Florida-rooted. Insuring businesses nationwide.

Frequently asked questions about multi-state business insurance

Questions we hear most from owners with multi-state operations. Use the Instant Quote button to start a placement for any of them.

• Where does Ellie Insurance Group write commercial insurance?
  Ellie Insurance Group is headquartered in Tampa, Florida and serves commercial businesses nationwide. Each state maintains its own insurance department or regulator, so multi-state coverage is reviewed against the rules that apply where employees, vehicles, property, and contracts are located. Use the Instant Quote button or call to confirm fit for a specific state.
• How do workers' compensation requirements differ between these states?
  Each state sets its own rules for when workers' compensation is mandatory, typically based on employee count. Florida requires construction WC at 1+ employee and non-construction at 4+, while Texas is elective (subscriber / non-subscriber). Georgia, North Carolina, and New Mexico require WC at 3+ employees, South Carolina at 4+, and Utah at 1+. Coverage limits and claims processes also vary by state.
• Are commercial auto insurance requirements the same in all states?
  No. Minimum liability limits and required coverages vary. Florida operates a no-fault personal-injury-protection (PIP) system; Texas requires 30/60/25; Georgia, NC, and SC require 25/50/25; New Mexico requires 25/50/10; and Utah requires 25/65/15. FMCSA-regulated trucks must carry at least $750,000 nationally regardless of state minimums.
• Can Ellie Insurance Group help businesses that operate in multiple states?
  Yes. We coordinate multi-state insurance programs to ensure compliance and consistent coverage across all licensed states. Workers' compensation is typically issued state-by-state because each state has its own rate and class structure, while liability and umbrella programs can usually be coordinated under a single carrier when the carrier is admitted in each operating state.
• What industries does Ellie Insurance Group serve across these states?
  We provide commercial insurance solutions for contractors, trucking, restaurants, real estate investors, garage dealers, auto repair shops, professional services, manufacturers, hospitality, and more. Industry-specific knowledge is paired with state-specific regulatory understanding for accurate placement.
• How does Ellie Insurance Group handle regulatory changes?
  Our agents continuously monitor state insurance department guidance, statutes, and rate-bureau filings to update coverage recommendations and maintain compliance. Renewal reviews flag changes that may affect your business — for example, NC Rate Bureau loss-cost updates or Florida wind / roof endorsement changes.
• What is the benefit of working with an independent agency like Ellie Insurance Group?
  Independent agents represent you, not a single carrier. We shop 100+ markets on your behalf to match coverage and price to your operations, advocate at claim time, and re-market when the marketplace shifts. That's especially valuable in multi-state programs where carrier appetite varies by region.
• How can I get an Instant Quote for commercial insurance?
  Use the Instant Quote button on this site or contact a licensed agent directly. Once we have legal entity, operations, payroll, vehicles, prior insurance, and claims, most accounts receive first-look options within 24–48 hours.
• Are there specific coverage considerations for high-risk industries?
  Yes. Trucking operations need cargo, motor truck cargo, hired & non-owned auto, and federal-filing support. Roofing contractors often need E&S markets and stacked umbrella. Restaurants frequently need liquor liability and assault & battery. Coastal property needs wind-eligible markets, and oil & gas operators need environmental liability layered with high-limit umbrella.
• Does Ellie Insurance Group provide ongoing support after policy purchase?
  Yes. Our agents assist with policy management, renewals, mid-term endorsements, certificate issuance, audit preparation, and claims support so coverage stays effective and up to date as your business evolves.