KT&D, Inc. is an independent insurance agency located in downtown Wilmington. Our staff of insurance professionals is committed to providing our clients with appropriate insurance at the lowest realistic cost while providing a level of service unmatched by our competitors.

As an independent insurance agency/brokerage organization, we work for our clients. We represent a number of national and regional insurance companies, which enables us to effectively market our clients' accounts to obtain the appropriate coverage at a competitive premium.

The Way We Work

We identify your company's exposures to loss and tailor your insurance program accordingly:

• We work with you to identify exposures to loss that threaten your financial viability.
• We can tailor insurance coverage to meet your unique needs.
• We can utilize risk management techniques, in addition to insurance, to lower exposures and reduce your costs.

We work hard to obtain coverage at the lowest realistic cost:

• By marketing your insurance program when appropriate to assure you competitive premiums.
• By preparing bid specifications that will be attractive to underwriters.
• By using our insurance knowledge to negotiate favorable rates.
• By utilizing our solid insurance company relationships on your behalf.
• By only represent financially viable insurance companies of excellent reputation.