--- title: The Concklin Blog description: Learn about different types of insurance, risk management strategies, and loss prevention tips --- [Skip to content](https://blog.concklin.com#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team **](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** ****[630-268-1600](tel:+16302681600)**** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- # The Concklin Blog This is a search field with an auto-suggest feature attached. - There are no suggestions because the search field is empty. Select Category Auto Insurance Business Insurance Cyber Liability Flood Insurance Health Insurance Homeowners Insider Insurance 101 Jersey Mike's Life Insurance Personal Lines Insurance Restaurant and Hospitality Risk Mitigation Safety Tips [![When the Walk-In Freezer Goes Down: Understanding Food Spoilage and Time Deductibles](https://blog.concklin.com/hubfs/When%20the%20Walk-In%20Freezer%20Goes%20Down%20Understanding%20Food%20Spoilage%20and%20Time%20Deductibles.jpg)](https://blog.concklin.com/when-the-walk-in-freezer-goes-down-food-spoilage-and-time-deductibles) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Restaurant and Hospitality](https://blog.concklin.com/tag/restaurant-and-hospitality), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [When the Walk-In Freezer Goes Down: Food Spoilage and Time Deductibles](https://blog.concklin.com/when-the-walk-in-freezer-goes-down-food-spoilage-and-time-deductibles) A walk-in freezer can fail without much warning, whether because of a problem with the equipment its... [Read more](https://blog.concklin.com/when-the-walk-in-freezer-goes-down-food-spoilage-and-time-deductibles) [![](https://blog.concklin.com/hubfs/When%20a%20Deer%20Causes%20an%20Accident%20Understanding%20Your%20Auto%20Insurance.png)](https://blog.concklin.com/when-a-deer-causes-an-accident-understanding-your-auto-insurance) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Safety Tips](https://blog.concklin.com/tag/safety-tips), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [When a Deer Causes an Accident: Understanding Your Auto Insurance](https://blog.concklin.com/when-a-deer-causes-an-accident-understanding-your-auto-insurance) Deer collisions become a greater concern for drivers in the fall, especially in areas with wooded ro... [Read more](https://blog.concklin.com/when-a-deer-causes-an-accident-understanding-your-auto-insurance) [![](https://blog.concklin.com/hubfs/Water%20Damage%20and%20Your%20Business%20Understanding%20Coverage%20Differences%20(1).png)](https://blog.concklin.com/water-damage-and-your-business-understanding-coverage-differences) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Flood Insurance](https://blog.concklin.com/tag/flood-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Water Damage and Your Business: Understanding Coverage Differences](https://blog.concklin.com/water-damage-and-your-business-understanding-coverage-differences) A burst pipe, roof leak, sewer backup, and flood can all cause similar damage to a business. The cle... [Read more](https://blog.concklin.com/water-damage-and-your-business-understanding-coverage-differences) [![Water in Your Basement: Which Insurance Coverage Applies?](https://blog.concklin.com/hubfs/Water%20in%20Your%20Basement%20Which%20Insurance%20Coverage%20Applies.png)](https://blog.concklin.com/water-in-your-basement-which-insurance-coverage-applies) [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Flood Insurance](https://blog.concklin.com/tag/flood-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Water in Your Basement: Which Insurance Coverage Applies?](https://blog.concklin.com/water-in-your-basement-which-insurance-coverage-applies) Finding water in your basement is stressful enough. Then comes the insurance question: Is the damage... [Read more](https://blog.concklin.com/water-in-your-basement-which-insurance-coverage-applies) [![](https://blog.concklin.com/hubfs/Your%20Business%20Is%20Open%2c%20but%20Your%20Supplier%20Is%20Not.png)](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Your Business Is Open, but Your Supplier Is Not](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) Understanding Contingent Business Income Coverage A fire shuts down one of your largest suppliers. Y... [Read more](https://blog.concklin.com/your-business-is-open-but-your-supplier-is-not-understanding-contingent-business-income-coverage) [![](https://blog.concklin.com/hubfs/Insurance%20Questions%20First-Time%20Home%20Buyers%20Should%20Ask%20Before%20Closing.png)](https://blog.concklin.com/insurance-questions-first-time-home-buyers-should-ask-before-closing) [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Insurance Questions First-Time Home Buyers Should Ask Before Closing](https://blog.concklin.com/insurance-questions-first-time-home-buyers-should-ask-before-closing) Buying your first home comes with a long list of requirements. Mortgage approval, inspections, closi... [Read more](https://blog.concklin.com/insurance-questions-first-time-home-buyers-should-ask-before-closing) [![](https://blog.concklin.com/hubfs/Employee%20Driving.png)](https://blog.concklin.com/employee-driving-the-auto-risk-restaurants-miss) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Restaurant and Hospitality](https://blog.concklin.com/tag/restaurant-and-hospitality), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Employee Driving: The Auto Risk Restaurants Miss](https://blog.concklin.com/employee-driving-the-auto-risk-restaurants-miss) You do not need a company vehicle to have business auto exposures. [Read more](https://blog.concklin.com/employee-driving-the-auto-risk-restaurants-miss) [![](https://blog.concklin.com/hubfs/Are%20E-Bikes%20and%20E-Scooters%20Covered%20by%20Insurance.png)](https://blog.concklin.com/are-e-bikes-and-e-scooters-covered-by-insurance) [Homeowners](https://blog.concklin.com/tag/homeowners), [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Are E-Bikes and E-Scooters Covered by Insurance?](https://blog.concklin.com/are-e-bikes-and-e-scooters-covered-by-insurance) E-bikes and e-scooters are becoming more common for commuting, recreation, errands, and neighborhood... [Read more](https://blog.concklin.com/are-e-bikes-and-e-scooters-covered-by-insurance) [![](https://blog.concklin.com/hubfs/Common%20Insurance%20Requirements.png)](https://blog.concklin.com/common-insurance-requirements-in-business-contracts) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Common Insurance Requirements in Business Contracts](https://blog.concklin.com/common-insurance-requirements-in-business-contracts) Business contracts often include insurance requirements. Before signing a contract, lease, subcontra... [Read more](https://blog.concklin.com/common-insurance-requirements-in-business-contracts) [![](https://blog.concklin.com/hubfs/Do%20You%20Need%20Personal%20Umbrella%20Insurance.png)](https://blog.concklin.com/do-you-need-personal-umbrella-insurance) [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Do You Need Personal Umbrella Insurance?](https://blog.concklin.com/do-you-need-personal-umbrella-insurance) What Every Household Should Know Many people assume personal umbrella insurance is only for wealthy ... 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