May 25, 2011 – S.H. Smith & Company is pleased to announce the addition of a few coverage enhancements for 2011.

In an attempt to continually improve and evolve our Petroleum Advantage™ Umbrella Program, we have added the following coverage enhancements:

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.

For a complete list of our Petroleum Advantage™ Program features, including coverage highlights and target classes, please contact This e-mail address is being protected from spambots. You need JavaScript enabled to view it. , Chief Program Officer, at 440-596-8654.