KTL Business Insurance

KTL Business Insurance is a San Diego agency that arranges coverage for companies, from general liability and commercial auto to property, workers' compensation, professional liability and cyber protection. Its specialty lines reach well beyond the basics, with programs for contractors, restaurants, event venues, sports leagues and manufacturers, along with surety and contract bonds.

The agency is family-owned and has been operating since 2002, with licenses in multiple states and access to A-rated carriers. Quotes are free, and the agency advertises a 24-hour quote turnaround. The agency answers its own phone, so callers reach the people who place the coverage.