Business insurance
From a single-owner LLC to a growing local business, we help Florida companies compare commercial coverage options.
Local insurance guidance
Kite Insurance Agency helps clients in Pensacola, Escambia County, Santa Rosa County, and the Florida Gulf Coast compare coverage options with clear explanations and responsive service.
Wind and storm exposure, slip-and-fall liability, vehicle-related claims, and property losses are common in the Gulf Coast market. We'll help you scope coverage that matches your real exposures — not boilerplate.
We start with a short conversation about what you do, who you serve, and what you own. From there we shop multiple carriers, present options clearly, and stay available through the year as your business changes.
A Business Owners Policy bundles general liability with commercial property coverage. It's a common starting point for small businesses.
If you provide advice or services where a client could allege a mistake caused them financial harm, yes — professional liability (also called E&O) is worth considering.
Florida workers' comp requirements depend on your industry and employee count. We can help you determine what applies to your business.
Most start with general liability. Depending on your operations, you may also need property, workers' comp, commercial auto, or professional liability.
A COI is a document that proves your coverage to clients, landlords, or general contractors. We can issue certificates quickly.
Often, yes. Homeowners policies usually limit or exclude business property and liability.
Yes. We work with many trades and can help with general liability, workers' comp, commercial auto, and tools coverage.