June 11, 2007

Towns, Counties and Municipalities.

Their risks keep growing as their budgets keep shrinking.

Towns, counties, municipalities, and other state and local agencies are under huge pressure to keep costs down. Comprehensive, well-priced umbrella coverage - we'll get you what you're looking for. Fast.

We offer umbrella or follow form excess coverage over all primary lines of business including Law Enforcement Professional, Public Officials, Employment Practices Liability, General Liability and Automobile.

These coverages are available for:

Municipalities
Counties
Towns/Townships
Service Districts (water/sewer authorities)
Other state and local agencies

We can also provide excess limits over lead umbrellas when writing over state programs such as CIRMA or NYMIR. Not only do we have a capacity to $50 million in limits or more, but we can also provide strength and stability through several A rated carriers. Minimum premiums start at $5,000.

Related products that are also available include Outbreak/Contamination coverage, Accident & Health coverage, and Property & Crime.

Submissions should include: Acord applications, Public Entity Supplemental Application, 5 year-currently valued loss history, primary coverage terms and conditions (primary carriers must be rated A- VII or better with AM Best).

We welcome the opportunity to discuss your client's needs. Call us or email us.

We also offer related professional liability products such as public officials, school board and specified medical.

Offices in Connecticut, Massachusetts, Minnesota, New York, Ohio and Florida

For general information about S. H. Smith, feel free to call or email anyone at any of our offices. For any state not listed below, please contact Bruce Anderson, Chief Marketing Officer. S. H. Smith & Co. is a national firm, licensed to write in all 50 states.

S.H. Smith & Company is a national, independently-owned excess and surplus lines insurance broker, managing general agency and program administrator. Our specialists in each of our divisions have a depth of experience which we believe is unmatched in the industry. For more information, please call Scott Smith, president, at 860.561.3600 or email by clicking here.

Our main office is located at 41 North Main Street, Suite 300, West Hartford, CT 06107 and can be contacted by phone at (860) 561-3600. This newsletter is subscription based and is not unsolicited email. If you would like to unsubscribe, please e-mail marketsmarts@shsmith.com.