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Other Business Coverage


Owning a business means taking risks. At Smith Insurance, we offer a variety of bond and license services to ensure that your business is protected. While there are many bonds from which to choose, they can be issued for an extensively wide range of circumstances, and choosing the right bond to suit your needs can be a difficult task.

The professional and knowledgeable bond specialists at Smith Insurance will work with you to develop a business solution to help meet all of your bonding goals. In addition to providing quality surety products, we also provide various licensing and permit services to ensure that your business runs to the letter of the law.

Our business solution services include:

  • Performance Bonds

  • Contractor’s Bonds

  • ERISA Bonds

  • Fiduciary Bonds

  • Sub-Division Bonds

  • Court Bonds

  • Conservator Bonds

  • Surety Bonds

  • Fidelity Bonds

  • Public Officials

  • Liquor Licenses

If you need a bond or license, contact a bond specialist at Smith Insurance today who can help you find the surety products that keep your business covered.

We provide bonding and license services to businesses near New Palestine, Greenfield, Indianapolis, McCordsville, Fishers, and Greenwood.

Business Owners Policy
Business Owners Policy

At Smith Insurance, we’re committed to providing insurance solutions that keep small to medium-sized businesses protected. That is why we combine various coverage options into one convenient package – for more benefits than a typical Business policy and better savings through competitive pricing.

A Business Owners Policy (BOP) from Smith Insurance allows your business to create a customized insurance policy that combines property, commercial general liability, and crime insurance, as well as additional coverage types based on your needs.


The proper business owners policy can keep your day-to-day operations protected with options such as:


  • Products and Completed Operations

  • Premises Liability

  • Premises Medical

  • Fire Legal Liability

  • Business Income Insurance

  • Building and Personal Property Protection

  • On-Site Equipment Insurance

  • Coverage for Inventory Loss

  • Crime Insurance


Find Out if Your Business is Eligible

Since business owners policies apply only to special types of businesses with specific needs, operations, and risks, it’s important to contact a specialist at Smith Insurance who can help you determine whether a BOP is right for your small or medium-sized business.

Commercial Umbrella Insurance
Commercial Umbrella Insurance

As a business owner, keeping your business insured is one of the most important financial decisions you can make. But if you don’t have a sufficient amount of coverage, your current policy may not have the extra layer of protection needed for situations that can jeopardize your finances, or even your operations.


With commercial umbrella insurance from Smith Insurance, you can protect your business and your assets in the event that your company gets sued in a major lawsuit.


A commercial umbrella policy will provide your business with additional coverage should a lawsuit or major accident exceed the limits of your existing, or underlying, general, auto, or other business liability policy. It can also insure an incident that occurs outside of your coverage territory.


What Does Commercial Umbrella Insurance Cover?

Major lawsuits are a result of accidents that occur either on or off the premises of your business. The following are examples of situations where commercial umbrella coverage can safeguard your business:


  • Accidental falls or slips on your property

  • A carbon monoxide leak in your building

  • Libel, slander, or invasion of privacy

  • If one of your products causes injury or illness

  • If a fire in your building damages other property

  • Violations of Employment Practices Liability

  • If your business vehicle is involved in an accident


How Much Umbrella Coverage is Enough?

Since lawsuits can be expensive and accidents do happen, you can never be too careful with your coverage options. That’s why at Smith Insurance, our helpful insurance experts will work with the individual needs of your business to find a level of protection that keeps you and your operations secure. commercial umbrella Iinsurance is simply an affordable coverage that can help you avoid major losses.


Protect your business personally and financially with a commercial umbrella policy from Smith Insurance.

Crime Insurance
Crime Insurance

Unfortunately, crime and employee dishonesty can happen. As a business owner, sometimes it’s impossible to know whether the employees you hire are an honest fit for the job, and by the time you discover the truth, the damages can be costly.


At Smith Insurance, we can help your business develop a plan that keeps your assets protected in the event of such a specific circumstance. With crime insurance, your policy can include coverage for various situations, such as:


  • Robbery or Burglary

  • Computer Fraud

  • Employee Dishonesty

  • Theft of Business Property

  • Forgery


Since there are limitations to your commercial crime policy, you should carefully discuss your options with Smith Insurance to find out what kind of insurance your business needs based on your current situation and potential risks.


Don’t lose important data or finances on the account of a dishonest employee’s actions. Keep your business secure with crime insurance from Smith Insurance.

Inland Marine Insurance
Inland Marine Insurance

Your products and equipment are the backbone of your success as a company. From transported goods and hauled equipment to storage items and even construction tools, it is important to keep your investments protected. With inland marine coverage, you can avoid damages sustained in the event of accidents, theft, vandalism, or total loss.

At Smith Insurance, we are dedicated to providing the coverage your business needs for the asset protection it deserves. Our inland marine policy insures that when your business is on the move, we will protect certain items, such as:


  • Transported Property

  • Computer Equipment and Data

  • Contractor’s Tools

  • Artwork

  • Buildings Under Construction


What Inland Marine Can Do for Your Business

No matter what business you are in, an accident can happen at any time. That is why it is important to have an inland marine policy from Smith Insurance to provide your business with the appropriate coverage it needs during transit.


Since Inland marine covers items outside of your standard business property insurance policy, having additional coverage to keep your equipment insured off-site is critical. This coverage can also extend to protect your business’ goods or equipment when transported by ocean and air, also known as ocean marine.

Contact an inland marine specialist at Smith Insurance today to find out how your business can insure its most valuable assets while working or traveling off-site.

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