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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Businessowners policy (BOP)
Core coverages, bundled and priced for smaller businesses.
A BOP combines property and general liability — often with business income — into one convenient, cost-effective policy for eligible small and mid-sized businesses. We'll tell you whether a BOP or separate policies fit you better.
WHAT BUSINESSOWNERS POLICY (BOP) COVERS
The essentials, packaged together.
A businessowners policy — a BOP — bundles the coverages most small and mid-sized businesses need into a single package: commercial property and general liability, usually with business income coverage included. Because insurers package these for eligible, lower-risk businesses, a BOP is often more economical than buying the same protection as separate policies.
The convenience is real, but a BOP isn't automatically the right answer. Eligibility depends on your size, industry, and risk profile, and the packaged limits may or may not match your actual exposure. Some businesses are better served by standalone policies that can be tailored more precisely, or by a BOP with specific coverages added on.
That's the judgment an independent agent brings: not just whether you qualify for a BOP, but whether it genuinely serves you better than the alternatives once your real exposures are on the table. We'll run it both ways and show you the difference.
Property coverage
Your building, equipment, inventory, and contents — packaged in.
General liability
Third-party bodily injury and property damage protection, included.
Business income
Lost revenue and continuing expenses after a covered interruption.
WHO IT's FOR
Businesses a BOP is built for.
BOPs are designed for eligible small to mid-sized businesses with relatively standard, lower-hazard operations. Whether you qualify — and whether it's your best option — depends on the specifics.
● Small service businesses
● Many Main-Street businesses
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
A BOP bundles property and liability (and usually business income) into one packaged policy, often at a lower combined cost. Separate policies can be tailored more precisely. We compare both and recommend whichever genuinely fits your business better.
Eligibility depends on your industry, size, and risk profile — insurers reserve BOPs for businesses that fit certain criteria. If you don't qualify, or a BOP doesn't fit, we'll place the right standalone coverages instead.
Not necessarily. A BOP covers the core essentials, but many businesses also need coverages a BOP doesn't include — like commercial auto, workers' compensation, professional liability, or cyber. We'll identify the gaps and round out your program.
Because it bundles coverages for lower-risk businesses, a BOP is often cost-effective — but the actual price depends on your specifics. Let us quote it against the alternatives. Start a quote or call and we will show you the comparison.
Get your businessowners policy (bop) 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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