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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Crime
Protection against theft, fraud, and dishonesty
The losses that come from inside and out — employee theft, forgery, fraud, and funds transfer schemes — aren't covered by a standard property policy. Commercial crime coverage is, and we place it to match how your money actually moves.
WHAT CRIME COVERS
The losses a property policy leaves out.
Commercial crime insurance protects your business against financial loss from theft, fraud, and dishonesty — including losses caused by your own employees. It covers exposures a standard property policy specifically excludes: employee theft of money or property, forgery, robbery, and increasingly the social-engineering and funds-transfer fraud schemes that trick businesses into sending money to criminals.
The internal exposure is the one businesses most underestimate. Employee dishonesty is one of the most common and costly crime losses, and it often goes undetected for a long time before it surfaces. Owners tend to trust their teams — reasonably — but crime coverage exists precisely because trust isn't a financial control, and a single scheme can run into serious money.
The external threats have evolved quickly. Fraudulent instruction, fake-vendor schemes, and impersonation of executives now cause losses that older policies didn't anticipate, and coverage for them varies significantly between forms. Matching your business — and the specific ways money moves through it — to a policy that actually covers those methods is where a knowledgeable agent protects you.
Employee theft
Loss of money, securities, or property caused by your own employees.
Forgery & fraud
Forged instruments, counterfeit currency, and fraudulent transactions.
Funds transfer & social engineering
Schemes that trick your business into transferring money to criminals.
WHO IT's FOR
Businesses that handle money and property.
Any business with employees, cash flow, or valuable inventory carries crime exposure — and the internal risk exists no matter how much you trust your team.
● Business is handling cash or payments
● Companies with vendor payment processes
● Firms with inventory or valuables
● Any business with employees
● Organizations moving funds electronically
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
Only in limited ways. Standard property policies typically exclude employee theft and many fraud schemes. Commercial crime coverage is the policy built for dishonesty, forgery, and funds-transfer fraud.
Trust and financial controls are different things. Employee dishonesty is among the most common crime losses and often goes undetected for a long time. Coverage protects the business regardless of how much you trust your team.
It can, but coverage for fraudulent-instruction and social-engineering schemes varies significantly by policy — some include it, some require it be added. Because these schemes are now so common, we make sure your form actually addresses them.
By your business size, number of employees, how money and inventory move through your operation, and the limits you choose. Start a quote or call and we will shop it and confirm the right coverage extensions.
Get your crime 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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