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 approach considers every aspect of your business, its associated risks, and your business objectives.

We 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.

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 approach 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
  • Workers’ Compensation
  • Key Person Life Insurance
  • Cyber Liability
  • Employment Practices Liability
  • Directors’ & Officers’ Liability
  • Professional Liability
  • Employee Benefits
  • Healthcare Reimbursement Arrangements (HRA’s)
  • Savings Accounts (HSA’s)

Connect With A Commercial Insurance Specialist

Our Services Include

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.

HR Guidance

Our exceptions 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.

Loss Control

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

Certificate Review

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

Claims Monitoring/ Reviews

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

Experience Mod Watch

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

Bid Specification Review

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

Dedicated Marketing Department

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

Dedicated Claims Unit

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

Dedicated Claims Unit

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