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
Commercial Umbrella Insurance
Extra limits for the claim that exceeds everything else
When a serious claim blows past the limits of your general liability, auto, or employer's liability, a commercial umbrella extends your protection. It's inexpensive relative to the exposure it covers — and we size it to your real risk.
What Commercial umbrella covers
One more layer, over the policies you already carry.
A commercial umbrella policy provides an additional layer of liability protection that sits on top of your underlying policies — typically general liability, commercial auto, and employer's liability under workers' compensation. When a covered claim exhausts the limits of one of those policies, the umbrella picks up where it leaves off, up to its own much higher limit.
The reason to carry one is simple: severe claims happen, and their cost isn't capped by your comfort level. A single serious auto accident or liability judgment can easily exceed a standard policy limit, and once the underlying coverage is used up, the business itself is exposed for the rest. An umbrella is what keeps a catastrophic claim from becoming a threat to the company's survival.
Umbrellas are also frequently required — larger contracts, leases, and clients often specify a minimum total liability limit that only an umbrella can reach. Because the umbrella is priced off your underlying coverage, structuring both together is where a broker shopping the whole program keeps your cost efficient.
Excess liability limits
Additional protection above your general liability, auto, and employer's liability limits.
Catastrophic claims
Responds to the severe, high-dollar claim that exhausts an underlying policy.
Contract requirements
Meets the higher total limits that larger clients and leases require.
WHO IT's FOR
Businesses with real exposure to a large claim.
Umbrella coverage makes sense for any business whose potential liability could exceed its standard limits — which is most businesses that interact with the public, drive, or sign larger contracts.
● Any business bidding larger contracts
● Businesses with vehicle fleets
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
An umbrella sits over several underlying policies at once — general liability, auto, and employer's liability — so it can be a more cost-effective way to add high limits across all of them than raising each policy individually. We'll compare both approaches for your situation.
Yes. An umbrella requires specified underlying policies at set minimum limits — it extends them, it doesn't replace them. We structure the underlying coverage and the umbrella together so there are no gaps between the layers.
It depends on your assets, your exposure, and any contractual requirements. Limits are commonly written in million-dollar increments. We'll recommend a limit matched to your real risk.
It's usually one of the most cost-efficient coverages relative to the protection it buys, because it only responds to large claims. The best way to see the actual cost is to let us quote it — start a quote or call and we'll show you the numbers.
Get your commercial umbrella 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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