Insurance is not a commodity; it is a long-term commitment. Integrity, stability and financial strength are the foundations of a successful relationship. Those who make decisions without full consideration of the future fail to comprehend the very nature of insurance itself. Those of us who consider ourselves insurance professionals understand that the product and counsel we offer are the ultimate safeguards of our client's economic well-being.

Insurance is based on trust. All parties involved in an insurance transaction rely on the knowledge that all negotiations must be carried out in utmost good faith. This concept goes beyond the strict compliance with laws and regulations; it is not only the letter of the law but also the highest standards of business and personal behavior that define our reputation and ultimately determine our success. Conscientious people, not laws, are the true guarantors of ethical conduct.

S.H. Smith & Company takes great pride in the professional knowledge and honesty of our people. We are committed personally and corporately to providing the most professional service to our clients, and to represent only the most reputable carriers and coverage. We will abide by the following principles.

Our Commitment

We consider the selling, service and administration of insurance products as a profession as well as a public trust and will do all in our power to maintain its prestige.

We will respect and maintain our client's trust, always understanding the need for confidentiality.

We will treat all clients and potential clients fairly by submitting factual and accurate applications that represent all available information pertinent to the underwriting process.

We will always abide by the laws of the jurisdictions in which we practice.

We will always seek to increase our knowledge in order to improve our ability to meet the needs of our clients.

We will be fair and just to our competitors and engage in no practices that will reflect unfavorably on us or our industry.