Business Insurance
Business Insurance Coverage Solutions
KTL structures commercial insurance programs from the ground up. Explore our core coverage lines below or request a quote to have an advisor build your program.
Business Owners Policy (BOP)
Property and liability bundled for small to mid-sized firms — efficient, cost-effective, and broad.
General Liability
The foundational shield for third-party bodily injury, property damage, and advertising injury claims.
Workers' Compensation
Statutory protection for your most valuable asset — your people — with in-house claims advocacy.
Commercial Auto
Fleet and vehicle protection for businesses in motion, including hired and non-owned coverage.
Commercial Property
Physical asset protection from fire, theft, storm, and business interruption.
Professional Liability
Errors & omissions coverage for professional advice, service delivery, and negligence claims.
Cyber Liability
Modern protection against data breaches, ransomware, and digital business interruption.
Umbrella Insurance
Extended liability limits above your primary policies for catastrophic loss protection.
Inland Marine
Coverage for tools, equipment, and property while in transit or away from your premises.
Commercial Crime
Protection against employee dishonesty, forgery, funds transfer fraud, and theft of money.
Employment Practices Liability (EPLI)
Defense against wrongful termination, harassment, discrimination, and retaliation claims.
Directors & Officers (D&O)
Personal liability protection for company leadership against management decision claims.
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