Resources Introduction
This page provides educational information to help business owners and individuals better understand common insurance topics. You will find explanations related to business insurance, personal insurance, and employee benefits so you can make informed decisions and ask the right questions when reviewing coverage.
Insurance products and services are offered by Kain Carlson, independent insurance agent. Carlson Group LLC is a holding company and does not solicit insurance.
Frequently Asked Questions
What types of insurance do you work with?
- Business insurance, including property, liability, and commercial coverage
- Personal insurance, such as home, auto, umbrella, and specialty policies
- Employee benefits, including medical, dental, vision, life, disability, and supplemental coverage
How is business insurance different from employee benefits?
Business insurance is designed to protect the company itself from property damage, lawsuits, and operational risks. Employee benefits are designed to provide coverage options to employees and their families, often as part of a compensation strategy.
Can I bundle different types of insurance?
In many cases, multiple policies can be coordinated or bundled to improve coverage efficiency and manage costs. This applies to both business and personal insurance, depending on carrier options and eligibility.
What is P&C insurance?
Property and Casualty insurance, often referred to as P&C, generally includes coverage that protects physical assets and provides liability protection. This can apply to businesses, homes, vehicles, and personal liability exposures.
Do small businesses really need business insurance?
Most businesses face risks related to property damage, liability, or operations, regardless of size. Business insurance helps manage these risks and may also be required by landlords, lenders, or contracts.
How long does it take to review coverage or receive a quote?
Timelines vary depending on the type of insurance and complexity of the risk. Many reviews and quotes can be completed within a few business days once required information is received.
Insurance products and services are offered by Kain Carlson, independent insurance agent.
Carlson Group LLC is a holding company and does not solicit, sell, or negotiate insurance.
Created by Camden Barta