Every industry has its unique risks and we have established a broad base of expertise across many fields to manage commercial risks. Our demonstrated understanding of specialty markets helps you maximize profitability by effectively managing risk.
We have specialized experience in:
Architects and Engineers – Smith Brothers currently serves over 1,000 architectural, engineering, and environmental consulting firms. We’re experienced at tailoring professional liability and other coverages and diligently pursue preferred pricing to meet the needs of these design professionals. We also conduct loss control seminars that help clients qualify for premium credits on their policies.
Construction – Smith Brothers enjoys a strong relationship with the construction and contractor industry and has partnerships with firms of every size and scope. They count on our specific industry knowledge to provide custom coverage and surety that helps their businesses thrive.
Distribution – Your supply chain faces exposures at every link. Increasingly severe weather events threaten warehouses, fleets, and other properties. Inventory is at risk of theft or damage. And everything from late supplier shipments to unpaid deliveries can impact your financial security. Smith Brothers consultants have your back. Our distribution insurance experts have the knowledge and experience to develop the right coverage program to protect your people, inventory, and facilities.
Food, Grocer, and Restaurant – In addition to a full spectrum of commercial property, general liability and business income coverages, our food service specialists can provide a host of value-added options for operators of food trucks and trailers, market vendors, caterers, and professional chefs – each tuned to the specific exposures faced by each client.
Healthcare Practice – With the continual evolution of the healthcare industry, a clear risk management strategy is more important than ever. Our specialized practice team is deeply versed in the malpractice, professional liability, and loss exposures faced by physicians, groups, nursing homes and associations, MSOs, ACOs, and home healthcare providers. We also bring broad experience with the transitional liability exposures these firms can encounter during mergers and acquisitions, to help ensure a compliant and confident transaction. Click here for more info on our Medical Practice coverages.
Hospitality – Business owners in the hospitality industry (motels, hotels, liquor stores, convenience stores, etc.) look to Smith Brothers for our expertise in the growing and ever-changing hospitality market. With over 20 years’ experience in the industry, including our lead advisor as a hotel/motel owner, we are fully ingrained in all things hospitality; understanding the risks and staying ahead of trends – all to position our clients for strong business results, happy customers and happy employees.
Jewelers – Smith Brothers can draw from an array of specialized carriers to create a coverage program that fits any jeweler’s needs, including retailers, wholesalers, manufacturers, and pawnbrokers. From jewelers block and standard policies that protect your inventory, memo or consignment stock, and client property, our coverage solutions ensure you remain safe from losses due to crime, shipping or travel risks, fire or natural disaster, or other threats to your valuable property.
Lawyer’s Professional – For law firms of all sizes, client claims and malpractice lawsuits are becoming more common, and they can have a devastating effect on your financial security. Smith Brothers offers dedicated coverage designed to protect legal professionals from the array of emerging exposures they face against losses resulting from negligence or omissions in the delivery of professional services. And these coverages will be tailored to fit your practice’s needs.
Manufacturing – Manufacturers face unique risks above and beyond the typical business, and Smith Brothers can develop a customized coverage program to address them. In addition to commercial auto, general liability, and property, we can help protect manufacturers from claims due to service interruption, errors and omissions, product recalls, and more. It’s the reason so many manufacturers trust Smith Brothers to keep their businesses, employees, and clients safe.
Real Estate – Owners, managers and developers of real estate look to Smith Brothers for our deep experience in all real estate types: industrial, retail, office, residential and multi-use. We have particular expertise in exposure analysis where we reveal gaps in coverage – 90% of real estate programs have them – and how those gaps can have a negative impact on a balance sheet. Then we develop tailored and flexible solutions that manage those risks while controlling costs.
Trucking & Hauling – Smith Brothers’ specialists understand the specific exposures faced by the transport industry and the need for absolute protection for vehicles, drivers, and goods. Beyond general liability, property and commercial auto coverage, we can customize your program with pollution coverage, non-trucking liability, and trailer interchange insurance. All while working to minimize the impact on your bottom line.