---
title: Insurance Insights (6)
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. (6)
---
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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.
## [DOL Proposes New Independent Contractor Classification Rule](https://blog.dspins.com/dol-proposes-new-independent-contractor-classification-rule)
Mar 31, 2025, 4:23:24 PM / by [Matt Jensen](https://blog.dspins.com/author/matt-jensen) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/dol-proposes-new-independent-contractor-classification-rule#comments-listing)
On Oct. 11, 2022, the U.S. Department of Labor (DOL) announced a proposed rule to rescind and replace its 2021 independent contractor classification rule under the Fair Labor Standards Act (FLSA). The proposal is scheduled for publication in the Federal Register on Oct. 13, 2022. Comments on the proposal must be submitted within 45 days of the publication date.
[Read More](https://blog.dspins.com/dol-proposes-new-independent-contractor-classification-rule)
[](https://blog.dspins.com/mastering-todays-commercial-insurance-market)
## [Mastering Today’s Commercial Insurance Market](https://blog.dspins.com/mastering-todays-commercial-insurance-market)
Mar 31, 2025, 4:23:17 PM / by [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/mastering-todays-commercial-insurance-market#comments-listing)
**A Complex Market**
[Read More](https://blog.dspins.com/mastering-todays-commercial-insurance-market)
[](https://blog.dspins.com/navigating-the-cell-phone-auto-insurance-impact)
## [Navigating the Cell Phone Auto Insurance Impact](https://blog.dspins.com/navigating-the-cell-phone-auto-insurance-impact)
Mar 31, 2025, 4:23:08 PM / by [Donna Eckert](https://blog.dspins.com/author/donna-eckert) posted in [Personal Insurance](https://blog.dspins.com/topic/personal-insurance)
[0 Comments](https://blog.dspins.com/navigating-the-cell-phone-auto-insurance-impact#comments-listing)
In today’s fast-paced world, cell phones have almost become an extension of ourselves, bringing a wealth of information and connectivity to our fingertips. However, this constant connection introduces new challenges, especially on the road. The cell phone auto insurance impact is a significant concern for insurers, highlighting how modern communication tools intersect with road safety. This blog post delves into how cell phone usage while driving not only poses risks to personal safety but also affects auto insurance in various ways. Importantly, it is illegal to text and drive in many jurisdictions, emphasizing the legal consequences alongside the safety and insurance implications.
[Read More](https://blog.dspins.com/navigating-the-cell-phone-auto-insurance-impact)
[](https://blog.dspins.com/flexible-healthcare-funding)
## [Mastering ICHRA Benefits](https://blog.dspins.com/flexible-healthcare-funding)
Mar 31, 2025, 4:22:58 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/flexible-healthcare-funding#comments-listing)
**Introduction to ICHRAs**
[Read More](https://blog.dspins.com/flexible-healthcare-funding)
## [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)
[](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance)
## [Common Misconceptions About General Liability Insurance](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance)
Mar 31, 2025, 4:21:28 PM / by [Desiree Morris](https://blog.dspins.com/author/desiree-morris) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance#comments-listing)
When it comes to general liability insurance, a lot of business owners think they’re covered for everything, but that’s not always the case. Let’s clear up some general liability misconceptions to help you understand what this policy really does—and doesn’t—cover.
[Read More](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance)
[](https://blog.dspins.com/irs-employee-retention-credits-audits-and-risk-to-your-claim)
## [IRS Employee Retention Credits Audits and Risk to Your Claim](https://blog.dspins.com/irs-employee-retention-credits-audits-and-risk-to-your-claim)
Mar 31, 2025, 4:20:22 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/irs-employee-retention-credits-audits-and-risk-to-your-claim#comments-listing)
Employee Retention Credit (ERC) claims by employers are once again being processed by the IRS after a moratorium period for any credits filed after September 14, 2023. During this period, the IRS performed a large study on a group of ERC claims to help determine the next steps on remaining claims and essentially develop an audit strategy for filed claims and ERC audit risks.
[Read More](https://blog.dspins.com/irs-employee-retention-credits-audits-and-risk-to-your-claim)
## [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/2024-ncci-changes-and-the-impact-on-workers-comp-premiums)
## [2024 NCCI Changes and the Impact on Workers’ Comp Premiums](https://blog.dspins.com/2024-ncci-changes-and-the-impact-on-workers-comp-premiums)
Mar 31, 2025, 4:20:08 PM / by [Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) posted in [Business Insurance](https://blog.dspins.com/topic/business-insurance)
[0 Comments](https://blog.dspins.com/2024-ncci-changes-and-the-impact-on-workers-comp-premiums#comments-listing)
On November 1, 2023, the National Council on Compensation Insurance (NCCI) is making significant changes to the rating system for Experience Modification Ratings (EMR) for workers’ compensation coverage. These changes are important to understand as they have an impact on how the mod is calculated and your resulting workers compensation insurance premiums.
[Read More](https://blog.dspins.com/2024-ncci-changes-and-the-impact-on-workers-comp-premiums)
[](https://blog.dspins.com/prioritizing-safety-and-efficiency-with-forklift-operator-training)
## [Prioritizing Safety and Efficiency with Forklift Operator Training](https://blog.dspins.com/prioritizing-safety-and-efficiency-with-forklift-operator-training)
Mar 31, 2025, 4:20:01 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/prioritizing-safety-and-efficiency-with-forklift-operator-training#comments-listing)
In the bustling world of warehouses, construction sites, and manufacturing facilities, forklifts are indispensable tools. They enhance productivity by moving heavy loads quickly and efficiently. However, with great power comes great responsibility. Improper use of forklifts can lead to accidents, injuries, and significant damage. That’s why forklift training benefits are not just a formality—it’s a critical component of workplace safety and efficiency.
[Read More](https://blog.dspins.com/prioritizing-safety-and-efficiency-with-forklift-operator-training)
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## [DOL Proposes New Independent Contractor Classification Rule](https://blog.dspins.com/dol-proposes-new-independent-contractor-classification-rule)
#### [DOL Proposes New Independent Contractor Classification Rule](https://blog.dspins.com/dol-proposes-new-independent-contractor-classification-rule)
On Oct. 11, 2022, the U.S. Department of Labor (DOL) announced a proposed rule to rescind and replace its 2021 independent contractor classification rule under the Fair Labor Standards Act (FLSA). The proposal is scheduled for publication in the Federal Register on Oct. 13, 2022. Comments on the…
[Read More](https://blog.dspins.com/dol-proposes-new-independent-contractor-classification-rule)
[Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min
#### [Mastering Today’s Commercial Insurance Market](https://blog.dspins.com/mastering-todays-commercial-insurance-market)
A Complex Market
[Read More](https://blog.dspins.com/mastering-todays-commercial-insurance-market)
[Donna Eckert](https://blog.dspins.com/author/donna-eckert) [Personal Insurance](https://blog.dspins.com/tag/personal-insurance) 2 Min
#### [Navigating the Cell Phone Auto Insurance Impact](https://blog.dspins.com/navigating-the-cell-phone-auto-insurance-impact)
In today’s fast-paced world, cell phones have almost become an extension of ourselves, bringing a wealth of information and connectivity to our…
[Read More](https://blog.dspins.com/navigating-the-cell-phone-auto-insurance-impact)
[Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min
#### [Mastering ICHRA Benefits](https://blog.dspins.com/flexible-healthcare-funding)
Introduction to ICHRAs
[Read More](https://blog.dspins.com/flexible-healthcare-funding)
[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.
[Read More](https://blog.dspins.com/us-pc-insurers-see-net-underwriting-loss-of-5-6-billion)
[Desiree Morris](https://blog.dspins.com/author/desiree-morris) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min
#### [Common Misconceptions About General Liability Insurance](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance)
When it comes to general liability insurance, a lot of business owners think they’re covered for everything, but that’s not always the case. Let’s…
[Read More](https://blog.dspins.com/common-misconceptions-about-general-liability-insurance)
[Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min
#### [IRS Employee Retention Credits Audits and Risk to Your Claim](https://blog.dspins.com/irs-employee-retention-credits-audits-and-risk-to-your-claim)
Employee Retention Credit (ERC) claims by employers are once again being processed by the IRS after a moratorium period for any credits filed after…
[Read More](https://blog.dspins.com/irs-employee-retention-credits-audits-and-risk-to-your-claim)
[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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[Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance)
#### [2024 NCCI Changes and the Impact on Workers’ Comp Premiums](https://blog.dspins.com/2024-ncci-changes-and-the-impact-on-workers-comp-premiums)
On November 1, 2023, the National Council on Compensation Insurance (NCCI) is making significant changes to the rating system for Experience…
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[Steve Stetson](https://blog.dspins.com/author/steve-stetson) [Safety Consulting](https://blog.dspins.com/tag/safety-consulting) 3 Min
#### [Prioritizing Safety and Efficiency with Forklift Operator Training](https://blog.dspins.com/prioritizing-safety-and-efficiency-with-forklift-operator-training)
In the bustling world of warehouses, construction sites, and manufacturing facilities, forklifts are indispensable tools. They enhance productivity…
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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)
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[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)
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