---
title: Insurance Insights (3)
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. (3)
---
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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/what-happens-when-the-plan-you-built-no-longer-fits-the-business-you-have)
## [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)
Feb 20, 2026, 2:28:31 PM / 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/what-happens-when-the-plan-you-built-no-longer-fits-the-business-you-have#comments-listing)
Most private business owners have some version of a succession plan. A buy-sell agreement drafted years ago. A vague understanding that the life insurance policy covers it. A handshake with a partner about what happens if one of them walks away.
What most owners don't have is a plan that reflects the business as it exists today.
That gap is where things get expensive.
[Read More](https://blog.dspins.com/what-happens-when-the-plan-you-built-no-longer-fits-the-business-you-have)
[](https://blog.dspins.com/tightening-surety-underwriting-amid-a-growing-market)
## [Tightening Surety Underwriting Amid a Growing Market](https://blog.dspins.com/tightening-surety-underwriting-amid-a-growing-market)
Feb 4, 2026, 3:30:04 PM / 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/tightening-surety-underwriting-amid-a-growing-market#comments-listing)
The U.S. surety market hasexperienced robust premium growth in recent years, driven by strong demand forcontract bonds tied to large-scale infrastructure spending and generalincreases in contract sizes stemming from inflationary cost pressures. However,against this backdrop of growth, surety loss ratios have trended upward,prompting a noticeable shift in underwriting posture across the market.
[Read More](https://blog.dspins.com/tightening-surety-underwriting-amid-a-growing-market)
[](https://blog.dspins.com/osha-injury-and-illness-reporting-requirements-for-employers)
## [OSHA Injury and Illness Reporting Requirements for Employers](https://blog.dspins.com/osha-injury-and-illness-reporting-requirements-for-employers)
Jan 27, 2026, 10:02:04 AM / by [Steve Stetson](https://blog.dspins.com/author/steve-stetson) posted in [Safety Consulting](https://blog.dspins.com/topic/safety-consulting)
[0 Comments](https://blog.dspins.com/osha-injury-and-illness-reporting-requirements-for-employers#comments-listing)
Each year, certain employers are required to submit workplace injury and illness data to OSHA through the Injury Tracking Application (ITA). These reports help OSHA monitor safety trends, identify high-risk workplaces, and strengthen worker protection efforts.
[Read More](https://blog.dspins.com/osha-injury-and-illness-reporting-requirements-for-employers)
[.jpeg)](https://blog.dspins.com/the-truth-about-ichras-separating-the-hype-from-what-really-matters)
## [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)
Jan 21, 2026, 8:39:39 AM / 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/the-truth-about-ichras-separating-the-hype-from-what-really-matters#comments-listing)
## ICHRA: What Is It?
An Individual Coverage Health Reimbursement Arrangement differs from a traditional group health plan by shifting how coverage is provided. Instead of sponsoring a group policy, the employer offers a defined contribution that employees use to purchase their own individual health insurance. Working with a plan administrator, employees can choose from multiple insurers and plan options, and their share of the premium is typically paid pre-tax through payroll. For some employers, this approach can be more cost-effective and predictable than maintaining a group plan.
[Read More](https://blog.dspins.com/the-truth-about-ichras-separating-the-hype-from-what-really-matters)
[](https://blog.dspins.com/property-fraud-what-it-is-and-how-to-protect-yourself)
## [Property Fraud: What It Is and How to Protect Yourself](https://blog.dspins.com/property-fraud-what-it-is-and-how-to-protect-yourself)
Jan 9, 2026, 10:16:00 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/property-fraud-what-it-is-and-how-to-protect-yourself#comments-listing)
Property fraud, sometimes referred to as deed fraud or recording fraud, is a growing concern for homeowners and property owners. It occurs when someone files forged or fraudulent documents with a county recorder in an attempt to transfer ownership, place a lien, or otherwise gain financial benefit from a property they do not own. Properties that are paid off or have no mortgage are often targeted because there is less oversight from a lender.
Once a fraudulent document is recorded, the responsibility to correct it typically falls on the property owner. This often requires petitioning the court, at the owner’s expense, to have the fraudulent recording removed. Until the issue is resolved, selling the property or obtaining a mortgage or refinancing can be difficult or even impossible.
[Read More](https://blog.dspins.com/property-fraud-what-it-is-and-how-to-protect-yourself)
[.jpeg)](https://blog.dspins.com/ichra-education-and-why-more-school-leaders-are-paying-attention-now)
## [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)
Dec 30, 2025, 1:19:35 PM / 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/ichra-education-and-why-more-school-leaders-are-paying-attention-now#comments-listing)
For most education leaders, [employer-sponsored healthcare](https://www.dspins.com/employee-benefits/) has long been treated as a fixed part of doing business.
You select a carrier.
You negotiate a renewal.
You absorb the increase.
You explain it to employees.
You repeat the process the following year.
[Read More](https://blog.dspins.com/ichra-education-and-why-more-school-leaders-are-paying-attention-now)
[](https://blog.dspins.com/illinois-prescription-drug-affordability-act-fee-what-bcbs-of-illinois-employers-need-to-know)
## [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)
Dec 17, 2025, 10:14:02 AM / 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-prescription-drug-affordability-act-fee-what-bcbs-of-illinois-employers-need-to-know#comments-listing)
## Overview of the New Requirement
Illinois House Bill 1697 introduces a new annual fee tied to prescription drug benefits, and many employers will begin seeing this charge in 2026. Most Blue Cross Blue Shield of Illinois (BCBS of IL) health plans use BCBS of IL’s subsidiary, Prime Therapeutics, as its pharmacy benefit manager (PBM), and this update applies directly to those plans. Under the Prescription Drug Affordability Act, PBMs are required to pay the State of Illinois fifteen dollars per covered individual who is enrolled in pharmacy benefits and lives in Illinois. This includes both employees and dependents. BCBS of IL & Prime Therapeutics will pay the fee to the state fund, and BCBS of IL will pass the cost through to employer groups that fall under the law.
[Read More](https://blog.dspins.com/illinois-prescription-drug-affordability-act-fee-what-bcbs-of-illinois-employers-need-to-know)
[](https://blog.dspins.com/are-ice-dams-covered-by-insurance)
## [Are Ice Dams Covered by Insurance?](https://blog.dspins.com/are-ice-dams-covered-by-insurance)
Dec 10, 2025, 12:55:19 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/are-ice-dams-covered-by-insurance#comments-listing)
Winter is here, and with it comes one of the season’s biggest headaches for homeowners: ice dams. These ridges of ice form when warm air inside your home melts the snow on your roof, only for that melted snow to refreeze at the edges. Once that happens, the water behind the ice has nowhere to go. Eventually, it works its way under shingles and into your home, causing stains, leaks, warped materials, and costly frustration.
It’s a common winter issue in the Midwest, but the question we hear most often is simple: **Does homeowners insurance cover this?** In many cases, yes.
[Read More](https://blog.dspins.com/are-ice-dams-covered-by-insurance)
[](https://blog.dspins.com/why-safety-matters-now-more-than-ever)
## [Why Safety Matters Now More Than Ever](https://blog.dspins.com/why-safety-matters-now-more-than-ever)
Dec 4, 2025, 9:20:42 AM / by [Steve Stetson](https://blog.dspins.com/author/steve-stetson) posted in [Safety Consulting](https://blog.dspins.com/topic/safety-consulting)
[0 Comments](https://blog.dspins.com/why-safety-matters-now-more-than-ever#comments-listing)
Every year, OSHA publishes a list of the most frequently cited safety standards. It gives us a clear look at where employers are falling short and where workers are getting hurt. According to the latest data released by **Safety and Health Magazine**, Fall Protection, General Requirements, is once again the most cited standard for 2025 with 5,914 violations.
*(Source: [Safety and Health Magazine](https://www.safetyandhealthmagazine.com/articles/27597-the-most-frequently-cited-standards-in-fy-2025?utm_source=chatgpt.com))*
[Read More](https://blog.dspins.com/why-safety-matters-now-more-than-ever)
[](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)
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## [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)
#### [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)
Most private business owners have some version of a succession plan. A buy-sell agreement drafted years ago. A vague understanding that the life insurance policy covers it. A handshake with a partner about what happens if one of them walks away. What most owners don't have is a plan that reflects…
[Read More](https://blog.dspins.com/what-happens-when-the-plan-you-built-no-longer-fits-the-business-you-have)
[Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 1 Min
#### [Tightening Surety Underwriting Amid a Growing Market](https://blog.dspins.com/tightening-surety-underwriting-amid-a-growing-market)
The U.S. surety market hasexperienced robust premium growth in recent years, driven by strong demand forcontract bonds tied to large-scale…
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#### [OSHA Injury and Illness Reporting Requirements for Employers](https://blog.dspins.com/osha-injury-and-illness-reporting-requirements-for-employers)
Each year, certain employers are required to submit workplace injury and illness data to OSHA through the Injury Tracking Application (ITA). These…
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[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? An Individual Coverage Health Reimbursement Arrangement differs from a traditional group health plan by shifting how coverage is…
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#### [Property Fraud: What It Is and How to Protect Yourself](https://blog.dspins.com/property-fraud-what-it-is-and-how-to-protect-yourself)
Property fraud, sometimes referred to as deed fraud or recording fraud, is a growing concern for homeowners and property owners. It occurs when…
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[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. You…
[Read More](https://blog.dspins.com/ichra-education-and-why-more-school-leaders-are-paying-attention-now)
[Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min
#### [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)
Overview of the New Requirement Illinois House Bill 1697 introduces a new annual fee tied to prescription drug benefits, and many employers will…
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[Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min
#### [Are Ice Dams Covered by Insurance?](https://blog.dspins.com/are-ice-dams-covered-by-insurance)
Winter is here, and with it comes one of the season’s biggest headaches for homeowners: ice dams. These ridges of ice form when warm air inside your…
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[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. It gives us a clear look at where employers are falling short and…
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[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)
The recent federal government shutdown, the longest in U.S. history, put millions of Americans under financial strain and uncertainty. For small…
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### Popular Posts
[Eric Vatch](https://blog.dspins.com/author/eric-vatch) 11/05/2025 [Employee Benefits](https://blog.dspins.com/tag/employee-benefits)
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[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)
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