---
title: Insurance Insights | Desiree Morris
description: Desiree is always striving to expand her knowledge and stay current on the latest developments in the insurance industry. She recently earned her CRIS designation, demonstrating her commitment to excellence in the field. With her journalism degree, Desiree's strong communication skills make her an invaluable member of the team, as she is able to effectively convey complex insurance concepts to clients.
---
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# 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.
## Desiree Morris
Desiree is always striving to expand her knowledge and stay current on the latest developments in the insurance industry. She recently earned her CRIS designation, demonstrating her commitment to excellence in the field. With her journalism degree, Desiree's strong communication skills make her an invaluable member of the team, as she is able to effectively convey complex insurance concepts to clients.
## Recent Posts
[](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know)
## [Business Insurance and Government Shutdowns: What Businesses Need to Know](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know)
Nov 19, 2025, 2:42:23 PM / by [Desiree Morris](https://blog.dspins.com/author/desiree-morris) posted in [Commercial Lines](https://blog.dspins.com/topic/commercial-lines)
[0 Comments](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know#comments-listing)
The recent federal government shutdown, the longest in U.S. history, put millions of Americans under financial strain and uncertainty. For small businesses especially those tied to federal contracts or funding the impact was significant.
Many business owners found themselves asking:
“Does my insurance cover losses from a government shutdown?”
The short answer is usually not, but the details matter.
[Read More](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know)
[](https://blog.dspins.com/employee-training-programs-that-lower-liability-risk-and-insurance-premiums)
## [Employee Training Programs That Lower Liability Risk and Insurance Premiums](https://blog.dspins.com/employee-training-programs-that-lower-liability-risk-and-insurance-premiums)
Aug 1, 2025, 1:42:07 PM / by [Desiree Morris](https://blog.dspins.com/author/desiree-morris) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance), [Commercial Lines](https://blog.dspins.com/topic/commercial-lines)
[0 Comments](https://blog.dspins.com/employee-training-programs-that-lower-liability-risk-and-insurance-premiums#comments-listing)
In today’s business environment, a single misstep by an employee can result in significant liability from workplace injuries and harassment claims to data breaches and regulatory fines. Many of these incidents are preventable with proper training.
[Read More](https://blog.dspins.com/employee-training-programs-that-lower-liability-risk-and-insurance-premiums)
[](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance)
## [Common Misconceptions About General Liability Insurance](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance)
Mar 31, 2025, 4:21:28 PM / by [Desiree Morris](https://blog.dspins.com/author/desiree-morris) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance#comments-listing)
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 clear up some general liability misconceptions to help you understand what this policy really does—and doesn’t—cover.
[Read More](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance)
[](https://blog.dspins.com/ai-in-insurance)
## [AI in Insurance](https://blog.dspins.com/ai-in-insurance)
Mar 31, 2025, 4:19:11 PM / by [Desiree Morris](https://blog.dspins.com/author/desiree-morris) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/ai-in-insurance#comments-listing)
Artificial intelligence, or AI, is transforming the insurance industry, leading the way in revolutionizing tasks that were traditionally performed by humans, such as visual perception, speech recognition, decision making, and language translation. Virtual assistants such as Alexa and Siri are familiar examples of how artificial intelligence (AI) is used in everyday life, capable of performing tasks like calling a contact, setting an alarm, or playing a song through simple voice commands. By utilizing AI in Insurance, the industry is witnessing a profound transformation, leveraging technology to meet evolving customer needs and redefine the standards of service and efficiency.
[Read More](https://blog.dspins.com/ai-in-insurance)
[](https://blog.dspins.com/the-essential-guide-to-pollution-risk-management-for-modern-businesses)
## [The Essential Guide to Pollution Risk Management for Modern Businesses](https://blog.dspins.com/the-essential-guide-to-pollution-risk-management-for-modern-businesses)
Mar 31, 2025, 4:11:24 PM / by [Desiree Morris](https://blog.dspins.com/author/desiree-morris) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/the-essential-guide-to-pollution-risk-management-for-modern-businesses#comments-listing)
When you think of pollution, images of oil spills and toxic waste dumps may come to mind. However, pollution risks extend far beyond these headline-grabbing disasters, quietly lurking in the everyday operations of nearly every business. From construction sites to commercial enterprises, pollution risk management is crucial to prevent environmental exposure that can lead to significant financial losses. Every year, there is an estimated $1 billion of uninsured environmental losses, leaving businesses vulnerable to substantial financial burdens.
[Read More](https://blog.dspins.com/the-essential-guide-to-pollution-risk-management-for-modern-businesses)
[](https://blog.dspins.com/hiring-an-agent-vs-going-direct)
## [Hiring an Agent VS Going Direct](https://blog.dspins.com/hiring-an-agent-vs-going-direct)
Mar 19, 2025, 5:17:11 PM / by [Desiree Morris](https://blog.dspins.com/author/desiree-morris) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/hiring-an-agent-vs-going-direct#comments-listing)
When it comes to purchasing insurance, you have two primary options: working with an insurance agent or buying directly from an insurance company. While going direct may seem quicker, hiring an insurance agent offers a range of benefits that can save you time, money, and stress in the long run. Here’s why working with an agent is a smart choice:
[Read More](https://blog.dspins.com/hiring-an-agent-vs-going-direct)
[](https://blog.dspins.com/secure-building-future)
## [Navigating Builder’s Risk Insurance for a Secure Building Future](https://blog.dspins.com/secure-building-future)
Mar 19, 2025, 5:06:53 PM / by [Desiree Morris](https://blog.dspins.com/author/desiree-morris) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/secure-building-future#comments-listing)
In recent years, the housing market has been chaotic, underscored by rising interest rates, record-low housing stock, and elevated home price tags. This turbulence has significantly increased the demand for housing, whether buying or renting. In a notable development, U.S. home building surged in May 2023, climbing 21.7% from April 2023, as low inventory in the existing home market continued to boost interest in new homes according to [CNN](https://www.cnn.com/2023/06/20/homes/new-housing-starts-may/index.html). This uptick in residential construction underscores the importance of builder’s risk insurance in ensuring a Secure Building Future.
[Read More](https://blog.dspins.com/secure-building-future)
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## Desiree Morris
Desiree is always striving to expand her knowledge and stay current on the latest developments in the insurance industry. She recently earned her CRIS designation, demonstrating her commitment to excellence in the field. With her journalism degree, Desiree's strong communication skills make her an invaluable member of the team, as she is able to effectively convey complex insurance concepts to clients.
[Desiree Morris](https://blog.dspins.com/author/desiree-morris) [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) 2 Min
## [Business Insurance and Government Shutdowns: What Businesses Need to Know](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know)
#### [Business Insurance and Government Shutdowns: What Businesses Need to Know](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know)
The recent federal government shutdown, the longest in U.S. history, put millions of Americans under financial strain and uncertainty. For small businesses especially those tied to federal contracts or funding the impact was significant. Many business owners found themselves asking: “Does my…
[Read More](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know)
[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)
[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)
[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)
[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)
[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)
[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)
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[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)
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