General liability
Third-party bodily injury, property damage, and advertising injury claims can hit any business. General liability is the foundation of a commercial program.
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.
Contractors, cleaning and lawn services, retail shops, restaurants, and consultants. If a client asks for a COI, this is usually the policy they mean.
Often yes. Many clients, landlords, and municipalities require a certificate of insurance before you can start work.
No. Tools fall under inland marine / equipment coverage and work mistakes fall under professional liability. We can quote those too.
Third-party bodily injury, property damage, and personal and advertising injury claims arising from your business operations.
No. Employee injuries are covered by workers' compensation, not general liability.
Once coverage is in place, we can typically issue certificates the same business day.
Many businesses carry $1 million per occurrence and $2 million aggregate, though contract requirements may call for different limits.
No. Errors in professional services are covered by professional liability (E&O) insurance.
Your industry, revenue or payroll, location, claims history, and the limits you choose.