--- title: The Concklin Blog | Insurance 101 (2) description: Insurance 101 | Learn about different types of insurance, risk management strategies, and loss prevention tips (2) --- [Skip to content](https://blog.concklin.com/tag/insurance-101/page/2#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/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 ... [Read more](https://blog.concklin.com/do-you-need-personal-umbrella-insurance) [![](https://blog.concklin.com/hubfs/What%20Happens%20When%20You%20File%20a%20Workers%E2%80%99%20Compensation%20Claim.png)](https://blog.concklin.com/what-happens-when-you-file-a-workers-compensation-claim) [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), [Risk Mitigation](https://blog.concklin.com/tag/risk-mitigation) ## [What Happens When You File a Workers’ Compensation Claim](https://blog.concklin.com/what-happens-when-you-file-a-workers-compensation-claim) When an employee gets injured on the job, it is one of the most serious situations a business can fa... [Read more](https://blog.concklin.com/what-happens-when-you-file-a-workers-compensation-claim) [![](https://blog.concklin.com/hubfs/What%20Happens%20If%20Your%20Home%20Is.png)](https://blog.concklin.com/what-happens-if-your-home-is-underinsured) [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) ## [What Happens If Your Home Is Underinsured?](https://blog.concklin.com/what-happens-if-your-home-is-underinsured) Your limits of liability continue to increase, and it can feel frustrating as premiums rise alongsid... [Read more](https://blog.concklin.com/what-happens-if-your-home-is-underinsured) [![](https://blog.concklin.com/hubfs/Tax%20Season%20and%20Identity%20Theft.png)](https://blog.concklin.com/tax-season-and-identity-theft) [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) ## [Tax Season and Identity Theft](https://blog.concklin.com/tax-season-and-identity-theft) Tax season creates a predictable spike in identity theft and financial fraud. Every year, criminals ... [Read more](https://blog.concklin.com/tax-season-and-identity-theft) [![](https://blog.concklin.com/hubfs/What%20to%20Compare%20Before%20Choosing%20Your%20Insurance%20Policy.png)](https://blog.concklin.com/beyond-price-what-to-compare-before-choosing-your-insurance-policy) [Insider](https://blog.concklin.com/tag/insider), [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), [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Beyond Price: What to Compare Before Choosing Your Insurance Policy](https://blog.concklin.com/beyond-price-what-to-compare-before-choosing-your-insurance-policy) When shopping for insurance, it's natural to focus on price. Everyone wants a good deal, but cheaper... [Read more](https://blog.concklin.com/beyond-price-what-to-compare-before-choosing-your-insurance-policy) [![](https://blog.concklin.com/hubfs/Workers%E2%80%99.png)](https://blog.concklin.com/understanding-workers-comp-classification-codes-why-accuracy-matters) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Understanding Workers' Comp Classification Codes: Why Accuracy Matters](https://blog.concklin.com/understanding-workers-comp-classification-codes-why-accuracy-matters) Workers' compensation insurance is more than a compliance checkbox; it's a critical part of protecti... [Read more](https://blog.concklin.com/understanding-workers-comp-classification-codes-why-accuracy-matters) [![](https://blog.concklin.com/hubfs/Wage%20Transparency%20Laws.png)](https://blog.concklin.com/wage-transparency-laws-what-restaurant-owners-need-to-know) [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) ## [Wage Transparency Laws: What Restaurant Owners Need to Know](https://blog.concklin.com/wage-transparency-laws-what-restaurant-owners-need-to-know) More states are now requiring employers to include salary ranges and, in some cases, benefits inform... [Read more](https://blog.concklin.com/wage-transparency-laws-what-restaurant-owners-need-to-know) [![](https://blog.concklin.com/hubfs/Why%20Adding%20a%20Teen%20Driver%20Raises%20Your%20Insurance%20Rates.png)](https://blog.concklin.com/why-adding-a-teen-driver-raises-your-insurance-rates) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Why Adding a Teen Driver Raises Your Insurance Rates](https://blog.concklin.com/why-adding-a-teen-driver-raises-your-insurance-rates) Adding a teen driver to your auto insurance policy can be a shock to your budget. Even the most resp... [Read more](https://blog.concklin.com/why-adding-a-teen-driver-raises-your-insurance-rates) [![](https://blog.concklin.com/hubfs/Your%20Liability%20Doesnt%20End%20Just%20Because%20Your%20Policy%20Did.png)](https://blog.concklin.com/your-liability-doesnt-end-just-because-your-policy-did) [Business Insurance](https://blog.concklin.com/tag/business-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## [Your Liability Doesn't End Just Because Your Policy Did](https://blog.concklin.com/your-liability-doesnt-end-just-because-your-policy-did) Just because your insurance policy has expired doesn't mean your risk has. Liability can follow your... [Read more](https://blog.concklin.com/your-liability-doesnt-end-just-because-your-policy-did) [![](https://blog.concklin.com/hubfs/Full%20Coverage.png)](https://blog.concklin.com/full-coverage-isnt-what-you-think-what-auto-insurance-really-covers) [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) ## [Full Coverage Isn’t What You Think: What Auto Insurance Really Covers](https://blog.concklin.com/full-coverage-isnt-what-you-think-what-auto-insurance-really-covers) One of the most common things people say when buying car insurance is, “I just want full coverage.” ... 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