About
Independent agency. Personal help.
KTL Contractor Insurance is operated by KTL Business Insurance Services, an independent insurance agency. This site is dedicated to contractors, skilled trades, and property-service businesses.
As an independent agency, KTL can explore coverage options through its available markets instead of representing a single insurance company. That means we can look at your business as it actually operates — your trade, your crew, your vehicles, and your contracts — and help you understand which options may fit.
KTL Business Insurance Services was founded in 2002 and is based in Del Mar, California, with appointments at 20+ insurance carriers.
Licensing
- CA License #0D86601
- AZ License #142446
- NV License #173532
KTL is licensed in California, Arizona, and Nevada, and can place coverage for contractors in all 50 states:AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, WV, WI, WY. When a policy requires it, we obtain a license in your state as part of setting up your coverage.
What to expect
- A real person reviews your request. During business hours (Mon–Fri, 9am–5pm PT), we typically respond within minutes.
- Plain-language explanations of what policies are designed to do and where their limits are.
- Help reviewing contract insurance requirements, certificates, and endorsement requests.
- Honest answers when an operation needs special underwriting review or isn't a fit for available markets.
Coverage availability, eligibility, limits, and pricing are subject to underwriting and policy terms. Requesting a quote does not bind coverage.
Google reviews
What KTL clients say
Verbatim excerpts from 5-star reviews on KTL's Google Business Profile.
“KTL has helped me with my business insurance and bonds for a while now. They're always responsive and helped me navigate insurance requirements on public projects. Great team!”
“Guy and the KTL staff have helped me with business insurance for years. My install business was hard to guesstimate back then, but my rates have been great the entire time and I've shopped around. They're good people.”
“Kevin is a master of his craft. It's one thing to have a nice insurance guy, it's far another to have a nice insurance guy that knows the business — and the business of your industry — better than you do. We have a lot of complex asks and KTL handles them.”
“Kevin, Blake, Adam and the entire team at KTL have provided excellent service. Their communication and follow-up are outstanding. They walk you through every step of the process and take the time to explain what you need.”
“I highly recommend Kevin from KTL Business Insurance. He is our business insurance provider that has consistently met our needs for over 20 years. Kevin and his team have always gone the extra mile to ensure that our policies fit our needs.”
“I've been working with Kevin and his team for around 6 years. What started as a single insurance policy turned into 3 over the years. A trusted one-stop shop for all your insurance needs. Their service is exceptional and rates are competitive. I highly recommend them!”
Ready to review your coverage?
Tell us about your business. A KTL agent will review your information and follow up about available options.