Smith Insurance

Commercial Insurance

Commercial insurance is an important consideration for any business owner. Smith Insurance offers products and services which protect businesses of all types and sizes from potential loss. We insure more businesses in eastern Connecticut than any other insurance agency.


Our business property insurance protects your properties from minor accidents to major financial losses. Business records, equipment, furniture, supplies and other physical items are all covered under property insurance. Commercial property insurance is important in ensuring the long-term health of your company.

Property Insurance may cover two types of property losses:

  • Direct losses may be covered when property is lost, stolen, damaged or destroyed.
  • Indirect or consequential losses related to direct losses may also be covered.


Casualty insurance is something a business owner cannot do without. This protects the insured company against injury or damage claims made by other parties.

Policies provide coverage for liability arising out of:

  • Premises and Operation
  • Fire Damage Liability (damage by fire to premises rented to insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

A business owners package will save you time and money on your overall company insurance program. Such a package combines your liability, property and other types of coverage into one comprehensive policy. Unfortunately, million-dollar lawsuits are common these days, which sometimes means adding extra liability protection in the form of a commercial umbrella policy. The experts at Smith Insurance will recommend the plan that makes the most sense for you and your business.


Business auto insurance provides coverage for all your vehicles whether they are owned, hired, leased or borrowed by your company. Weather and road conditions and certainly other drivers are out of your control. Business auto insurance may be used to insure private passenger cars and all types of trucks and commercial vehicles designed for use on public roads. Smith Insurance will tailor a business auto insurance plan that’s right for you and your company - including options for various deductibles.


Your greatest business asset is your employees who you count on for service, knowledge and expertise to move your business forward. Workers compensation coverage applies to accidental bodily injury and diseases occurring in or out of the course of employment.

Workers Compensation provides for the payment of four types of benefits:

  • Medical benefits
  • Income benefits
  • Death benefits
  • Rehabilitation benefits

Here at Smith Insurance, our commercial insurance experts will provide you with details on Workers Compensation Insurance. We will also provide cost effective and tailored solutions to minimize your claims and keep your company expenses down.

Contact us today for more information about Commercial Insurance or fill out our online quote form.

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For Your Business:

Smith Insurance offers a complete range of insurance solutions for your business in order to provide both The Calm Before the Storm...and After?. We are able to accommodate the needs of any industry through working with our commendable associates, partners, consultants, and business insurance providers.

Property insurance is an absolute must-have for all businesses. Without it, there is little that can be done to recover from damages and losses of business properties such as buildings, equipment, furniture, company records, and more. When dealing with infrastructure problems as well as equipment Farm Insurance can be vital. To get a better understanding of what benefits property insurance provides and why your business can't afford to be without it, please see our Business Property Insurance section.

Accidents will happen and when they do, you will want to be prepared. With these possibilities, no business can afford to be without business liability insurance. Situations such as fire damage, injuries incurred on business property, resulting medical payments and more are covered under general business liability insurance policies. To learn more about this subject, please feel free to view our Business Liability Insurance section. Professionally Liability Insurance, also known as Errors and Omissions insurance; will provide your business with protection against claims that the policyholder becomes obligated to pay as a result of an error or omission.

Closely related to business liability insurance is workers compensation insurance. Worker's compensation insurance provides coverage to businesses whose employees become injured or ill, or even killed in the line of duty. Compensation aspects covered include death benefits, compensation for lost wages, medical benefits, and rehabilitation needs. To learn more, please read our Workers Compensation section. Also in this category would be Contractors Liability Insurance. One would not want to be caught without this vital insurance.

A couple other types of Insurance that businesses should be familiar with are Directors & Officers Insurance and Cyber Liability Insurance. Directors and Officers Liability Insurance will cover damages or costs in the event of a lawsuit for alleged wrongful acts while performing under their roles as directors and/or officers for an organization. With the use of Internet continuing to grow, Cyber Liability Insurance is gaining importance. Cyber Liability takes into account first and third-party risks from privacy issues to virus transmissions. As the Internet continues to grow, unfortunately so do the risks involved in Internet business. With the amount of business being done over the Internet growing, make sure to further explore Cyber Liability Insurance. 

Much like the individuals who operate them, businesses also need to have automobile insurance. Commercial auto insurance comes in many forms. These forms are as follows: fleet vehicle insurance, insurance for vehicles leased by a business, insurance for private passenger vehicles used by a business, or for any other motor vehicles or trailers used by a business. Take a look at our Commercial Auto Insurance section to learn more about what we can do for your business and its vehicles.

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