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
Insurance for Professionals
We place every line a professional practice needs — general liability, BOP, cyber, workers' comp and more — and we lead with the coverage that protects your judgment: professional liability, shopped for the best qualified price.
A full program, led by E&O
Every coverage a practice needs — starting with the one that insures your judgment.
KHT places the complete program for professional practices: professional liability, general liability, the business owner's policy, cyber coverage for the client data you hold, and workers' compensation for staff. Whatever your practice carries, we can quote it and bring it under one roof — without making you chase separate agents for separate policies.
But we lead with professional liability, because when your work is advice or a service, that's the coverage that matters most — and the one online tools handle worst.
Professional Liability (E&O)
Not a slip in the lobby — the risk in the work itself: a recommendation, an analysis, or a service a client later alleges cost them money.
It's also priced differently by profession. A consultant, an accountant, an IT services firm, and an agency don't face the same claims — and the carriers who compete for each aren't the same.
That's what an independent broker is for: matching your field to the market that prices it best, instead of a template quote.
Errors & omissions
Defense and damages when a client alleges your professional work, advice, or a mistake in it caused them a financial loss.
Legal defense costs
Covered even when the claim is groundless — and defending a professional allegation is where much of the real cost lives.
Cyber & client data
Protection for the client information you hold — breach response and liability when sensitive data is exposed.
If your business needs it, we likely write it.
Eighteen commercial lines across four areas — from the policies every business carries to specialty and surety coverage.
Disciplines we place
Built for the range of professional practice.
We don't write lawyers — but across most other professional fields, tell us what you do and we'll ask only what your profession's coverage actually requires.
● Consultants
● Accountants & bookkeepers
● Insurance & real estate professionals
● IT & technology services
● Marketing & creative agencies
● Staffing firms
● Financial & advisory services
● Notaries & title services
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 carriers, 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.
The renewal difference
Why timing is the A&E hot button.
Most design firms don't switch brokers because of a claim. They switch because their current broker put them in a corner — renewal terms the day before expiration, no time to shop. Here's how we run it instead.
At placement
We match the practice
We look at your field, your services, your revenue, and your states — and place your E&O with carriers who actually understand your profession.
Ahead of renewal
We quote early
Your renewal gets shopped well before expiration — real time to compare, not a take-it-or-leave-it the day before.
As you grow
The program keeps up
New services, more staff, another state — we adjust coverage so it matches what the practice actually does now.
Getting a Quote
Straightforward from here.
1
Tell us about your firm
We quote your renewal well ahead of expiration — time to review and compare, not a take-it-or-leave-it the day before.
2
We shop your coverage
We quote it with multiple top-rated insurance companies and compare the options side by side.
3
We recommend the best option
You get our recommendation — the lowest qualified quote, 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 Professionals ask.
General liability covers bodily injury and property damage — someone hurt in your office. Professional liability (E&O) covers claims that your professional work or advice caused a financial loss. Most practices need both, and we place them together.
Yes. A clean record doesn't prevent an unhappy client from alleging your work cost them money, and defense alone — even on a groundless claim — can be expensive. E&O exists to absorb exactly that.
If you hold client information, a breach is a real exposure. Cyber coverage handles breach response and the liability that follows a data incident. We'll fold it into the program alongside your E&O.
Almost always. Client contracts often dictate a minimum professional liability limit before you can be engaged. Send us the language and we'll place coverage that meets it, then issue the certificate that proves it.
Yes. Many clients come to us for professional liability first, then consolidate their general liability, BOP, cyber, and workers' comp with us — one broker, one renewal cycle, one point of contact.
No. Many practices come to us for E&O first. If it makes sense to consolidate the rest later, we're glad to — but there's no requirement, and E&O is where we lead.
Quote your professional coverage.
Start with professional liability or your whole program — tell us what you do and where you practice, 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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