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
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Directors & Officers (D&O)
Protection for the people who lead the organization
When a decision by your leadership is challenged, D&O covers the personal liability of directors and officers — and the organization that indemnifies them. Private companies and nonprofits need it as much as public ones.
WHAT DIRECTORS & OFFICERS (D&O) COVERS
The personal exposure of leadership decisions.
Directors and officers (D&O) liability insurance protects the individuals who serve on your board or lead your organization against claims that their management decisions caused harm. Because those individuals can be held personally liable — with their own assets at risk — D&O is what allows a company to attract and keep capable leaders without asking them to bet their personal finances on every decision.
The claims come from more directions than people expect: shareholders and investors, employees, competitors, regulators, creditors, and customers can all allege that a leadership decision breached a duty or caused a loss. This is not a public-company issue alone. Private companies and nonprofits face D&O claims regularly, and many nonprofit board members are surprised to learn how exposed they are.
D&O policies are nuanced — the interplay of the coverage sides, the definitions, and the exclusions varies meaningfully between carriers and forms. Getting the right structure for your organization's size and situation is precisely where an independent broker who shops the market and reads the fine print earns their fee.
Defense & damages
Legal costs and settlements when leadership decisions are challenged.
Personal asset protection
Shields directors' and officers' personal finances from covered claims.
Broad claimant sources
Responds to claims from investors, employees, regulators, and others.
WHO IT's FOR
Organizations with a board or leadership team.
Any organization with directors, officers, or a governing board carries D&O exposure — including private companies and nonprofits, not just public corporations.
● Private companies
● Nonprofits & Associations
● Startups with investors
● Companies with a board of directors
● Organizations with outside capital
● Firm's recruiting executive talent
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 insurance companies, 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.
Getting a Quote
Straightforward from here.
1
Tell us about your business
Start a quote request or call. We’ll confirm exactly what your business needs.
2
We shop your coverage
We quote it with multiple insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation with the lowest possible price, 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 we hear the most
Yes. Private companies face D&O claims from investors, employees, competitors, creditors, and regulators. In some respects private-company exposure is broader than public, and the personal assets of your leaders are on the line without coverage.
It can, and many nonprofits carry it specifically to protect volunteer board members. Nonprofit directors are often surprised by their personal exposure — D&O is what makes serving on a board reasonable.
General liability covers bodily injury and property damage. D&O covers financial-harm claims arising from management decisions and governance — a completely different risk. Organizations with leadership exposure typically need both.
It depends on your organization's size, industry, and structure. Because policy forms vary so much between carriers, comparing options matters as much as comparing price. Start a quote or call and we'll shop it and walk you through the differences.
Get your directors & officers (D&O) quote.
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
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