ABOUT OUR INSURANCE AGENCY IN MIAMI


Affordable and quality insurance since 1996

Even though our headquarters is located in Miami, Florida, we service the entire State of Florida. From the panhandle to the keys, we've got you covered for all your insurance needs.

E&L Insurance Service is an all-inclusive, client-focused insurance agency in Miami, FL dedicated to providing individuals, families, and businesses with the highest quality insurance coverage. As a well-established, local insurance agency in Miami, we have access to top-rated carriers across the nation, allowing us to offer you the best rates throughout Florida.

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OUR MISSION

To provide customers with the most comprehensive insurance package that caters to their individual lifestyle.

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OUR APPROACH

We spend the time to understand our customers, so not only can we service their insurance needs, but also so we can connect them to others that can benefit from their services.

WHY OUR MIAMI AGENCY IS DIFFERENT

EXPERIENCE GOES A LONG WAY

Never place your insurance needs in the hands of an inexperienced carrier. It's imperative to conduct thorough research to identify the best insurance carriers in Miami and throughout the state of Florida.

BEST CARRIERS IN FLORIDA

It seems nearly impossible to figure out which insurance carrier in Miami to trust, but E&L Insurance you have direct access to insurance quotes from premium insurance carriers in the state to match you with quality coverage right away.

FIRST CLASS SERVICE

If you want a high-quality customer service experience when you need various types of Miami insurance, you have come to the right place. Our company not only provides you with the most competitively priced quotes for Miami home and auto insurance, we guarantee that you are only matched with first-class options worthy of your investment.

WE ARE HERE, WHENEVER YOU NEED US

Our company's flexible hours of operation are an additional benefit of trusting E&L Insurance as your one-stop shop for quality Miami insurance quotes. Whether you want to buy an insurance policy in the morning or have an insurance question late at night, our team of experienced insurance professionals is here for you whenever you need us.

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Over 20 years of providing Floridians with insurance solutions.

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Dedicated to providing the highest quality Miami insurance.

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Committed to being there when you need us. Don’t talk to a machine but a REAL person.

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We respond quickly to your request. From quote to claim, we make it fast.

MEET OUR MIAMI INSURANCE TEAM

Since 1996, E&L Insurance has been providing quality service and affordable insurance at competitive rates to consumers and businesses in Florida. Through the guidance of owners Enrique and Lynne Ruiz, our insurance agency in Miami FL has the is focused on creating and building life long relationships with each customer.

Enrique Ruiz
ENRIQUE RUIZ, CPIA, PIAM

Enrique Ruiz, CPIA,PIAM is President of E&L Insurance Services, Inc., and past President of the Latin American Association of Insurance Agencies (LAAIA) in Miami, Florida.

He is a native of Nicaragua who moved to Canada when he was 13 years old to attend St. Michael’s University School in Victoria, British Columbia. He graduated from the University of British Columbia in Vancouver, Canada with a B.A. in Economics. After completing his studies he relocated to Toronto, Ontario where he was Regional Project Manager of condo conversions for RFB Investments.

In 1995 Enrique decided to move to Miami to be closer to his family and founded E&L Insurance in 1996. He has appeared on Television and Radio programs to educate consumers on a wide range of insurance topics. Enrique has served on a variety of Insurance related groups including, the Progressive Insurance Company’s agent’s council and in the committee for the drafting of the Home Owners’ Policy & Claims Bill of rights chaired by the honorable Robin Westcott. Over the years Enrique has been a part of an active group of agents that focus on a wide range of issues affecting the Insurance Industry and is currently appointed on the Board of Directors of the LAAIA.

In his spare time he loves to run and cycle and ski, and is currently training for his fifth half-marathon.

“I have owned E&L Insurance Services since 1996. Our agency consults with all of our clients on their insurance needs. Our goal is to thoroughly understand our customer's insurance needs and make the proper recommendations for coverage. Our relationship with top rated carriers allows us offer our clients a wide range of options for coverage to fit all budgets.

Specialties: Commercial and Personal lines insurance as well as Professional Liability Insurance and bonds.”

Lynne Ruiz
LYNNE RUIZ, CPIA, PIAM

Lynne was born and raised in Ontario, Canada. After completing her studies in Hospitality and Tourism Management she relocated to Vancouver, B.C. where she accepted a position with the Pan Pacific Hotel, and then the Four Seasons Hotels and Resorts. She moved to Toronto in 1993 when she accepted a position with Le Meridien Hotel & Resorts.

In 1995 Lynne moved to Miami with her husband Enrique. They founded E&L Insurance in 1996.

In their spare time they love to run, cycle and ski, and are currently training for their fifth half-marathon.

"We focus on being actively involved in our community and helping customers and businesses anyway we can."

MIAMI INSURANCE CARRIERS WE REPRESENT

Maybe you've encountered a low-quality Miami insurance carrier in the past—an experience that may have forced you to be skeptical and reluctant when it comes to buying more insurance. However, you do not need to worry about hesitating when buying insurance through our company since we only represent the very best Miami insurance carriers available.