Free tools
Business Insurance Tools & Calculators
Use these free of charge — no email required to see the answer. When you want exact pricing, KTL compares your business across 20+ A-rated carriers.
Workers' Comp Premium Estimator
Enter your industry, state and payroll for a starting premium range before we shop it.
More tools & checklists
Workers' Comp Class Code Lookup
Find the NCCI or state-bureau class code that fits your operation, and see why the wrong code inflates your premium.
What Insurance Does My Business Need?
A checklist that separates legally required coverage, contract-driven coverage, and the losses that would close your doors.
COI Requirements Checker
Walk your contract's insurance exhibit line by line — limits, additional insured, waiver of subrogation, primary and non-contributory.
Insurance Cost Guides
Broker-observed premium ranges for general liability, BOP, commercial auto, professional liability and cyber.
Free Policy Review
Upload your declarations pages and a licensed specialist benchmarks your coverage and pricing against our markets.
Want an exact quote? KTL can compare your business across 20+ A-rated carriers — request a free quote or upload your current policy.
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.
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Get a Free Coverage Review
Benchmark your current policy against 20+ A-rated carriers. Reply within 1 business day.
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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
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