Licensed Independent Insurance Agency — Tampa Bay Area
Commercial Insurance Specialists, LLC. is an independent insurance agency serving the Tampa Bay area from our office on Colwell Ave. 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.
When you work with us, you sit across the desk from a licensed agent who shops your coverage across multiple carriers, walks you through the quotes side by side, and handles your policy for its entire life — endorsements, certificates, claims help, and the annual renewal review. The consultation and quote are always free. We are compensated by standard carrier commission when a policy is bound.
Coverage for contractors, cleaners, landscapers, and small businesses. Protects against third-party bodily injury and property damage claims. Typical Tampa-area premiums run $480–$1,400 per year depending on trade and payroll.
Required coverage for businesses with employees. Rated on payroll and class code — generally from $0.60 per $100 of payroll for lower-risk trades. We shop multiple carriers to find the best rate for your operation.
Liability, collision, and comprehensive coverage for work vehicles. Single trucks to small fleets. Typical range: $1,200–$2,600 per vehicle per year. We handle the fleet schedule and driver additions year-round.
Bundles commercial property and general liability into one policy at a lower combined premium. Ideal for small retail shops, offices, and restaurants. Usually $700–$1,900 per year.
Covers tools, equipment, and materials in transit or stored off-site. Essential for trades that move equipment between job sites. Typically $250–$650 per year.
Homeowners, personal auto, renters, and umbrella policies for local families. Same carrier shopping and agent service we bring to our commercial clients.
Call, visit our office, or fill out a quote request. We respond the same business day.
A licensed agent reviews your situation — payroll, vehicles, property, prior losses — whatever applies to your coverage needs.
We submit your account to multiple admitted carriers and present the quotes side by side so you can compare.
You choose, we bind. From that day we handle certificates, endorsements, claims, and renewals for the life of the policy.
Commercial Insurance Specialists, LLC. is a Florida limited liability company registered with the Division of Corporations under document number L11000105867. Our principal office is at 3438 Colwell Ave, Tampa, FL 33614.
We are a licensed independent agency — not an underwriter, not a lender, and not a lead-generation website. We place coverage with admitted carriers and service it. The premium the carrier quotes is the premium on the policy. No junk fees, no bait-and-switch, no "guaranteed lowest rate" claims.
Our service area covers Tampa, Town 'N' Country, Carrollwood, Westchase, Citrus Park, Brandon, Temple Terrace, and the rest of Hillsborough County.