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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Commercial property Insurance
Protection for the physical assets your business owns or leases.
Your building, inventory, equipment, and furnishings represent real money. Commercial property coverage repairs or replaces them after a covered loss — and we shop it to make sure you're not overpaying.
WHAT COMMERCIAL PROPERTY COVERS
The building, the contents, and what you can't run your business without.
Commercial property insurance protects the physical assets your business depends on — the building you own or lease, and the contents inside it: inventory, equipment, furniture, fixtures, and supplies. When a covered event like fire, theft, vandalism, or certain weather damages those assets, the policy pays to repair or replace them so you can get back to business.
The part businesses underestimate is what a loss actually costs. It isn't just the damaged property — it's the weeks you can't operate while you rebuild. That's why property coverage is often paired with business income (business interruption) coverage, which replaces lost revenue and covers ongoing expenses like payroll and rent while you recover.
How your property is valued matters as much as whether it's covered. Replacement cost versus actual cash value, the limits you carry, and the perils included all shape whether a claim actually makes you whole. Getting those details right — for your specific building and contents — is exactly what an independent (broker) agent shopping multiple (carriers) insurance companies is for.
Buildings & structures
Repair or replacement of owned or leased structures after a covered loss.
Contents & equipment
Inventory, machinery, furniture, and fixtures — the property inside your walls.
Business income
Lost revenue and continuing expenses while you recover from a covered loss.
WHO IT's FOR
Businesses with property to protect.
Any business with a physical footprint — owned or leased — has property exposure. The more your operation depends on physical space, inventory, or equipment, the more essential this coverage becomes.
● Any business with valuable property or equipment
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 standard property policy covers sudden, accidental physical loss — fire, theft, certain weather. Mechanical or electrical breakdown of equipment is typically handled by separate equipment breakdown coverage, which we can quote alongside your property policy.
Replacement cost pays what it takes to replace an item with a new one of like kind. Actual cash value subtracts depreciation, so you receive less on older property. Which basis your policy uses has a major effect on how whole a claim leaves you — we'll make sure you understand it before you bind.
Usually yes — for your contents. Your landlord's policy covers the building structure, but not your inventory, equipment, furniture, or improvements you've made. Your lease will often spell out what you're required to carry.
It varies with the value of your property, construction type, location, and the perils you include. The best way to a real figure is to let us shop it with multiple insurance companies. Start a quote or call and we'll put together a comparison.
Get your commercial property 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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