Privacy Policy

Effective Date: September 16, 2026
Last Updated: September 16, 2026

KHT Insurance ("KHT," "we," "us," or "our") respects your privacy and is committed to protecting the personal information you share with us. This Privacy Policy explains what information we collect through khtinsurance.com (the "Site"), how we use it, who we share it with, and the choices you have.

By using the Site, you agree to the terms of this Privacy Policy. If you do not agree, please do not use the Site.

Information we collect

Information you provide directly

We collect information you voluntarily submit through forms on the Site, including:

• Contact and quote request forms — name, business name, phone number, email address, the type(s) of insurance you're interested in, and your preferred method of contact.
• Professional liability applications — if you apply for professional liability coverage (for example, as an architect or engineer), we collect more detailed information about you and your business, which may include business history, prior claims or coverage history, revenue or financial information, and other underwriting details necessary to obtain a quote from an insurance carrier.
• General inquiries — any information you include when contacting us by email, phone, or contact form.

Information collected automatically

When you visit the Site, we and our third-party service providers may automatically collect certain information through cookies, pixels, and similar technologies, including:

• IP address, browser type, device type, and operating system
• Pages viewed, time spent on pages, referring/exit pages, and click activity
• General geographic location (city/region level, inferred from IP address)

We use tools such as Google Analytics to understand how visitors use the Site, and Google Ads and Meta (Facebook/Instagram) advertising pixels to measure the effectiveness of our online advertising and to show relevant ads to people who have visited our Site. These providers may use cookies and similar technologies to collect information about your activity on this and other websites.

How we use your information

We use the information we collect to:

• Respond to quote requests and general inquiries
• Prepare and submit applications to insurance carriers on your behalf
• Provide ongoing service to existing policyholders (for example, servicing your policy, processing endorsements, or assisting with claims)
• Communicate with you about your request, application, or policy, by phone, email, or text, based on your stated preference
• Improve and maintain the Site
• Measure and improve the performance of our advertising campaigns
• Comply with legal, regulatory, and licensing obligations

We do not sell your personal information to third parties for their own marketing purposes.

How we share your information

We may share your information with:

• Insurance carriers and underwriters — to obtain quotes, bind coverage, or service a policy. Carriers we currently work with may include Hartford, Travelers, Progressive Commercial, Texas Mutual, Berkley Southwest, USLI, RLI, Merchants Bonding, CNA Surety, Hartford Steam Boiler, Hiscox, Lloyd's of London, Liberty Mutual, AIG, and others as our carrier relationships change.
• Service providers — vendors who help us operate the Site and our business (for example, website hosting, email delivery, and analytics providers), who are only permitted to use your information to perform services on our behalf.
• Legal and safety purposes — if required by law, subpoena, or legal process, or to protect the rights, property, or safety of KHT, our customers, or others.
• Business transfers — in connection with a merger, acquisition, or sale of assets, subject to standard confidentiality protections.

Third-party payment and claims links. The Site provides links to make payments or report claims directly with our carrier partners (for example, Hartford, Travelers, Progressive Commercial). When you use those links, you leave our Site and are subject to that carrier's own privacy policy and terms — we do not control and are not responsible for their practices.

Cookies and tracking technologies

The Site uses cookies and similar technologies for analytics (Google Analytics) and advertising (Google Ads, Meta Pixel). You can control cookies through your browser settings, and you can opt out of interest-based advertising through tools such as the Google Ads Settings page (adssettings.google.com), Meta's ad preferences (facebook.com/adpreferences), or the Digital Advertising Alliance opt-out page (optout.aboutads.info). Disabling cookies may affect how the Site functions.

Your choices

• Marketing communications. You may opt out of receiving marketing emails from us at any time by using the unsubscribe link in the email or by contacting us directly. Note that even after opting out of marketing, we may still contact you regarding an active quote request, application, or policy.
• Phone and text preferences. If you provide a phone number and select a preferred contact method, we will use that preference for outreach related to your request where reasonably possible.
• Access and deletion requests. Depending on your state of residence, you may have rights to request access to, correction of, or deletion of your personal information. To make a request, contact us using the information in Section 8 below.

Residents of certain states (for example, Colorado, where we are licensed) may have additional rights under applicable state privacy law. We will honor verified requests consistent with applicable law and our recordkeeping obligations as a licensed insurance agency.

Data retention

We retain personal information for as long as necessary to service your policy, respond to your inquiry, and comply with applicable insurance recordkeeping, regulatory, and legal requirements. Retention periods vary depending on the type of information and the state(s) in which the related policy was written.

Data security

We use reasonable administrative, technical, and physical safeguards designed to protect your personal information. However, no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

Contact us

If you have questions about this Privacy Policy or wish to exercise any of the rights described above, contact us at:

KHT Insurance Email: info@khtinsurance.com Phone: 817-336-2721 Toll Free: 800-814-6470 Fax: 817-870-2520 Website: www.khtinsurance.com

Licensed states

KHT Insurance is a licensed insurance agency operating in the following states: Texas, Colorado, Louisiana, Maryland, Missouri, New York, Ohio, Oklahoma, and Pennsylvania. Insurance products and services described on this Site may not be available in all states.

Children's privacy

The Site is intended for business owners and professionals seeking commercial insurance and is not directed at children under 13. We do not knowingly collect personal information from children.

Changes to this policy

We may update this Privacy Policy from time to time to reflect changes in our practices or for legal or regulatory reasons. The "Last Updated" date at the top of this page reflects the most recent revision. We encourage you to review this page periodically.