Business Insurance Built Around Your Business.
Compare 20+ A-rated carriers with a dedicated specialist. No obligation, no call center — a real answer within one business day.
“Kevin and team are always getting us the best policies.” — Loretta M.
Same-day COIsIndependent since 2002 · 1,000+ businesses insured · Licensed in 14 states · Same-day COIs
5.0 on Google · Trusted by business owners since 2002
Why KTL
Working with markets like CNA · Philadelphia · Markel · The Hartford · Travelers · Hiscox · Chubb
Trusted by business owners
5★ Google-reviewed. 20+ years of client relationships.
“We have been using KTL Business Insurance for 15+ years. Kevin and team are always getting us the best policies and are very responsive to our requests.”
“I highly recommend Kevin from KTL Business Insurance. He is our business insurance provider that has consistently met our needs for over 20 years. Kevin and his team have always gone the extra mile to ensure that our policies fit our needs.”
“We love working with Kevin and the team from KTL Business Insurance. He is always looking out for our best interest and cares about his clients. Highly recommend!”
Optional tool · Workers' Comp only
Want a quick workers' comp estimate first?
A ballpark range in under a minute — no email required. For an exact number across all your coverages, get your free quote above.
Business Insurance
Comprehensive Coverage Solutions
We architect specific policies that address the unique liabilities of your operation, from core casualty lines to specialized cyber, D&O, and EPLI.
Business Owners Policy (BOP)
Property and liability bundled for small to mid-sized firms — efficient, cost-effective, and broad.
Business Owners Policy (BOP) coverage →General Liability
The foundational shield for third-party bodily injury, property damage, and advertising injury claims.
General Liability coverage →Workers' Compensation
Statutory protection for your most valuable asset — your people — with in-house claims advocacy.
Workers' Compensation coverage →Commercial Auto
Fleet and vehicle protection for businesses in motion, including hired and non-owned coverage.
Commercial Auto coverage →Commercial Property
Physical asset protection from fire, theft, storm, and business interruption.
Commercial Property coverage →Professional Liability
Errors & omissions coverage for professional advice, service delivery, and negligence claims.
Professional Liability coverage →Cyber Liability
Modern protection against data breaches, ransomware, and digital business interruption.
Cyber Liability coverage →Umbrella Insurance
Extended liability limits above your primary policies for catastrophic loss protection.
Umbrella Insurance coverage →Also placed: surety bonds, inland marine, product liability, pollution liability, garage liability, and commercial umbrella programs — ask your specialist.
Home Healthcare Insurance by State
State-specific licensing, work comp, and contract requirements.
Home healthcare requirements vary sharply state to state — HCO bonds in California, AHCA in Florida, DOH in New York. Start with your state.
California
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Texas
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Florida
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New York
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Arizona
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Pennsylvania
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Georgia
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New Jersey
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North Carolina
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Michigan
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Ohio
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Illinois
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Washington
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Most requested: Texas HCSSA insurance requirements, California HCO bond & insurance requirements, and Florida AHCA home care insurance requirements.
Working in another state? Request a quote — We can help businesses in most states, subject to obtaining any required additional licenses before placing coverage and carrier availability.
Coverage by Business Type
Programs built for the way your business actually operates.
Every trade has its own claim patterns, class codes, and contract requirements. These are the programs we place most often.
Cleaning Business Insurance
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Handyman Insurance
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Landscaping Business Insurance
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HVAC Contractor Insurance
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General Contractor Insurance Cost
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Janitorial Insurance
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Plumber Insurance
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Restaurant Insurance Cost
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Medical Office Insurance
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NEMT Insurance
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Home Health vs. Home Care Insurance
Coverage & cost →
NEMT Insurance Cost & Requirements
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NEMT Requirements by State
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Skilled Nursing vs. Assisted Living Insurance
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Trucking Insurance
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Special Event Insurance
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California Contractor Requirements
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California Restaurant & Bar Insurance
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Small Business Insurance
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Marketing Consultant Insurance
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Cyber Insurance for Marketing Agencies
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Professional Liability & GL for Marketing Agencies
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Consultant Insurance
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Technology & IT Insurance
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Dental Office Insurance
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Physical Therapist Insurance
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Occupational Therapist Insurance
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Nonprofit Insurance
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Property Management Insurance
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Real Estate Investor Insurance
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Auto Repair Shop Insurance
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Mobile Mechanic Insurance
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Electrician Insurance
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Painting Contractor Insurance
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Window Cleaning Insurance
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Pressure Washing Insurance
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Pool Service Insurance
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Professional Services Insurance
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How Can We Help?
Review My Current Policy
Already insured? Let us see if your coverage or pricing can be improved.
Upload My PolicyIndustries We Protect
Deep expertise in the industries we know best.
We've placed thousands of policies across niche and mainstream sectors — from contractors and landscapers to restaurants and real estate.
Our Insurance Carriers
Access to top-rated national and regional carriers.
As an independent agency, we shop your risk across 20+ A-rated markets to find the right coverage at the right price.
From the KTL blog
Carrier comparisons, class codes, and coverage guides.
Nevada's New Workers' Comp Laws: What SB 317 Changes for Employers
Nevada SB 317 amended NRS 616A-616D with a staged rollout through 2027 — graduated fines, tighter claim-handling deadlines, higher benefit caps, and a coming drug formulary. Here is the employer's summary.
Read article →Why Consultants Need Insurance: A Practical Guide
A single missed deadline, a data breach, or a client claiming your advice cost them money can wipe out years of consulting income. Here is the coverage every consultant should understand before signing the next contract.
Read article →9 Ways to Lower Your Workers' Comp Premium in 2026
Most businesses overpay for workers' comp because of a wrong class code, an unmanaged ex-mod, or a policy that has not been shopped in years. Here are nine levers that actually move the premium.
Read article →How It Works
Five clear steps. One specialist. Zero runaround.
From first conversation to certificates in your inbox — here's exactly what working with KTL looks like.
Share Your Business
Walk your specialist through the basics — operations, payroll, revenue, locations, and loss history. About 15 minutes, however you prefer to talk.
We Shop the Market
We take your risk to 4–7 A-rated carriers and negotiate limits, deductibles, and pricing on your behalf.
Review Tailored Options
You get 2–3 finalist quotes compared side by side — coverage, exclusions, and total cost in plain English.
Choose & Customize
Pick the program that fits, then fine-tune it — endorsements, limits, and deductibles adjusted to your budget.
Activate Coverage
Sign and pay, and certificates land in your inbox within hours. Your specialist stays on as your single point of contact.
Why Businesses Choose KTL
Two decades of protecting American business.
Deep Carrier Access
We maintain direct appointments with 20+ A-rated carriers so your risk gets benchmarked against the full market each renewal.
Advisor-Led Service
Every account is assigned a dedicated commercial insurance specialist — not a call center queue.
Same-Day Certificates
COIs typically issued the same business day, with complex additional-insured language handled by our team.
Re-Shopped Every Renewal
Every renewal is re-marketed across our A-rated carriers — your premium stays honest and your coverage stays broad, never rubber-stamped.
Three ways to work with KTL — pick what fits.
Whether you're comparison-shopping, just curious what you'd save, or need a callback later — we make it easy to start.
Most Popular
Get a Free Coverage Review
Benchmark your current policy against 20+ A-rated carriers. Reply within 1 business day.
Start review →Free Download
Home Healthcare Coverage Checklist
The 12-point PDF we use to audit HH & hospice agencies before renewal. No email required.
Download PDF →Talk to a Human
Call 858-350-0555
Mon–Fri 8am–5pm PT. Ask us anything — no pressure, no sales script.
Call now →