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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Pollution
Coverage for environmental exposures standard policies exclude
Most general liability and property policies specifically exclude pollution. If your operations carry any environmental risk, pollution liability covers the cleanup, the third-party claims, and the defense — and we place it with specialty environmental insurance companies.
WHAT POLLUTION COVERS
The exclusion in nearly every standard policy.
Pollution or environmental liability insurance covers claims and costs arising from pollution conditions your business causes or is responsible for — cleanup of contaminated soil or water, third-party bodily injury and property damage from a release, and the legal defense that follows. It exists because standard general liability and property policies contain broad pollution exclusions, leaving a significant gap for many businesses.
The exposure is broader than people assume. It isn't only heavy industry — contractors, property owners, manufacturers, and service businesses can all trigger environmental claims through spills, runoff, mold, fuel leaks, or contamination discovered on a site. And environmental cleanup costs are among the largest a business can face, often driven by regulation rather than a lawsuit.
Environmental coverage is a specialty market with many forms — contractors' pollution liability, site pollution, and combined forms each address different situations. Because the wording determines whether a given exposure is actually covered, working with an agent who knows these insurance companies and reads the forms closely is essential to getting protection that responds when you need it.
Cleanup costs
Remediation of contamination your operations cause or are responsible for.
Third-party claims
Bodily injury and property damage others suffer from a pollution event.
Legal defense
Defense costs, including regulatory actions and government-ordered cleanup.
WHO IT's FOR
Businesses with environmental exposure.
Environmental risk reaches well beyond obvious industrial operations. If your work involves substances, sites, or processes that could cause contamination, standard policies likely won't respond.
● Waste & environmental services
● Fuel, chemical, & agricultural operations
● Service businesses with site exposure
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
Almost never. Standard general liability and property policies contain broad pollution exclusions. Pollution liability is the dedicated coverage that fills that gap — without it, environmental claims fall to the business directly.
Often, yes. Contractors, property owners, and many service businesses face environmental exposure through spills, runoff, mold, or contamination discovered on a site. The exclusion in your standard policy applies regardless of your industry.
Common forms include contractors' pollution liability (for work you perform) and site pollution liability (for locations you own or operate), plus combined forms. Which one fits depends on your operations — we'll match you to the right structure.
It's a specialty market priced on your operations, sites, and history. Because forms vary so much, comparing wording matters as much as comparing price. Start a quote or call and we will shop the environmental insurance companies for you.
Get your pollution 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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