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
Workers' compensation
Coverage for your employees, required in most states
When an employee is injured on the job, workers' compensation covers their medical care and lost wages — and protects your business from most related lawsuits. and we shop it competitively with multiple insurance companies.
What Workers' compensation covers
Protection for injured workers, and for your business.
Workers' compensation insurance covers the medical costs and a portion of lost wages for employees who are injured or become ill because of their work. In most states it's legally required once you have employees, and it operates as a trade-off: the injured worker receives benefits without having to prove fault, and in return the employer is generally protected from being sued directly for the injury. That protection — employer's liability — is a critical second half of the coverage.
The exposure is universal to employers and doesn't respect industry lines. A warehouse strain, an office repetitive-stress claim, a slip in a restaurant, a serious job-site injury on a construction crew — all of them can trigger medical bills and wage-replacement obligations that a business can't lawfully shift back to the employee. Workers' comp is what turns that obligation into a covered, managed cost.
Premiums are driven by your payroll, the job classifications of your workers, and your claims history through an experience modifier — and those factors can be managed. Correct class codes, good safety practices, and a broker who shops your business (including specialty and state-fund markets like Texas Mutual) can meaningfully affect what you pay year over year.
Medical & wage benefits
Covers injured employees' treatment and a portion of lost income.
Employer's liability
Protects your business from most lawsuits over workplace injuries.
Return-to-work support
Claims handling and programs that help employees recover and return.
WHO IT's FOR
Employers who need to carry it.
In most states, workers' compensation is mandatory once you have employees. Requirements and options vary by state — Texas, for instance, treats it differently than most — and we'll confirm what applies to you.
● Any business with employees
● Multi-state employers
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
In most states, yes — once you have employees, coverage is mandatory, with penalties for going without. Requirements vary by state and by how workers are classified. Texas is a notable exception with its own rules. We'll confirm exactly what applies to your business and states.
Yes. Alongside employee medical and wage benefits, the employer's liability portion generally shields your business from being sued directly over a workplace injury. That protection is a core reason the system exists.
Your experience modifier ("mod") adjusts your premium up or down based on your claims history compared to similar businesses. A good safety record lowers it and your cost. Managing claims and safety directly affects what you pay.
Primarily by your payroll and the class codes of your workers, adjusted by your experience mod. Correct classification alone can change your premium significantly. Start a quote or call and we will shop it, including specialty and state-fund markets.
Get your workers' compensation quote.
Tell us about your firm 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
Core Insurance
Mgmt & Prof Liability
Speciality lines
bonds
©2026 KHT Insurance. All Rights Reserved.