Tampa Bay Business & Personal Insurance
Independent property & casualty coverage for Tampa businesses, property owners, and families. 30+ carriers, licensed in Florida, no pressure, no runaround.
Tampa Bay sits on one of the most surge-exposed coastlines in the Gulf, and Helene and Milton in 2024 reset how carriers price Pinellas and coastal Hillsborough. Roofing is the region's busiest trade, Florida licensing requires proof of GL and workers' comp before a contractor can operate, and wind-mitigation inspections drive both eligibility and premium on every residential property. We place property, contractor, and personal programs across Hillsborough, Pinellas, and Pasco with carriers that still have Gulf appetite.
What Carriers Price in Tampa
- ✓ Named-storm deductibles of 2%–10% apply per building, and surge exposure in Zone A and Zone AE neighborhoods makes flood a mandatory second policy that most owners under-limit.
- ✓ Wind-mitigation features (roof shape, roof-to-wall attachment, opening protection, secondary water resistance) produce statutory premium credits and often decide whether a carrier will write the risk at all.
- ✓ Roofing contractors face open-roof exclusions and height limits, Florida Building Code product-approval requirements, and mandatory workers' comp from the first employee with narrow, audited exemptions.
- ✓ Multifamily and self-storage investors along I-4 and I-75 need loss-of-rents limits that reflect post-hurricane repair timelines, which routinely exceed twelve months.
Who We Insure in Tampa
Areas We Serve Around Tampa
- Downtown Tampa & Channelside
- South Tampa & Hyde Park
- Westchase & Citrus Park
- Brandon & Riverview
- St. Petersburg & Pinellas
- Clearwater & the Gulf beaches
- Wesley Chapel & Pasco
- Lakeland & Polk County
Tampa Insurance Questions We Hear Most
How does a wind-mitigation inspection lower my Tampa premium?
Florida law requires carriers to credit documented mitigation features. A hip roof, clips or straps at the roof-to-wall connection, impact-rated openings, and secondary water resistance can reduce the wind portion of a premium by a significant percentage. The inspection is inexpensive and valid for five years.
Does a Tampa roofer need workers' comp with only two employees?
Yes. Florida requires construction-industry employers to carry workers' comp with even one non-exempt employee. Officer exemptions are limited to three per company and are audited. Licensing boards require proof before issuing or renewing a license.
Is storm surge covered by my Tampa windstorm policy?
No. Surge is flood, and flood is excluded from every wind and property policy. Pinellas and coastal Hillsborough properties need NFIP or private flood coverage as a separate layer.
Run a Coverage Diagnostic for Your Tampa Risk
Two minutes. A licensed Florida advisor compares your current policy against 30+ carriers and shows you the deductible math in dollars.
Run Your Coverage DiagnosticCoverage descriptions are summaries only and are subject to the terms, conditions, and exclusions of the actual policy. Deductible figures are illustrative. Availability, eligibility, and pricing vary by carrier and risk. Submitting a request does not bind coverage. Wirehaired Trust is a dba of Pointeriaus, a licensed independent property & casualty insurance agency in Texas and Florida.