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
Professional Liability Insurance
Protection when your expertise is on the line
If a client claims your work caused them a loss, professional liability — errors & omissions — covers your defense and the damages. We shop it across multiple carriers and recommend the best-fit, best-priced option.
What professional liability covers
Protection when your expertise is on the line.
Professional liability — also called errors & omissions (E&O) — protects you when a client claims that your professional advice, services, or work caused them a financial loss. General liability covers physical risks like a visitor injured at your office; professional liability covers the risk that lives in your actual work product: a design that didn't perform, a report that missed something, or a recommendation a client relied on.
(Claims in this category rarely turn on) Professional Liability claims don’t depend on whether you did anything wrong. A completely groundless allegation can still take months and tens of thousands of dollars to resolve. Professional liability pays even if you are not a fault, and is what stands between that expense and your balance sheet.
Because the exposure looks different for every profession, so does the right policy. The application, the limits, the retroactive date, and the insurance companies who compete for your business all depend on what you do and how you do it. That's where an independent agent earns their keep — matching your specific work to the market that prices it best, rather than fitting you into a single insurance company’s box.
Negligence & errors
Defense and damages if a client alleges your work fell short of what was promised.
Legal defense costs
Covered even when the claim is unfounded — and defending a groundless claim can cost thousands.
Missed deadlines & omissions
Failure to deliver your professional services as promised, on the terms you agreed to.
WHO IT's FOR
Professions we commonly place.
● Consultants
● Accountants
● Technology/IT
● Design firms
● Other professional services
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 — they're two names for the same coverage. "Professional liability" and "errors & omissions (E&O)" refer to the same protection against claims that your professional work or advice caused a client a loss. Some industries lean toward one term over the other, but the policy does the same job.
Yes - they cover different risks. General liability handles third-party bodily injury and property damage — someone slips in your office. Professional liability handles claims about your actual work: a design flaw, a missed deadline, advice that didn't pan out. Most professional firms carry both.
It depends on your profession, your contracts, and what your clients require of you. Many client and vendor agreements specify a minimum limit. We'll look at your situation and recommend limits that fit your real exposure.
Premiums vary widely by profession, revenue, claims history, and the limits you carry. Rather than guess, the fastest way to a real number is to let us shop it (across our carriers) with our insurance companies — start a quote or call and we'll get you a comparison.
Get your professional 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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