Site terms and disclaimers.

Acceptance of these terms

These Terms of Use ("Terms") govern access to and use of the website operated by Ellie Insurance Group ("Ellie Insurance Group," "we," "us," or "our"). By using this website, you agree to these Terms. If you do not agree, please do not use the site.

Informational use only

This website is provided for general informational purposes about commercial insurance. The content is intended to help business owners understand how commercial coverage generally works and what Ellie Insurance Group offers as an independent insurance agency.

Coverage descriptions on this site are summaries, not policy contracts. The actual terms, conditions, exclusions, definitions, and limits of any insurance policy are governed solely by the policy itself, including all forms, endorsements, and applicable schedules. Reading a coverage page on this site is not a substitute for reading the actual policy issued by the carrier.

Statements about state law, regulator authority, or industry practice on this site are general descriptions and may not reflect the most recent statutory, regulatory, or judicial developments. Before relying on any specific legal or regulatory point, confirm current requirements with the appropriate authority or qualified counsel.

No coverage is bound on this site

Submitting a form, requesting an Instant Quote, sending an email, leaving a voicemail, or otherwise contacting Ellie Insurance Group does not bind insurance coverage. Coverage is bound only by written confirmation from a licensed Ellie Insurance Group representative and the issuing insurance carrier in accordance with carrier procedures and applicable law.

If a policy has not been issued and confirmed, no coverage is in force, regardless of any communications or expectations. Business owners who believe coverage may be needed urgently should contact the agency at 813-582-5215 to confirm policy status.

Licensing and jurisdiction

Ellie Insurance Group is a licensed independent insurance agency. Quote and policy availability depends on carrier appetite, state of operation, lines of coverage, and underwriting acceptance. We currently support eligible commercial insurance accounts in Florida, Texas, North Carolina, South Carolina, Georgia, New Mexico, and Utah, subject to license status and carrier rules.

Use of this website does not establish an insurance, brokerage, or fiduciary relationship by itself. A formal client relationship begins only when a written engagement, application, or policy is in place between the business owner and the agency or carrier.

User responsibilities and accurate information

Information provided through this website — including quote requests, certificate requests, and inquiries — must be accurate and complete to the best of the user's knowledge. Misrepresentation, omission, or concealment of material facts may result in denial of a quote, denial of coverage, claim denial, policy rescission, cancellation, or other consequences allowed by law and the policy.

Users may not use this website to upload or transmit unlawful content, malicious code, viruses, or other content that could harm Ellie Insurance Group, its systems, its clients, or other users. Users may not attempt to gain unauthorized access to any portion of this website, agency systems, or third-party systems.

Intellectual property

All content on this website — including text, graphics, logos, layouts, and original images — is the property of Ellie Insurance Group or its licensors unless otherwise indicated. Content may not be reproduced, distributed, modified, or used for commercial purposes without prior written permission, except for reasonable personal or business reference use that does not involve republication.

Ellie Insurance Group, related logos, and product names are trademarks or service marks of Ellie Insurance Group. Other trademarks referenced on this site belong to their respective owners.

Third-party links and content

This website may include links to third-party sites, including insurance carriers, regulators, industry associations, and informational resources. Those sites are operated by other parties and have their own terms and privacy policies. Ellie Insurance Group is not responsible for the content, accuracy, security, or availability of third-party sites and does not endorse all content found on them.

Limitations of liability

To the maximum extent permitted by law, Ellie Insurance Group is not liable for any direct, indirect, incidental, consequential, special, or punitive damages arising out of or in connection with use of this website or reliance on any information presented on it. This includes, without limitation, damages for lost profits, business interruption, lost data, or any other commercial damages or losses.

This website is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the website will be uninterrupted, error-free, or secure, or that defects will be corrected immediately.

Indemnification

Users agree to indemnify and hold harmless Ellie Insurance Group, its owners, employees, agents, and affiliates from any claim, loss, liability, or expense (including reasonable attorneys' fees) arising out of misuse of this website, breach of these Terms, or violation of any law or third-party right by the user.

Governing law

These Terms are governed by the laws of the State of Florida, without regard to conflict of laws principles. Any dispute arising out of or relating to these Terms or use of this website will be brought in the appropriate state or federal court located in Florida, and users consent to the personal jurisdiction of such courts.

Nothing in these Terms limits any non-waivable consumer protection or insurance regulatory rights provided by the law of the state where the user resides or where coverage is placed.

Updates to these Terms

Ellie Insurance Group may update these Terms from time to time. The most current version is posted on this page with the effective date noted at the top. Continued use of the website after a change indicates acceptance of the updated Terms.

Contact

Questions about these Terms can be sent to info@ellieinsurancegroup.com or by calling 813-582-5215.