---
title: Insurance Insights (4)
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. (4)
---
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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/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)
[](https://blog.dspins.com/understanding-and-navigating-maintenance-bonds)
## [Understanding and Navigating Maintenance Bonds](https://blog.dspins.com/understanding-and-navigating-maintenance-bonds)
Nov 13, 2025, 9:40:58 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/understanding-and-navigating-maintenance-bonds#comments-listing)
As construction projects grow more complex and owners demand longer warranty coverage, maintenance bonds are playing an increasingly important role in contract negotiations. Contractors who understand how these bonds work and how to manage their impact on surety capacity and cost are better positioned to protect their business and maintain strong relationships with both owners and sureties.
[Read More](https://blog.dspins.com/understanding-and-navigating-maintenance-bonds)
[](https://blog.dspins.com/irs-increases-health-and-dependent-care-fsa-limits-for-2026)
## [IRS Increases Health and Dependent Care FSA Limits for 2026](https://blog.dspins.com/irs-increases-health-and-dependent-care-fsa-limits-for-2026)
Nov 5, 2025, 1:47:55 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/irs-increases-health-and-dependent-care-fsa-limits-for-2026#comments-listing)
The IRS has announced new inflation-adjusted limits for [flexible spending accounts (FSAs)](https://blog.dspins.com/employee-benefits/flexible-spending-account/) beginning in 2026, giving employees more room to set aside pre-tax dollars for medical and dependent care expenses. These updates, along with a major legislative change from the One Big Beautiful Bill (OBBB) Act, make 2026 an important year for benefit planning. For employees, these changes translate to greater flexibility and potential tax savings. For employers, they mean updated plan limits, new communication needs, and an opportunity to highlight valuable benefits.
[Read More](https://blog.dspins.com/irs-increases-health-and-dependent-care-fsa-limits-for-2026)
[](https://blog.dspins.com/fireplace-and-fire-pit-safety-keeping-warm-the-right-way)
## [Fireplace and Fire Pit Safety: Keeping Warm the Right Way](https://blog.dspins.com/fireplace-and-fire-pit-safety-keeping-warm-the-right-way)
Oct 15, 2025, 1:35:32 PM / 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/fireplace-and-fire-pit-safety-keeping-warm-the-right-way#comments-listing)
When temperatures drop, there’s nothing like the comfort of a warm fire, whether it’s in your living room or out in the backyard. Fireplaces, wood stoves, and fire pits can create cozy moments and great memories, but they also come with responsibilities. A few simple precautions can help prevent accidents and keep your home, family, and guests safe.
[Read More](https://blog.dspins.com/fireplace-and-fire-pit-safety-keeping-warm-the-right-way)
[](https://blog.dspins.com/employee-benefits-that-work-for-early-childhood-education)
## [Employee Benefits That Work for Early Childhood Education](https://blog.dspins.com/employee-benefits-that-work-for-early-childhood-education)
Oct 10, 2025, 1:30:22 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/employee-benefits-that-work-for-early-childhood-education#comments-listing)
Running a school is hard work. Every dollar matters. Every staff member matters even more.
In early childhood education, whether practiced like Montessori, Waldorf or others, benefits are not just a nice-to-have. They are the difference between keeping great teachers and losing them to other jobs. The right benefits strategy helps you manage costs, keep your people, and give families the consistency they expect.
[Read More](https://blog.dspins.com/employee-benefits-that-work-for-early-childhood-education)
[](https://blog.dspins.com/carbon-monoxide-safety-protecting-your-home-and-family)
## [Carbon Monoxide Safety: Protecting Your Home and Family](https://blog.dspins.com/carbon-monoxide-safety-protecting-your-home-and-family)
Oct 1, 2025, 3:40:56 PM / 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/carbon-monoxide-safety-protecting-your-home-and-family#comments-listing)
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 produced by burning fuels like gas, wood, charcoal, or oil in devices such as heaters, stoves, or vehicles. Understanding CO risks and taking preventive measures can save lives. Here’s what you need to know to stay safe.
[Read More](https://blog.dspins.com/carbon-monoxide-safety-protecting-your-home-and-family)
[](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support)
## [WIP and CC Schedules Matter for Surety Support](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support)
Sep 24, 2025, 12:34:41 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/wip-and-cc-schedules-matter-for-surety-support#comments-listing)
In the construction industry, accurate financial reporting is more than a compliance requirement, it is the foundation of trust with surety partners. Among the most critical components of contractor financials are the Work in Process (WIP) schedule and the Completed Contracts (CC) schedule. These schedules do more than just list projects; they provide visibility into the accuracy of job costing, estimating practices, and overall financial health of the business.
[Read More](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support)
[](https://blog.dspins.com/insurance-fraud-how-it-impacts-your-business)
## [Insurance Fraud: How It Impacts Your Business](https://blog.dspins.com/insurance-fraud-how-it-impacts-your-business)
Sep 18, 2025, 12:53:54 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/insurance-fraud-how-it-impacts-your-business#comments-listing)
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 casualty fraud making up nearly $90 billion of that total. Those losses trickle down in the form of higher premiums, stricter terms, and challenges when it comes to securing coverage.
[Read More](https://blog.dspins.com/insurance-fraud-how-it-impacts-your-business)
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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)
#### [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 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.…
[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. It gives us a clear look at where employers are falling short and…
[Read More](https://blog.dspins.com/why-safety-matters-now-more-than-ever)
[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…
[Read More](https://blog.dspins.com/business-insurance-and-government-shutdowns-what-businesses-need-to-know)
[Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 1 Min
#### [Understanding and Navigating Maintenance Bonds](https://blog.dspins.com/understanding-and-navigating-maintenance-bonds)
As construction projects grow more complex and owners demand longer warranty coverage, maintenance bonds are playing an increasingly important role…
[Read More](https://blog.dspins.com/understanding-and-navigating-maintenance-bonds)
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