Business insurance built around how your business actually works.

Frequently Asked Questions

• What does commercial insurance cover?
  Commercial insurance can cover liability claims, employee injuries, business vehicles, buildings, equipment, inventory, business income, customer vehicles, data incidents, and contract requirements depending on the policies selected. No single policy covers every business exposure. A good review separates the business into people, property, vehicles, contracts, data, and income.
• Who needs commercial insurance?
  A business usually needs commercial insurance if it has customers, employees, vehicles, leased space, owned property, contracts, lenders, professional services, customer data, or inventory. In Florida, workers' compensation may be required based on business type and employee count, with construction employers facing a lower threshold than non-construction employers.
• What does commercial insurance not cover?
  Commercial insurance does not automatically cover every lawsuit, accident, mistake, property loss, cyber event, employee issue, or vehicle claim. Common gaps include intentional acts, known losses, professional services without professional liability, employee injuries without workers' compensation, business vehicle use without commercial auto, flood without flood coverage, and excluded operations.
• How is commercial insurance priced?
  Pricing depends on the business operation, location, payroll, revenue, vehicles, drivers, property values, claims history, coverage limits, deductibles, subcontractor use, and carrier appetite. Florida property accounts may also be affected by wind, roof, construction, occupancy, and flood details. Carriers need accurate underwriting information before they can offer reliable terms.
• What information is needed for an Instant Quote?
  Most businesses should gather the legal business name, address, operations description, revenue, payroll, employee count, prior policies, claims history, requested effective date, contracts, leases, and certificate requirements. Auto accounts need driver and vehicle details, while property accounts need building and value 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. The agency matches your account to the carriers most likely to fit underwriting appetite, then licensed agents handle the back-and-forth with underwriters so you do not have to. Not every carrier will consider every account, but access to many markets means you are not stuck with a single option, and answers typically come back the same day rather than over several days.
• Is this coverage available in Florida?
  Yes. Ellie Insurance Group is headquartered in Tampa, FL and serves businesses in Tampa, Brooksville, across Florida, and commercial accounts nationwide.
• What related policies should be reviewed with commercial insurance?
  Related policies may include general liability, workers' compensation, commercial auto, commercial property, BOP, umbrella liability, cyber liability, employment practices liability, flood insurance, professional liability, inland marine, builders risk, garage liability, garagekeepers, motor truck cargo, and bonds. The right mix depends on the business, contract terms, vehicles, employees, property, and industry-specific exposures.