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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Cyber liability
Coverage for the breach, the ransom, and the aftermath
A data breach or ransomware event triggers costs most businesses can't absorb alone — notification, recovery, liability, and lost income. Cyber liability covers them, and we place it with carriers who bring real incident-response support.
WHAT CYBER LIABILITY COVERS
When your data or systems are compromised.
Cyber liability insurance protects your business from the financial fallout of a data breach, ransomware attack, or other cyber event. Coverage generally spans two sides: first-party costs your own business incurs — breach notification, data recovery, ransom payments, and lost income during downtime — and third-party liability when customers or partners are harmed by a breach of your systems.
The exposure isn't limited to large companies or tech firms. Any business that stores customer data, processes payments, or depends on connected systems is a target, and small businesses are attacked precisely because they're assumed to be less defended. A single incident can bring notification obligations, regulatory scrutiny, and operational shutdown all at once.
One of the most valuable things a cyber policy delivers isn't the payout — it's the response. Strong carriers provide immediate access to incident-response teams, forensic experts, legal counsel, and negotiators the moment something happens. Because cyber forms and services differ dramatically between carriers, matching your business to the right one is where an agent’s guidance matters most.
Breach response & notification
The costs of investigating, notifying, and remediating a data breach.
Ransomware & extortion
Ransom, negotiation, and recovery when your systems are held hostage.
Liability & lost income
Third-party claims and the revenue you lose during downtime.
WHO IT's FOR
Businesses that hold data or run on systems.
Almost every modern business has cyber exposure — if you store customer information, take payments, or rely on connected systems, you're a potential target regardless of size.
● Businesses storing customer data
● Anyone processing payments
● Firms dependent on connected systems
● Small businesses (a frequent target)
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, often more so. Attackers target small businesses precisely because they tend to have lighter defenses. Size doesn't reduce the notification, recovery, and liability costs that follow a breach.
Generally no — standard general liability policies exclude cyber events. Cyber liability is the dedicated coverage for breaches, ransomware, and the response costs that come with them.
For many businesses it's the incident response — immediate access to forensic, legal, and negotiation experts when an event hits. That support often determines how bad an incident becomes. It's a major reason the choice of insurance company matters.
It depends on your data, revenue, industry, and security posture, and carrier offerings vary widely. The best way to compare price and included services is to let us shop it. Start a quote or call and we'll lay out the options.
Get your cyber liability 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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