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
General Liability Insurance
The foundation policy nearly every business carries
If someone is injured or their property is damaged because of your business, general liability covers the defense and the damages. It's the coverage clients, landlords, and contracts ask for by name — and we shop it with multiple insurance companies to price it right.
What General liability covers
The everyday risks of being open for business.
General liability — often written as a Commercial General Liability (CGL) policy — protects your business against the most common third-party claims: someone gets hurt on your premises, your work damages a customer's property, or your advertising is accused of harming a competitor. It's the policy that responds when the ordinary act of doing business causes harm to someone outside your company.
Most claims here aren't dramatic. A customer slips on a wet floor. A contractor's ladder dents a client's car. A delivery damages a countertop. Individually small, these incidents can still generate real legal and medical costs — and general liability covers both the defense and any resulting settlement, up to your limits.
General liability is also the coverage the outside world checks for. Commercial leases, client contracts, and vendor agreements routinely require it and ask for a certificate of insurance naming them as an additional insured. Because the requirements and pricing vary widely by industry, matching your business to the right carrier and limits is where an independent broker adds real value.
Bodily injury
Defense and damages when a third party is hurt because of your business or on your premises.
Property damage
Covers damage your business or your work causes to someone else's property.
Personal & advertising injury
Claims like libel, slander, or advertising that's alleged to harm a competitor.
WHO IT's FOR
Businesses that carry it.
Nearly every commercial operation carries general liability — it's the baseline. It's especially essential where you interact with the public, work on client premises, or sign contracts that require proof of coverage.
● Service businesses of every kind
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
General liability covers physical risks — bodily injury and property damage to third parties. Professional liability covers claims about the quality of your professional work or advice. Many businesses need both; they respond to entirely different kinds of claims.
Often, yes. Even without a physical location open to the public, your work can damage a client's property or your contracts may require coverage. If you sign agreements with clients or vendors, they frequently mandate general liability.
A certificate of insurance is proof that your policy is active, often required by clients and landlords. Once you're covered through KHT, requesting a certificate is quick and simple.
It depends on your industry, size, revenue, and claims history — a low-risk office is priced very differently from a roofing contractor. The fastest way to a real number is to let us shop it with our insurance companies. Start a quote or call and we'll get you a comparison.
Get your professional liability 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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