The Concklin Blog

Looking to buy a new home? Don’t forget the sump pump! This is one risk you don't want to miss.

Buying a new home is an exciting stage in your life, and there is a lot that goes into it. The ideal home will be perfect from the ground up – but don’t forget what is below ground. Having a properly installed and maintained sump pump is your first defense against water escaping from sewers and drains, such as toilets, within the residence. This type of water backup is more common in areas where:

COVID – A Year of change for Restaurants

March 2020 saw a wave of disruption strike the restaurant and hospitality industry like nothing we could have predicted. Government mandated shutdowns, followed by strict capacity restrictions, and a constantly changing sea of guidelines have left restaurant owners scrambling.As we move through March 2021, we look back at some of the most innovative ways restaurant owners have managed to keep their businesses open and prospering.

Commercial Vehicle Telematics

Commercial Vehicle Telematics is a great way to monitor and improve your fleet’s driving habits and reduce vehicular accidents. The number of accidents involving commercially used vehicles continues to trend upwards and is a great concern in the insurance industry, impacting rates and availability of insurance in some industries. Similar to Personal Vehicle Telematics, commercial vehicle telematics provides insights on the vehicles speed, acceleration, hard breaking, and location/route. Depending on which telematics program is deployed other metrics may also be available, such as swerving, or frequent lane changing.

Is a Short-Term Health Insurance Policy right for you?

The phrase Short-Term Health Insurance is both accurate, as it this policy only provide coverage for a short time, and a bit confusing since it implies that it is a shorter version of Long-Term Health – which isn’t exactly accurate. Long-Term Health Insurance, often called Major Medical Insurance, is renewable and offers comprehensive coverage options designed for people to keep the same policy for many years. These plans are medically underwritten, which could require you to answer health questions to determine eligibility. Short-Term Health Insurance, also called Temporary Health Insurance, typically provide coverage for one year or less, and are not meant to be renewed. However, this is not the only difference between long-term and short-term plans.

Liquor Liability and Curbside Pickup

Serving alcohol, and thus Liquor Liability Insurance, has been a common feature for many restaurants, bars, and catering companies for decades, causing this coverage to often be a simple renewal year after year. However, many establishments are finding new ways of serving their customers, primarily through pickup and delivery options, making a review of liquor liability a necessity.

Professional Liability versus Management Liability

The Difference Between Professional Liability and Management Liability Insurance As a business owner you understand the importance of protecting your company, your employees, and yourself.  This often means going beyond a simple Business Owners Policy.  While Professional Liability and Management Liability may sound similar, they are unique coverages, and depending on your industry you may need one or both types of policies.

Keep your garage safe!

With autumn settling in, now is a great time to evaluate the hazards in your garage.  According to U.S Fire Administration, each year there are 6,600 garage fires in homes. These fires tend to spread farther, go undetected longer, and lead to more injuries and property loss than fires originating in any other part of your home. Most garage fires occur in winter so now is the time to focus on prevention. 

Restaurant Operators: Be Proactive about loss control

Restaurant Operators: Be Proactive about loss control before your next inspection: Risk manager inspections are typically ordered by Insurance Companies and often happen when a new policy is written or on a fixed schedule. Any concerns identified by a risk manager inspection should be addressed by the business promptly, as they could cause higher premium costs, or even risk coverage being revoked if not corrected. By proactively addressing any concerns that may arise during an inspection, policyholders can feel confident in their operations.

Understanding your commercial property rating and underwriting

Understanding the factors that impact your commercial property can seem overwhelming.  Here we have broken down the key characteristics underwriters review when determining insurance rates.

Homeowners Insurance vs Home Warranties

As we move through summer towards fall your air conditioner has likely been working on overdrive to beat the heat. Having it quit now can be devastating as sweltering summer nights make sleeping more difficult. Many people might be disappointed to learn that their homeowner’s insurance may not cover the repair cost.

Are you at risk of an ADA Website Lawsuit?

While ADA lawsuits previously focused on physical access barriers to businesses, in the past few years they have shifted to include cyberspace as well. Lawsuits alleging inaccessible websites and mobile apps accounted for at least a fifth of the total number of ADA Title III lawsuits filed in federal courts in 2019.  With the Supreme Court declining to review the Robles v. Domino’s case, small businesses in the United States continue to be without formal federal guidance on how to make their websites compliant.

Civil Unrest

Protecting yourself, your employees, your customers and your business during civil unrest.  “I think that you will all agree that we are living in most interesting times. (Hear, hear.) I never remember myself a time in which our history was so full, in which day by day brought us new objects of interest, and, let me say also, new objects for anxiety. (Hear, hear.)” – Joseph Chamberlin; 1898  2020 has certainly brought us “interesting times” as we continue to navigate the far-reaching effects of the COVID-19 crisis and now the civil unrest following in the wake of the George Floyd and Black Lives Matter protests. Business owners continue to face new anxieties over an uncertain future.  Civil unrest creates unique challenges for businesses.  Vandalism, stolen or damaged goods, and extensive property damage are just some of the concerns business owners face.  There must also be consideration for the safety of employees, customers and themselves.  With this in mind it is crucial to take steps to mitigate the potential damages and risks to your business during times of unrest.

Considerations to make your restaurant patrons feel safe

As a restaurant operator you know the importance of keeping your establishment clean.  You regularly disinfect surfaces and food-prep areas to avoid contamination and the spread of germs and have hand washing policies in place.  However, with the rise of the novel virus COVID-19 you may be wondering how you can make your patrons feel safe in your establishment. 

Water Damage: an increasing risk to high net-worth homes

When you think of the top causes of home damage what comes to mind? Fire, hurricanes, extreme weather? Chances are water damage isn’t very high on your list of concerns. However, water damage comes in with a staggeringly high frequency of reported claims, just after hail, making it the 2nd most reported cause of loss.  It also peaks the top 3 for severity of damage and is in 1st place for single largest payouts.

Ideas for small business during the corona virus crisis.

Social distancing is a great way to help slow the spread of the corona virus.  Unfortunately, it can have a great impact on local businesses also as people choose to self-quarantine rather than going out to shop, eat, and socialize. Here are some ways you can help entice customers to your small business:

What are Vehicle Telematics

Many auto insurance providers offer vehicle telematics that offer you feedback on your driving habits, and many offer discounts based on the data collected.  This is often achieved with a small device you keep in the vehicle, or even an app on your mobile phone.  Using this vehicle telematics, data is collected and reviewed regarding:

Insurance Resolutions

Every year millions of people make resolutions at the beginning of the year of ways they are going to improve their lives. Commonly these revolve around diet, exercise, business and lifestyle. While we are big supporters of all positive change, adding a few Insurance Resolutions to the list is a smart choice. Here are 5 Insurance Resolutions to observe in 2020.

A Happy Holiday starts with Safety

The Holidays are a time when friends and family come together in celebration. Memories are made that last a lifetime. Help make sure those memories are joyful by following these simple safety tips:

Food Safety - A Successful Dinner Party starts with safely prepared food.

When family and friends get together food is almost always a must have. It nourishes our bodies, delights our pallets, and brings us together.  But food is not without its risks.  It's easy to get frazzled with all the planning that goes into hosting a dinner.  Here are some tips to help keep everyone safe and healthy at your next food-centric event.

What is Pay-as-you-go Workers’ Compensation?

Payment and Billing Options
Each Insurance Carrier seems to give it a different name, but the core of pay-as-you-go Workers’ Compensation remains essentially the same. So, what is it exactly?

Independent Contractor or Employee - What's the difference?

Mistaking an employee for an independent contractor could be a costly mistake – and it’s not exactly up to you to decide. Whether an individual is an employee or independent contractor will depend on the facts and circumstances of the situation, not the label used by the employer. Since employees are, in general, more expensive to hire due to employee benefits, and unemployment compensation contributions, there is preference for employers to misclassify employees as independent contractors.