Smith Insurance Services is a full-service insurance broker with over 35 years of experience serving the insurance needs of individuals, businesses, and organizations across the country. At Sterling Smith Insurance, our primary objective in servicing our clients is to examine client's issues and risk exposures and assessing optimal solutions to develop a comprehensive understanding of their specific insurance needs.
To achieve this, we work closely with our clients, cultivating strong relationships and gaining an intimate knowledge of their operations, structure and financial objectives. Once we have this knowledge we can effectively consider all viable insurance options suitable to address your goals and needs.
Whether you are searching for the best professional liability insurance, business insurance, personal insurance or health insurance, Sterling Smith Insurance Services is committed to securing the right coverage at best possible value.This information is not an offer to sell insurance.
To achieve this, we work closely with our clients, cultivating strong relationships and gaining an intimate knowledge of their operations, structure and financial objectives. Once we have this knowledge we can effectively consider all viable insurance options suitable to address your goals and needs.
Whether you are searching for the best professional liability insurance, business insurance, personal insurance or health insurance, Sterling Smith Insurance Services is committed to securing the right coverage at best possible value.This information is not an offer to sell insurance.
Services
At Sterling Smith Insurance, we believe in protecting what's most precious to you.
From property and casualty insurance to health and life insurance we know that the people you love and the things you've worked so hard for matter more than anything.
That's why we work hard to cover nearly every aspect of your home, work and family life with quality insurance and a human touch.
Since we opened our doors, we've been committed to working individually with our clients to help them find an insurance portfolio that works best for them.
From property and casualty insurance to health and life insurance we know that the people you love and the things you've worked so hard for matter more than anything.
That's why we work hard to cover nearly every aspect of your home, work and family life with quality insurance and a human touch.
Since we opened our doors, we've been committed to working individually with our clients to help them find an insurance portfolio that works best for them.
Historically, professional liability insurance policies were written on both occurrence and claims-made basis, the latter was initially the less expensive of the two options, but progressed to mature premium levels in subsequent years.
Hence very few insurance carriers offer this coverage on an occurrence basis within the recent marketplace.
There are a multitude of programs available in the marketplace, such as retention options ranging from first dollar coverage (no deductible) to large self-insured retentions, primary limits of liability designed to address predictable scenarios, and high excess levels of liability in place to deal with catastrophic occurrences.
Hence very few insurance carriers offer this coverage on an occurrence basis within the recent marketplace.
There are a multitude of programs available in the marketplace, such as retention options ranging from first dollar coverage (no deductible) to large self-insured retentions, primary limits of liability designed to address predictable scenarios, and high excess levels of liability in place to deal with catastrophic occurrences.
You deserve an insurance advisor who values relationships and integrity, with the ability to find solutions for your insurance needs.
Your total cost of risk affects your profitability.
We believe that creative insurance solutions will improve your business, and we believe that you deserve the best.
When you own a business, you have a lot to protect, and the right business insurance coverage can be important to your continued success.
As a business owner, you will likely need several types of insurance to protect your business and employees.
Your total cost of risk affects your profitability.
We believe that creative insurance solutions will improve your business, and we believe that you deserve the best.
When you own a business, you have a lot to protect, and the right business insurance coverage can be important to your continued success.
As a business owner, you will likely need several types of insurance to protect your business and employees.
At Sterling Smith Insurance we understand the importance of protecting your personal assets and liabilities.
We have experience in placing coverage for our clients, and as your broker we will provide you with the right coverage for uninterrupted peace of mind and protection.
For each of our personal insurance clients, we create a comprehensive insurance program with some of the best insurance carriers to protect everything from homes and vehicles to boats and cabins.
This information is not an offer to sell insurance.
We have experience in placing coverage for our clients, and as your broker we will provide you with the right coverage for uninterrupted peace of mind and protection.
For each of our personal insurance clients, we create a comprehensive insurance program with some of the best insurance carriers to protect everything from homes and vehicles to boats and cabins.
This information is not an offer to sell insurance.
Your employees are a valuable part of your business, and we help you deliver to them an excellent benefits package.
From medical insurance, to supplemental benefits solutions, to value-added services, we take a strategic approach in crafting an employee benefits plan that meets both your business goals and your employees' needs.
Luckily, the experts at Sterling Smith Insurance can help you not only better understand today's health care offerings, but also get the lowest-cost, highest-benefit plan for you.
From medical insurance, to supplemental benefits solutions, to value-added services, we take a strategic approach in crafting an employee benefits plan that meets both your business goals and your employees' needs.
Luckily, the experts at Sterling Smith Insurance can help you not only better understand today's health care offerings, but also get the lowest-cost, highest-benefit plan for you.
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