Contractors

For commercial or residential contractors from New York to Florida, obtaining coverage can be as difficult as erecting a bridge or skyscraper. Whether your client is a general contractor or artisan contractor building commercial or residential properties, town homes or condominiums, we have the expertise you need. Even with owner interest programs for such projects. We can also handle environmental specialists.

Products in this area include:

• General Liability
• Property
• OCP's
• Contractors
• Pollution Liability
• Architects and Engineers E&O
• Construction Managers E&O
• Employment Practices Liability
• Umbrellas

Educational Institutions

Protecting an educational institution means protecting not only physical assets, but potential assets such as loss of tuition income due to damage to the physical plant. It means protecting students, staff, volunteers and board members. School violence, sexual molestation and employment practice claims are just a few of the risks educational institutions now face.

Products in this area include:

• General Liability for hard-to-place clients
• Property
• Educators/School Board Legal Liability
• Employment Practices Liability
• Abuse & Molestation
• Umbrella Educational
• Risk Purchasing Group
• Workers' Compensation

Financial Institutions

Financial institutions operate within an environment of constant change. As political winds shift and regulatory demands are amended, the ever-growing legal exposures for these entities demands constant attention to ensure that the appropriate insurance is in place to provide the high level of protection these firms need and deserve. S.H. Smith & Company is here to assist in the navigation of these waters with a depth of knowledge and expertise that is unmatched in the industry. Whether the firm is a small private company or a publicly traded multi-national conglomerate, our brokers specialize in securing the broadest coverage available for the following industries: Investment Advisers/Consultants/Planners, Hedge Funds, Private Equity Firms, Venture Capital Firms, Family Offices, Stock Exchanges, Insurance Companies, Banks, Credit Unions, Broker/Dealers, Specialty Lenders and Investment Banks.

Products in this area include:

• Directors and Officers Liability
• Financial Institution Bonds
• Bankers Professional Liability
• Employment Practices Liability
• Cyber, Security & Privacy
• Employment Practices Liability
• Investment Advisors, Hedge Fund and Broker/Dealer Professional & Management Liability
• Trust Department Errors & Omissions
• Fiduciary Liability
• IRA/KEOGH Errors & Omissions
• Errors & Omissions Liability
• Kidnap/Ransom
• Mortgage Impairment
• Bank Blanket Fire
• Workers' Compensation
• Safe Deposit Box Coverage
• Collateral Protection Insurance
• Employed Lawyers Professional
• General Partners Liability
• Environmental

Healthcare

An increase in coverage needs for allied health care facilities is one of the highlights of this area. There is huge growth in services including MRI centers, diagnostic labs, outpatient rehab centers, home health care plus laser eye surgery centers, spas and outpatient cosmetic facilities. Plus an emerging segment of bio-tech accounts and medical products manufacturers.

Products in this area include:

• General Liability including Professional Liability
• Medical Malpractice
• Products Liability
• Property
• Management Liability coverages
• Directors and Officers Liability
• Employment Practices Liability
• Fiduciary Liability
• Umbrella

Hospitality

Restaurants, bars/taverns, hotels. Just about any place that serves customers can be a minefield for coverage. There is not only exposure to loss from perils such as kitchen fires, there are liquor liability issues and numerous employment liability claims to consider.

Products in this area include:

• General Liability
• Property
• Liquor Liability
• Employment Practices Liability
• Directors & Officers Liability
• Workers' Compensation

Manufacturers/Importers

• General Liability
• Property
• Foreign Liability
• Product Recall/Product Contamination
• Environmental
• Umbrella
• Workers' Compensation

Real Estate

From hard-to-place real estate in Florida to E&O coverage for property managers, this category is full of increased risk. There is considerable need for professional liability for real estate agents, as well as building contractors. Particularly hot are REITS and tenant in common coverage.

Products in this area include:

• General Liability
• Property
• Employment Practices Liability
• Workers' Compensation
• Real Estate Agents/Property Managers E&O
• Directors and Officers/General Partners Liability
• Site Pollution
• Umbrella

Social Services

• General Liability
• Professional Liability
• Employee Benefits Liability
• Property
• Inland Marine
• Crime
• Non-Owned Auto Liability
• Umbrella
• Workers' Compensation

Technology

Exposure to loss now includes a financial risk as technology continues to automate processes and equipment. Technology clients such as bio-tech companies, semiconductor and industrial equipment manufacturers all require a keen eye for potential coverage gaps.

Products in this area include:

• Employment Practices Liability – Cyber Internet Liability
• General Liability including Products
• Technology E&O
• Privacy Liability – Cyber Internet Liability
• Tech Media – Online Media Liability
• Intellectual Property
• Network Security – Virus Coverage
• Directors and Officers Liability
• Umbrella
• Workers' Compensation

Transportation

• National Public Transportation (Charter Bus) Program
• National Tow Truck and Auto Transporters Program
• Petroleum Marketers Program
• Umbrella/Excess Liability
• Commercial Fleet Auto Liability
• Excess Auto Liability and Buffer Layers
• Trucking and Public Auto
• Collateral Recovery