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 SUCCEEDING FOR OUR CUSTOMERS:
That's what we thrive on.
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 4th quarter successes, broken down by department:
PROFESSIONAL & MANAGEMENT LIABILITY
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Healthcare and Consultant Management Organization – able to place coverage on combination Professional and Technology Services E&O policy form with multiple custom endorsements specifically tailored for the insured |
Privacy Coverage |
5M/5M |
$49,500 |
| Radiology Center – provided coverage for start-up |
Medical Professional Liability |
1M/3M |
$28,000 |
| School for Nurse Anesthetist – offered unique coverage for nursing anesthetist students |
Medical Professional Liability |
1M/3M |
$7,500 |
| Landscape Architect Company – placed coverage on the non-renewal by prior carrier due to claim activity |
Architects & Engineers Professional |
2M |
$199,500 |
| Title Agency –located in the VI, able to offer substantial savings at the last minute when incumbent carrier chose to non-renew |
Miscellaneous E&O |
1M |
$25,000 |
| Publicly Traded Telecommunications company |
D&O Liability |
10M |
$55,000 |
| Integrator/Reseller– data storage equipment |
Private Company D&O/EPL and Tech E&O |
1M D&O/EPL, 2M Tech E&O |
$4,100
D&O/ EPL $4,600
Tech E&O |
| Marketing Consultant – performs customer data mining and predictive analytics techniques |
Tech E& O with Cyber/Privacy Coverage |
25M
|
$90,000 |
LARGE COMMERCIAL CASUALTY, PROPERTY & ENVIRONMENTAL
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Shopping Center – 10 year site pollution policy |
Pollution Liability |
2M/2M |
$75,000 |
| Distributor – wholesale electronics appliances |
Excess Liability |
25M/25M |
$12,164 |
| Iron Re-certification Contractor |
CGL |
1M/2M |
$33,963 |
| Sales – new and used Machinery |
CGL |
1M/1M |
$17,500 |
| Manufacturing – specialty paper |
Site Pollution Liability |
10M |
$81,563 |
| General Contractor – residential remodeling |
CGL |
1M/2M |
$23,244 |
| Frame Builders Risk |
Builders Risk |
12M |
$33,117 |
| Plastics Manufacturer – performs custom injection plastic molding for various industries |
CGL |
2M/2M |
$39,396 |
| Commercial Bakery – high volume commercial bakery conducting business in multiple states, large fleet of delivery vehicles |
Excess Liability |
5M |
$157,400 |
PROGRAMS
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| School Bus operation out of TN – 23 units |
Public Auto |
5M |
$29,332 |
| Large Towing Operation out of TN – 24 units, wrote entire package |
Tow Trucks CPP |
1M Auto, 1M/3M GL/ Property GKLL and on hook |
$102,249 |
| Petroleum Umbrella – Minimum to large risk: heavy gallon consumption and c-store sales with medium sized fleet |
Umbrella Liability - Petroleum |
4M
|
$30,600 |
| Private University – located in OH |
Excess Liability - Educational Institution |
10M/10M
|
$30,600 |
IN-HOUSE UNDERWRITING
| TYPE OF BUSINESS |
COVERAGE |
LIMITS |
PREMIUM |
| Senior Companionship Service – company provides non-medical visits to Seniors, run errands and housekeeping |
CPP |
1M/2M GL
1M/3M Professional |
$575 |
Local Cable TV Station – RI location
|
CPP |
1M/2M GL
200K BPP
|
$2,169 |
| Importer/Distributor – organic olive oils from Chile |
CPP |
1M/2M |
$2,150 |
Demolition Contractor – Ohio based operation
|
CGL |
1M/2M |
$1,957 |
| Medical Marijuana Dispensary |
CPP |
1M CSL
25K BPP
|
$1,019 |
| Two Family Owner Occupied Home – located in New Haven, CT with previous losses |
Homeowners |
560K Dwelling |
$3,290 |
| Airport Valet Parking – Connecticut Location |
Workers Compensation |
1M/1M/1M |
$27,000 |
 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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