The Concklin Blog

As a pet owner, you undoubtedly care deeply about the health and well-being of your furry friend. And just like people, pets can fall ill or get injured unexpectedly, resulting in costly veterinary bills. This is where pet medical insurance comes in, providing peace of mind and financial protection for you and your pet

A return-to-work program is a system designed to support injured employees by providing them with modified work duties that are tailored to their injury. These programs are intended to help employees ease back into their regular work responsibilities, which can help speed up their recovery process and make the return to work experience a positive one. Job modifications are developed and implemented based on the injured employee’s limitations, restrictions, functional capacity, and physical capabilities.

Owning a classic car is a passion for many car enthusiasts. These vehicles are often treasured possessions and are worth protecting. Having the right insurance coverage is vital to that protection. Here are some tips and recommendations for insuring your classic car.

Auto insurance is a crucial part of responsible car ownership. It helps protect you financially in the event of an accident, theft, or damage to your vehicle. However, many drivers are surprised to learn that their personal auto policy may not cover everything they assumed it would. Here are some surprising things not covered by personal auto policies.

Employee dishonesty and theft is an uncomfortable topic.  No one wants to consider that their employees are stealing from them; however, the truth is that employee theft is more common than you might think. It is estimated Quick Service Restaurants (QSR) lose up to 7% of sales to employee theft.

It is important for homeowners to recognize that typical homeowner's insurance policies do not provide coverage for earthquakes. To protect your home and belongings from earthquake damage, you will need to purchase either a supplemental policy or a separate earthquake insurance policy.

Work-related vehicle accidents are a major concern for millions of employees who drive or ride as part of their job. In the United States, these crashes are the number one cause of fatalities in the workplace. Regardless of the type of vehicle driven all workers face the risk of motor vehicle accidents. Ensuring the safety of commercial drivers and their vehicles is a vital aspect of Risk Management for any company that operates commercial vehicles. A comprehensive approach to safety requires a dual strategy. One focuses on the driver's background and behavior, while the other prioritizes the upkeep and security of the vehicle.

Universal life insurance and whole life insurance are both types of permanent life insurance, which means that they provide coverage for the entirety of the policyholder's life. However, there are some key differences between the two types of insurance.

Getting an insurance review annually is an important part of managing your insurance coverage and ensuring that you have the protection you need. Life changes and your insurance needs can evolve over time, so it's important to review your insurance policies on a regular basis to make sure that you are still adequately covered.

Frozen pipes can be a major problem for homeowners, particularly during the colder months of the year. When water inside a pipe freezes, it expands, which can cause the pipe to burst and result in significant water damage to a home. There are several factors that can contribute to the formation of frozen pipes. One of the most common is a lack of insulation in the home's plumbing. Pipes that are located in unheated areas of the home, such as basements or crawl spaces, are more likely to freeze. Cold outdoor temperatures and strong winds can also contribute to the formation of frozen pipes.

A restaurant closing checklist is a list of tasks, to be completed by restaurant staff at the end of the workday.  You can provide this checklist either as a printed list, or as a digital form that can be completed and submitted. While many closing checklists focus on the cleanliness of the restaurant, a few items should be included to help prevent fires and other insurance claims from occurring.

If you are in the market to buy a new home, you should reach out to your independent insurance agent to discuss any property you are seriously considering purchasing. Here are some ways your insurance agent can help you during the search for a new home:

Employment Practices Liability Insurance (EPLI) offers protection against lawsuits arising from current, prospective, or former employees who make claims of wrongful acts, including wrongful termination, sexual harassment, or discrimination. A wrongful employment practice claim, even when false can damage your reputation and lead to financial damages.  If you have employees, it is strongly encouraged that you should carry EPLI.

Homeowners’ insurance is a package policy combine property insurance and liability insurance into one policy.  Most standard policies include four types of coverage: Structure, Personal Property, Liability and Loss of Use / Additional Living Expense. Additional coverage and limits can be added to your policy depending on your unique needs.

Every state has minimum car insurance requirements (the amount of coverage you need to be legally insured) and generally, you need to have this coverage to drive your car. For example, Illinois requires you have liability insurance in the following minimum amounts:

When we think about general liability we think of bodily harm or property damage resulting from accidents, such as slip and falls.  However, General Liability goes much further for restaurant owners with product liability – often called Products and Completed Operations Coverage. 

Either you or your insurance company can decide not to renew your policy when it expires.  This can come as a shock when it is the company that decides to non-renew – especially if you have paid your premium on time and have had no claims. It is important to understand that a non-renew is different than a cancellation.

When it comes to Worker’s Compensation polices many business owners only look at one number – the premium quoted. Yet taking a deeper look into how your premium is calculated can provide valuable insights on ways to lower your premium in the future.

We don’t often think about what is going on underground.  Out of sight – out of mind.  But there is a lot going on down there. As a homeowner you are responsible for maintaining the service lines from your home to your property line – and a standard homeowner’s policy does not include cover service line damage.  This means you could find yourself responsible for potentially thousands of dollars in repairs.

Coverage limits are the max amount an insurance policy will pay out in the event of a covered loss. When we are talking about the structure of your home, we are referring to Dwelling Coverage, or Coverage A in your homeowner’s policy. In the event of a complete loss, such as if your home burns down or is hit by a tornado, you’ll want these limits to be high enough to cover the costs of rebuilding your home.

Many restaurants are offering outdoor dining options on sidewalks, in adjacent open spaces, and in their own parking lots. Offering outdoor dining options at your restaurant comes with risk – here are the top 4 risks you should consider when opening an outdoor area.