Innovative by Nature. Independent by Choice.

Meet a partner who’s built to scale with you. At OVD Insurance, our expertise and independence allow us to design solutions as unique as the risks you face.

ABOUT OVD

Strategic Partners 
at Every Stage

We meet you exactly where you stand today so you can prepare for what’s next. As innovative thinkers and expert advisors, we’re the steady partner you can count on for custom strategies that match your pace and protect your progress.

At OVD, we know that standard coverage wasn't built for your reality. That’s why we design services that are sophisticated enough to handle your most complex risks.

Business Insurance

Prepare for the unpredictable with a strategy that’s built to endure.

Employee Benefits

Create a benefits package that works for your team and your bottom line.

Risk
Solutions

Eliminate the what-ifs with strategies designed to protect your future.

Personal
Insurance

Find peace of mind with curated coverage that honors your values and lifestyle.

Real-Life Resources for Real-World Risk

Discover insights, case studies, and events ​​that help you make smarter decisions about your coverage, your business, and your future.

INDUSTRIES SERVED

Made for Your Market

Industry-specific challenges require more than a general perspective. Our teams have spent decades working alongside leaders in Construction, Manufacturing, Healthcare, and more to master the unique realities of their businesses. We’re ready to do the same for yours.

Recent Insights

OSHA Clarifies Recordkeeping Rules for Injuries Involving Personal Lithium-Ion Batteries

On January 20, 2026, the U.S. Occupational Safety and Health Administration (OSHA) issued a formal interpretation addressing whether injuries caused by personal rechargeable lithium-ion batteries brought into the workplace must be recorded on the OSHA 300 Log. There are several key takeaways listed below:

Toolbox Talks: A Simple Way to Strengthen Safety on Construction Jobsites

Around 90% of companies in the construction industry employ 20 or fewer employees. This can make it very difficult to ensure that employees are receiving the proper safety training, since resources like time and money are often limited. Those tasked with safety compliance usually have other responsibilities, making it hard for them to dedicate the necessary time to safety. However, one easy step that can be taken is the implementation of toolbox talks

How Direct‑to‑Consumer Drug Models Could Impact Employers

The pharmaceutical industry is entering a major transformation driven by two federal pricing reforms: the Inflation Reduction Act (IRA) and new Most Favored Nation (MFN) pricing initiatives signed in 2025. These changes will allow Medicare to negotiate lower prices on many high‑cost medications and tie U.S. drug prices more closely to those in other developed countries. As manufacturers face reduced margins and increasing pressure for price transparency, many are turning to a new strategy: selling medications directly to consumers at cash prices. While this trend is largely aimed at patients, it’s poised to have ripple effects on employer-sponsored health plans.

OVD Shareholder Announcement

OVD is thrilled to announce the addition of four new shareholders: Jordan Shillinger, Kyle Teeples, Sean Teeples, and Steve Binnig as well as expanded positions for current shareholders Jonathan Broyles, Rebekah Van Beek, and Will Collins

Construction First Aid Kits

The construction industry has one of the highest injury and fatality rates of any industry. This is one of the reasons that construction sites are legally required to have a well-stocked first aid kit on hand. However, the standards can be vague and don’t always give specific guidance on what should be in the kit. Below, we’ve broken down both the standards governing these kits, and the meaning behind the classification and type, to help provide some clarity on an issue that every construction company deals with.

GLP-1 Pill: What Employers Need to Know About Costs, Coverage, and Outcomes

The GLP-1 race is stepping to the next level, and in late December, the FDA approved the first GLP-1 pill from Novo Nordisk for weight loss and maintenance. This Wegovy (semaglutide) pill just recently hit the shelves, with competitor versions, like those from Eli Lilly, soon to follow.

2026 IRS Benefit Updates - Key Highlights

The IRS has released its 2026 benefit updates, bringing several contribution limit increases and compliance considerations for employers. Below is a snapshot of the most important changes HR and benefits teams should review to ensure plans, payroll, and employee communications are aligned for the year.

Winter Storm Preparedness: Severe Snow and Ice

Recent forecasts indicate a major winter storm is expected to sweep across a vast portion of the central and eastern U.S. this weekend, bringing with it heavy snow, sleet, freezing rain, and dangerously cold conditions. Ice accumulations and snow can create slippery travel conditions, downed power lines, infrastructure stress, and business interruptions, all of which increase liability and operational risk.

2026 Regulatory Checklist

With a full list of regulatory benchmarks to meet, we’re here to help. Below is a curated list of key deadlines and reminders covering everything from OSHA to general workforce compliance requirements. Be sure to review any applicable local or state regulations, as deadlines and obligations may vary. If you have questions about any of these benchmarks, please reach out to your OVD advisor for guidance.