An independent commercial insurance agency, built for business owners.

KTL Business Insurance was founded in 2002 with one goal — help American businesses find honest, well-structured commercial insurance without the runaround. Two decades later that's still the whole business.

As an independent agency, we're not tied to any one carrier. Instead, we've built relationships with 20+ top-rated carriers so that every client's risk gets benchmarked against the full market — every renewal, every year.

Our specialty is the businesses that don't fit neatly into a big broker's book: home healthcare agencies, contractors, restaurants, medical offices, and the many specialty trades that need thoughtful risk placement instead of a template.