The Concklin Blog

There has been a dramatic increase in distracted driving related accidents in the United States because of phone and other electronic device usage — particularly among teenage drivers. This epidemic has drastically increased automobile accident rates and, unfortunately, the number of vehicular injuries and deaths.

Identity theft is a real concern for everyone. Even children as young as five months old are vulnerable, which represents a problem that will likely continue to grow. College students have a risk three times higher than others of being fraud victims. But identity theft may be an even bigger concern for seniors: Identity theft increased 25% among seniors between 2012 and 2014. While seniors may have a lower risk of identity theft than other age groups, they tend to be more vulnerable.

Does the impending arrival of spring and associated traveling bring a vacation home to mind? A vacation home is an ideal goal for many and can even be a solid investment strategy to aspire to. Part of that investment should include insurance coverage.

Running a business can come with an extensive list of day-to-day concerns from making sales and creating marketing and branding campaigns to keeping employee morale high and a hundred items in between. It can be easy to get buried in business aspects that demand your attention every day, but it’s imperative you not forget about the rare but devastating occurrences that could sink your business if you’re unprepared. One of your top priorities should be protecting your business, property, employees, and yourself from unforeseen events through restaurant or franchise insurance.

Owning a franchise restaurant or any other small business is a costly endeavor. You have your building, staff, supply costs, and more to think about. Savvy business owners are always looking for ways to streamline processes, become more efficient, and ultimately cut costs, but one place many owners fail to look at is insurance costs.

Life insurance is a term most people have heard but not something everyone takes as seriously as they should. Life insurance protects beneficiaries upon insured individuals’ deaths. Without a life insurance policy, your family members and loved ones could be left with wage losses, debts, funeral expenses, as well as other financial burdens and costs associated with your death. These added — and sometimes unexpected — costs add to emotional burdens when we lose loved ones.

As children write lists and Santa checks them twice this time of year, don’t forget the important items on your own list: your home and business! As many as 98 million people travel this time of year, so as you make Hanukkah, Christmas, Kwanzaa, and New Year’s travel plans, be sure to take the proper steps to protect your properties while you’re away.

As a franchise owner, you’re probably well-aware of the many decisions you must make and policies you must uphold to remain in compliance with the typical franchise disclosure document (FDD) or legal agreement you signed and enacted when you purchased your business. While these documents vary in depth and content, one of the key elements all FDDs include is insurance requirements.