---
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)
---
[](https://www.dspins.com/)
- [Insurance Solutions](https://www.dspins.com/insurance-solutions/)
- [Business Insurance](https://www.dspins.com/business-insurance/)
- [Workers’ Compensation](https://www.dspins.com/business-insurance/workers-compensation-insurance/)
- [Directors and Officers Liability](https://www.dspins.com/business-insurance/directors-and-officers-liability-insurance/)
- [Employment Practice Liability](https://www.dspins.com/business-insurance/employment-practice-liability-insurance/)
- [See All](https://www.dspins.com/business-insurance/)
- [Employee Benefits](https://www.dspins.com/employee-benefits/)
- [Group Health](https://www.dspins.com/employee-benefits/group-health-insurance/)
- [Group Dental](https://www.dspins.com/employee-benefits/group-dental-insurance/)
- [Group Vision](https://www.dspins.com/employee-benefits/group-vision-insurance/)
- [See All](https://www.dspins.com/employee-benefits/)
- [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Contractor](https://www.dspins.com/business-insurance/insurance-by-industry/contractor-insurance/)
- [Manufacturer](https://www.dspins.com/business-insurance/insurance-by-industry/manufacturer-insurance/)
- [Financial Institution](https://www.dspins.com/business-insurance/insurance-by-industry/financial-institution-insurance/)
- [See All](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Personal Insurance](https://www.dspins.com/personal-insurance/)
- [Home](https://www.dspins.com/personal-insurance/home-insurance/)
- [Auto](https://www.dspins.com/personal-insurance/auto-insurance/)
- [Umbrella](https://www.dspins.com/personal-insurance/umbrella-insurance/)
- [See All](https://www.dspins.com/personal-insurance/)
- [Safety Consulting](https://www.dspins.com/safety-consulting/)
- [Service Center](https://www.dspins.com/service-center/)
- [Explore Policy Options](https://www.dspins.com/service-center/)
- [Report a Claim](https://www.dspins.com/service-center/report-a-claim/)
- [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/)
- [Request a Certificate](https://www.dspins.com/service-center/request-certificate/)
- [Request a Bond](https://www.dspins.com/service-center/report-a-claim/)
- [Policy Review](https://www.dspins.com/service-center/policy-review/)
- [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/)
- [Client Login](https://www.dspins.com/service-center/#client-login)
- [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/)
- [About](https://www.dspins.com/service-center/)
- [About Our Agency](https://blog.dspins.com/page/About%20Our%20Agency)
- [Agency News](https://www.dspins.com/blog/category/agency-news/)
- [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/)
- [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/)
- [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/)
- [Community Involvement](https://www.dspins.com/about-our-agency/community-involvement/)
- [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/)
- [Learn About Our Agency](https://www.dspins.com/about-our-agency/)
- Media
- [Blog](https://blog.dspins.com/)
- [Podcast](https://www.dspins.com/podcast/)
- [Events](https://info.dspins.com/events)
- [Contact](https://www.dspins.com/contact/)
- [Schaumburg, IL Office](https://www.dspins.com/contact/schaumburg-il-insurance/)
- [1900 E. Golf Road Suite 650 Schaumburg, IL 60173](https://www.dspins.com/contact/schaumburg-il-insurance/)
- [847-934-6100](tel:847-934-6100)
- [info@dspins.com](https://blog.dspins.com/page/info@dspins.com)
- [Review Us](https://www.dspins.com/contact/review-us/)
- [Refer Us](https://www.dspins.com/contact/refer-us/)
- [Contact](https://www.dspins.com/contact/)
[847-934-6100](tel:847-934-6100)
[Request Quote](https://www.dspins.com/request-quote/)
*Menu*
- [Insurance Solutions](https://www.dspins.com/insurance-solutions/)
- [Safety Consulting](https://www.dspins.com/safety-consulting/)
- [Business Insurance](https://www.dspins.com/business-insurance/)
- [Workers’ Compensation](https://www.dspins.com/business-insurance/workers-compensation-insurance/)
- [Directors and Officers Liability](https://www.dspins.com/business-insurance/directors-and-officers-liability-insurance/)
- [Employment Practice Liability](https://www.dspins.com/business-insurance/employment-practice-liability-insurance/)
- [See All](https://www.dspins.com/business-insurance/)
- [Employee Benefits](https://www.dspins.com/employee-benefits/)
- [Group Health](https://www.dspins.com/employee-benefits/group-health-insurance/)
- [Group Dental](https://www.dspins.com/employee-benefits/group-dental-insurance/)
- [Group Vision](https://www.dspins.com/employee-benefits/group-vision-insurance/)
- [See All](https://www.dspins.com/employee-benefits/)
- [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Contractor](https://www.dspins.com/business-insurance/insurance-by-industry/contractor-insurance/)
- [Manufacturer](https://www.dspins.com/business-insurance/insurance-by-industry/manufacturer-insurance/)
- [Financial Institution](https://www.dspins.com/business-insurance/insurance-by-industry/financial-institution-insurance/)
- [See All](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Personal Insurance](https://www.dspins.com/personal-insurance/)
- [Home](https://www.dspins.com/personal-insurance/home-insurance/)
- [Auto](https://www.dspins.com/personal-insurance/auto-insurance/)
- [Umbrella](https://www.dspins.com/personal-insurance/umbrella-insurance/)
- [See All](https://www.dspins.com/personal-insurance/)
- [Service Center](https://www.dspins.com/service-center/)
- [Explore Policy Options](https://www.dspins.com/service-center/)
- [Report a Claim](https://www.dspins.com/service-center/report-a-claim/)
- [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/)
- [Request a Certificate](https://www.dspins.com/service-center/request-certificate/)
- [Request a Bond](https://www.dspins.com/service-center/report-a-claim/)
- [Policy Review](https://www.dspins.com/service-center/policy-review/)
- [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/)
- [Client Login](https://www.dspins.com/service-center/#client-login)
- [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/)
- [About](https://www.dspins.com/service-center/)
- [About Our Agency](https://blog.dspins.com/page/About%20Our%20Agency)
- [Agency News](https://www.dspins.com/blog/category/agency-news/)
- [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/)
- [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/)
- [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/)
- [Community Involvement](https://www.dspins.com/about-our-agency/community-involvement/)
- [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/)
- [Learn About Our Agency](https://www.dspins.com/about-our-agency/)
- [Blog](https://www.dspins.com/blog/)
- [Events](https://info.dspins.com/events)
- [Contact](https://www.dspins.com/contact/)
- [Schaumburg, IL Office](https://www.dspins.com/contact/schaumburg-il-insurance/)
- [1900 E. Golf Road Suite 650 Schaumburg, IL 60173](https://www.dspins.com/contact/schaumburg-il-insurance/)
- [847-934-6100](tel:847-934-6100)
- [info@dspins.com](https://blog.dspins.com/page/info@dspins.com)
- [Review Us](https://www.dspins.com/contact/review-us/)
- [Refer Us](https://www.dspins.com/contact/refer-us/)
- [Contact](https://www.dspins.com/contact/)
- [847-934-6100](tel:847-934-6100)
- [Request Quote](https://www.dspins.com/request-quote/)
-
-
# 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/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)
[](https://blog.dspins.com/from-paycheck-to-protection-understanding-individual-disability-insurance)
## [From Paycheck to Protection - Understanding Individual Disability Insurance](https://blog.dspins.com/from-paycheck-to-protection-understanding-individual-disability-insurance)
Sep 10, 2025, 1:58:23 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/from-paycheck-to-protection-understanding-individual-disability-insurance#comments-listing)
### What Is Individual Disability Insurance?
Disability insurance pays a portion of your income if you cannot work due to an illness or injury. Employer-sponsored plans often have limits on benefits and an “[Individual Disability Insurance](https://blog.dspins.com/employee-benefits/disability-insurance/)” (IDI) policy can provide a more comprehensive level of income protection on their own or layered with an employer policy. IDI policies are:
- Owned by you and stay with you no matter where you work.
- Fills in the benefit gap an employer plan may have.
- Typically provides additional benefit enhancements for catastrophic illness/injury.
[Read More](https://blog.dspins.com/from-paycheck-to-protection-understanding-individual-disability-insurance)
[](https://blog.dspins.com/dear-chicagoland-stop-paying-hospital-prices-for-routine-care)
## [Dear Chicagoland: Stop Paying Hospital Prices for Routine Care](https://blog.dspins.com/dear-chicagoland-stop-paying-hospital-prices-for-routine-care)
Aug 19, 2025, 1:47:02 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/dear-chicagoland-stop-paying-hospital-prices-for-routine-care#comments-listing)
If you run payroll anywhere from The Loop to Lake County, you’re paying too much for the same care your people could get safely, often better, outside the hospital campus. Not because you’re careless. Because our market is wired to push routine services into the most expensive settings and then send the bill to employers.
Here’s the blunt version: consolidation plus misaligned incentives = inflated unit prices and the wrong site of care. And it’s costing your plan millions that should be going to wages, growth, and retirement matches...not “facility fees” and parking garages.
[Read More](https://blog.dspins.com/dear-chicagoland-stop-paying-hospital-prices-for-routine-care)
[](https://blog.dspins.com/are-you-prepared-for-a-power-outage)
## [Are You Prepared for a Power Outage](https://blog.dspins.com/are-you-prepared-for-a-power-outage)
Aug 15, 2025, 2:22:33 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/are-you-prepared-for-a-power-outage#comments-listing)
Power outages can happen without warning, whether it's from a major storm, equipment failure, or something more unpredictable. The good news? With the right preparation, you can minimize the disruption and keep yourself and others safe until the lights come back on.
At DSP Insurance, we believe safety starts before disaster strikes. That’s why we’ve compiled key tips to help you handle power outages with confidence.
[Read More](https://blog.dspins.com/are-you-prepared-for-a-power-outage)
[Prev](https://blog.dspins.com/page/3) [All posts](https://blog.dspins.com/all) [Next](https://blog.dspins.com/page/5)
### Subscribe to Email Updates
- Recent
- Popular
- Categories
### Lists by Topic
- [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance)
- [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits)
- [Surety (16)](https://blog.dspins.com/tag/surety)
- [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting)
- [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance)
- [Commercial Lines (6)](https://blog.dspins.com/tag/commercial-lines)
- [Safety Services (2)](https://blog.dspins.com/tag/safety-services)
- [Benefits (1)](https://blog.dspins.com/tag/benefits)
- [Fire Safety (1)](https://blog.dspins.com/tag/fire-safety)
- [Mental Health Parity (1)](https://blog.dspins.com/tag/mental-health-parity)
### Posts by Topic
- [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance)
- [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits)
- [Surety (16)](https://blog.dspins.com/tag/surety)
- [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting)
- [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance)
- [Commercial Lines (6)](https://blog.dspins.com/tag/commercial-lines)
- [Safety Services (2)](https://blog.dspins.com/tag/safety-services)
- [Benefits (1)](https://blog.dspins.com/tag/benefits)
- [Fire Safety (1)](https://blog.dspins.com/tag/fire-safety)
- [Mental Health Parity (1)](https://blog.dspins.com/tag/mental-health-parity)
See all
## Recent Posts
This is a search field with an auto-suggest feature attached.
- There are no suggestions because the search field is empty.
### Category
- [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance)
- [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits)
- [Surety (16)](https://blog.dspins.com/tag/surety)
- [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting)
- [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance)
- [Commercial Lines (6)](https://blog.dspins.com/tag/commercial-lines)
- [Safety Services (2)](https://blog.dspins.com/tag/safety-services)
- [Benefits (1)](https://blog.dspins.com/tag/benefits)
- [Fire Safety (1)](https://blog.dspins.com/tag/fire-safety)
- [Mental Health Parity (1)](https://blog.dspins.com/tag/mental-health-parity)
### Upcoming Events
12/24/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services)
[First Aid/CPR/AED Training 5/3/26](https://info.dspins.com/events/first-aid/cpr/aed-training-3/25/26)
12/24/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services)
[Distracted & Defensive Driving - TBD](https://info.dspins.com/events/distracted-defensive-driving-8/5/26)
07/30/2025 [Safety Services](https://info.dspins.com/events/tag/safety-services)
[Distracted & Defensive Driving 12/4/25](https://info.dspins.com/events/distracted-driving)
08/19/2024 [Safety Services](https://info.dspins.com/events/tag/safety-services)
[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)
[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)
#### [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 in contract negotiations. Contractors who understand how these bonds work and how to manage their impact on surety capacity and cost are better…
[Read More](https://blog.dspins.com/understanding-and-navigating-maintenance-bonds)
[Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 4 Min
#### [IRS Increases Health and Dependent Care FSA Limits for 2026](https://blog.dspins.com/irs-increases-health-and-dependent-care-fsa-limits-for-2026)
The IRS has announced new inflation-adjusted limits for flexible spending accounts (FSAs) beginning in 2026, giving employees more room to set aside…
[Read More](https://blog.dspins.com/irs-increases-health-and-dependent-care-fsa-limits-for-2026)
[Laura Wywial](https://blog.dspins.com/author/laura-wywial) [Personal Insurance](https://blog.dspins.com/tag/personal-insurance) 2 Min
#### [Fireplace and Fire Pit Safety: Keeping Warm the Right Way](https://blog.dspins.com/fireplace-and-fire-pit-safety-keeping-warm-the-right-way)
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…
[Read More](https://blog.dspins.com/fireplace-and-fire-pit-safety-keeping-warm-the-right-way)
[Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min
#### [Employee Benefits That Work for Early Childhood Education](https://blog.dspins.com/employee-benefits-that-work-for-early-childhood-education)
Running a school is hard work. Every dollar matters. Every staff member matters even more. In early childhood education, whether practiced like…
[Read More](https://blog.dspins.com/employee-benefits-that-work-for-early-childhood-education)
[Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 2 Min
#### [Carbon Monoxide Safety: Protecting Your Home and Family](https://blog.dspins.com/carbon-monoxide-safety-protecting-your-home-and-family)
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…
[Read More](https://blog.dspins.com/carbon-monoxide-safety-protecting-your-home-and-family)
[Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 1 Min
#### [WIP and CC Schedules Matter for Surety Support](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support)
In the construction industry, accurate financial reporting is more than a compliance requirement, it is the foundation of trust with surety partners.…
[Read More](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support)
[Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Commercial Lines](https://blog.dspins.com/tag/commercial-lines) 1 Min
#### [Insurance Fraud: How It Impacts Your Business](https://blog.dspins.com/insurance-fraud-how-it-impacts-your-business)
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…
[Read More](https://blog.dspins.com/insurance-fraud-how-it-impacts-your-business)
[Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 2 Min
#### [From Paycheck to Protection - Understanding Individual Disability Insurance](https://blog.dspins.com/from-paycheck-to-protection-understanding-individual-disability-insurance)
What Is Individual Disability Insurance? Disability insurance pays a portion of your income if you cannot work due to an illness or injury.…
[Read More](https://blog.dspins.com/from-paycheck-to-protection-understanding-individual-disability-insurance)
[Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 3 Min
#### [Dear Chicagoland: Stop Paying Hospital Prices for Routine Care](https://blog.dspins.com/dear-chicagoland-stop-paying-hospital-prices-for-routine-care)
If you run payroll anywhere from The Loop to Lake County, you’re paying too much for the same care your people could get safely, often better,…
[Read More](https://blog.dspins.com/dear-chicagoland-stop-paying-hospital-prices-for-routine-care)
[Laura Wywial](https://blog.dspins.com/author/laura-wywial) [Personal Insurance](https://blog.dspins.com/tag/personal-insurance) 2 Min
#### [Are You Prepared for a Power Outage](https://blog.dspins.com/are-you-prepared-for-a-power-outage)
Power outages can happen without warning, whether it's from a major storm, equipment failure, or something more unpredictable. The good news? With…
[Read More](https://blog.dspins.com/are-you-prepared-for-a-power-outage)
[2](https://blog.dspins.com/page/2) [3](https://blog.dspins.com/page/3) [4](https://blog.dspins.com/page/4) [5](https://blog.dspins.com/page/5) [6](https://blog.dspins.com/page/6)
This is a search field with an auto-suggest feature attached.
- There are no suggestions because the search field is empty.
### Category
- [Business Insurance (50)](https://blog.dspins.com/tag/business-insurance)
- [Employee Benefits (30)](https://blog.dspins.com/tag/employee-benefits)
- [Surety (16)](https://blog.dspins.com/tag/surety)
- [Safety Consulting (11)](https://blog.dspins.com/tag/safety-consulting)
- [Personal Insurance (9)](https://blog.dspins.com/tag/personal-insurance)
### Subscribe Now
### Popular Posts
[Eric Vatch](https://blog.dspins.com/author/eric-vatch) 11/05/2025 [Employee Benefits](https://blog.dspins.com/tag/employee-benefits)
[IRS Increases Health and Dependent Care FSA Limits for 2026](https://blog.dspins.com/irs-increases-health-and-dependent-care-fsa-limits-for-2026)
[Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) 09/24/2025 [Surety](https://blog.dspins.com/tag/surety)
[WIP and CC Schedules Matter for Surety Support](https://blog.dspins.com/wip-and-cc-schedules-matter-for-surety-support)
[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)
[Understanding General Agreements of Indemnity in Surety Bonds](https://blog.dspins.com/gai-surety-bonds)
- Insurance Solutions
- [Business Insurance](https://www.dspins.com/business-insurance/)
- [Insurance by Industry](https://www.dspins.com/business-insurance/insurance-by-industry/)
- [Employee Benefits](https://www.dspins.com/employee-benefits/)
- [Personal Insurance](https://www.dspins.com/personal-insurance/)
- [Explore Interactive Graphics](https://www.dspins.com/clickable-coverage/)
- [Safety Consulting](https://www.dspins.com/safety-consulting/)
- [Custom Insurance Benchmarking](https://www.dspins.com/custom-insurance-benchmarking/)
- About DSP Insurance Services
- [About Our Agency](https://www.dspins.com/about-our-agency/)
- [Meet Our Team](https://www.dspins.com/about-our-agency/meet-our-team/)
- [Read Our Reviews](https://www.dspins.com/about-our-agency/read-our-reviews/)
- [We Are Independent](https://www.dspins.com/about-our-agency/we-are-independent/)
- [Join Our Team](https://www.dspins.com/about-our-agency/join-our-team/)
- [Blog](https://www.dspins.com/blog/)
- Get Help
- [Report a Claim](https://www.dspins.com/service-center/report-a-claim/)
- [Request Auto ID Card](https://www.dspins.com/service-center/request-auto-id-card/)
- [Request a Certificate](https://www.dspins.com/service-center/request-certificate/)
- [Request a Bond](https://www.dspins.com/service-center/request-a-bond/)
- [Policy Review](https://www.dspins.com/service-center/policy-review/)
- [Request Policy Change](https://www.dspins.com/service-center/request-policy-change/)
- [Client Login](https://www.dspins.com/service-center/#client-login)
###### Contact Us
1900 E. Golf Road
Suite 650
Schaumburg, IL 60173
---
[info@dspins.com](mailto:info@dspins.com)
[847-934-6100](tel:847-934-6100)
847-934-6186 fax
[Contact Us](https://www.dspins.com/contact/)
### Experience the Value of an Independent Agency
---
Promising stability. Providing peace of mind. Caring about each client individually. This is more than what we do every day. It’s why we come in every day. Because at DSP Insurance Services, our future is yours.
We are licensed in the United States, Canada, and Mexico, as well as Europe, Asia, Australia, and around the globe.
© 2023 DSP Insurance Services | All rights reserved | [Privacy Policy](https://www.dspins.com/privacy-policy/)
World-class service and insurance solutions around the globe.
World-class service and insurance solutions around the globe.
World-class service and insurance solutions around the globe.
Insurance Solutions
847-934-6100