We are an independent agency in Tampa that shops your coverage across several admitted carriers, explains the real quotes side by side, and services the policy for the life of the account. Quotes are free.
(813) 384-6052Nothing here is automated away. A licensed agent handles your account from the first call through every renewal.
Call the office or send the quote form. For a business we collect the real exposure — payroll, vehicles, square footage, prior loss runs, your license.
A licensed agent quotes you across the admitted carriers we're appointed with and lays the options out side by side, with the real premium for each.
You pick the policy that fits. We bind coverage with the carrier and issue your certificate of insurance or ID cards the same day.
Endorsements, certificates for your next job, claims help and a full review every twelve months. We stay your agent.
We are appointed directly with the carriers we quote and we do not sell or broker leads. Premiums depend on your exposure; below are the typical first-year ranges we see in the Tampa market.
Third-party bodily injury and property damage for shops, cleaners, landscapers and offices. Typical $480–$1,400 / yr.
Contractors · retail · service businessesRequired Florida coverage for employees, rated on payroll and class code. Typical from $0.60 per $100 of payroll.
Any business with employeesVehicles, trailers and small fleets used for the business, with hired and non-owned options. Typical $1,200–$2,600 per vehicle / yr.
Contractors · delivery · tradesBuilding, contents and business income bundled into a Business Owner's Policy with liability. Typical $700–$1,900 / yr.
Storefronts · offices · shopsInland marine coverage for the tools, equipment and gear that move from job to job. Typical $250–$650 / yr.
Tradespeople · field crewsHomeowners, personal auto, renters and umbrella for local Tampa families — often bundled with the carrier for a discount.
Families & individuals"They handled my GL and workers' comp in one afternoon and had my certificate ready before my next job. 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 the price explained line by line. No pressure, no surprise fees."
— Renata S., bakery owner, Carrollwood
"My agent shopped three carriers and saved me money on the fleet without dropping coverage. They actually pick up the phone at renewal."
— Tony V., landscaping crew, Brandon
Commercial Insurance Specialists, LLC. is a Florida limited liability company operating 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 and the agency carries its own errors-and-omissions coverage. 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 the desk from a licensed agent, get the price explained honestly, and have someone answer the phone when they have a claim.