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 Retail
We place every line a store needs — crime, cyber, workers' comp and more — and we lead with the coverage that protects the storefront and the stock: a businessowners policy, shopped across carriers for the best qualified price.
A full program, led by the BOP
Every coverage the store requires — starting with the one that covers property and liability together.
KHT places the complete program for retailers: a businessowners policy that bundles property and general liability, plus crime coverage for theft, cyber coverage if you take cards, workers' compensation for staff, and umbrella. Whatever your store carries, we can quote it and bring it under one roof — so your renewals and certificates stop being a scramble across separate companies.
But we lead with the businessowners policy, because it's the foundation every store needs — protecting the buildout, the inventory, and the customers who walk in.
Businessowners Policy (Property + Liability)
Retail concentrates risk in one place: inventory that's capital on shelves, a buildout you've invested in, and a steady flow of customers — and the slip-and-fall and product claims that come with them.
It's also priced differently by category. A boutique, a convenience store, and a specialty shop 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 store to the market that prices it best, instead of a one-size quote.
Property & inventory
Your buildout, fixtures, and the stock on your shelves — covered against fire, theft, and the damage that turns inventory into a loss.
General liability
Defense and damages when a customer is injured in your store or a product you sold is alleged to have caused harm.
Crime & cyber
Protection against theft and, if you take cards and hold customer data, the breach exposure that comes with it.
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.
Stores we place
Built for the range of retail.
What you sell drives what you need, so we don't hand every store the same form. Tell us your category and we'll ask what that kind of retail actually requires.
● Boutiques & apparel
● Convenience stores
● Specialty retail
● Gift & home shops
● Hardware & garden
● Electronics
● Furniture
● Grocery & markets
● Salons & spas
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 store
We look at what you sell, your inventory value, your location, and your sales — and place it with carriers who price retail fairly.
Ahead of renewal
We quote early
Your renewal gets shopped well before expiration, so you're comparing real options instead of accepting a last-minute number.
As you grow
The program scales
More inventory, a second location, an online storefront — we adjust coverage so it matches the business as it actually is.
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 Retail ask.
A BOP bundles commercial property — your buildout, fixtures, and inventory — with general liability for customer injuries and product claims. It's a cost-effective foundation for most retailers, and we build from there with crime, cyber, and workers' comp as needed.
Property coverage responds to inventory lost to a covered event like fire or theft. We'll set the limit against the real value of what you carry so you're not underinsured when it matters.
It's worth serious consideration. Accepting cards and holding customer data creates breach exposure, and cyber coverage handles breach response and the liability that follows. We'll explain how it fits your store.
Yes. Retail leases routinely require coverage, specific limits, and naming the landlord as additional insured. Send us the lease requirements and we'll place coverage that meets them, then issue the certificate.
Yes. Many retailers sell in-store and online, and we'll structure coverage that accounts for both — under one broker, one renewal cycle, one point of contact.
No. Many stores come to us for the BOP first, then consolidate the rest later. There's no requirement — the BOP is where we lead.
Quote your retail coverage.
Start with a businessowners policy or your whole program — tell us about the store 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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