Business Details
30 Years
experience
Emergency
services
Trusted Insurance Services in Miami, FL
E & L Insurance has been a trusted provider of comprehensive insurance solutions in Miami, Florida since 1996. With over 25 years of experience serving individuals, families, and businesses across the entire state of Floridafrom the panhandle to the keyswe specialize in connecting clients with top-rated insurance carriers to deliver competitive rates and personalized coverage. Our agency prides itself on a customer-centric approach, dedicating time to understand each client's unique needs and recommending tailored insurance packages that prioritize protection and value. Founded by Enrique and Lynne Ruiz, our team combines deep industry expertise with a commitment to community involvement, ensuring clients receive not only quality insurance but also exceptional service. We offer a wide range of insurance products, including homeowners, auto, commercial, flood, and recreational insurance, alongside professional liability coverage and bonds.Our flexible hours and responsive team ensure clients can access support whenever needed, whether for quotes, policy adjustments, or claims assistance. Recognized for our dedication to transparency and client education, we guide customers through the complexities of insurance policies to help them make informed decisions. With a focus on building lifelong relationships, we have earned a reputation for reliability and trustworthiness, as evidenced by numerous positive testimonials from satisfied clients. Our mission remains steadfast: to provide Floridians with insurance solutions that protect their investments while offering peace of mind.
Services
Homeowners Insurance
Car Insurance
Commercial Insurance
Flood Insurance
Recreational Insurance
General Liability Insurance
Workers Comp
Restaurant Insurance
Details
- Year established: 1996
Highlights and features
- We offer over 25 years of experience in Florida insurance solutions.
- Our team connects clients with top-rated national insurance carriers.
- Flexible hours ensure support whenever clients need assistance.
- Personalized approach to understanding and addressing unique insurance needs.
- Recognized for transparency, client education, and community involvement.
What people say
Knowledgeable, responsive staff
Customer-centric approach
Prompt, concise replies
First-class service
Dedicated to client needs
Services
Homeowners Insurance
Protect your home investment with comprehensive homeowners insurance tailored to Florida's unique risks. Our policies cover property damage, personal liability, and additional living expenses, ensuring financial security during unexpected events like storms or accidents. With competitive rates and customizable options, we help clients secure coverage that aligns with their budget and lifestyle while maintaining quality protection.
Car Insurance
Safeguard your vehicle with reliable car insurance designed for Florida drivers. Our coverage includes liability, collision, and comprehensive protection against theft, weather damage, and accidents. We work with top-rated carriers to offer competitive premiums and personalized policies, ensuring clients receive optimal coverage for their vehicles and driving needs while prioritizing affordability and customer satisfaction.
Commercial Insurance
Secure your business with specialized commercial insurance tailored to industry-specific risks. Our policies protect against property damage, liability claims, and employee-related incidents, ensuring operational continuity. We collaborate with clients to assess their unique needs, offering customized solutions that balance comprehensive protection with cost-effectiveness, supported by partnerships with reputable national carriers.
Flood Insurance
Mitigate flood-related risks with dedicated flood insurance policies for residential and commercial properties. Given Florida's vulnerability to flooding, we provide coverage for structural damage and belongings, complementing standard homeowners policies. Our experts guide clients through options to ensure adequate protection, emphasizing affordability and compliance with federal or state requirements where applicable.
General Liability Insurance
Protect your business from liability claims with general liability insurance covering third-party injuries, property damage, and advertising injuries. We offer policies tailored to small and large enterprises, ensuring legal and financial safeguards. Our approach combines competitive pricing with thorough risk assessment to deliver policies that align with clients' operational needs and industry standards.
People
Enrique Ruiz
President
Enrique Ruiz, CPIA, PIAM, founded E & L Insurance in 1996 after a career in real estate and insurance consulting. A University of British Columbia graduate, he actively contributes to industry groups like the Latin American Association of Insurance Agencies and focuses on client education and community engagement.
Lynne Ruiz
Co-Founder
Lynne Ruiz, CPIA, PIAM, co-founded E & L Insurance in 1996, leveraging her hospitality management background to prioritize customer service. She specializes in commercial and personal lines insurance, emphasizing personalized client support and community involvement through active local engagement.
Questions
What types of insurance does E&L Insurance offer?
We provide homeowners, auto, commercial, flood, recreational, general liability, workers' comp, and restaurant insurance across Florida.
How can I get a free insurance quote?
Request a quote online or call us at (888) 700-4049. Our team will guide you through coverage options tailored to your needs.
Do you offer 24/7 customer support?
Our office hours are Monday-Friday 9 AM-5 PM, but our team is available to assist with urgent inquiries outside these times.
Can I make insurance payments online?
Yes, you can make payments directly online or over the phone to maintain active coverage without interruption.
What areas do you serve?
We service all of Florida, from Miami to the panhandle and keys, providing statewide insurance solutions.
How do I file a claim?
Report claims promptly by calling us at (888) 700-4049 or using our online portal for quick processing and support.
Reviews (7)
Ilariabellonigroup BHHSEWMrealty
Jun 09, 2022
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Lynne is wonderful. Professional, knowledgeable, quick in responding and always following up. Great source for the best product for your needs. I highly recommend her.
Brandon L.
May 08, 2022
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Lynne assisted me with homeowners insurance and got me the lowest quote and best coverage available for my condo.
Fernando Cordoba
Apr 17, 2022
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E&L Insurance offer an amicable, professional and timely service, I would recommend them to anyone who would ask me for Insurance in South Florida.
Monique Theo
Apr 11, 2022
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Horrible service from Lynn, whoever she is. I called to get a quote for car insurance and she was telling me to call my prior insurance company to get back with them, Note if I wanted to get back with them I wouldn't call you. Anyway after taking my whole information to get a simple quote I called the next day and she DID NOT have a quote for me.my time is very valuable and I don't like horrible business service.
Alexandra Alerte
Mar 06, 2022
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I had such a great experience with E&L. Lynne is extremely knowledgeable, firm, and really gets the job done all while maintaining professionalism. I would refer this agency to other colleagues as a result of her service and responsiveness.
Diana Rodriguez
Feb 23, 2022
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Lynne is the best! We've been with them for three years and she's always available to assist with anything we call her for. Extremely happy with them. Highly recommended.
Jacki Chernikoff
Feb 20, 2022
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Elvira is truly amazing. Her response time is excellent and she is exceedingly patient and kind. I love working with her and E&L Insurance.
