--- title: The Concklin Blog (5) description: Learn about different types of insurance, risk management strategies, and loss prevention tips (5) --- [Skip to content](https://blog.concklin.com/page/5#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 [![](https://blog.concklin.com/hubfs/When%20Does%20It%20Make%20Sense%20to%20Add%20Supplemental%20Insurance%20for%20High-Value%20Jewelry.png)](https://blog.concklin.com/when-does-it-make-sense-to-add-supplemental-insurance-for-high-value-jewelry) [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) ## [When Does It Make Sense to Add Supplemental Insurance for High-Value Jewelry?](https://blog.concklin.com/when-does-it-make-sense-to-add-supplemental-insurance-for-high-value-jewelry) Your homeowner’s insurance policy likely includes some coverage for personal belongings, including j... [Read more](https://blog.concklin.com/when-does-it-make-sense-to-add-supplemental-insurance-for-high-value-jewelry) [![](https://blog.concklin.com/hubfs/Protecting%20Your%20Business%20During%20the%20Winter%20Risk%20Management%20Strategies.png)](https://blog.concklin.com/protecting-your-business-during-the-winter-risk-management-strategies) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Safety Tips](https://blog.concklin.com/tag/safety-tips), [Risk Mitigation](https://blog.concklin.com/tag/risk-mitigation) ## [Protecting Your Business During the Winter: Risk Management Strategies](https://blog.concklin.com/protecting-your-business-during-the-winter-risk-management-strategies) Winter is a challenging season for businesses, bringing a host of risks that can disrupt operations,... [Read more](https://blog.concklin.com/protecting-your-business-during-the-winter-risk-management-strategies) [![man holding sign that reads "Are you covered?"](https://blog.concklin.com/hubfs/planning-is-the-right-thing-to-do-2024-07-19-18-31-11-utc-1.jpeg)](https://blog.concklin.com/5-insurance-myths-that-could-leave-you-exposed) [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) ## [5 Insurance Myths That Could Leave You Exposed](https://blog.concklin.com/5-insurance-myths-that-could-leave-you-exposed) When it comes to insurance, many people believe myths or misunderstandings that can lead to inadequa... [Read more](https://blog.concklin.com/5-insurance-myths-that-could-leave-you-exposed) [![man sitting alone at bar counter with a pint of multiple beers](https://blog.concklin.com/hubfs/stylish-man-sitting-alone-at-bar-counter-with-a-pi-2024-10-12-18-37-55-utc-1.jpeg)](https://blog.concklin.com/understanding-dram-shop-laws-why-bars-and-restaurants-need-liquor-liability) [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) ## [Understanding Dram Shop Laws: Why Bars and Restaurants Need Liquor Liability](https://blog.concklin.com/understanding-dram-shop-laws-why-bars-and-restaurants-need-liquor-liability) Running a bar or restaurant comes with significant responsibilities, especially when serving alcohol... [Read more](https://blog.concklin.com/understanding-dram-shop-laws-why-bars-and-restaurants-need-liquor-liability) [![A parent and Children using a laptop, smartphone in the living room.](https://blog.concklin.com/hubfs/a-parent-and-children-using-a-laptop-smartphone-i-2023-11-27-04-58-52-utc-1.jpeg)](https://blog.concklin.com/stay-safe-online-essential-tips-to-protect-against-cyber-liabilities) [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Cyber Liability](https://blog.concklin.com/tag/cyber-liability), [Risk Mitigation](https://blog.concklin.com/tag/risk-mitigation) ## [Stay Safe Online: Essential Tips to Protect Against Cyber Liabilities](https://blog.concklin.com/stay-safe-online-essential-tips-to-protect-against-cyber-liabilities) With so much of our daily lives happening online, from shopping to social media to banking, protecti... [Read more](https://blog.concklin.com/stay-safe-online-essential-tips-to-protect-against-cyber-liabilities) [![Worker Preparing His Tools on the Pickup Cargo Section](https://blog.concklin.com/hubfs/worker-preparing-his-tools-on-the-pickup-cargo-sec-2023-11-27-05-31-57-utc-1-1.jpeg)](https://blog.concklin.com/what-is-inland-marine-insurance-and-why-your-business-might-need-it) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [What is Inland Marine Insurance and Why Your Business Might Need It](https://blog.concklin.com/what-is-inland-marine-insurance-and-why-your-business-might-need-it) Despite its name, inland marine insurance is not limited to boats, trains, or shipping companies. It... [Read more](https://blog.concklin.com/what-is-inland-marine-insurance-and-why-your-business-might-need-it) [![Insurance Agent explaining policy - close up](https://blog.concklin.com/hubfs/estate-agent-giving-house-and-keys-to-client-after-2024-10-18-06-58-47-utc-1.jpeg)](https://blog.concklin.com/understanding-deductibles-how-they-impact-premiums-and-claims) [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) ## [Understanding Deductibles: How They Impact Premiums and Claims](https://blog.concklin.com/understanding-deductibles-how-they-impact-premiums-and-claims) When purchasing home or auto insurance, the choice of deductible amount is more than just a minor de... [Read more](https://blog.concklin.com/understanding-deductibles-how-they-impact-premiums-and-claims) [![Woman putting on store opening soon sign](https://blog.concklin.com/hubfs/woman-putting-on-store-opening-soon-sign-2023-11-27-05-27-56-utc-1.jpeg)](https://blog.concklin.com/from-lease-to-launch-insurance-strategies-for-new-business-locations-1) [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) ## [From Lease to Launch: Insurance Strategies for New Business Locations](https://blog.concklin.com/from-lease-to-launch-insurance-strategies-for-new-business-locations-1) Part 2: Protecting Your Business with General Liability Insurance from Day One When a business signs... [Read more](https://blog.concklin.com/from-lease-to-launch-insurance-strategies-for-new-business-locations-1) [![Radiator grille of a new luxury BMW car](https://blog.concklin.com/hubfs/radiator-grille-of-a-new-luxury-car-2023-11-27-05-23-14-utc-1.jpeg)](https://blog.concklin.com/state-minimum-insurance-coverage-a-reality-check) [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) ## [State Minimum Insurance Coverage: A Reality Check](https://blog.concklin.com/state-minimum-insurance-coverage-a-reality-check) When was the last time you thought about the most affluent person you know? Picture them in their lu... [Read more](https://blog.concklin.com/state-minimum-insurance-coverage-a-reality-check) [![Delivery driver handing food order to customer outside front door in residential neighborhood](https://blog.concklin.com/hubfs/delivery-man-courier-2023-11-27-05-07-15-utc-1.jpeg)](https://blog.concklin.com/the-hidden-risk-of-third-party-delivery-services) [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), [Jersey Mike's](https://blog.concklin.com/tag/jersey-mikes), [Insurance 101](https://blog.concklin.com/tag/insurance-101), [Risk Mitigation](https://blog.concklin.com/tag/risk-mitigation) ## [The Hidden Risk of Third-Party Delivery Services](https://blog.concklin.com/the-hidden-risk-of-third-party-delivery-services) Why Restaurants Need Hired and Non-Owned Auto Liability Insurance In today's fast-paced world, third... 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