Terms of Service

Last updated: 2026

These terms of service govern your use of kaincarlson.com (the "Site") and any services offered through it. By accessing or using the Site, you agree to be bound by these terms. If you do not agree, please do not use the Site.

1. Nature of Services

Kain Carlson is an independent insurance advisor licensed in North Dakota and Minnesota. The Site provides general information about commercial insurance, employee benefits, and personal insurance products. Nothing on this Site constitutes a binding insurance quote, policy, or coverage confirmation. All coverage is subject to underwriting review, carrier approval, and the terms of a formally issued policy.

Submission of a quote request or contact form does not create an insurance contract, a client relationship, or any obligation on either party to proceed.

2. Informational Purpose Only

The content on this Site — including descriptions of coverage types, limits, exclusions, and carrier information — is provided for general informational purposes only. It does not constitute legal, financial, or professional advice specific to your situation. Insurance needs vary significantly by business type, size, industry, and jurisdiction. You should not rely solely on this Site to make coverage decisions.

3. No Guarantee of Coverage or Availability

All coverage descriptions on this Site describe coverage that may be available through one or more carriers. Coverage availability, terms, and pricing are subject to individual underwriting and are not guaranteed. Describing a coverage type on this Site does not mean that coverage is available to you, at any particular price, or through any specific carrier.

4. Third-Party Links and Services

This Site may contain links to third-party websites, carrier portals, and external services. These links are provided for convenience only. Kain Carlson does not control, endorse, or accept responsibility for any third-party site or service. Your use of any third-party site is governed by that site's own terms and policies.

5. Limitation of Liability

To the fullest extent permitted by applicable law, Kain Carlson is not liable for any direct, indirect, incidental, consequential, or punitive damages arising from your use of the Site or reliance on any content found here. This includes — but is not limited to — decisions made based on Site content, form submissions that are not received or acted upon, or technical failures that prevent access to the Site.

6. Intellectual Property

All content on this Site — including text, structure, design, and branding — is the property of Kain Carlson. You may not reproduce, redistribute, or repurpose any content from this Site without prior written consent.

7. Licensing and Regulatory Disclosure

Kain Carlson is a licensed insurance producer in North Dakota and Minnesota. Licensing information is available upon request. Insurance products are offered through independent carrier relationships. Kain Carlson is not an employee or agent of any single carrier and does not represent any single carrier exclusively.

8. Changes to These Terms

These terms may be updated at any time. The "last updated" date above reflects the most recent revision. Continued use of the Site following any changes constitutes acceptance of the revised terms.

9. Governing Law

These terms are governed by the laws of the State of North Dakota, without regard to conflict of law principles.

10. Contact

Questions about these terms may be directed to:

Kain Carlson
Independent Insurance Advisor
North Dakota & Minnesota
kain@kaincarlson.com