---
title: Insurance Insights (7)
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. (7)
---
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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.
## [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)
[](https://blog.dspins.com/level-funding-adding-predictability-to-your-self-funded-health-plan)
## [Level Funding: Adding Predictability to Your Self-Funded Health Plan](https://blog.dspins.com/level-funding-adding-predictability-to-your-self-funded-health-plan)
Mar 31, 2025, 4:19:54 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/level-funding-adding-predictability-to-your-self-funded-health-plan#comments-listing)
**Introducing Level Funding:**
[Read More](https://blog.dspins.com/level-funding-adding-predictability-to-your-self-funded-health-plan)
[](https://blog.dspins.com/pcori-fees-for-self-insured-plans)
## [PCORI Fees for Self-Insured Plans](https://blog.dspins.com/pcori-fees-for-self-insured-plans)
Mar 31, 2025, 4:19:48 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/pcori-fees-for-self-insured-plans#comments-listing)
Under the Patient Protection and Affordable Care Act (PPACA) a new fee was introduced. The Patient-Centered Outcomes Research Institute (PCORI) fees for self-insured plans are a mandatory charge due by July 31st of the year following the last day of the policy year. It’s reported on IRS Form 720.
[Read More](https://blog.dspins.com/pcori-fees-for-self-insured-plans)
[](https://blog.dspins.com/the-pfas-challenge-risk-management-in-the-age-of-strict-regulation)
## [The PFAS Challenge: Risk Management in the Age of Strict Regulation](https://blog.dspins.com/the-pfas-challenge-risk-management-in-the-age-of-strict-regulation)
Mar 31, 2025, 4:19:36 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/the-pfas-challenge-risk-management-in-the-age-of-strict-regulation#comments-listing)
Per- and polyfluoroalkyl substances (PFAS) have emerged as a significant concern due to their widespread use in consumer goods, leading to exposure to potential health and environmental hazards. The rise in PFAS-related challenges has prompted interest in comprehending their influence on insurance and claims. This article takes a closer look at PFAS regulation in the United States, discusses PFAS-related insurance matters and claims, and highlights emerging trends. We also provide strategic guidance for businesses to manage risks associated with PFAS.
[Read More](https://blog.dspins.com/the-pfas-challenge-risk-management-in-the-age-of-strict-regulation)
## [National Cybersecurity Awareness Month 2022](https://blog.dspins.com/national-cybersecurity-awareness-month-2022)
Mar 31, 2025, 4:19:19 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/national-cybersecurity-awareness-month-2022#comments-listing)
October is National Cybersecurity Awareness Month. During this annual event, government and industry leaders come together to raise awareness about the importance of cybersecurity.
[Read More](https://blog.dspins.com/national-cybersecurity-awareness-month-2022)
[](https://blog.dspins.com/ai-in-insurance)
## [AI in Insurance](https://blog.dspins.com/ai-in-insurance)
Mar 31, 2025, 4:19:11 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/ai-in-insurance#comments-listing)
Artificial intelligence, or AI, is transforming the insurance industry, leading the way in revolutionizing tasks that were traditionally performed by humans, such as visual perception, speech recognition, decision making, and language translation. Virtual assistants such as Alexa and Siri are familiar examples of how artificial intelligence (AI) is used in everyday life, capable of performing tasks like calling a contact, setting an alarm, or playing a song through simple voice commands. By utilizing AI in Insurance, the industry is witnessing a profound transformation, leveraging technology to meet evolving customer needs and redefine the standards of service and efficiency.
[Read More](https://blog.dspins.com/ai-in-insurance)
[](https://blog.dspins.com/personal-do-insurance)
## [Why Directors and Officers Need Personal D&O Insurance](https://blog.dspins.com/personal-do-insurance)
Mar 31, 2025, 4:19:04 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/personal-do-insurance#comments-listing)
Most organizations recognize the vital role directors and officers play in steering their companies toward success. With this responsibility comes significant risk, making Directors and Officers (D&O) insurance an essential safeguard. D&O coverage comes in many shapes and sizes depending on the number of companies, boards, and activities that executives are involved in. Here, we’ll explore the key aspects of D&O insurance and discuss why personal D&O insurance is crucial, especially for those serving on multiple boards.
[Read More](https://blog.dspins.com/personal-do-insurance)
[](https://blog.dspins.com/utilizing-the-sba-surety-bond-program)
## [Utilizing the SBA Surety Bond Program](https://blog.dspins.com/utilizing-the-sba-surety-bond-program)
Mar 31, 2025, 4:18:54 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/utilizing-the-sba-surety-bond-program#comments-listing)
With bonded work on the horizon for a new or growing company, owners may be wondering how they can get started and what programs are available for these initial bond needs, especially regarding surety bonds for contractors.
[Read More](https://blog.dspins.com/utilizing-the-sba-surety-bond-program)
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## [Directors and Officers Insurance Guide](https://blog.dspins.com/directors-and-officers-insurance-guide)
#### [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, 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…
[Read More](https://blog.dspins.com/directors-and-officers-insurance-guide)
[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…
[Read More](https://blog.dspins.com/2024-ncci-changes-and-the-impact-on-workers-comp-premiums)
[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…
[Read More](https://blog.dspins.com/prioritizing-safety-and-efficiency-with-forklift-operator-training)
[Eric Vatch](https://blog.dspins.com/author/eric-vatch) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min
#### [Level Funding: Adding Predictability to Your Self-Funded Health Plan](https://blog.dspins.com/level-funding-adding-predictability-to-your-self-funded-health-plan)
Introducing Level Funding:
[Read More](https://blog.dspins.com/level-funding-adding-predictability-to-your-self-funded-health-plan)
[Blake Erickson](https://blog.dspins.com/author/blake-erickson) [Employee Benefits](https://blog.dspins.com/tag/employee-benefits) 1 Min
#### [PCORI Fees for Self-Insured Plans](https://blog.dspins.com/pcori-fees-for-self-insured-plans)
Under the Patient Protection and Affordable Care Act (PPACA) a new fee was introduced. The Patient-Centered Outcomes Research Institute (PCORI) fees…
[Read More](https://blog.dspins.com/pcori-fees-for-self-insured-plans)
[Taylor Virgil](https://blog.dspins.com/author/taylor-virgil) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 2 Min
#### [The PFAS Challenge: Risk Management in the Age of Strict Regulation](https://blog.dspins.com/the-pfas-challenge-risk-management-in-the-age-of-strict-regulation)
Per- and polyfluoroalkyl substances (PFAS) have emerged as a significant concern due to their widespread use in consumer goods, leading to exposure…
[Read More](https://blog.dspins.com/the-pfas-challenge-risk-management-in-the-age-of-strict-regulation)
[Matt Jensen](https://blog.dspins.com/author/matt-jensen) [Business Insurance](https://blog.dspins.com/tag/business-insurance) 1 Min
#### [National Cybersecurity Awareness Month 2022](https://blog.dspins.com/national-cybersecurity-awareness-month-2022)
October is National Cybersecurity Awareness Month. During this annual event, government and industry leaders come together to raise awareness about…
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