---
title: Insurance Insights (2)
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. (2)
---
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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.
[](https://blog.dspins.com/illinois-requires-unpaid-leave-for-parents-of-nicu-babies)
## [Illinois Requires Unpaid Leave for Parents of NICU Babies](https://blog.dspins.com/illinois-requires-unpaid-leave-for-parents-of-nicu-babies)
May 27, 2026, 12:37:34 PM / by [Eric Vatch](https://blog.dspins.com/author/eric-vatch) posted in [Employee Benefits](https://blog.dspins.com/topic/employee-benefits)
[0 Comments](https://blog.dspins.com/illinois-requires-unpaid-leave-for-parents-of-nicu-babies#comments-listing)
Starting June 1, 2026, Illinois employers will need to navigate a new leave requirement under the **Family Neonatal Intensive Care Leave Act**. This law requires certain employers to provide unpaid leave to employees whose child is receiving care in a neonatal intensive care unit (NICU).
At a high level, the law reflects a growing focus on supporting employees during critical and often unexpected life events. At the same time, it introduces additional compliance responsibilities that employers will need to manage carefully.
[Read More](https://blog.dspins.com/illinois-requires-unpaid-leave-for-parents-of-nicu-babies)
[](https://blog.dspins.com/the-peptide-decade-will-reshape-pharmacy)
## [The Peptide Decade Will Reshape Pharmacy](https://blog.dspins.com/the-peptide-decade-will-reshape-pharmacy)
May 15, 2026, 8:50:48 AM / by [Blake Erickson](https://blog.dspins.com/author/blake-erickson) posted in [Employee Benefits](https://blog.dspins.com/topic/employee-benefits)
[0 Comments](https://blog.dspins.com/the-peptide-decade-will-reshape-pharmacy#comments-listing)
It's getting noisy over here. *Diary of a CEO* ran a 90-minute peptide episode that went viral. HHS reversed the FDA ban on most of the restricted peptide list. The wellness industry began its pivot years ago. Your CFO's group chat is asking what BPC-157 is.
[Read More](https://blog.dspins.com/the-peptide-decade-will-reshape-pharmacy)
[](https://blog.dspins.com/why-your-broker-and-cpa-should-be-working-together)
## [Why Your Broker and CPA Should Be Working Together](https://blog.dspins.com/why-your-broker-and-cpa-should-be-working-together)
May 5, 2026, 8:29:45 PM / by [Blake Erickson](https://blog.dspins.com/author/blake-erickson) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/why-your-broker-and-cpa-should-be-working-together#comments-listing)
Most business owners don’t have a people problem.
They have a communication problem.
Not internally, but across their advisors.
You might have a strong CPA. A solid insurance broker. Maybe even a financial advisor and an attorney you trust. On paper, that looks like a well-built team. But in reality, those individuals are often operating in completely separate lanes, solving problems without ever comparing notes.
And that’s where things start to break down.
Because your business doesn’t operate in silos. Your advisors shouldn’t either.
[Read More](https://blog.dspins.com/why-your-broker-and-cpa-should-be-working-together)
[](https://blog.dspins.com/the-risk-management-center)
## [The Risk Management Center](https://blog.dspins.com/the-risk-management-center)
Apr 24, 2026, 1:58:04 PM / by [Mike Pohl](https://blog.dspins.com/author/mike-pohl) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/the-risk-management-center#comments-listing)
Most companies approach safety training the same way each year. They assign courses, send reminders, track completions, and move on. On paper, that process checks the box. But in practice, it often leaves a gap between completion and actual understanding.
That gap matters.
[Read More](https://blog.dspins.com/the-risk-management-center)
[](https://blog.dspins.com/eyes-on-the-road-distracted-driving-is-still-a-major-risk)
## [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)
Apr 15, 2026, 1:24:34 PM / by [Steve Stetson](https://blog.dspins.com/author/steve-stetson) posted in [Safety Services](https://blog.dspins.com/topic/safety-services)
[0 Comments](https://blog.dspins.com/eyes-on-the-road-distracted-driving-is-still-a-major-risk#comments-listing)
A driver glances at their phone for a few seconds. That’s all it takes.
A missed brake light. A delayed reaction. A crash that could have been avoided.
Distracted driving remains one of the most preventable causes of serious accidents on the road. And despite better awareness, the numbers have not meaningfully improved.
[Read More](https://blog.dspins.com/eyes-on-the-road-distracted-driving-is-still-a-major-risk)
[](https://blog.dspins.com/captive-insurance-the-strategy-most-business-owners-never-question)
## [Captive Insurance: The Strategy Most Business Owners Never Question](https://blog.dspins.com/captive-insurance-the-strategy-most-business-owners-never-question)
Apr 9, 2026, 10:58:34 AM / by [Mike Pohl](https://blog.dspins.com/author/mike-pohl) posted in [Commercial Lines](https://blog.dspins.com/topic/commercial-lines)
[0 Comments](https://blog.dspins.com/captive-insurance-the-strategy-most-business-owners-never-question#comments-listing)
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 company, keep the underwriting profit, and potentially save six figures a year, they'd think I was running a scam. But that's essentially what a captive is.
[Read More](https://blog.dspins.com/captive-insurance-the-strategy-most-business-owners-never-question)
[](https://blog.dspins.com/subcontractor-prequalification-is-more-than-risk-management)
## [Subcontractor Prequalification Is More Than Risk Management](https://blog.dspins.com/subcontractor-prequalification-is-more-than-risk-management)
Mar 31, 2026, 9:29:31 AM / by [Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) posted in [Surety](https://blog.dspins.com/topic/surety)
[0 Comments](https://blog.dspins.com/subcontractor-prequalification-is-more-than-risk-management#comments-listing)
A general contractor loses a subcontractor mid-project. Maybe they ran out of cash. Maybe they took on too much work and could not deliver. Maybe the signs were there for months and nobody was watching closely enough.
The result is the same regardless of the cause: delays, cost overruns, a damaged owner relationship, and a scramble to find someone who can pick up the pieces.
Here is the uncomfortable truth. In most of those situations, the outcome was preventable.
[Read More](https://blog.dspins.com/subcontractor-prequalification-is-more-than-risk-management)
[](https://blog.dspins.com/a-small-leak-can-become-a-big-problem-simple-water-defense-tips-for-your-home)
## [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)
Mar 19, 2026, 9:11:16 AM / by [Laura Wywial](https://blog.dspins.com/author/laura-wywial) posted in [Personal Insurance](https://blog.dspins.com/topic/personal-insurance)
[0 Comments](https://blog.dspins.com/a-small-leak-can-become-a-big-problem-simple-water-defense-tips-for-your-home#comments-listing)
Water damage is one of the most common and costly insurance claims homeowners experience. In fact, it is estimated that nearly one trillion gallons of water are lost each year in the United States due to common household leaks. Many of these losses begin with small issues that go unnoticed until damage has already occurred.
One appliance that deserves a little extra attention is the refrigerator. Water supply lines, filters, and seals can all contribute to leaks or inefficiencies if they are not inspected regularly. A quick annual check is a simple way to prevent water damage at home and keep your appliance running efficiently.
[Read More](https://blog.dspins.com/a-small-leak-can-become-a-big-problem-simple-water-defense-tips-for-your-home)
[](https://blog.dspins.com/your-benefits-strategy-may-have-a-coordination-problem)
## [Your Benefits Strategy May Have a Coordination Problem](https://blog.dspins.com/your-benefits-strategy-may-have-a-coordination-problem)
Mar 6, 2026, 9:16:58 AM / by [Blake Erickson](https://blog.dspins.com/author/blake-erickson) posted in [Employee Benefits](https://blog.dspins.com/topic/employee-benefits)
[0 Comments](https://blog.dspins.com/your-benefits-strategy-may-have-a-coordination-problem#comments-listing)
Most employers spend more on [employee benefits](https://www.dspins.com/employee-benefits/) every year. Costs go up. Complexity goes up. But outcomes? They stay flat.
[Read More](https://blog.dspins.com/your-benefits-strategy-may-have-a-coordination-problem)
[](https://blog.dspins.com/are-you-confident-your-insurance-program-is-competitively-positioned)
## [Are You Confident Your Insurance Program Is Competitively Positioned?](https://blog.dspins.com/are-you-confident-your-insurance-program-is-competitively-positioned)
Feb 25, 2026, 5:58:04 PM / by [Mike Pohl](https://blog.dspins.com/author/mike-pohl) posted in [Commercial Lines](https://blog.dspins.com/topic/commercial-lines)
[0 Comments](https://blog.dspins.com/are-you-confident-your-insurance-program-is-competitively-positioned#comments-listing)
Most businesses renew their insurance program the same way each year.
Meet with their broker. Review the numbers. Negotiate a little. Move on.
But very few companies stop to ask a more important question:
## How does our program actually compare to the rest of the market?
Not what one carrier thinks. Not what last year looked like.
What does the data say?
[Read More](https://blog.dspins.com/are-you-confident-your-insurance-program-is-competitively-positioned)
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[Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min
## [Illinois Requires Unpaid Leave for Parents of NICU Babies](https://blog.dspins.com/illinois-requires-unpaid-leave-for-parents-of-nicu-babies)
#### [Illinois Requires Unpaid Leave for Parents of NICU Babies](https://blog.dspins.com/illinois-requires-unpaid-leave-for-parents-of-nicu-babies)
Starting June 1, 2026, Illinois employers will need to navigate a new leave requirement under the Family Neonatal Intensive Care Leave Act. This law requires certain employers to provide unpaid leave to employees whose child is receiving care in a neonatal intensive care unit (NICU). At a high…
[Read More](https://blog.dspins.com/illinois-requires-unpaid-leave-for-parents-of-nicu-babies)
[Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 3 Min
#### [The Peptide Decade Will Reshape Pharmacy](https://blog.dspins.com/the-peptide-decade-will-reshape-pharmacy)
It's getting noisy over here. Diary of a CEO ran a 90-minute peptide episode that went viral. HHS reversed the FDA ban on most of the restricted…
[Read More](https://blog.dspins.com/the-peptide-decade-will-reshape-pharmacy)
[Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 4 Min
#### [Why Your Broker and CPA Should Be Working Together](https://blog.dspins.com/why-your-broker-and-cpa-should-be-working-together)
Most business owners don’t have a people problem. They have a communication problem. Not internally, but across their advisors. You might have a…
[Read More](https://blog.dspins.com/why-your-broker-and-cpa-should-be-working-together)
[Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 3 Min
#### [The Risk Management Center](https://blog.dspins.com/the-risk-management-center)
Most companies approach safety training the same way each year. They assign courses, send reminders, track completions, and move on. On paper, that…
[Read More](https://blog.dspins.com/the-risk-management-center)
[Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Services](https://blog.dspins.com/tag/safety-services) 2 Min
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