Business Insurance — Access to 100+ Carrier Markets

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 insurer eligibility. 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?
  Start with your contact information, business name, phone number, state and coverage interest. The next form asks for more details about the business. Your agent may later ask about employees, vehicles, property, claims or a contract; you do not need every document ready to contact us.
• Does Ellie Insurance Group shop more than one carrier on my behalf?
  Yes. We have access to 100+ carrier markets and look for options that fit your operations and state. Your agent can explain available choices and handle insurer questions. This does not mean every insurer will quote every business.
• 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.