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Insurance by Locals for Locals
Advising Commercial & Marine Insurance clients with integrity for over 30 years.
Locally Headquartered in Key West Florida, Locals Insurance Agent David Kincaid specializes in commercial business, property, casualty and marine insurance services. Personal on-site interaction with your business operations to advise owners and managers on risk transfer alternatives through David’s extensive experience and professionalism in every policy review to ensure your insurance program meets your expectations.
David Kincaid has earned a reputation in the field of commercial insurance through 30+ years of experience as an licensed Agent. His credentials include a Bachelor of Science in Risk Management from Florida State University along with several designations to further enhance his expertise within commercial insurance advisement. One such designation is that of Commercial Insurance Consultant (CIC) from The National Alliance for Education and Research. Another prominent designation held by David, is that of Commercial Marine Insurance Professional (CMIP). Both of these designations illustrate David’s commitment to adhering to a strict set of professional ethics unrivaled in the Keys.
Get in touch with David to set up an appointment for your next insurance review. For convenience, use the contact form at the bottom of this page to inquire.
Locals Insurance Agent, David Kincaid
David Kincaid is a licensed insurance expert with over 30 years of experience.
Areas of Coverage
General Liability
General liability insurance (GL), often referred to as business liability insurance, is coverage that can protect you from a variety of claims including bodily injury, property damage, personal injury and others that can arise from your business operations. General liability insurance quotes usually include:
Bodily injury and property damage liability
Personal and advertising injury
Medical payments
Products completed operations
Damage to premises rented to you
Workers Compensation
Workers’ compensation insurance, commonly known as workers’ comp, is insurance that covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. Coverage also includes employee rehabilitation and death benefits.
Business Insurance
Business insurance is coverage that protects your small business from financial damages that can result from accidents, property damage, professional errors, workers compensation claims and other situations. Having accurate coverage is critical in minimizing the negative impact of claims against your business.
PROPERTY Insurance
Property insurance is meant to provide both inland and ocean marine coverage. When your business transports property, you want that cargo to be covered every step of the way. Marine coverage provides protection throughout the entire transport. Florida Insurance Group proudly provides businesses of all sizes with the protection they need to run smoothly.
Our marine insurance options include, but are not limited to:
Property insurance
Loss control services
General liability
Umbrella coverage
Contractors Insurance
Contractors insurance is coverage that can protect your business from devastating financial debts that can result from work-related accidents. It’s important to protect your livelihood with adequate coverages and limits that match your exposure in case your business is threatened.
Marina Insurance
Locals Insurance, Inc. offers a wide range of marina insurance and marina coverage options including:
Harbor Insurance
Sudden & Accidental Pollution
Piers, Wharves, & Docks
Marine Employers Liability (MEL)
Commercial General Liability
Protection & Indemnity
Marina Operators Legal Liability
Let's Work Together.
Please use the form below to learn more about our services or just to grab a quick coffee or lunch. Locals Insurance is always dedicated to helping local businesses in any way we can.