Jan 19, 2021
The Concklin Blog

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.

Dec 18, 2020
The Concklin Blog

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.

Nov 10, 2020
The Concklin Blog

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.

Oct 20, 2020
The Concklin Blog

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. 

Sep 8, 2020
The Concklin Blog

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.

Aug 4, 2020
The Concklin Blog

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.

Jun 22, 2020
The Concklin Blog

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.

Jun 4, 2020
The Concklin Blog

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.

May 12, 2020
The Concklin Blog

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.