In the years in which I had purchased general and professional errors and omissions liability insurance through KHT Insurance, I received nothing less than 1st class service from their organization.
John Shanahan
Clients: Make a Payment | Report a Claim | Request a Certificate
Insurance for Architects & Engineers
We place every line a design firm needs — general liability, property, auto, workers' comp and more — and we lead with the coverage A&E firms care about most: professional liability, quoted early and shopped across the markets that specialize in design risk.
A FULL PROGRAM, LED BY PL
Every coverage a design firm needs
KHT places the complete commercial program for architects and engineers: professional liability, general liability, commercial property, business auto, workers' compensation, umbrella, and the business owner's policy that bundles the essentials. Whatever your firm carries, we can quote it and bring it under one roof — without making you chase separate agents for separate policies.
Professional Liability (E&O)
Not a visitor slipping in the lobby — the risk that lives in your actual work: a design that didn't perform, a spec that was misread, a calculation a contractor built on and a client later questioned.
It's also the coverage priced most differently from firm to firm. A structural engineer, a geotechnical firm, and a civil practice don't face the same claims — and a civil engineer in Texas isn't looking at the same markets as one in California.
That's what an independent broker is for: matching your discipline to the insurance company that prices it best.
Design & specification claims
Defense and damages when a client alleges your drawings, specs, or calculations caused them a loss.
Legal defense costs
Covered even when the allegation is groundless — and on a design claim, defense is where the real cost lives.
Continuity & retroactive date
We protect your prior-acts coverage so a switch in Insurance companies never opens a gap behind you.
If your business needs it, we likely write it.
Eighteen commercial lines across four areas — from the policies every business carries to specialty and surety coverage.
Disciplines we place
Built for the range of A&E practice.
One A&E professional liability application can serve firms across these disciplines — which is part of why we can turn a quote around quickly, without sending you back for a second round of questions.
● Architects
● Structural engineers
● Civil engineers
● Geotechnical engineers
● MEP engineers
● Land surveyors
● Design-build firms
● Landscape architects
Why place it through KHT
Specific things we do that most agencies don't.
Early renewal quotes
We quote your renewal well ahead of expiration — giving you time to review and compare, not a take-it-or-leave-it the day before.
Multiple carriers, lowest qualified quote
We shop across markets and recommend the best-fit, best-priced option.
Owners on your account
An established, owner-led team. When you call, you speak directly with the people responsible for protecting your business.
The renewal difference
Why timing is the A&E hot button.
Most design firms don't switch brokers because of a claim. They switch because their current broker put them in a corner — renewal terms the day before expiration, no time to shop. Here's how we run it instead.
60-90 days out
We start early
Well before your expiration date, we're already preparing your submission — not waiting for the deadline to force your hand.
45 days out
We shop the market
We shop with insurance companies that specialize in design professionals, and we compare what comes back side by side.
30 days out
You review with time
You get options and a recommendation with real time to consider them — the opposite of a same-week ultimatum.
Getting a Quote
Straightforward from here.
1
Tell us about your firm
We quote your renewal well ahead of expiration — time to review and compare, not a take-it-or-leave-it the day before.
2
We shop your coverage
We quote it with multiple top-rated insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation — the lowest qualified quote, explained in plain terms.
Insurance you don't have to think about.
Very responsive agency. They have great staff and are willing to help find the best policy out there for home, auto, commercial, flood - anything you need. We've worked with them for years and can't say anything negative about their service.
Turning Point Counseling
You can buy insurance anywhere, but what sets KHT apart from the rest is service, and they are the best. The best compliment you can pay is when you are asked 'who do you have your insurance with' say KHT!
Buddie Hrabal
You will not be playing phone tag with their answering machine. KHT is always there to answer questions and to find the best deals for us.
Stan Mullin
Price is right, efficient and good to deal with.
Michael Robinson
Excellent customer service and knowledgeable agents.
Dianne Young
Great and timely service from the KHT team.
Ben Ginnetti
Been with KHT since 1998 for my insurance. Absolutely the best!
Tommy Anderson
KHT provides wonderful service! I highly recommend them for your insurance needs.
Carmen Nelon
common questions
The questions A&E firms ask.
Yes. We place A&E professional liability across many states. The right markets shift depending on where you practice, and matching your work to the insurance companies who price it best in each state is exactly what an independent broker does.
Sooner is always better, but 60 to 90 days before expiration gives us room to shop thoroughly and gives you room to review without pressure. If your renewal is closer than that, still reach out — we'll move quickly.
It doesn't have to. Protecting your retroactive date so there's no gap behind you is a core part of how we handle a move. We'll confirm continuity before recommending any change.
Almost always. Client and public-agency contracts often dictate a minimum professional liability limit, and we place coverage to meet the requirement — then give you the certificate that proves it. Send us the contract language and we'll match it.
We look at your project sizes, your contractual requirements, your discipline, and your revenue — then recommend a limit that covers your real exposure without paying for coverage you don't need. It's a conversation, not a default.
No. Many firms come to us for professional liability first. If it makes sense to consolidate general liability, business auto, workers' compensation, or an umbrella later, we're glad to — but there's no requirement, and Professional Liability is where we lead.
Quote your A&E coverage.
Start with professional liability or your whole program — tell us about your business and we'll shop it. Or call and talk it through with the people who'll actually handle your account.
Fort Worth, TX
817-336-2721 · 800-814-6470
info@khtinsurance.com
Core Insurance
Mgmt & Prof Liability
Speciality lines
bonds
©2026 KHT Insurance. All Rights Reserved.