---
title: Insurance Insights | DSP Insurance Services
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.
---
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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.
## DSP Insurance Services
## Recent Posts
[](https://blog.dspins.com/your-team-is-using-ai.-is-your-insurance-program-keeping-up)
## [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)
Sep 10, 2026, 1:31:34 PM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/your-team-is-using-ai.-is-your-insurance-program-keeping-up#comments-listing)
AI-enabled tools are increasingly finding their way into businesses of all types, including manufacturing, construction, professional services, distribution and many others.
[Read More](https://blog.dspins.com/your-team-is-using-ai.-is-your-insurance-program-keeping-up)
[](https://blog.dspins.com/ebike-escooter-safety-check)
## [E-Bikes and E-Scooters: The Speed Is the Feature. It's Also the Risk.](https://blog.dspins.com/ebike-escooter-safety-check)
Aug 20, 2026, 1:26:43 PM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/ebike-escooter-safety-check#comments-listing)
If you or your family ride an e-bike or e-scooter, the deductible on your judgment isn't the vehicle's top speed, it's the gap between how fast the motor gets you there and how much riding experience you actually have. That gap is where most e-bike injuries are happening, and it's widening faster than most riders realize.
[Read More](https://blog.dspins.com/ebike-escooter-safety-check)
[](https://blog.dspins.com/ai-changed-cybersecurity.-has-your-business-changed-with-it)
## [AI Changed Cybersecurity. Has Your Business Changed With It?](https://blog.dspins.com/ai-changed-cybersecurity.-has-your-business-changed-with-it)
Jul 22, 2026, 12:50:48 PM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/ai-changed-cybersecurity.-has-your-business-changed-with-it#comments-listing)
Most business owners believe they've checked the cybersecurity box. They have an IT provider. They've purchased cyber liability insurance. Their employees have completed phishing training. They've invested in technology and feel reasonably confident they're protected.
A few years ago, that may have been enough.
Today, it isn't.
[Read More](https://blog.dspins.com/ai-changed-cybersecurity.-has-your-business-changed-with-it)
[](https://blog.dspins.com/the-prescription-drug-machine-what-employers-need-to-know-about-rising-pharmacy-costs)
## [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)
Jun 11, 2026, 9:22:24 AM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Employee Benefits](https://blog.dspins.com/topic/employee-benefits)
[0 Comments](https://blog.dspins.com/the-prescription-drug-machine-what-employers-need-to-know-about-rising-pharmacy-costs#comments-listing)
Prescription drug costs have become one of the fastest-growing expenses in employer-sponsored health plans. Yet despite representing a significant portion of overall healthcare spending, pharmacy benefits remain one of the least understood components of a health plan.
[Read More](https://blog.dspins.com/the-prescription-drug-machine-what-employers-need-to-know-about-rising-pharmacy-costs)
[](https://blog.dspins.com/bcbs-association-class-action-settlement)
## [BCBS Association Class Action Settlement](https://blog.dspins.com/bcbs-association-class-action-settlement)
Jun 4, 2026, 3:01:39 PM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Employee Benefits](https://blog.dspins.com/topic/employee-benefits)
[0 Comments](https://blog.dspins.com/bcbs-association-class-action-settlement#comments-listing)
**In 2012 an “antitrust” class action suit was filed against the Nation’s 36 Blue Cross plans**, alleging the Blue Cross Association rules prevented fair competition. In the Fall of 2020, there was a “proposed” settlement of $2.7 Billion dollars that would distribute dollars back to Blue Cross customers that had policies between 2/07/2008 and 10/16/2020. The Blue Cross and Blue Shield Association, in partnership with the “local” Blue Cross plan(s) & the settlement administrator gave notice to eligible employer groups (and some individual employees) information about the proposed settlement and how they can register as a member of the class. Eligible employers had a deadline of November 2021 to register/file a claim as a member of the class, and the past 5 years have shown a number of delays & appeals.
[Read More](https://blog.dspins.com/bcbs-association-class-action-settlement)
## [New OSHA 300 Recordkeeping Guide](https://blog.dspins.com/new-osha-300-recordkeeping-guide)
Mar 31, 2025, 4:23:40 PM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/new-osha-300-recordkeeping-guide#comments-listing)
OSHA recently released an updated recordkeeping guide that details requirements for tracking employee injury and illness in the workplace via forms 300A, 300 and 301. The new guide adds recently incorporated changes to OSHA guidelines.
It also simplifies reporting guidelines by merging the previous four OSHA reporting documents into a single guide.
[Read More](https://blog.dspins.com/new-osha-300-recordkeeping-guide)
## [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)
Mar 31, 2025, 4:21:39 PM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/us-pc-insurers-see-net-underwriting-loss-of-5-6-billion#comments-listing)
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)
## [Directors and Officers Insurance Guide](https://blog.dspins.com/directors-and-officers-insurance-guide)
Mar 31, 2025, 4:20:15 PM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/directors-and-officers-insurance-guide#comments-listing)
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, publicly traded companies. Protect your business and co-workers from costly claims by asking us about our D&O guide, which provides an overview of D&O Policies and their benefits.
[Read More](https://blog.dspins.com/directors-and-officers-insurance-guide)
[](https://blog.dspins.com/john-adams-and-jerry-olson-join-dsp-ownership)
## [John Adams and Jerry Olson join DSP Ownership](https://blog.dspins.com/john-adams-and-jerry-olson-join-dsp-ownership)
Mar 31, 2025, 4:17:02 PM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/john-adams-and-jerry-olson-join-dsp-ownership#comments-listing)
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 management experience to the agency and will be instrumental in its future growth. They join current partners Bob Schutz and Steve Webster.
[Read More](https://blog.dspins.com/john-adams-and-jerry-olson-join-dsp-ownership)
[](https://blog.dspins.com/dsp-volunteers-with-feed-my-starving-children)
## [DSP Volunteers with Feed My Starving Children](https://blog.dspins.com/dsp-volunteers-with-feed-my-starving-children)
Mar 31, 2025, 4:16:01 PM / by [DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/dsp-volunteers-with-feed-my-starving-children#comments-listing)
DSP recently teamed up with Feed My Starving Children to pack meals for impoverished children in Haiti. This volunteer session packed 58,104 meals, which will feed 159 children for a year. Visit [www.fmsc.org](https://l.facebook.com/l.php?u=http%3A%2F%2Fwww.fmsc.org%2F%3Ffbclid%3DIwAR1hix7nXbqmTQSKg9nW06YOZqB559TuM2kkzOHceDAPwMhjRrsVWP6NNI4&h=AT105ROnegKOa0y6B4m6N3unId2FXGym6xmvfZSpLEeFGKwqgfl3K1fJxiRzccvxvjKTY0Aq2oconPKp8yLy2SqVwgwn1I7ndsvCd8Yvrl3zW5-FN2eX44xtowwAVxIuqymCsdOjsAE10_p5YrIWYbOG6Yc1UqJStsz82uG_A6UOGAcOlQ8rKMDgpwQgYy3QuH09_OKgWyxLCoTMcHcQXh6qGKtkBv_YeOD5f91-wpj-n4p-goMEGmMfG2TjrQ2q3i90psNdWCwx_CEhQNAFiAGNTF_Tx_y7SuTayFNTqPisgj_mCeIwtA9_TMj-YqQEqoadD8kHAlIWKF0mv8b1GA441wrRmKXWr89y-g3z3Q1MxRUvmvhmpiCqdddIs0iBsn8Df__SOpZkN2YbNBOcvMSi_J-oq4atK5OHG2HaqaIIg_fjMPDmXqIjUR049OM4yZqkJTu_rrOoomDLSuexu5f_belJB8K4HzwPtAjicgrLMLsMGNwSIqGl6J_RZm9oAIVRPP7M4mt2y6o45fp9gpnxT7fpIKYJ6R4kmfo5LEUrG6hRpDKHI5EAb-88dIOG0XMkR2-qOY_nTU62CdkaDNf47Z1FCDLEPY1U6dWPYUX68TDBcrMDsany4GcG0RB5Lw) to learn more about this great charity.
[Read More](https://blog.dspins.com/dsp-volunteers-with-feed-my-starving-children)
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### Upcoming Events
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[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)
## DSP Insurance Services
[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. Is Your Insurance Program Keeping Up?](https://blog.dspins.com/your-team-is-using-ai.-is-your-insurance-program-keeping-up)
#### [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)
AI-enabled tools are increasingly finding their way into businesses of all types, including manufacturing, construction, professional services, distribution and many others.
[Read More](https://blog.dspins.com/your-team-is-using-ai.-is-your-insurance-program-keeping-up)
[DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 3 Min
#### [E-Bikes and E-Scooters: The Speed Is the Feature. It's Also the Risk.](https://blog.dspins.com/ebike-escooter-safety-check)
If you or your family ride an e-bike or e-scooter, the deductible on your judgment isn't the vehicle's top speed, it's the gap between how fast the…
[Read More](https://blog.dspins.com/ebike-escooter-safety-check)
[DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 4 Min
#### [AI Changed Cybersecurity. Has Your Business Changed With It?](https://blog.dspins.com/ai-changed-cybersecurity.-has-your-business-changed-with-it)
Most business owners believe they've checked the cybersecurity box. They have an IT provider. They've purchased cyber liability insurance. Their…
[Read More](https://blog.dspins.com/ai-changed-cybersecurity.-has-your-business-changed-with-it)
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#### [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)
Prescription drug costs have become one of the fastest-growing expenses in employer-sponsored health plans. Yet despite representing a significant…
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[DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 3 Min
#### [BCBS Association Class Action Settlement](https://blog.dspins.com/bcbs-association-class-action-settlement)
In 2012 an “antitrust” class action suit was filed against the Nation’s 36 Blue Cross plans, alleging the Blue Cross Association rules prevented fair…
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[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…
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[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.
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[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,…
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[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…
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[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,…
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