The Coverage Clients Require.
Most contracts, landlords, and licenses demand general liability. We get you covered fast — with the certificate in hand the same day.
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About General Liability Insurance
General Liability Insurance in Hialeah & South Florida
General liability (GL) is the cornerstone of business protection. It pays for third-party claims of bodily injury, property damage, and personal or advertising injury — the everyday risks that can turn into expensive lawsuits even when you did nothing wrong.
Whether a landlord, client, or licensing board is requiring it, Kapital Insurance Group gets your GL policy bound quickly and at a competitive rate, then issues the certificate of insurance you need to keep your work moving.
Why choose us
The Kapital advantage on general liability insurance
Meet contract requirements
We match your limits to what clients and landlords demand — typically $1M/$2M — and prove it with a COI.
Affordable monthly options
Flexible payment plans keep this essential coverage within reach for new and growing businesses.
Fast issuance
Many GL policies can be bound same-day so you never lose a job over missing paperwork.
Bundle into a BOP
Add property coverage and save by combining GL into a Business Owner's Policy.
What's covered
Coverage options built around you
We tailor your policy to your real needs — never more than you need, never less than you should have.
Bodily Injury
Covers medical and legal costs if a customer or visitor is injured because of your business.
Property Damage
Pays for damage your operations cause to someone else's property.
Personal & Advertising Injury
Protects against claims like libel, slander, and copyright infringement in your advertising.
Products & Completed Operations
Covers claims arising from your finished work or the products you sell.
Medical Payments
Pays smaller injury costs quickly, often without a liability finding, to resolve incidents fast.
Questions, answered
General Liability Insurance — frequently asked questions
Common questions about general liability insurance in Florida, answered by our local team.
Most contracts require a $1,000,000 per-occurrence / $2,000,000 aggregate limit. We'll confirm your specific contract or license requirements and quote accordingly.
No. General liability covers physical injury and property damage, while professional liability (E&O) covers mistakes in professional services. Many businesses need both, and we can quote each.
Premiums vary by industry, revenue, and limits, but many small businesses pay a modest monthly amount. Because we shop carriers, we find the most competitive price for your trade.
Loved by South Florida
Hundreds of neighbors, one trusted advisor
Here's what real clients say about working with Jenisffer and the Kapital team.
“Jenisffer saved me over $90 a month on my car insurance and explained everything in Spanish. The whole thing took fifteen minutes and I had my ID cards the same day. I've already sent my whole family to her.”
Maria G.
Hialeah · Auto Insurance
“I run a small delivery business and needed certificates fast to land a new contract. Kapital had everything ready within an hour. Professional, quick, and they actually answer the phone.”
Carlos R.
Doral · Commercial Auto Insurance
“Florida home insurance was stressing me out until I called Kapital. They found me a better policy for less and walked me through my hurricane deductible so I finally understood it. Highly recommend.”
Yanet P.
Miami Lakes · Home Insurance
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Get a quoteReady for better general liability insurance?
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