Commercial insurance for Florida City businesses, from a local agency.
Quick answer: M&K Agency helps eligible small businesses and contractors in Florida City and South Dade with general liability insurance. We write general liability and small-business risks that fit our markets; other lines can be discussed case by case. All coverage is subject to underwriting. Talk to a licensed agent at our Florida City office in English, Spanish or Russian: (305) 859-3953.
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Who this page is for
- Contractors and trades (handyman, painting, pressure washing, landscaping, window cleaning) who work in customers’ homes and need certificates of insurance for jobs.
- Shops, offices and other small businesses along US-1 and Krome Avenue that need liability coverage.
- Home-based businesses, which often fall outside a homeowners policy.
- Businesses asked by a landlord or client to show proof of liability coverage.
Four questions we will ask you
- What exactly do you do, and where? Coverage depends on your operations. Working in customers’ homes, on job sites or only at your own location are three different risks.
- Have you had insurance before, and any liability claims? Prior coverage and claims history are part of underwriting.
- What do your contracts or landlord require? Many contracts call for specific liability limits, certificates of insurance or additional insured wording. Bring the contract and we will read the insurance section with you.
- Do you need coverage other than general liability? Tell us. Other lines can be discussed case by case, and if we can’t help, we will tell you plainly.
What is not covered (honest limits)
- General liability does not cover injuries to your own employees.
- General liability does not cover your vehicles.
- General liability does not cover your own tools, equipment or building.
- Professional mistakes are generally outside general liability.
- Underwriting decides eligibility. Some types of business may not fit our markets. If we can’t help, we will tell you plainly.
Talk to a licensed agent
Call (305) 859-3953, or leave your number and we’ll contact you within an hour during business hours. Bring your current policy and any contract with insurance requirements to 33550 S Dixie Hwy, Suite 102, Florida City, FL 33034. We are open Monday to Friday 9 to 6, with Saturdays by appointment.
We speak English, Spanish and Russian. Policy documents are issued in English; we explain them in your language.
33550 S Dixie Hwy, Suite 102
Florida City, FL 33034
English · Español · По-русски
Commercial insurance in Florida City: FAQ
What kind of business insurance do you write?
We write general liability and small-business risks that fit our markets, mainly for eligible small businesses and contractors. Other lines can be discussed case by case. Call us and we will tell you plainly whether we can help.
What does general liability insurance respond to?
It generally responds to claims that your business caused bodily injury or property damage to other people, subject to the policy’s terms, limits and exclusions. It does not cover your own employees, vehicles, tools or building.
Can you help me get a certificate of insurance for a job?
Yes. Tell us who needs the certificate and what wording the contract requires, and we will help you get it for policies we service.
Is my homeowners policy enough for a home-based business?
Often not. Homeowners policies often exclude business activity. Tell us what you do and we will explain the options for your business, subject to underwriting.
Do you work with businesses outside Florida City?
Yes. Our office is in Florida City, and we work with businesses across Florida by phone, email and WhatsApp.
Related pages
Questions about your coverage?
Call us, or leave your number and we’ll contact you within an hour during business hours.
Have an agent call meCall (305) 859-3953
📄 Send us your policy – we'll check your coverage
A photo of the first page (declarations page) is enough.
This article is general information, not legal advice or policy language. Coverage depends on the terms, limits and exclusions of your policy, and eligibility rules can change. Talk with a licensed agent about your situation.
Areas we serve
We serve South Florida from our Florida City office, in person and by phone, WhatsApp, text and email.