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 Wholesalers & Distributors
We place every line a distributor needs — commercial auto, workers' comp, umbrella and more — and we lead with the coverage that follows the goods: product liability, shopped across the carriers that understand distribution.
A full program, led by Product liability
Every coverage the warehouse requires — starting with the risk that follows the goods.
KHT places the complete commercial program for wholesalers and distributors: commercial property for the warehouse and inventory, commercial auto for the fleet, product liability, workers' compensation, umbrella, and the business owner's policy that bundles the essentials. Whatever your operation carries, we can quote it and bring it under one roof — so your certificates and renewals stop being a scramble across separate companies.
But we lead with product liability, because liability follows the goods you distribute downstream — even though you didn't manufacture them.
Product Liability & Distribution Risk
The exposure that follows product downstream: a good you distributed is alleged to have caused harm, and the claim can land on you even though you didn't make it.
It's also priced differently by what you move. A food distributor, a building-products wholesaler, and an equipment distributor 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 operation to the market that prices it best, instead of a one-size quote.
Property & inventory
The warehouse and the goods inside it — covered against fire, theft, and the damage that turns stock into a loss.
Commercial auto & fleet
The trucks and drivers moving your product, covered against the accidents that come with miles on the road.
Product liability
Claims tied to the goods you distribute — the exposure that follows product downstream even when you didn't make 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.
Distributors we place
Built for the range of wholesale and distribution.
What you move drives what you need, so we don't hand every distributor the same form. Tell us what you distribute and we'll ask what that operation actually requires.
● Food & beverage distributors
● Building-products wholesalers
● Industrial & equipment
● Auto parts
● Apparel & textiles
● Electronics distributors
● Medical & lab supply
● Import/Export
● Janitorial & packaging supply
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 map the operation
We look at what you distribute, your inventory value, your fleet, and your revenue — and place it with insurance companies who price wholesalers 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 on a thin margin.
As you grow
The program scales
More trucks, more inventory, a new line of goods — we adjust coverage so it matches the operation 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 Wholesalers ask.
Often, yes. Liability can follow product downstream to distributors and wholesalers, not just the manufacturer. If a good you distributed is alleged to have caused harm, product liability responds. We'll size it to what you move.
Commercial auto covers the vehicles and drivers moving your product, from a couple of box trucks to a full fleet. We'll structure it around how many vehicles you run and how far they travel.
Commercial property responds to inventory lost to covered events like fire and theft. Because a warehouse concentrates so much value, we'll set the limit carefully against your real inventory numbers.
Yes. Retailers and buyers often require additional-insured status and specific limits in a distribution agreement. Send us the requirements and we'll place coverage that meets them, then issue the certificate.
Yes — that's how we prefer to do it. One independent broker across the whole program means one renewal cycle, one point of contact, and no gaps between separately managed policies.
No. Many distributors come to us for product liability or fleet coverage first, then consolidate the rest later. There's no requirement — product liability is where we lead.
Quote your wholesale & distribution coverage.
Start with product liability or your whole program — 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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