Local Tampa, Florida insurance coverage that fits your family & business needs, with a team that knows your name.
Home, storm surge, and flood insurance in Tampa, Florida
Tampa sits at the head of Tampa Bay, from the Riverwalk and Ybor City to South Tampa, Davis Islands, and New Tampa. Its port, MacDill Air Force Base, and the University of South Florida anchor the local economy.
Helene and Milton in 2024
Hurricane Helene (2024) pushed storm surge into Davis Islands, Bayshore Boulevard, and other low-lying streets around the bay, and Hurricane Milton followed two weeks later. Surge is flood, which a home policy does not cover, so we quote flood insurance for homes near the water.
Older bungalows and new construction
Seminole Heights and Hyde Park have many older homes that need roof and system updates to qualify with private carriers, while New Tampa has newer homes that often earn wind mitigation credits. We shop homeowners coverage for both.
Boats, businesses, and bridges
We insure boats kept on the bay and the Hillsborough River, write auto insurance for drivers crossing the Howard Frankland and Gandy bridges, and cover local businesses across Hillsborough County.
Your insurance team for Tampa, Florida
We work with Tampa households and business owners, and also serve nearby Brandon, Temple Terrace, Riverview, Lutz, and Plant City, along with communities across Florida.
Bundle home, auto & umbrella.
Bundling opens up more carriers, more coverage options, and better rates. We’ll stack every discount you qualify for.
On the road (and the water)
Daily drivers, weekend toys, and everything with a motor or a sail.
Under your roof
Owners, renters, landlords, and the place you’re still building.
Everything else that matters
The people, pets, and treasures you’d never want to replace.
Protection for every side of your business.
Every business is different. We partner with you to build a clear insurance and risk plan that lowers risk, manages cost, and lets you move ahead with confidence.
General Liability
Covers injuries on your premises and business activities that damage someone else’s property. Same-day coverage available.
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Business Owners Policy
An affordable way to bundle general liability and commercial property insurance into one policy.
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Commercial Auto
Covers vehicles used for business, like delivery trucks or service vans, including accident liability and physical damage.
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Workers’ Compensation
Required by law in most states. Covers medical bills, lost wages, and rehab costs for on-the-job injuries.
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Cyber Liability
Helps pay data breach costs, including legal fees, customer notifications, and credit monitoring for anyone affected.
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Professional Liability
Also called E&O. Covers claims from professional errors, negligence, or malpractice.
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Commercial Property
Protects your building, inventory, furniture, equipment, and fixtures from fire, theft, vandalism, and natural disasters.
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Builders Risk
Protects structures under construction from fire, theft, and vandalism, plus on-site materials, equipment, and supplies.
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Elye exists to safeguard your family or business with proactive, strategic insurance planning, not just annual renewals.
Michael Urbano · Founder, Elye Insurance
Your trusted insurance advisor in Tampa, Florida providing insurance solutions for every stage of life.
Insurance services offered by Elye Insurance in Tampa, Florida.