SINCE 2001, S.H. SMITH & COMPANY'S UMBRELLA FUEL OIL PROGRAM HAS PROVIDED ACCESS TO EXCLUSIVE COVERAGE FORMS FOR THOUSANDS OF OUR CUSTOMER'S UNIQUE PETROLEUM EXPOSURES.

In an attempt to continually improve and evolve our Petroleum Advantage™ Program, S.H. Smith & Company is pleased to announce the addition of a few coverage enhancements for 2011 that make our Program better and more competitive than ever:

Crisis Management
Crisis Management has now been added to the standard coverage offered in the program. It provides $25,000 of protection for public relations expenses incurred by an insured to mitigate adverse media reporting of a catastrophic accident. Advertising and travel-related costs of managers or employees are also included.

Specialized Fuel Oil Coverage Extensions
The program now incorporates specialized fuel oil coverage extensions directly into the commercial umbrella policy, eliminating the complexity of multiple endorsements. Follow Form Erroneous Delivery, Follow Form Punitive Damages and Follow Form Failure to Supply are examples of the consolidated form. Pollution coverage for Upset & Overturn, Hostile Fire, Loading & Unloading, Seepage and Products/Completed Operations are also automatically included.

Other Petroleum Advantage™ features include:

Coverage Highlights:

Target Classes:

General Coverage:

Follow Form Coverage:

S.H. Smith & Company is a nationally recognized expert in underwriting petroleum risks, acting as an intermediary insurance brokerage between top insurance carriers and insurance agencies across the country to help secure the right umbrella liability coverage for fuel marketers and their related operations. Contact us today to see how you can obtain a quote.

Scott Bartlett
Chief Program Officer
(440) 596-8654

Robert Zimmerman
Underwriter
(800) 356-0168 x 1302
(860) 656-1302

S.H. Smith & Company is licensed to work in all 50 states and has offices in Connecticut, Maryland, Massachusetts, Minnesota, New York, Ohio, and Rhode Island.

We are pleased to introduce our new Chief Program Officer, Scott Bartlett.

Scott has been with S.H. Smith & Company for a total of 10 years and has extensive experience in structuring and implementing national MGA programs. In his new role as the head of the Programs Department, Scott is responsible for developing and maintaining program carrier relationships. He is also responsible for selecting and implementing the agent base, which will have access to the various programs. Scott will play a vital role in forming the data necessary for carrier evaluation.

We are excited to have Scott at S.H. Smith & Company to lead our Programs Department into new territories.

Scott can be reached at (440) 596-8654 or This e-mail address is being protected from spambots. You need JavaScript enabled to view it. .

CONNECTICUT, MARYLAND, MASSACHUSETTS, MINNESOTA, NEW YORK, OHIO, RHODE ISLAND