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Monday–Friday · 9:00 AM – 5:00 PM ET·independent · Insuring businesses nationwide
Choose the business type
Which operation looks most like yours?
The first step is choosing the business category that best describes the operation. A contractor, restaurant, trucking company, auto repair shop, landlord, and professional service firm are not underwritten the same way. Picking the closest fit gives an agent a starting point and tells them which coverage lines and carrier markets to review first.
Contractors and trades
General liability, workers' compensation, commercial auto, tools, equipment, builders risk, umbrella, and bonds. Type of work, payroll, subcontractors, licenses, contracts, and jobsite requirements all matter.
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Trucking and delivery
Commercial auto liability, physical damage, motor truck cargo, general liability, and filings. Vehicle type, drivers, radius, commodities, garaging, and authority status drive insurer eligibility.
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Real estate investors
Property, general liability, loss of rents, flood, vacant property, builders risk, and umbrella liability. Occupancy, values, roof, renovations, and lender requirements all factor in.
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Restaurants and hospitality
Liability, property, business income, workers' compensation, equipment breakdown, spoilage, liquor liability, cyber, and delivery auto. Cooking type, sales, payroll, alcohol, and lease requirements all matter.
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Garage and auto dealer businesses
Garage liability, garagekeepers, dealer inventory, plates, property, and bonds. Dealer license, customer vehicles, test drives, inventory, and lot security drive underwriting.
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Professional and service firms
BOP, professional liability, cyber, employment practices liability, and workers' compensation. Services performed, contracts, data handled, payroll, and client requirements matter.
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Commercial auto
Service vehicles, vans, trucks, and fleets. Driver history, motor vehicle reports, vehicle type, radius, garaging, filings, and use are central to underwriting.
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Workers' compensation
Florida construction employers generally need coverage at one or more employees; non-construction at four or more. Class codes, payroll, and prior losses drive pricing.
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Commercial property
Buildings, contents, business income, equipment, and signage. Construction, roof age, protection, occupancy, wind exposure, and flood details drive property terms.
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Information to have ready
A complete request helps the process move
An Instant Quote request is easier to review when the request includes complete and accurate information. Carriers use underwriting details to decide whether they will consider the account, what coverage terms they can offer, what exclusions apply, and whether additional documentation is needed.
For most businesses, the basic information includes the legal business name, trade name if different, physical and mailing address, entity type, years in business, ownership details, description of operations, annual revenue, payroll, employee count, prior insurance, claims history, requested effective date, and any contracts, leases, or certificate requirements. If the business has a current policy, declarations pages are useful because they show existing coverage, limits, locations, vehicles, class codes, and carrier details.
The most important detail is the plain-English description of what the business actually does. A short label such as "contractor," "consultant," or "transportation" is not enough. Carriers need to know the work performed, customer type, where the work happens, whether subcontractors are used, and whether any operations create higher risk.
Documents by coverage line
- General liabilityOperations description, revenue, payroll, subcontractor cost, contracts
- Workers' compensationPayroll by job duty, employee count, owner/officer details, loss history
- Commercial autoVehicle schedule, drivers, garaging, radius, use, filings if needed
- Commercial propertyBuilding details, values, roof, occupancy, protection, lender terms
- BOPBusiness type, sales, property values, lease requirements, prior claims
- BondsBond form, obligee, required amount, project or license details
What happens after you submit
From form request to carrier review
After you submit an Instant Quote request, an Ellie Insurance Group agent reviews the information and determines what additional details may be needed.
01
Agent reviews your request
An agent may request current policy documents, loss runs, driver information, contracts, photos, vehicle schedules, payroll details, or property information. This step helps match the account to carrier markets that may actually consider the business.
02
We shop 100+ carrier markets
insurer eligibility varies widely. One carrier may want interior remodeling but not roof work. Another may consider restaurants but restrict delivery. A trucking carrier may care heavily about driver experience, radius, filings, and commodities.
03
Review terms in plain language
When carrier terms are available, an Ellie agent explains what each option includes, what it excludes, what documents are still needed, and whether the policy appears to satisfy the contract, lease, lender, or certificate request you provided.
A form request is not a guarantee that a carrier will offer terms, that coverage will be bound, or that every requested endorsement is available. Commercial insurance depends on underwriting, payment, signed applications when required, and carrier approval.
FAQ
Frequently Asked Questions
- This page helps business owners start an Instant Quote request for commercial insurance. It explains what information carriers need, why business type matters, and what happens after the request is submitted.
- Ellie Insurance Group helps business owners organize underwriting details, review coverage needs, market the account to 100+ carrier markets on the business's behalf, and explain policy terms in plain language. The agency is an independent, business-focused agency headquartered in Tampa, FL.
- You should prepare the legal business name, address, business description, revenue, payroll, employee count, prior policy information, claims history, requested effective date, and any contracts or certificate requirements. Vehicle, driver, property, payroll, bond, and lease details may also be needed depending on the policy.
- Yes. You can use the Instant Quote process to start a commercial insurance review. A request begins the review process, but carrier terms depend on underwriting, eligibility, complete information, and any required applications or payments.
- Ellie Insurance Group is headquartered in Tampa, FL and serves Tampa, Brooksville, businesses across Florida, and commercial accounts nationwide.
- You can submit an Instant Quote request or use the contact page if you need to send office or service-related information. Including contracts, current policy documents, and certificate requirements helps an agent understand the request more quickly.
- An Ellie Insurance Group agent reviews the information and determines what additional details may be needed. The agent then reviews potential markets from 100+ carrier markets. When carrier terms are available, the agent can explain what the option includes, what it excludes, and whether the policy appears to satisfy your contract, lease, lender, or certificate request. A form request is not a guarantee that a carrier will offer terms or that coverage will be bound.
Before or after you submit
Get oriented in 60 seconds
Commercial Insurance Hub
What each commercial policy is meant to do, what it commonly excludes, and when it applies.
General Liability
Third-party bodily injury, property damage, and certain advertising injury claims.
Workers' Compensation
Florida thresholds, class codes, and audit considerations.
Commercial Auto
Florida vehicle requirements, fleet rating, and driver review.
Commercial Property
Wind, roof, flood, vacancy, and business income terms to review.
Locations
Tampa, Brooksville, and statewide Florida service.
Next step
Let's find insurance for your business
Tell us about your business. We’ll shop our insurance markets for competitive quotes and help you compare coverage, price and the support you need from your agency.