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
Insurance for Contractors
We place every line a contractor needs — general liability, commercial auto, workers' comp, tools and equipment, umbrella and more — and we lead with the coverage that gets you on the job: general liability, quoted fast and shopped hard on price.
A full program, led by GL
Every coverage the job requires — starting with the one that gets you on site.
KHT places the complete commercial program for contractors: general liability, commercial auto, workers' compensation, tools and equipment umbrella, and the business owner's policy that bundles the essentials. Whatever your operation carries, we can quote it and bring it under one roof — so your certificates, renewals, and changes stop being a scramble across four different companies.
General Liability
The policy that gets asked for first — third-party injury and property damage tied to your work, during the job and after you've finished and left the site.
It's also the coverage priced most differently from trade to trade. An electrician, a roofer, and a concrete contractor don't face the same claims — and the carriers who compete for each aren't the same either.
That's what an independent broker is for: matching your trade to the market that prices it best, and turning a certificate around when a job is waiting on it.
General liability
Third-party injury and property damage — during the job and after you've finished and left the site.
Tools, equipment & commercial auto
The gear you haul and the trucks you run, covered against theft, damage, and the accidents that happen on the road.
Workers' compensation
Medical and wage coverage when a crew member is hurt — required to keep you on most jobs and to keep your people protected.
If your business needs it, we likely write it.
Eighteen commercial lines across four areas — from the policies every business carries to specialty and surety coverage.
trades we place
Built for the artisan and trade contractor.
Every trade carries a slightly different risk, so there's no one-size contractor application. Tell us your trade and we'll ask only what that trade actually needs — no filling out a form only to get hit with thirty more questions.
● Electricians
● Plumbers
● HVAC contractors
● General contractors
● Carpenters & framers
● Concrete & masonry
● Roofers
● Landscapers
● Painters
● Remodelers
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 carriers, 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.
The renewal difference
Coverage that keeps up with the work.
Contractors don't have time to chase certificates or wait on a renewal that lands the day it expires. Here's how we keep your coverage ahead of the job instead of behind it.
DAY ONE
Fast certificates
Need a COI to get on a job? We turn certificates around quickly so a missing document never costs you a start date.
AHEAD OF RENEWAL
We quote early
Your renewal gets shopped well before expiration — so you're comparing real options, not rubber-stamping a last-minute number.
AS YOU GROW
The program scales
New trucks, new crew, a bigger job — we adjust the program as the business changes so your coverage matches what you're actually doing.
Getting a Quote
Straightforward from here.
1
Tell us about your firm
We quote your renewal well ahead of expiration — time to review and compare, not a take-it-or-leave-it the day before.
2
We shop your coverage
We quote it with multiple top-rated insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation — the lowest qualified quote, 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 Contractors ask.
For most contractors, yes. GL covers third-party claims, but it won't pay for your stolen tools, a wrecked work truck, or an injured crew member. We build the full program so you're not exposed on the lines GL doesn't touch — and you can still start with GL if that's the immediate need.
Quickly. We know a COI is often what stands between you and getting on the job, so certificate requests are a priority — call or email and we'll turn it around.
Yes. Contractor's equipment and tools coverage protects the gear you haul from job to job against theft and damage, whether it's on the truck, on the site, or in storage. We'll size it to what you actually carry.
Almost always. GCs and project owners routinely dictate minimum GL limits and additional-insured status before you can start. Send us the contract or insurance requirements and we'll place coverage that meets them, then issue the certificate.
Yes. We place workers' compensation alongside your GL, auto, and equipment so it's all with one broker — one renewal cycle, one point of contact, no juggling four companies.
No. Many contractors come to us for general liability or a certificate first. If it makes sense to consolidate the rest of the program later, we're glad to — but there's no requirement.
Quote your contractor coverage.
Start with general liability or your whole program — 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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