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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 is a sample of our 2011 3rd quarter successes, broken down by department:
PROFESSIONAL & MANAGEMENT LIABILITY
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Public School District |
A&E Professional |
2M/10M |
$1,086,266 |
| Adoption & Foster Care Facility |
CGL/Professional |
2M |
$8,400 |
| Financial Sector – IPO for financial brokerage firm |
D&O |
5M |
$112,500 |
| Law Firm – hard to place account due to frequency and severity of claims and difficulty in area of practice |
Lawyers Professional Liability |
1M/2M |
$76,155 |
| Hospital |
Cyber, Security & Privacy |
3M |
$33,730 |
| Administration Firm – secured 3M limit for a comprehensive breach response form which offers coverage for up to 2M notified individuals |
Technology-related Coverages |
3M |
$32,075 |
| Radiology Center – was able to offer better coverage than incumbent carrier through understanding complexities involved in existing claims |
Medical Professional Liability |
250K/750K |
$85,350 |
| OB/GYN Practice |
Malpractice Liability (Institutional) |
1M/3M Entity;
1M/3M Per Physician
|
$494,000 |
COMMERCIAL, PROPERTY & ENVIRONMENTAL
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Armed Security Firm – Off-duty Policemen with claims |
CGL |
1M/2M |
$37,500 |
| Herbicide Applicator – Ground Spraying |
CGL |
1M/2M |
$16,120 |
| Non-Emergency Medical Transport |
Excess Auto |
5M |
$12,365 |
| Country Club/Private Golf Course |
Pollution Liability |
15M/15M |
$213,235 |
| Logging Company |
Excess Liability |
5M/5M |
$51,415 |
| Commercial General Contractor |
CGL |
1M/2M/2M |
$20,000 |
| Non-profit training organization |
Foreign Liability |
1M |
$3,738 |
| Retail Development Company – policy includes various locations in WA, OR, ID, UT and CA |
Pollution Liability |
5M/10M |
$130,987 |
PROGRAMS
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| School Bus – new business, 53 units |
Charter Bus |
5M |
$96,487 |
| Texas Towing Operation – provided auto liability coverage |
Tow Trucks CPP |
1M Auto CSL |
$32,640 |
| NY Towing Operation – provided auto liability and on-hook coverage |
Tow Trucks CPP |
1M Auto CSL 100K On-Hook
|
$22,172 |
| Large Propane Dealer |
Umbrella Liability - Petroleum |
10M
|
$473,000 |
| Small Oil Company – 2 unit fleet |
Umbrella Liability - Petroleum |
1M
|
$3,000 |
| Private Secondary School |
Umbrella Liability - Educational Institution |
10M
|
$18,921 |
IN-HOUSE UNDERWRITING
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Fraternity House – property coverage |
CPP |
$485K |
$3,200 |
Rope Turner/Manufacturing
|
CGL |
1M/2M GL
|
$1,000 |
| College Bar/Restaurant – package policy for a restaurant located in a college town |
GL/Liquor |
1M/2M GL
1M/1M liquor |
$14,760 |
Dog Food Manufacturer
|
CGL |
1M/2M |
$1,500 |
| Island Property – Located off the coast of Connecticut, no running water, heat or electricity. Able to offer reasonable quote with favorable terms |
Homeowners |
150K Dwelling
300K Liability |
$1,351 |
| Manufacturer of Electrical Components |
Workers Compensation |
1M/1M/1M |
$48,270 |
| Steel Recycling Operation |
Workers Compensation |
500K/500K/500K |
$12,860 |
 To learn more, contact us by calling (800) 356-0168 or by visiting our website to find an expert.
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CONNECTICUT, FLORIDA, MASSACHUSETTS, MINNESOTA, NEW YORK, OHIO, RHODE ISLAND
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