Monday–Friday · 9:00 AM – 5:00 PM ET·Florida-born · Insuring businesses nationwide
About · Kevin A. Smith
Kevin A. Smith — Licensed Business Insurance Agent
Kevin A. Smith is a Florida-licensed business insurance agent at Ellie Insurance Group with experience placing business insurance since 2014. Kevin focuses exclusively on business insurance and works on contractor, trucking, real estate investor, restaurant, retail, professional services, and manufacturing accounts. His approach is simple: get your submission right the first time, market your account across 100+ carrier markets, and be your real point of contact for certificates, audits, and policy changes.
At a Glance
- License
- FL 2-20 (P&C)
- Coverage area
- Tampa, FL HQ · nationwide
- Markets
- 100+ carriers
- Phone
- 813-582-5215
Written & reviewed by
Kevin A. Smith
Licensed Business Insurance Agent · Ellie Insurance Group
Kevin A. Smith is a Florida-licensed business insurance agent at Ellie Insurance Group with experience placing business insurance since 2014. Kevin focuses exclusively on business insurance and works on contractor, trucking, real estate investor, restaurant, retail, professional services, and manufacturing accounts. His approach is simple: get your submission right the first time, market your account across 100+ carrier markets, and be your real point of contact for certificates, audits, and policy changes.
- Florida 2-20 General Lines (Property & Casualty) licensed agent
- Member · Trusted Choice
- Member · Independent Insurance Agents & Brokers of America (Big "I")
- Member · Florida Association of Insurance Agents (FAIA)
Expertise & focus
Where Kevin spends most of his time
Contractor & construction risk
GL, WC, commercial auto, and equipment for GCs, subs, and specialty trades across Florida and nationally.
Trucking & motor carrier
FMCSA-filed liability, motor truck cargo, non-trucking liability, and federal filings for owner-operators and fleets.
Real estate investor portfolios
Landlord, vacant, fix-and-flip, STR, apartment, and commercial-building placement.
Florida property & wind
Wind-eligible placement, roof-age underwriting, AOB-aware programs, and Citizens depopulation when needed.
Independent placement & E&S
Hundreds of admitted and surplus-lines carriers — no captive-market limits on appetite.
Same-day certificates
Most COIs issued within 1–2 hours during business hours.
Credentials
License and carrier access
License
- Florida Resident License: 2-20 General Lines (Property & Casualty)
- Licensed since 2014 · placing business insurance accounts
- Headquartered in Tampa, FL · serving commercial businesses nationwide
- Affiliations: Trusted Choice · Big "I" (IIABA) · FAIA
Carrier access
Ellie Insurance Group maintains direct and broker relationships with 100+ admitted and surplus-lines carriers. That gives Kevin and the team the ability to shop nearly any commercial class across appetite tiers, including specialty programs for harder Florida classes (roofing, demo, framing, trucking, restaurants, and STR investors).
Published articles
Resources written and reviewed by Kevin
Coverage comparisons
Additional Insured vs Certificate Holder: What Business Owners Should Know
An additional insured is an entity added to another's insurance policy, gaining direct coverage and protection under that policy, often required by contract [3]. A certificate holder, conversely, merely receives a…
Compliance & renewals
Auto Repair Shop Insurance Checklist
An auto repair shop insurance checklist is vital for ensuring comprehensive protection against the unique risks faced by the automotive service industry. Key coverages include Garage Liability, Garagekeepers Liability,…
Coverage comparisons
BOP vs General Liability Insurance: What Is the Difference?
The primary difference between BOP vs General Liability insurance lies in their scope: General Liability (GL) covers third-party bodily injury and property damage, while a Business Owners Policy (BOP) bundles GL with…
Coverage explainers
Builders Risk Insurance Explained: Who Needs It and What It Covers
Builders risk insurance helps protect a building or project while it is under construction, renovation, or major improvement. It can cover materials, fixtures, and covered property at the jobsite, but the exact…
Compliance & renewals
Business Insurance Checklist: What to Review Before Renewal
Before renewing your business insurance, it is absolutely essential to conduct a thorough and comprehensive review of your current coverage. This process involves carefully assessing any significant changes that have…
Compliance & renewals
7 Certificate of Insurance Mistakes That Get Contractors Booted Off Jobs
Most certificate of insurance (COI) rejections come from a short list of fixable errors — blanket additional insured wording where a specific named endorsement is required, a missing waiver of subrogation, no primary…
State requirements
Commercial Auto Insurance Florida: What Businesses Need to Know
Commercial auto insurance in Florida is essential for businesses that use vehicles for work, whether it's a single car for client visits or a fleet of delivery trucks. It covers liability for accidents, medical…
Coverage comparisons
Commercial Auto vs Personal Auto Insurance
Commercial auto insurance is specifically designed to cover vehicles used for business purposes, offering broader protection than a personal auto policy. If you use a vehicle for work-related activities, such as…
State requirements
Commercial Flood Insurance in Florida: What Business Owners Need to Know
Commercial flood insurance in Florida is a critical necessity for businesses, as standard commercial property policies almost universally exclude flood damage. Whether through the National Flood Insurance Program (NFIP)…
Cost & pricing
How Much Does Commercial Insurance Cost for a Small Business in 2026?
Most small businesses in the United States spend between $1,200 and $7,500 per year on commercial insurance once every core line is in force. That range is wide on purpose — a solo consultant with a laptop and a…
Coverage comparisons
Commercial Insurance vs Business Insurance: Is There a Difference?
While often used interchangeably, commercial insurance and business insurance generally refer to the same essential coverage designed to protect businesses from various risks. The primary distinction often lies in how…
Industry guides
Contractors Equipment Insurance: What It Covers and Why You Need It
Contractors equipment insurance helps protect the tools, machinery, and mobile equipment your business relies on at jobsites, in transit, and in storage. It is often written as inland marine coverage because contractor…
Keep reading
Explore related coverage
About Ellie Insurance Group
Independent agency overview, license, and carrier markets.
Tampa Office
625 E Twiggs Street — downtown Tampa.
Brooksville Office
18126 Powell Road — Hernando County.
Resources & Blog
Articles written and reviewed by Kevin.
Instant Quote
Start a quote in minutes.
Contact
Direct line to the agency.
Carrier access
Access to 100+ A-rated commercial markets
As an independent agency we shop 100+ admitted and surplus-lines carrier markets — so the carrier competes for your business, not the other way around.
+77 more
Next step
Ready to shop commercial coverage?
Talk to a commercial agent or run an instant quote online — same-day binding on most commercial submissions during business hours.