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At S.H. Smith & Company, we succeed for our customers every day. To us, success means that our customers sleep soundly at night knowing that their risks have been thoroughly and thoughtfully underwritten by some of the wholesale insurance industry's foremost experts. Success means finding creative solutions for complex exposures or creating solutions when none exist. Success means always leading the way with integrity as our guide. If you like our company success story, we invite you to contact one of our experts for more information. If given the opportunity, we would love to show you the S.H. Smith & Company difference.
Here are a few of our recent successes:
PROFESSIONAL & MANAGEMENT LIABILITY
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Health Center whose incumbent carrier non-renewed. Acct quoted and bound within a 48 hour time period |
Combined CGL & Professional Liability |
1M/3M |
$49,999 |
| DNA testing company – forensics cases, paternity cases, and various plant and animal applications |
E&O |
1M |
$3,500 |
| Digital and online videography services company for court reporting, depositions and other legal applications |
E&O |
1M |
$5,000 |
| Publicly traded company that was recently reorganized via reverse merger |
D&O |
20M |
$144,500 |
| Propane company – EPLI and Fiduciary, with a carrier who also provided Environmental Liability coverage. Separate limits for E&O, D&O Fiduciary and Crime. |
Private Company D&O |
15M Aggregate |
$30,000 |
| Land surveyor firm – offered a quick turnaround policy including technology related coverages |
Architects & Engineers Professional Liability |
1M/1M |
$4,838 |
LARGE COMMERCIAL, PROPERTY & ENVIRONMENTAL
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Fiber optic/ telecom installation in a seasonal coastal region – $33M in subcontracted cost |
CGL |
1M/2M/2M |
$96,000 |
| Residential GC – Build or renovate high value homes, 100M in receipts |
Excess Liability |
10M |
$75,000 |
| Chemical plant – Manufacturer of water treatment and mining chemicals |
CGL |
1M/2M/2M |
$23,000 |
| Shopping center - coastal Texas |
Property |
6M |
$20,000 |
| Manufacturer of fuel nozzles |
Aircraft Product Liability |
5M |
$11,527 |
PROGRAMS
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Fuel transport risk – 14,000,000 in limits. Coverage was bound using our competitive rates and great coverage forms |
Umbrella Liability |
14M |
$45,000 |
| 18 unit fleet charter bus company – wrote new business with established bus operation due to the exceptional loss control & risk engineering services provided by our A+15 AM Best rated carrier. |
Charter Bus |
5M |
$157,089 |
| New York service station –provided auto liability and physical damage for fleet, including on hook |
Tow Trucks |
1M Auto Liability /
600K GKLL
|
$22,494 |
| 17 unit fleet taxi company – incumbent carrier dropping the renewal class, able to offer A rated insurer who provides loss control solutions and industry experience |
Auto Liability |
100K Auto Liability
|
$48,000 |
IN-HOUSE UNDERWRITING
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Manufacturer, servicer and distributor of lift tables and conveyors |
GL and Property |
1M/2M GL
10K Prop |
$14,750 |
Manufacturer and seller of bear attractant for hunting
|
GL and Property |
1M/2M GL
10K Prop |
$1,600 |
| Total fire loss building – wrote Builders Risk on Admitted Paper |
Property |
400K Prop |
$2,600 |
Chinese Buffet Restaurant with liquor-admitted paper
|
Business Owners Policy Form |
30K business personal property |
$6,300 |
| Internet sale of tea, spices, herbs and coffee products |
GL and Property |
1M/2M GL
5K Property |
$1,050 |
| Country concert in Ohio with nationally recognized performers – 13,000 Attendees |
GL and Liquor |
1M/2M GL
1M/1M Liquor |
$4,100 |
 To learn more, contact us by calling (800) 356-0168 or visiting our website to find an expert.
S.H. Smith & Company is licensed to work in all 50 states and has offices in Connecticut, Maryland, Massachusetts, Minnesota, New Jersey, New York, Ohio, and Rhode Island.
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