---
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.
[](https://blog.dspins.com/navigating-bonding-strategies-in-uncertain-markets)
## [Navigating Bonding Strategies in Uncertain Markets](https://blog.dspins.com/navigating-bonding-strategies-in-uncertain-markets)
Mar 31, 2025, 4:24:01 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/navigating-bonding-strategies-in-uncertain-markets#comments-listing)
Soft landing… We’ve likely all heard these words with regard to the economy and the monetary policies employed to combat inflation while avoiding a “harder” recession. Bonding strategies in uncertain markets are crucial during these times. One of those economic levers being used is interest rates. The Federal Reserve is now moving carefully as indicated by the rate hold in September, but because jobs and consumer spending data continue to be strong, further adjustments may be on the docket.
[Read More](https://blog.dspins.com/navigating-bonding-strategies-in-uncertain-markets)
[](https://blog.dspins.com/navigating-co-insurance-challenges)
## [Mastering Co-insurance to Mitigate Risks in a Hard Market](https://blog.dspins.com/navigating-co-insurance-challenges)
Mar 31, 2025, 4:23:52 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/navigating-co-insurance-challenges#comments-listing)
Most homeowners and companies know that property insurance rates are rising in this “hard” market over the past few years. Navigating co-insurance challenges shows that hard markets come with increased premiums, increased deductibles, and stricter coverage terms. Catastrophic property losses from weather events are becoming more frequent, and the dollar amounts per loss continue to rise, forcing insurance companies to re-evaluate their property insurance portfolios. At the same time, the cost to rebuild properties has increased dramatically due to rising construction costs for material and labor. Additionally, replacement costs on an insurance policy might be significantly higher than the market/retail value of the property. Now more than ever, property owners need to review their property coverage limits and make sure they are carrying adequate limits to avoid a co-insurance penalty, truly navigating co-insurance challenges.
[Read More](https://blog.dspins.com/navigating-co-insurance-challenges)
## [New OSHA 300 Recordkeeping Guide](https://blog.dspins.com/new-osha-300-recordkeeping-guide)
Mar 31, 2025, 4:23:40 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/new-osha-300-recordkeeping-guide#comments-listing)
OSHA recently released an updated recordkeeping guide that details requirements for tracking employee injury and illness in the workplace via forms 300A, 300 and 301. The new guide adds recently incorporated changes to OSHA guidelines.
It also simplifies reporting guidelines by merging the previous four OSHA reporting documents into a single guide.
[Read More](https://blog.dspins.com/new-osha-300-recordkeeping-guide)
## [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)
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[Damien Strohmier](https://blog.dspins.com/author/damien-strohmier) [Surety](https://blog.dspins.com/tag/surety) 2 Min
## [Navigating Bonding Strategies in Uncertain Markets](https://blog.dspins.com/navigating-bonding-strategies-in-uncertain-markets)
#### [Navigating Bonding Strategies in Uncertain Markets](https://blog.dspins.com/navigating-bonding-strategies-in-uncertain-markets)
Soft landing… We’ve likely all heard these words with regard to the economy and the monetary policies employed to combat inflation while avoiding a “harder” recession. Bonding strategies in uncertain markets are crucial during these times. One of those economic levers being used is interest rates.…
[Read More](https://blog.dspins.com/navigating-bonding-strategies-in-uncertain-markets)
[Mike Pohl](https://blog.dspins.com/author/mike-pohl) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min
#### [Mastering Co-insurance to Mitigate Risks in a Hard Market](https://blog.dspins.com/navigating-co-insurance-challenges)
Most homeowners and companies know that property insurance rates are rising in this “hard” market over the past few years. Navigating co-insurance…
[Read More](https://blog.dspins.com/navigating-co-insurance-challenges)
[DSP Insurance Services](https://blog.dspins.com/author/dsp-insurance-services) [Business Insurance](https://blog.dspins.com/tag/business-insurance)
#### [New OSHA 300 Recordkeeping Guide](https://blog.dspins.com/new-osha-300-recordkeeping-guide)
OSHA recently released an updated recordkeeping guide that details requirements for tracking employee injury and illness in the workplace via forms…
[Read More](https://blog.dspins.com/new-osha-300-recordkeeping-guide)
[Matt Jensen](https://blog.dspins.com/author/matt-jensen) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min
#### [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…
[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)
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#### [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…
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[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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