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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Bonds
The bonds your business needs to bid, build, and comply
A bond isn't insurance — it's a financial guarantee to someone else that you'll perform or pay. Contract, license, and court bonds are required to win work and stay compliant, and we place them multiple top-rated bond companies to get you approved and priced right.
What BONDS covers
A guarantee that stands behind your obligations.
Surety bonds are a three-party guarantee: the surety (backed by an insurer) assures a third party — the obligee — that your business will meet a specific obligation. If you don't, the surety makes the obligee whole and you reimburse the surety. Unlike insurance, which protects you against your own losses, a bond protects the party requiring it — which is why bonds are so often mandated to do business at all.
The bonds businesses need fall into a few families. Contract bonds — bid, performance, and payment bonds — are essential in construction, guaranteeing you'll take a project you bid and complete it while paying your subs and suppliers. License and permit bonds are required by government agencies to hold certain licenses or operate in regulated trades. Court and fiduciary bonds guarantee obligations in legal and estate matters.
Because a bond is a form of credit, approval and pricing hinge on your financial strength, experience, and the surety's confidence in you — and different sureties view the same business very differently. Building the right relationship with the right surety market, and structuring your bonding capacity to grow with your work, is exactly where an experienced broker makes the difference between winning work and being turned away.
Contract bonds
Bid, performance, and payment bonds for construction and project work.
License & permit bonds
Bonds required by government agencies to hold a license or operate.
Court & fiduciary bonds
Guarantees for legal proceedings, estates, and fiduciary duties.
WHO IT's FOR
Businesses that need to be bonded.
If you bid public or private construction work, hold a regulated license, or have a legal or fiduciary obligation, you'll likely be required to post a bond — and getting approved is its own process.
● Developers & builders
● Licensed & regulated trades
● Auto dealers & brokers
● Businesses needing permit bonds
● Fiduciaries & estate administrators
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
No. Insurance protects you against your own losses. A bond guarantees your performance or payment to a third party — and if the surety pays a claim, you reimburse it. A bond is closer to a form of credit than to insurance.
A bid bond guarantees you'll take a project if your bid is accepted. A performance bond guarantees you'll complete it per the contract. A payment bond guarantees you'll pay your subcontractors and suppliers. Public and larger private projects often require all three.
Surety approval is based on your financial strength, credit, experience, and track record — it's an underwriting of your ability to perform. Different sureties assess the same business differently, which is why market relationships matter. We match you to the surety most likely to approve and price you well.
Bond premiums are typically a percentage of the bond amount, driven by your financials, the bond type, and the surety's view of the risk. Start a quote or call with your bonding needs and we'll place it with our bond companies.
Get your bonds quote.
Tell us about your firm 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
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