An independent agency in Tampa that shops your coverage across several admitted carriers, lays the real quotes out side by side, and services the policy for the life of the account. The quote is free.
Commercial Insurance Specialists, LLC. is a Florida limited liability company running an independent insurance agency out of our office at 3438 Colwell Ave, Tampa, FL 33614. Our agents hold active Florida 2-20 general lines licenses, the agency carries its own errors-and-omissions coverage, and we are appointed directly with the admitted carriers we quote. Our clients are the small businesses, contractors, landlords and families of Tampa and Hillsborough County — people who want to sit across a desk from a licensed agent, get the price explained honestly, and have someone answer the phone when a claim comes in. We are the agency that places and services your coverage and is paid through the carrier; we are not an affiliate, a lead-generation site, or a price-comparison funnel, and we do not resell leads to anyone.
Premiums depend on your exposure; these are the typical first-year ranges we see in the Tampa market. The quote and the consultation are free.
Third-party bodily injury and property damage for contractors, cleaners, landscapers, shops and offices — with the additional-insured endorsements a GC's contract usually demands.
Florida-required coverage for employees and, where the contract calls for it, waiver of subrogation. Rated on payroll and class code, audited annually.
Owned vehicles, trailers and small fleets, with hired and non-owned auto options for crews that drive to the job.
Building, contents and business-income coverage bundled with liability for storefronts, offices and shops.
Inland-marine coverage for the tools, equipment and gear that move from job to job for the trades.
Homeowners, personal auto, renters and umbrella for local Tampa families — often bundled with the carrier for a discount.
The point of a policy is the day something goes wrong. Here is where a licensed local agency earns its keep instead of an online form.
A GC won't let a sub back on site without a certificate naming them additional insured. We issue it the same day — the coverage detail is what actually gets your crew working.
Uninsured 1099 subs get picked up on your workers' comp audit and can double a premium. We catch that at binding, not at audit time.
Every account gets a full review every twelve months. Endorsements, claims help and re-shopping the account are handled by the same licensed agent who wrote it.
"They handled my GL and workers' comp in one afternoon and had the certificate naming the GC ready before my Monday start. Real people, real office."
— Marcus D., drywall contractor, Town 'N' Country
"I walked in not knowing what a BOP was and walked out covered, with every line of the price explained. No pressure and no surprise fees at renewal."
— Renata S., bakery owner, Carrollwood
"My agent re-shopped three carriers and kept my fleet covered without dropping limits. They actually answer the phone when I need a cert for a new job."
— Tony V., landscaping crew, Brandon