When you're serious about your insurance, you need to work with an agency that's serious about your needs. At KT&D Inc., we've been serious about the risks you face for over 75 years. Our focus is on helping you find the insurance coverage you need to protect you and your business. With our decades of experience, we'll work with you to uncover your risks and help you manage them before they become a problem.
How do we do that? As an independent agency, we work with several top-rated and financially-stable insurance companies to offer you a variety of options when it comes to your coverage.
How do we do that? As an independent agency, we work with several top-rated and financially-stable insurance companies to offer you a variety of options when it comes to your coverage.
Services
We are a locally owned and operated independent insurance agency helping the businesses and individuals of Delaware and beyond find insurance solutions that work for them. Incorporated in 1932, we've been the go-to agency for those who are serious about their insurance coverage for over 75 years. We understand your needs and can help you manage your risks before they become a problem, all while providing exceptional, professional service.
A business owners insurance policy, or BOP, combines business property and business liability insurance into one convenient policy. Your business faces a variety of risks unique to your industry, but there are certain coverages that businesses need regardless of their size or business type. Having a BOP helps you safeguard your business by helping to protect what you've built.
When you look around your business, it's obvious that you need to protect against damage to your buildings, equipment, and staff. Less obvious-but no less important-is the risk of damage to other people and businesses, which could leave you paying out large sums if you are held liable. This policy mainly covers bodily injury to people outside of your business and physical damage to their property. A few exceptions to this principle include data loss and reputation damage, such as one of your employees defaming a client.
Some employees may prefer a nice bonus, but in most cases, employees see health care as a core part of the compensation package-arguably as important as the salary itself. Buying group health insurance is an economical way for your business to recruit and retain staff while increasing the likelihood that they'll be fit to work.
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