Industries We Protect
Industries We Insure
Twenty-plus years placing coverage across niche and mainstream sectors. Every industry page below is written to help you understand your risk and pick the right coverage.
Highlighted expertise
Contractors
Coverage for general and specialty trades.
Restaurants & Bars
BOP, liquor liability, and workers' comp for food service.
Auto Repair Shops
Garage liability and garagekeepers for repair operations.
Retail Stores
BOP and cyber for storefront and e-commerce retail.
Professional Services
E&O for consultants, agencies, and advisors.
Manufacturing
Product liability and property for manufacturers.
Technology & App Developers
Tech E&O, cyber, and IP coverage for app developers, SaaS, and software firms.
Nonprofits
D&O, EPLI, and abuse coverage for mission-driven organizations.
Janitorial Services
GL and property damage for cleaning contractors.
Landscapers
GL, auto, and inland marine for landscape and lawn care.
HVAC & Plumbing
Contractor coverage for mechanical trades.
Electricians
GL and workers' comp for electrical contractors.
Painters
Coverage for interior and exterior painting contractors.
Consultants
E&O and cyber for advisory practices.
Medical Offices
Medical malpractice and BOP for outpatient practices.
Property Management
GL, E&O, and umbrella for property managers.
Real Estate
E&O and cyber for brokerages and agents.
Warehousing & Distribution
Coverage for 3PLs and warehouse operators.
Transportation
Trucking, fleet, and motor carrier coverage.
Skilled Nursing Facility
Professional liability and workers' comp for nursing homes and post-acute facilities.
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 →