The Concklin Blog

Are you at risk of an ADA Website Lawsuit?

ADA web icons fro disabled, visually impaired, deaf, and mute persons
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

Store front boarded up with protect graffiti
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

Lit up restaurant open sign
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

White Tub in an expensive bathroom
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.

Parking spaces resereved for restaurant pick up orders sign
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

Peson installs telematics device into car
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

computer screen displayes 2020 Goals
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

Red candels with holiday decorations
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

Dinner table set with dinner plates and glass wear
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 illustration
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?

Illustration of person weighing options for different types or workers
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.

Distracted Driving Policy

two people in moving car while driver uses cellphone to text
Does your business have a distracted driving policy? We often think of distracted driving as a personal insurance problem, however, if an incident occurs while an employee is doing their job - such as driving to meet a client, to the bank, or to make a delivery - your business might be left holding the bill. On average distracted driving costs employers $72,000 per non-fatal incidents. As an employer, it's important to create, implement and monitor a Distracted Driving Policy. Not sure where to start? Here are a few basics you can include in your policy:

How safety aware are you?

burnt out lighbulb on wood background
June is safety awareness month! Follow these tips to raise awareness of risks in your home, business and surrounding areas.

Disability Insurance Awareness

Inclusive imagery of disabled person as part of family - illustrated
Do you have a plan for the unexpected?It is estimated that nearly 4% of workers will experience short term disability lasting up to 2.5 months, and 2% of workers will experience a disability that will hamper their ability to work for 6 to 12 months every year. These may not seem like high numbers, but the reality is over 1,700,000 working age Americans have already experienced a disabling illness or injury in 20191. Plus, the average long-term disability lasts over 30 months and accounts for over half of personal bankruptcies and mortgage foreclosures 2. Yet it is a risk many people ignore.

Retention Pond Safety

Retention Pond
Retention ponds have become a common feature of suburban and urban areas.  They serve a critical purpose in water filtration and preventing flash floods during heavy down pours.  Plus, they can be a charming part of the neighborhood with plants, fountains and wildlife.  People often think of them as ponds rather than structures, and while it’s important to be cautious around both – retention ponds have unique risks you may not be aware of.

Spring & Home Safety

Wild Flowers blooming in spring
Spring is here, or at least it should be. The weather is turning warmer, albeit slowly.  Even these slightly warmer days make us want to fling our widows open and air out our homes.  It is a season of optimism with trees budding and flowers about to bloom, the promise of life is evident everywhere you look.  This can sometimes lead us to forget about the hazards that can come with spring.

World Down Syndrome Day

Illustration of differnt patterned socks
Today, March 21st, is World Down Syndrome Day. On this day, people with Down Syndrome and those who live and work with them throughout the world organize and participate in activities and events to raise public awareness and create a single global voice for advocating for the rights, inclusion and well-being of people with Down Syndrome. March 21st symbolizes the presence of a 3rd – 21st chromosome which is the cause of Trisomy 21, the most common form of Down Syndrome.

Ask an Expert – Liquor Liability Insurance

Illustration of different liquor bottles
Liquor Liability Insurance offers coverage against claims of property damage and injuries that are the result of the consumption of alcohol. Commonly this coverage is closely associated with taverns, bars, nightclubs, and restaurants that serve alcohol. However, liquor Liability Insurance is not as straight forward as you might think. So, we asked the experts.

Less Stress is the Best Valentine.

Illustration of heart beat forming a heart
It is no secret that stress is hard on the heart. It can lead to high blood pressure which, if left untreated, can result in heart disease. According to the American Heart Association, cardiovascular disease has become wide spread – effecting more than 1 in 3 women and is the leading cause of hospitalization among men. The majority of Americans list their jobs as their biggest source of stress, pointing to heavy workloads, pressure to preform, long work hours, office politics and conflicts with coworkers as the largest contributors to their stress.

Frozen Pipes

frozen Water pipe with icicles
Frozen pipes can bust, causing damage to your home or business, wrecking electronics, furniture and more. A busted pipe can be a very expensive and messy experience.

Distracted Driving – You probably do it more than you think.

Exhausted Driver behind the wheel
When we talk about distracted driving, we often think cellphones – texting, social medias, music… We all have that guilty memory of checking a text or trying to change what playlist is on.  We know these things are dangerous to do while driving, and we do them anyway, we think that because we know we are distracted we can be extra alert to compensate.  It’s simply not true. Distracted Driving is a serious problem. According to the National Safety Council (NSC), approximately 25% of all automobile crashes are related to cell phone use.  However, cell phone use is not the only form of Distracted Driving.  Driving while tired is another major problem.