Business Insurance, Quoted in Minutes — Shopped Across 100+ Carriers

Frequently Asked Questions

The questions business owners ask us before becoming clients. Don't see yours? Call a business insurance agent at the number above.

• What does a commercial insurance agency cover?
  A commercial insurance agency helps business owners shop carrier markets for policies that may cover liability claims, employee injuries, business vehicles, buildings, equipment, inventory, income interruption, customer vehicles, data incidents, and contract requirements. The exact policies depend on the operation because contractors, trucking companies, restaurants, auto dealers, and real estate investors do not carry the same risk.
• Who needs commercial insurance in Florida?
  Business owners usually need commercial insurance when they have customers, employees, vehicles, property, leases, contracts, lenders, or regulated work. In Florida, workers' compensation requirements can apply based on industry and employee count, with stricter rules for construction employers. Even when a policy is not required by law, it may be required by a landlord, lender, general contractor, franchisor, or customer contract.
• What does commercial insurance not cover?
  Commercial insurance does not automatically cover every business loss. Policies commonly exclude intentional acts, known losses, wear and tear, certain professional mistakes, employee injuries outside workers' compensation, vehicle accidents outside commercial auto, flood when not separately insured, and operations not disclosed to the carrier. Exclusions and endorsements should be reviewed before relying on coverage.
• How is commercial insurance priced?
  Pricing depends on the type of business, payroll, revenue, employee count, vehicles, drivers, locations, property values, claims history, subcontractor use, limits, deductibles, and carrier appetite. Florida property and auto accounts may also be affected by wind exposure, roof details, vehicle use, garaging, and building construction.
• What information is needed for an Instant Quote?
  Most businesses should prepare the legal business name, address, ownership details, operations description, revenue, payroll, employee count, prior insurance, claims history, requested effective date, and any contracts or certificate requirements. Auto accounts need vehicle and driver information, while property accounts need building details, values, occupancy, and roof information.
• Does Ellie Insurance Group shop more than one carrier on my behalf?
  Yes. Ellie Insurance Group has appointments and broker access to 100+ carrier markets, and the agency markets your account to the carriers most likely to fit underwriting appetite. The team handles the back-and-forth with underwriters so you do not have to. Not every carrier will quote every business, but broader market access improves the chance of finding a program that understands the operation.
• Is this coverage available across Florida?
  Yes. Ellie Insurance Group is headquartered in Tampa, FL with a second office in Brooksville, FL, and serves businesses across Florida and commercial accounts nationwide.
• What related policies should be reviewed alongside commercial insurance?
  Most businesses should review general liability, workers' compensation, commercial auto, commercial property, cyber liability, umbrella liability, and any industry-specific policies that apply. Contractors may need inland marine, builders risk, and bonds; restaurants may need spoilage and liquor liability; trucking companies may need motor truck cargo; auto businesses may need garage liability and garagekeepers.