Dec 20, 2018
The Concklin Blog

Can you be held personally responsible for a Data Breach at your company?

If you are a Director or Officer, you could be

As a Director or Officer of your company you are open to litigation risks due to the decisions you make to influence the company.  How you choose to respond after a Data Breach and how you have influenced Cyber Security measures within your company could lead you to be held personally responsible for damages following a breach.  The acts you commit as a board member, including plans and decisions need to be protected.

Dec 10, 2018
The Concklin Blog

Lone Workers – a rising demographic with unique risks.

What is a Lone Worker?

Lone workers are classified as any person whose work is completed in isolation from other workers. They do not have direct supervision and are expected to fulfill their duties efficiently while adapting to any unforeseen circumstances and are generally expected to use their best judgement. With the increase in technology and automation the number of lone workers is rapidly increasing.  There are many industries in which employees may find themselves working alone, either on location, out in the field, or at home. This leaves great potential for safety concerns.

Nov 9, 2018
The Concklin Blog

Open Enrollment – Quick Tips

The Open Enrollment for 2019 Marketplace plans began November 1st, 2018 and will close December 15th 2018.  All plans purchased during this time will go into effect on January 1st, 2019.

Many people find the process of enrolling on the Marketplace to be both intimidating and frustrating. 

Oct 26, 2018
The Concklin Blog

Winter Weather Liabilities

Winter is more than cold weather, snow and hot cider – it’s also winter storms and ice, which means potential hazards and costly liabilities. If you deal with either commercial or residential property it is important to know what side effects of winter you are responsible for.

Oct 25, 2018
The Concklin Blog

5 Tips for Purchasing Investment Property Insurance

A wise way for homeowners to make additional income is to invest in properties to rent, manage, or renovate and sell. But without the right kind of insurance, these properties could potentially lead to lawsuits that could put homeowners’ other properties and assets on the line.

Oct 11, 2018
The Concklin Blog

Is an Umbrella Insurance Policy Right for You?

One major lawsuit can have the potential to drain a bank account and leave those involved with nothing — even if the incident was a complete accident. Therefore, nearly every state requires drivers to carry auto liability insurance and many protect their property with homeowners liability insurance. However, basic coverage might not be enough in certain situations.

Sep 27, 2018
The Concklin Blog

3 Must-Haves on Your Auto Insurance — and 3 Should-Haves

Most of us rely on our vehicles to get to work, the store, and to social engagements every day. Because of this reliance, it’s important to get the insurance coverage you need to protect both yourself and your vehicle in case of an accident. Automobile accidents can cost thousands of dollars of property damage and bodily injuries — and that might just be to one driver!

Sep 13, 2018
The Concklin Blog

6 Traits to Look For When Choosing an Insurance Provider

Insurance is a necessity in today’s world. One car accident, fire, or other disaster could leave you paying hundreds of thousands of dollars in damages, legal fees, or hospital bills. Because of this critical need to protect yourself, your family, and your assets, you’ll want to select a great insurance plan.

Aug 30, 2018
The Concklin Blog

What’s the Difference Between ‘Replacement Cost’ and ‘Actual Cash Value’ Insurance Policies?

The worst has happened: Someone stole your car and stripped it to pieces! Now, all you’ve got left are fond memories of your slick ride and an insurance policy claim to file. All you want to do is put this whole ordeal behind you, buy a new car, and never look back. But will your insurance payout cover the cost of that same car? Understanding “replacement cost” versus “actual cash value” when it comes to your policies is important.

Aug 16, 2018
The Concklin Blog

Vehicle Telematics: Myths, Facts, and Benefits Every Driver Should Know

Insurance companies have used vehicle telematics for about two decades now as a way to bring more transparency and accountability to auto policyholders. Telematics are most commonly associated with the little modules that plug into your car’s Onboard Diagnostics Port (OBD-II), which relay driving data to insurance providers. Today, many insurance companies offer plug-and-play solutions and even apps that eliminate the need for modules altogether.