S.H. Smith & Company's Programs Department has in-depth knowledge of specific industry groups and the ability to quote, bind, and issue policies––both admitted and non-admitted––on behalf of our markets. We develop specific, exclusive programs that enable our clients to obtain the best pricing and coverage for the exposures associated with their risk.

National Public Auto Program

S.H. Smith & Company, Inc. entered the Public Transportation marketplace in 2005. We currently serve as the Program Administrator for the National Public Transportation Program representing Zurich Insurance Group. As such, we underwrite automobile liability, general liability, and excess liability. This includes Charter Bus Operators, Tour Bus Operators, School Bus Operators, Sight Seeing Operators, Shuttle Bus Operators, Airport Bus and Shuttle Operators, and Limousine and Town Car Operators to name a few. To learn more about this program, visit www.shsmithbus.com or download the Public Auto Program flyer.

National Tow Truck and Auto Transporters Program

With S.H. Smith & Company’s exclusive Tow Truck and Auto Transporters program, securing coverage for tow trucks and their incidental operations just got a lot easier. Our expert brokers and A-rated carrier mean that your Tow Truck/Auto Transporter exposure will be thoroughly underwritten and professionally covered in the event of a loss. Coverage includes Automobile Liability and Physical Damage, General Liability, Garage Liability, Garage Keepers Legal Liability, Cargo (on hook), and Property. Umbrella Coverage is available and Workers Compensation is available in some states. For more information, download the Tow Truck and Auto Transporters Program flyer.

Petroleum Marketers Purchasing Group (Fuel Energy Program)

We can provide exclusive coverage forms to cover your petroleum client's unique exposures. We have a solid long-term relationship with an A++ XV rated carrier and access to exclusive forms, allowing us to offer competitive and creative niche commercial umbrella programs for fuel marketers.

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. Download the Fuel Energy Program flyer for more information.

Educational Institutions Purchasing Group

S.H. Smith & Company's Umbrella/Excess programs for Educational Institutions make it easy to secure comprehensive coverage at competitive rates. With 12 years of proven success and a pair of “A” rated carriers (Fireman's Fund and General Star), S.H. Smith & Company's Umbrella/Excess programs for Educational institutions are second to none. We are also able to write Cyber, Security & Privacy, Educators Legal Liability, Outbreak coverage and Premises Pollution Liability for Private and Charter Schools. To learn more, download a PDF of the Educational Institutions flyer.

Private and Charter School Pollution Liability Program

Our new Private and Charter School Premises Pollution Liability Program is something we are very excited about having access to. Classes are limited to domestic Charter and Private schools, grades K-12. Minimum premiums start at $4,000. Our Pollution Liability flyer will provide you with more information on submission requirements and coverage features.