Commercial Insurance

Risk is a part of every business.

How you prepare for and manage risk can be your greatest business advantage.

Smith Brothers Insurance is here to help you protect and grow your company with commercial insurance. Our Enterprise Risk Management process takes into account every aspect of your business, its associated risks and your business objectives.

Smith Brothers Insurance advisors will aggregate this information, provide you with a unified picture of your total risk exposure, and work with you to improve your ability to monitor and manage those risks effectively so you can achieve your business objectives and maximize your profitability. Commercial Insurance with Smith Brothers Insurance will provide you with the coverage you need.

Our line of commercial insurance products includes:

  • Property
  • Liability
  • Fleet Auto
  • Umbrella
  • Flood
  • Disability
  • Cyber Liability
  • Professional Liability
  • Employee Benefits
  • Workers’ Compensation
  • Key Person Life Insurance
  • Employment Practices Liability
  • Directors’ & Officers’ Liability
  • Savings Accounts (HSA’s)
  • Healthcare Reimbursement Arrangements (HRA’s)
  • Our Property & Casualty Services

    Enterprise Risk Management

    We consider all aspects of your business, its risks, and your business objectives, then provide a unified picture of your total exposure, with strategies to maximize profitability.

    Contract Lease Review

    Our contract review service ensures a contract is understood and agreed upon between parties prior to signing.

    Claims Monitoring/Reviews

    Our claims monitoring and review services analyze paid claims to limit erroneous expenses and contain costs.

    Dedicated Marketing Department

    We analyze a client’s total risk profile to provide optimized coverage terms and conditions.

    HR Guidance

    Our exceptional HR consulting service can work with you to develop benefit strategies, HR procedures and literature, develop employee relations, and much more.

    Premium Allocations

    We help create a flexible allocation model where premiums and fees are fairly apportioned for all participants.

    Certificate Review

    We conduct routine coverage reviews to ensure our clients have the right amount of coverage based on their up-to-date needs.

    Dedicated Claim Unit

    When a claim is under review, we take on the role of client advocate to help ensure an equitable resolution.

    Experience Mod Watch

    We monitor your company’s experience modification rate, to help keep workers’ compensation premiums at the appropriate rate for your business.

    Loss Control

    Our commitment to proactively reduce or eliminate preventable losses is a major component of our asset protection strategy.

    Bid Specification Review

    Our advisors can provide an independent review of bid documents to ensure work requirements are clear, documents are correct and coordinated, to help reduce project risks and costs.