See What We Offer
From standard risks to hard-to-place properties, secure coverage that aligns with your goals and strengthens your return.
Commercial Coverage Solutions for Every Business Challenge
Albert Smith Insurance Agency delivers coverage designed to protect businesses, properties, and investments. We specialize in hard-to-place accounts and provide tailored solutions that align with your long-term goals.
Core Coverages
General Liability (CGL)
Protects against third-party bodily injury, property damage, and personal/advertising injury claims (e.g., slip-and-fall, libel, or slander).
Commercial Property
Coverage for buildings, equipment, inventory, and contents from fire, theft, vandalism, and certain natural disasters.
Workers’ Compensation
Protects employees with medical expenses, lost wages, and rehabilitation for work-related injuries or illnesses.
Umbrella / Excess Liability
Additional coverage limits over General Liability, Commercial Auto, and Employers Liability.
Business Owners Policy (BOP)
A bundled solution for small-to-mid-sized businesses, typically including:
Additional Commercial Lines
Professional Liability (E&O)
Protects against errors, omissions, and negligence in professional services (e.g., consultants, real estate agents, architects, accountants).
Cyber Liability
Coverage for data breaches, ransomware attacks, business interruption, and privacy violations.
Commercial Auto
Coverage for vehicles used in business, including liability, physical damage, medical payments, and uninsured/underinsured motorist protection.
Directors & Officers (D&O)
Protects management decisions and shields against shareholder or investor lawsuits.
Employment Practices Liability (EPLI)
Coverage for claims involving wrongful termination, discrimination, harassment, or other employment.
Our Strategic Process
Everything we do is grounded in planning. Our four-stage approach gives you clarity, confidence, and consistent support:
Information Gathering
We learn your property details, exposures, and investment goals.
Market Search
We compare multiple carriers to identify the best match in coverage, pricing, and appetite.
Coverage Placement
We secure the policy that aligns with your long-term objectives.
Ongoing Service
We support you year-round—renewals, adjustments, reviews, and everything in between.
Why Our Commercial Insurance Approach Works
Protect Your Portfolio With Purpose
When traditional insurance carriers turn you away, our wholesale expertise connects you to comprehensive coverage. Reach out today.