Commercial Insurance in Niantic Connecticut

Commercial Insurance

At Smith Insurance, we share your desire to protect your business to the fullest. We offer a wide range of products and services, which protect businesses of all types, shapes, and sizes from potential loss. We strive to provide you with the Calm Before the Storm… and after.

Commercial insurance is an absolute must-have for all businesses, as it provides you with the ability and means to recover from damages and losses of business properties, assets, and accidents. Accidents happen, and when they do, you will have us by your side to guide you through each step of the recovery process.

Commercial Property Insurance at Smith Insurance

Property Insurance

Accidents are inevitable, emphasizing the importance of obtaining commercial property insurance. Your biggest investment deserves protection from all possible perils ranging from minor accidents to major financial losses. Your building or office space, business records, equipment, supplies, furniture, and other physical items can receive protection under a property insurance policy.

To ensure the long-term health of your company, you must obtain commercial property insurance. At Smith Insurance, we have a vested interest in the overall well being of your business.

Property Insurance Covers Two Types of Property Loss:

  • Direct losses when the property is lost, stolen, damaged, or destroyed.
  • Indirect or consequential losses related to direct losses.

Liability Insurance at Smith Insurance

Commercial Liability

A business simply cannot afford to go without casualty insurance. This vital form of security provides the insured business with protection against claims that can prove to be extremely damaging to a company. In the litigious society that we live in, general liability protection is a must-have for businesses of every size and nature.

At Smith Insurance, we understand the unique liability risks Connecticut and Rhode Island businesses are faced with and will go above and beyond to protect you against damaging liability claims. If need be, we will recommend a commercial umbrella policy to optimize the protection of your biggest investment.

General Liability Insurance Provides Coverage For Liability Arising Out Of:

  • Your Premises and Operation
  • Fire Damage Liability (Damage By Fire to Premises Rented to Insured)
  • Personal and Advertising Injury
  • Medical Payments
  • Products/Completed Operations

Commercial Auto Insurance at Smith Insurance

Business Auto

Whether you own, hire, lease, or borrow your company vehicles, you need adequate commercial auto protection to safeguard your business’ assets. In the same way that you are vulnerable to unique perils during your personal travels on the open roads, many of the conditions on the roadways are simply out of our control, emphasizing the importance of securing this form of protection.

At Smith Insurance, we strive to provide you with the Calm Before the Storm. Therefore, we will provide you with a variety of commercial auto insurance options that increase security for your business and its vehicles.

Commercial Insurance in Niantic Connecticut

Workers Compensation

Your company’s greatest business asset is the employees who you count on to move your business forward and continue business operations. To ensure that your team is protected from work-related accidents, you must obtain workers compensation. This form of protection will apply to on the job bodily injuries or illnesses occurring out of the course of employment.

The commercial insurance experts at Smith Insurance will provide you with the right worker’s compensation policy to optimize protection. By providing you with cost-effective, custom-tailored solutions to minimize your claims and keeping your expenses down, you will have the opportunity to focus your attention on business operations and leave the insurance aspect to us.

Workers Compensation Benefits Include:

  • Medical Benefits
  • Income Benefits
  • Death Benefits
  • Rehabilitation Benefits

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