The general liability insurance market has seen significant changes, with rising claim frequency and severity leading to higher rates and stricter underwriting. Litigation concerns, increased medical expenses, and PFAS exposures are key factors driving these trends. Despite slight improvements in 2022-23, challenges persist. Businesses must stay informed and proactive in risk management. Contact Carlson Insurance Group for tailored solutions to safeguard your assets and ensure continuity in 2024.

Many drivers overlook how credit scores affect car insurance rates. Most states use credit scores to determine premiums, but California, Massachusetts, and Hawaii ban this practice. Regulations vary by state, so talk to your agent. Insurers in some states weigh credit scores more heavily. Even with poor credit, you may qualify for discounts. Proper use of car seats and booster seats reduces children's injury risk in accidents. Contact Carlson Insurance Group today.