Commercial Insurance
Risk is a part of every business. How you prepare for and manage risk can be your greatest business advantage.
Smith Brothers Insurance is here to help you protect and grow your company with commercial insurance. Our Enterprise Risk Management approach considers every aspect of your business, its associated risks, and your business objectives.
We will aggregate this information, provide you with a unified picture of your total risk exposure, and work with you to improve your ability to monitor and manage those risks effectively so you can achieve your business objectives and maximize your profitability.
Risk is a part of every business. How you prepare for and manage risk can be your greatest business advantage.
Smith Brothers Insurance is here to help you protect and grow your company with commercial insurance. Our Enterprise Risk Management approach takes into account every aspect of your business, its associated risks and your business objectives.
Smith Brothers Insurance advisors will aggregate this information, provide you with a unified picture of your total risk exposure, and work with you to improve your ability to monitor and manage those risks effectively so you can achieve your business objectives and maximize your profitability. Commercial Insurance with Smith Brothers Insurance will provide you with the coverage you need.
Our line of commercial insurance products includes:
- Property
- Liability, Fleet Auto
- Umbrella
- Flood
- Disability
- Workers’ Compensation
- Key Person Life Insurance
- Cyber Liability
- Employment Practices Liability
- Directors’ & Officers’ Liability
- Professional Liability
- Employee Benefits
- Healthcare Reimbursement Arrangements (HRA’s)
- Savings Accounts (HSA’s)
Connect With A Commercial Insurance Specialist
Our Services Include
Enterprise Risk Management
We consider all aspects of your business, its risks, and your business objectives, then provide a unified picture of your total exposure, with strategies to maximize profitability.
Contract Lease Review
HR Guidance
Premium Allocations
We help create a flexible allocation model where premiums and fees are fairly apportioned for all participants.
Loss Control
Our commitment to proactively reduce or eliminate preventable losses is a major component of our asset protection strategy.
Certificate Review
We conduct routine coverage reviews to ensure our clients have the right amount of coverage based on their up-to-date needs.
Claims Monitoring/ Reviews
Our claims monitoring and review services analyze paid claims to limit erroneous expenses and contain costs.
Experience Mod Watch
We monitor your company’s experience modification rate to help keep workers’ compensation premiums at the appropriate rate for your business.
Bid Specification Review
Our advisors can provide an independent review of big documents to ensure work requirements are clear, documents are correct and coordinated, to help reduce project risks and costs.
Dedicated Marketing Department
We analyze a client’s total risk profile to provide optimized coverage terms and conditions.
Dedicated Claims Unit
When a claim is under review, we take on the role of client advocate to help ensure an equitable resolution.
Dedicated Claims Unit
When a claim is under review, we take on the role of client advocate to help ensure an equitable resolution.
LOCATIONS
| 68 National Drive Glastonbury, CT 06033 860-652-3235 |
1110 Boston Post Rd Guilford, CT 06437 203-458-4000 |
501 Main St, Monroe, CT 06468 Surety | Suite 2D | 203-445-8388 Business & Personal Insurance | Suite 101 | 203-268-9999 |
| 377 Main Street Unit 103 Niantic, CT 06357 860-652-3235 |
127 Norwich Rd Plainfield, CT 06374 860-564-3315 |
363 So Center Street Windsor Locks, CT 06096 860-652-3235 |
| 229 Main Street Milford, MA 01757 508-473-4045 |
182 Main Street, Suite 202 Northampton, MA 01060 844-923-7873 |
| 300 Main Street Oxford, MA 01540 508-987-0333 |
195 Lake Ave, Worcester, MA 01604 508-969-1786 |
| 70 Tanner Street Haddonfield, NJ 08033 800-220-3434 |
| 6 McMaster Street, Suite 2 Owego, NY 13827 607-687-3444 |
14 Columbia Circle, Suite 204 Albany, NY 12203 518-477-5150 |
| 300 Plaza Drive Vestal, NY 13850 607-754-1411 |
418 Waverly Street Waverly, NY 14892 607-565-2872 |
| 68 National Drive Glastonbury, CT 06033 860-652-3235 |
| 1110 Boston Post Rd Guilford, CT 06437 203-458-4000 |
| 501 Main St, Monroe, CT 06468 Surety | Suite 2D | 203-445-8388 Business & Personal Insurance | Suite 101 | 203-268-9999 |
| 377 Main Street Unit 103 Niantic, CT 06357 860-652-3235 |
| 127 Norwich Rd Plainfield, CT 06374 860-564-3315 |
| 363 So Center Street Windsor Locks, CT 06096 860-652-3235 |
| 229 Main Street Milford, MA 01757 508-473-4045 |
| 182 Main Street, Suite 202 Northampton, MA 01060 844-923-7873 |
| 300 Main Street Oxford, MA 01540 508-987-0333 |
| 195 Lake Ave, Worcester, MA 01604 508-969-1786 |
| 70 Tanner Street Haddonfield, NJ 08033 800-220-3434 |
| 6 McMaster Street, Suite 2 Owego, NY 13827 607-687-3444 |
| 14 Columbia Circle, Suite 204 Albany, NY 12203 518-477-5150 |
| 300 Plaza Drive Vestal, NY 13850 607-754-1411 |
| 418 Waverly Street Waverly, NY 14892 607-565-2872 |