Business insurance done right. Built for business owners.

Frequently Asked Questions

• Who is Ellie Insurance Group?
  Ellie Insurance Group is an independent business insurance agency rooted in Florida with offices in Tampa and Brooksville. We focus exclusively on business insurance — no personal lines — and our licensed agents stay directly involved in carrier relationships and complex accounts across construction, transportation, real estate, restaurants, retail, professional services, and manufacturing.
• How long have you been in business?
  Ellie Insurance Group has been writing commercial insurance since 2022, with access to 100+ carrier markets across construction, transportation, real estate, restaurants, retail, professional services, and manufacturing.
• Are you actually independent?
  Yes — we're an independent agency with appointments and broker access to 100+ admitted and surplus-lines carriers across commercial lines, plus program markets for harder classes. We don't represent a single carrier or franchise.
• Where are you based?
  Tampa and Brooksville, Florida. We're headquartered in Tampa and serve commercial businesses nationwide from these offices, including multi-state contractor, fleet, and real estate operations.
• What does an independent business insurance agency do that a captive agent cannot?
  An independent agency can approach multiple insurance carriers, wholesale markets, and program options for the same account. A captive agent typically represents one company and is limited to that carrier's appetite, pricing, and underwriting rules. For commercial accounts that may not fit a single carrier's box — contractors, trucking, restaurants, garage operations, vacant property, and many others — that flexibility can mean the difference between a workable path and a dead end.
• Why should a Florida business owner work with Ellie Insurance Group?
  Florida commercial insurance is shaped by storm exposure, contractor certificate requirements, workers' compensation rules, property underwriting concerns, and state-specific regulations. As a Florida-rooted independent agency, Ellie Insurance Group helps Tampa, Brooksville, and statewide business owners organize the details that matter — payroll class codes, vehicle schedules, building construction, roof age, lease and contract requirements — before submitting to market.
• What information do I need to get a commercial insurance quote?
  It depends on the coverage. General liability typically needs revenue, operations, and prior loss history. Workers' compensation needs payroll by class code, ownership information, and employee count. Commercial auto needs VINs, drivers, garaging address, and use. Commercial property needs building details, occupancy, roof age, construction, and protection. The fastest way to begin is through Instant Quote — we will follow up to confirm the underwriting details that apply to your specific account.
• Can you help businesses operating in more than one state?
  Yes. Ellie Insurance Group is headquartered in Tampa, FL and routinely places multi-state operations for commercial accounts nationwide. Multi-state operations create their own questions — state-specific workers' compensation thresholds, auto financial responsibility minimums, and regulator filings — and an independent agency can market your account to carriers that are comfortable writing those exposures.
• How quickly can I get a certificate of insurance after binding?
  Most certificate requests can be issued the same business day once the policy is in force, provided the requested wording is supported by the policy. Additional insured status, waiver of subrogation, primary and noncontributory wording, and completed-operations language sometimes require carrier approval or policy endorsements. Send the contract page that lists the insurance requirements so we can match the certificate to what is actually required.
• What happens after the policy is bound?
  The agency relationship continues year-round. Ellie Insurance Group helps with certificates, mid-term policy changes, vehicle and driver updates, location additions, billing questions, claim-reporting direction, and renewal review. Business owners can call 813-582-5215 for service support, and renewal preparation typically begins 60 to 90 days before the expiration date so updated payroll, revenue, and exposure information can be reviewed.