--- title: The Concklin Blog (13) description: Learn about different types of insurance, risk management strategies, and loss prevention tips (13) --- [Skip to content](https://blog.concklin.com/page/13#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 [![Graphic of a Home made up of 6 puzzle pieces. Each piece is a different color](https://blog.concklin.com/hubfs/Imported_Blog_Media/puzzle-pieces-2648214_1920.jpg)](https://blog.concklin.com/blog/what-does-a-homeowners-policy-cover.html) [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [What does a homeowner’s policy cover?](https://blog.concklin.com/blog/what-does-a-homeowners-policy-cover.html) A homeowners policy packages together the specific types of property and liability coverage that a h... [Read more](https://blog.concklin.com/blog/what-does-a-homeowners-policy-cover.html) [![graphic of a fish hook pulling the login information off a computer screen](https://blog.concklin.com/hubfs/phishing-6573326_1280.jpg)](https://blog.concklin.com/dont-get-caught-by-a-phishing-plot) [Cyber Liability](https://blog.concklin.com/tag/cyber-liability) ## [Don’t get caught by a phishing plot](https://blog.concklin.com/dont-get-caught-by-a-phishing-plot) 1 in 323 emails sent to businesses are malicious. And that’s a conservative estimate. [Read more](https://blog.concklin.com/dont-get-caught-by-a-phishing-plot) [![view from behind of a man driving with his phone showing the route](https://blog.concklin.com/hubfs/Imported_Blog_Media/paul-hanaoka-D-qq7W751vs-unsplash.jpg)](https://blog.concklin.com/blog/are-you-delivering-on-safety-14-tips-to-help-keep-delivery-drivers-safe-and-insurance-claims-low.html) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Restaurant and Hospitality](https://blog.concklin.com/tag/restaurant-and-hospitality) ## [Are you delivering on safety? 14 tips to help keep delivery drivers safe and insurance claims low](https://blog.concklin.com/blog/are-you-delivering-on-safety-14-tips-to-help-keep-delivery-drivers-safe-and-insurance-claims-low.html) Food delivery service brings convenience to customers and has helped many restaurants survive shutdo... [Read more](https://blog.concklin.com/blog/are-you-delivering-on-safety-14-tips-to-help-keep-delivery-drivers-safe-and-insurance-claims-low.html) [![Hand written sign that reads "sorry we are now closed" tapped to a window](https://blog.concklin.com/hubfs/Imported_Blog_Media/sorry_we_are_now_closed.jpg)](https://blog.concklin.com/blog/create-a-business-recovery-plan.html) [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## [Are you ready for a disaster? Here are 6 steps to help you create a business recovery plan](https://blog.concklin.com/blog/create-a-business-recovery-plan.html) If the last year and a half has taught us anything, it is that anything can happen, and those with a... [Read more](https://blog.concklin.com/blog/create-a-business-recovery-plan.html) [![Mind the Gap floor sign at a subway station](https://blog.concklin.com/hubfs/Imported_Blog_Media/mind_the_gap-1.jpg)](https://blog.concklin.com/blog/mind-the-gap-will-you-be-left-holding-the-bill-after-a-car-accident.html) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [Mind the Gap – Will you be left holding the bill after a car accident?](https://blog.concklin.com/blog/mind-the-gap-will-you-be-left-holding-the-bill-after-a-car-accident.html) This one endorsement could make up the difference. If you’ve ever traveled via London’s iconic “Tube... [Read more](https://blog.concklin.com/blog/mind-the-gap-will-you-be-left-holding-the-bill-after-a-car-accident.html) [![login and password screen](https://blog.concklin.com/hubfs/user-login-on-screen-2022-12-15-21-18-25-utc-1.jpeg)](https://blog.concklin.com/cyber-security-for-small-businesses) [Cyber Liability](https://blog.concklin.com/tag/cyber-liability) ## [Cyber Security for Small Businesses](https://blog.concklin.com/cyber-security-for-small-businesses) High-profile cyber attacks on companies such as Target and Sears have raised awareness of the growin... [Read more](https://blog.concklin.com/cyber-security-for-small-businesses) [![Close up view of an avocado that is being diced with a knife](https://blog.concklin.com/hubfs/Imported_Blog_Media/avocado-4766630_1920.jpg)](https://blog.concklin.com/blog/top-3-costly-claims-for-restaurant-operators-and-tips-on-how-to-prevent-them.html) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Restaurant and Hospitality](https://blog.concklin.com/tag/restaurant-and-hospitality), [Safety Tips](https://blog.concklin.com/tag/safety-tips) ## [Top 3 common costly claims for restaurant operators and tips on how to prevent them](https://blog.concklin.com/blog/top-3-costly-claims-for-restaurant-operators-and-tips-on-how-to-prevent-them.html) The only thing worse than training your employees and having them leave, is not training your employ... [Read more](https://blog.concklin.com/blog/top-3-costly-claims-for-restaurant-operators-and-tips-on-how-to-prevent-them.html) [![Hand reaching out to a fingerprint scanner](https://blog.concklin.com/hubfs/Imported_Blog_Media/fingerprint_scanner.jpg)](https://blog.concklin.com/blog/biometric-identifiers-creating-gap.html) [Business Insurance](https://blog.concklin.com/tag/business-insurance) ## [Is the use of biometric identifiers creating a gap in your insurance coverage? Reduce your risk with these 8 tips](https://blog.concklin.com/blog/biometric-identifiers-creating-gap.html) The collection, use, storage, and destruction of Biometric Identifiers is a hot topic for employees.... [Read more](https://blog.concklin.com/blog/biometric-identifiers-creating-gap.html) [![Interior view of a bathroom laundry room combo in the basement](https://blog.concklin.com/hubfs/Imported_Blog_Media/sump_pump_blog.jpg)](https://blog.concklin.com/blog/dont-forget-the-sump-pump.html) [Homeowners](https://blog.concklin.com/tag/homeowners), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [Don’t forget the sump pump! This is one risk you don't want to miss.](https://blog.concklin.com/blog/dont-forget-the-sump-pump.html) Buying a new home is an exciting stage in your life, and there is a lot that goes into it. The ideal... [Read more](https://blog.concklin.com/blog/dont-forget-the-sump-pump.html) [![Different foods in a variety of containers that are ready to eat](https://blog.concklin.com/hubfs/Imported_Blog_Media/Meal_Kit.jpg)](https://blog.concklin.com/blog/covid-a-year-of-change-for-restaurants.html) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Restaurant and Hospitality](https://blog.concklin.com/tag/restaurant-and-hospitality) ## [Check out these 3 ways restaurant owners are evolving their businesses](https://blog.concklin.com/blog/covid-a-year-of-change-for-restaurants.html) March 2020 saw a wave of disruption strike the restaurant and hospitality industry like nothing we c... [Read more](https://blog.concklin.com/blog/covid-a-year-of-change-for-restaurants.html) [First](https://blog.concklin.com/) [Prev](https://blog.concklin.com/page/12) [11](https://blog.concklin.com/page/11) [12](https://blog.concklin.com/page/12) [13](https://blog.concklin.com/page/13) [14](https://blog.concklin.com/page/14) [15](https://blog.concklin.com/page/15) [Next](https://blog.concklin.com/page/14) [Last](https://blog.concklin.com/page/21) [![Concklin Logo](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo.png?width=150&height=48&name=Concklin%20Logo.png "Concklin Logo")](http://concklin.com) [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) - 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) - [Restaurants](https://restaurants.concklin.com) - [Franchised Restaurants](https://restaurants.concklin.com/franchised-restaurants) - [Contractors](https://insurance.concklin.com/general-contractor-insurance) - [Habitational](https://insurance.concklin.com/habitational-insurance) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Business Owners' Policy](https://insurance.concklin.com/business-owners-insurance-policy) - [Commercial Property](https://insurance.concklin.com/commercial-property-insurance) - [General Liability](https://insurance.concklin.com/commercial-general-liability-insurance) - Workers' Compensation - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - [Homeowners' Policy](https://insurance.concklin.com/homeowners-insurance) - [Personal Auto Policy](https://insurance.concklin.com/auto-insurance) - [Personal Umbrella Policy](https://insurance.concklin.com/personal-umbrella-insurance) - [Flood Insurance](https://insurance.concklin.com/flood-insurance) - Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - 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/) --- REQUESTING COVERAGE DOES NOT GUARANTEE COVERAGE CAN BE PROVIDED.  COVERAGE CAN BEGIN ONLY WITH SPECIFIC STATEMENT BY A LICENSED MEMBER OF CONCKLIN INSURANCE AGENCY. 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