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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Equipment insurance
Coverage for equipment on the move and on the job
Standard property policies cover property at your location — not tools, machinery, and equipment that travel to job sites. Equipment coverage (inland marine) follows your assets wherever the work takes them.
WHAT EQUIPMENT INSURANCE COVERS
Property that doesn't stay put needs coverage that moves.
Equipment insurance — often written as inland marine coverage — protects the movable, high-value property your business uses to do its work: tools, machinery, mobile equipment, and gear that travels between locations and job sites. Standard commercial property policies are built around a fixed location, so property in transit or away from your premises frequently falls outside their coverage. Inland marine closes that gap.
For many trades and service businesses, this equipment is the business — losing it to theft, damage, or an accident away from the shop doesn't just cost money, it stops work entirely. Equipment coverage responds to those losses wherever they happen: on the road, at a client's site, or in temporary storage, up to the limits and on the terms you select.
Related forms — contractors' equipment, installation floaters, motor truck cargo, and scheduled versus blanket coverage — address different needs, and how your equipment is valued and scheduled has a large effect on how a claim pays. Getting that structure right for your specific gear is exactly what an independent agent shopping specialty insurance companies provides.
Tools & mobile equipment
Coverage for movable equipment on job sites and in transit.
Machinery & specialized gear
High-value equipment central to how your business operates.
Property away from premises
Losses that occur off-site, on the road, or in temporary storage.
WHO IT's FOR
Businesses whose equipment travels.
If your valuable equipment leaves your premises to get the job done, standard property coverage likely won't follow it. Inland marine is built for exactly that.
● Landscapers and excavators
● Equipment & tool-dependent services
● Installers & fabricators
● Photographers & media crews
● Any business with mobile assets
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 while it's at your covered location. Standard commercial property coverage generally doesn't follow equipment to job sites or in transit — that's what equipment/inland marine coverage is for.
It's an insurance term for coverage of movable property and property in transit — a historical name that has nothing to do with boats. In practice it's the category that covers tools, equipment, and goods on the move.
It depends on your equipment. High-value items are often individually scheduled, while smaller tools can be covered under a blanket limit. We'll structure it so your important assets are properly valued and covered.
By the type, value, and mobility of your equipment and your loss history. Start a quote or call and we will shop it across the specialty carriers and structure it to your gear.
Get your equipment insurance 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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