Reserve announced they would lower the Federal Funds Interest Rate by a quarter of a percent. This was the third… [Read More](https://blog.dspins.com/fluctuating-interest-rates-insurance-impact) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min #### [2024 Employment Law Compliance Trends Recap & Considerations](https://blog.dspins.com/2024-employment-law-compliance-trends-recap-considerations) As we near the end of 2024, it’s crucial for employers to reflect on the key 2024 employment law trends that shaped the year. Significant updates at… [Read More](https://blog.dspins.com/2024-employment-law-compliance-trends-recap-considerations) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Fire Safety](https://blog.dspins.com/tag/fire-safety), [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 3 Min #### [October is National Fire Prevention Month](https://blog.dspins.com/october-is-national-fire-prvention-month) Fire Safety: [Read More](https://blog.dspins.com/october-is-national-fire-prvention-month) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 1 Min #### [Recognizing and Addressing Workplace Substance Abuse](https://blog.dspins.com/recognizing-and-addressing-workplace-substance-abuse) Workplace substance abuse is a growing concern across many industries. Supervisors, in particular, are on the front lines when it comes to… [Read More](https://blog.dspins.com/recognizing-and-addressing-workplace-substance-abuse) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [ASA Chicago Welcomes Bryan Adams to its Board of Directors](https://blog.dspins.com/asa-chicago-welcomes-bryan-adams-to-its-board-of-directors) DSP is pleased to announce that our very own Bryan Adams has been appointed to the Board of Directors of the Chicago ASA. We are proud to be part of… [Read More](https://blog.dspins.com/asa-chicago-welcomes-bryan-adams-to-its-board-of-directors) [Matt Jensen](https://blog.dspins.com/author/matt-jensen) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [The Importance of Two-factor Authentication](https://blog.dspins.com/the-importance-of-two-factor-authentication) As cyber attacks become more and more common, protecting your data is increasingly difficult. In fact, a study from Juniper Research found that by… [Read More](https://blog.dspins.com/the-importance-of-two-factor-authentication) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 2 Min #### [Essential Winter Car Safety Tips: Be Prepared for the Unexpected](https://blog.dspins.com/winter-car-safety-tips) The chill of winter is setting in, and with it comes the risk of icy roads and unexpected roadside emergencies. Imagine you’re driving on a snowy… [Read More](https://blog.dspins.com/winter-car-safety-tips) [Desiree Morris](https://blog.dspins.com/author/desiree-morris) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 4 Min #### [The Essential Guide to Pollution Risk Management for Modern Businesses](https://blog.dspins.com/the-essential-guide-to-pollution-risk-management-for-modern-businesses) When you think of pollution, images of oil spills and toxic waste dumps may come to mind. However, pollution risks extend far beyond these… [Read More](https://blog.dspins.com/the-essential-guide-to-pollution-risk-management-for-modern-businesses) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [Covid 19 – What you need to know](https://blog.dspins.com/covid-19-what-you-need-to-know) There is a lot of information going around about the COVID-19 vaccine. This article contains everything employees need to know right now. [Read More](https://blog.dspins.com/covid-19-what-you-need-to-know) [Dan Hansvick](https://blog.dspins.com/author/dan-hansvick) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [Trust and Verify](https://blog.dspins.com/trust-and-verify) Business owners (CEO), finance/risk managers (CFO), and operations teams should follow the tenets Trust and Verify for cybersecurity. Trust and… [Read More](https://blog.dspins.com/trust-and-verify) [Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 4 Min #### [Proposed Changes in Mental Health Parity NQTL Requirements](https://blog.dspins.com/proposed-changes-in-mental-health-parity-nqtl-requirements) The Departments of Labor (DOL), Health and Human Services (HHS), and Treasury aim to codify compliance and ensure equitable access to mental health… [Read More](https://blog.dspins.com/proposed-changes-in-mental-health-parity-nqtl-requirements) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [DSP recognized in the Insurance Journal’s “Best Agencies to Work For”](https://blog.dspins.com/dsp-recognized-in-the-insurance-journals-best-agencies-to-work-for) DSP is pleased to have recently been recognized in the Insurance Journal’s “Best Agencies to Work For”. We wish to thank our employees, clients,… [Read More](https://blog.dspins.com/dsp-recognized-in-the-insurance-journals-best-agencies-to-work-for) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min #### [Understanding the 2024 Health FSA Limit](https://blog.dspins.com/understanding-the-2024-health-fsa-limit) 2024 Health FSA Contribution Limit [Read More](https://blog.dspins.com/understanding-the-2024-health-fsa-limit) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min #### [Financial Wellness – A Strategy for Today and Tomorrow](https://blog.dspins.com/financial-wellness-a-strategy-for-today-and-tomorrow) Employees are increasingly regarding financial wellness benefits as indispensable, as indicated by discoveries in Vestwell’s annual Savings Industry… [Read More](https://blog.dspins.com/financial-wellness-a-strategy-for-today-and-tomorrow) [Desiree Morris](https://blog.dspins.com/author/desiree-morris) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [Hiring an Agent VS Going Direct](https://blog.dspins.com/hiring-an-agent-vs-going-direct) When it comes to purchasing insurance, you have two primary options: working with an insurance agent or buying directly from an insurance company.… [Read More](https://blog.dspins.com/hiring-an-agent-vs-going-direct) [Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 2 Min #### [OSHA Reporting Requirements for Workplace Injury Compliance](https://blog.dspins.com/osha-reporting-requirements-for-workplace-injury-compliance) When it comes to workplace safety, employers must navigate a complex web of regulations and reporting requirements. Even if you’re in a low-hazard… [Read More](https://blog.dspins.com/osha-reporting-requirements-for-workplace-injury-compliance) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 3 Min #### [Maintaining Full Access to Credit Capacity](https://blog.dspins.com/enhancing-credit-availability-with-strategic-surety-solutions) Maintaining availability on a line of credit facility is crucial for contractors, and Enhancing Credit Availability with Strategic Surety Solutions… [Read More](https://blog.dspins.com/enhancing-credit-availability-with-strategic-surety-solutions) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 1 Min #### [Public Labor Agreements and the Bond Market](https://blog.dspins.com/how-plas-impact-the-bond-market) The Biden administration issued an executive order mandating the use of Public Labor Agreements (PLAs) on federally funded construction projects… [Read More](https://blog.dspins.com/how-plas-impact-the-bond-market) [Matt Jensen](https://blog.dspins.com/author/matt-jensen) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [DOL Announces Plan to Issue Proposed Independent Contractor Rule](https://blog.dspins.com/dol-announces-plan-to-issue-proposed-independent-contractor-rule) In a recent blog post, the U.S. Department of Labor announced it will issue a proposed rule on determining employee or independent contractor status… [Read More](https://blog.dspins.com/dol-announces-plan-to-issue-proposed-independent-contractor-rule) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [Acuity recognizes DSP](https://blog.dspins.com/acuity-recognizes-dsp) DSP was recently recognized as Acuity Insurance’s number one agent in the state of Illinois. We are honored to have an outstanding relationship with… [Read More](https://blog.dspins.com/acuity-recognizes-dsp) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min #### [Strategic Subcontractor Prequalification](https://blog.dspins.com/effective-risk-management-in-subcontractor-selection) The goal of any prequalification program, especially when it comes to Subcontractor Selection Risk Management, is the evaluation of potential… [Read More](https://blog.dspins.com/effective-risk-management-in-subcontractor-selection) [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 4 Min #### [Securing Your Global Workforce: Foreign Voluntary Workers Compensation and Accident and Health Explained](https://blog.dspins.com/global-workforce-protection) Work travel, global workforces, and international projects often raise questions about the best ways to protect your teams and assets. To ensure… [Read More](https://blog.dspins.com/global-workforce-protection) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [Experts Fear Global Impact From Russia’s Cyberattacks on Ukraine](https://blog.dspins.com/experts-fear-global-impact-from-russias-cyberattacks-on-ukraine) Russia launched a full-scale military assault on Ukraine in the early morning hours of Feb. 24, 2022, accompanied by a series of targeted… [Read More](https://blog.dspins.com/experts-fear-global-impact-from-russias-cyberattacks-on-ukraine) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [National Cybersecurity Awareness Month](https://blog.dspins.com/national-cybersecurity-awareness-month) October is National Cybersecurity Awareness Month. It’s crucial for businesses like yours to stay cyber-secure in order to safeguard company data,… [Read More](https://blog.dspins.com/national-cybersecurity-awareness-month) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [Dangers of Texting and Driving](https://blog.dspins.com/dangers-of-texting-and-driving) October has been designated Distracted Driving Awareness Month by the National Safety Council. Distracted driving kills thousands of people each year… [Read More](https://blog.dspins.com/dangers-of-texting-and-driving) [Laura Wywial](https://blog.dspins.com/author/laura-wywial) [Personal Insurance](https://blog.dspins.com/tag/personal-insurance) 1 Min #### [Navigating Insurance Challenges in 2024](https://blog.dspins.com/insurance-challenges-in-2024) In an ever-changing world, understanding the key insurance challenges in 2024 is crucial for businesses and individuals alike. These challenges… [Read More](https://blog.dspins.com/insurance-challenges-in-2024) [Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits), [Mental Health Parity](https://blog.dspins.com/tag/mental-health-parity) 4 Min #### [Understanding MHPAEA Compliance for Health Plans](https://blog.dspins.com/understanding-mhpaea-compliance-for-health-plans) Understanding MHPAEA Compliance for Health Plans The Evolution of Mental Health Parity Laws The journey towards mental health parity in the United… [Read More](https://blog.dspins.com/understanding-mhpaea-compliance-for-health-plans) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min #### [Navigating the 2024 Open Enrollment Season with Early Preparation](https://blog.dspins.com/navigating-the-2024-open-enrollment-season-with-early-preparation) As the 2024 open enrollment season approaches rapidly, having a carefully devised strategy becomes pivotal. Not only will it aid in retaining your… [Read More](https://blog.dspins.com/navigating-the-2024-open-enrollment-season-with-early-preparation) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min #### [Understanding General Agreements of Indemnity in Surety Bonds](https://blog.dspins.com/gai-surety-bonds) Surety bonds generally require a General Agreement of Indemnity (GAI), a critical component in the bonding process. This article will delve into what… [Read More](https://blog.dspins.com/gai-surety-bonds) [Matt Jensen](https://blog.dspins.com/author/matt-jensen) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [Proposed Overtime Rule Now Expected in May 2023](https://blog.dspins.com/proposed-overtime-rule-now-expected-in-may-2023) Recently, the U.S. Department of Labor (DOL) communicated it will issue a proposed overtime rule in May 2023, according to its most recent regulatory… [Read More](https://blog.dspins.com/proposed-overtime-rule-now-expected-in-may-2023) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [DSP is Growing!](https://blog.dspins.com/dsp-is-growing) The DSP team is growing! We’re hiring a CSR in our commercial insurance division. Click the link below to learn more. [Read More](https://blog.dspins.com/dsp-is-growing) [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) #### [Court Reinstates OSHA Vaccination Mandate for Private Employers](https://blog.dspins.com/court-reinstates-osha-vaccination-mandate-for-private-employers) On Friday Dec. 17, 2021 the 6th Circuit Federal Court of Appeals reinstated the Occupational Safety and Health Administration’s (OSHA) federal… [Read More](https://blog.dspins.com/court-reinstates-osha-vaccination-mandate-for-private-employers) [Desiree Morris](https://blog.dspins.com/author/desiree-morris) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min #### [Navigating Builder’s Risk Insurance for a Secure Building Future](https://blog.dspins.com/secure-building-future) In recent years, the housing market has been chaotic, underscored by rising interest rates, record-low housing stock, and elevated home price tags.… [Read More](https://blog.dspins.com/secure-building-future) [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min #### [Managing Nuclear Verdict Trends in Insurance](https://blog.dspins.com/nuclear-verdict-challenges) The Startling Rise of Multimillion-Dollar Verdicts [Read More](https://blog.dspins.com/nuclear-verdict-challenges) This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. ### Category - [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance) - [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits) - [Surety (16)](https://blog.dspins.com/tag/surety) - [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting) - [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance) ### Subscribe Now ### Popular Posts [Eric Vatch](https://blog.dspins.com/author/eric-vatch) 11/05/2025 [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) [IRS Increases Health and Dependent Care FSA Limits for 2026](https://blog.dspins.com/irs-increases-health-and-dependent-care-fsa-limits-for-2026) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) 09/24/2025 [Surety](https://blog.dspins.com/tag/surety) [WIP and CC Schedules Matter for Surety Support](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support) [Eric Vatch](https://blog.dspins.com/author/eric-vatch) 12/17/2025 [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) [Illinois Prescription Drug Affordability Act Fee: What BCBS of Illinois Employers Need to Know](https://blog.dspins.com/illinois-prescription-drug-affordability-act-fee-what-bcbs-of-illinois-employers-need-to-know) [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) 03/19/2025 [Surety](https://blog.dspins.com/tag/surety) [Understanding General Agreements of Indemnity in Surety Bonds](https://blog.dspins.com/gai-surety-bonds) - Insurance Solutions - [Business Insurance](https://www.dspins.com/business-insurance/) - [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/) - [Employee Benefits](https://www.dspins.com/employee-benefits/) - [Personal Insurance](https://www.dspins.com/personal-insurance/) - [Explore Interactive Graphics](https://www.dspins.com/clickable-coverage/) - [Safety Consulting](https://www.dspins.com/safety-consulting/) - [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/) - About DSP Insurance Services - [About Our Agency](https://www.dspins.com/about-our-agency/) - [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/) - [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/) - [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/) - [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/) - [Blog](https://www.dspins.com/blog/) - Get Help - [Report a Claim](https://www.dspins.com/service-center/report-a-claim/) - [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/) - [Request a Certificate](https://www.dspins.com/service-center/request-certificate/) - [Request a Bond](https://www.dspins.com/service-center/request-a-bond/) - [Policy Review](https://www.dspins.com/service-center/policy-review/) - [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/) - [Client Login](https://www.dspins.com/service-center/#client-login) ###### Contact Us 1900 E. 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