our 3 step process

Easy 3 step process to navigate our clients through the rating process.

Consultation

We come to you or gather information by phone or email - whichever is easiest for you. We take time to understand your business operations, determine your needs and document all coverage concerns. At KLB we are a resource to our clients regardless if the business was previously ours and we want to help mitigate any future potential claims.

Experience

​One of our experienced staff will compile all of the data into our system and seek out the best coverage and with the most affordable competitive pricing. We will generate a document with the insurance plans that best meet your needs.

Presentation

Once all of the pricing and coverage has been reviewed and generated into a proposal we will present to you the client however it is convenient for you. We will take our time to discuss your options and recommend coverage based on our years of experience as well as our ever-changing world. KLB will offer coverages and options to help tailor the perfect package to help you feel secure

what makes us different

24/7 Access

24 Hour access to agents for all claims: we are known for taking 3am and 5am calls and being first on the scene. We take pride in being there when you need us.

Liquor Training/ Licensing Assistance

We feel education is the first line of defense. Many of our clients are in the business of serving liquor and making sure that all employees are trained in part of operating a successful business. We offer free training to our clients- we want to know your employees and give them the confidence to serve alcohol safely. At KLB our training covers claims scenarios, judge and jury portion as well as general compliance and law regulation requirements. Have your staff learn from the people who know- many say it will never happen to them but we are the ones you call when it does. Contact us if you would like assistance with the Liquor Licensing process.

Commitment to Industry knowledge

Our world is changing daily and the laws and requirements for businesses change just as quickly. At KLB we pride ourselves in partnering with organizations and entities who help to improve regulations and laws for businesses like yours. KLB has worked with the City of Minneapolis to provide language and revisions to the 60/40 law as a consultant and also worked with The Restaurant Association on the current revisions to the ADA Law affecting so many businesses in the Twin Cities. We will be at the forefront advocating for you as well as be a resource for claims and lawsuits on the rise- we believe the best defense is a good offense.

ready to get started?

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When we have a question from a member about insurance issues, particularly regarding coverage for claims or potential claims, we often call KLB Insurance for assistance. We appreciate the quick, helpful and accurate responses we receive from Kim and KLB.

​Dan McElroy

​President/CEO
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​Hospitality Minnesota - The Minnesota Restaurant, Lodging and Resort & Campground Associations

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I was having a hard time dealing with insurance companies until I met Kim Brown. She was prompt, courteous, responsive, and a pleasure to work with. Everything our previous company was NOT! And the best part is that she saved us tens of thousands of dollars immediately! If you are not with Kim Brown, you are paying too much for too little!

​Deepak Nath

Owner
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​Nath Companies, Pourhouse, Exchange

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We have been working with the KLB Insurance for the past fifteen years and they are outstanding on many fronts. Kim’s knowledge of the restaurant industries needs is comprehensive, refreshing and invaluable. And her team in the office is professional, available and responsive. Having owned and operated my own establishments for the past 21 years, it is awesome to have that critical component of our business in such capable hands!! Thank you, KLB.

​Tony Patterson

Owner
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​Clive’s Roadhouse & Maxwell’s American Pub

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My number one job is to be a good steward of my bosses’ money. Working with Kim and her team at KLB insurance makes that job easy.  They consistently beat their competitors rates and occasionally beat their own.  If your agent hasn’t called you and said “I found a better rate than you are currently paying” you are with the wrong agent.  KLB insurance combines the best pricing with the best advice and the greatest service in the industry.

Sam Bergstrom

General Manager
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Tom Reid’s Hockey City Pub

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KLB Insurance has always been there when we need them... whether it be to ask a pertinent question on the ‘What ifs?’ that sometimes face our business.”“Kim L. Brown has been our agent of record since 1990 while she was working with another agency; we were so proud when she ventured out on her own with KLB Insurance and we will be with her as our “Friend” as well as the best Insurance Agent we have ever dealt with. Whether just questions, a small claim, or  large claim she still shops our insurance needs and comes in within budget!
Great team we have become!

Rick Anderson

CEO
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Fortune Bay Resort Casino

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strategic partnerships & Memberships