William A. Smith & Son, Inc. has been providing customized insurance and risk management solutions to businesses and individuals in the Tri-State area for over 80 years. Our goal is to be easy to deal with, to provide you with choices, and to offer you advice. To better serve your needs, we currently represent over 25 insurance carriers, with access to many more. Call us today.
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A car or truck is often your biggest asset aside from your home. Auto insurance protects against potentially crippling financial losses and the sheer inconvenience of being without transportation.
Snowmobile Insurance
Your snowmobile is used for recreation, but that doesn’t mean that there aren’t any risks involved. Snowmobile insurance covers the financial risks associated with owning a snowmobile.
Mobile Home Insurance
Did you know that mobile homes are often at more risk than a typical home or apartment? Mobile home insurance is the best way to protect your home and possessions from these risks.
Inland Marine Insurance
Inland marine insurance is coverage that protects your business property while it’s away from your business location. We’ll help you ensure that your property is protected not only at your location but also while it is off-site or in transit.
Truck Insurance
One of our insurance advisors will reach out to you to review your information and present you with the appropriate car or truck insurance solution. There’s no obligation, just good-old-fashioned advice.
We still operate in Dutchess County from offices in Poughkeepsie and Millbrook. In these offices, we offer; Home Insurance, Car Insurance, Renters Insurance, Business Insurance, Workers’ Compensation Insurance, Health Insurance, and many other types of insurance for businesses and individuals.
Home Insurance
Your home is both a valuable asset and the center of your life, so it’s extra-important to cover every risk with homeowners insurance. Get the right policy and you’ll take care of the small and large risks related to owning a house at the same time.
Condo Insurance
Condo building insurance can be complicated. Specialty condo insurance recognizes the many different risk types and provides clarity regarding which parties are responsible for covering which risks.
Individual life insurance is arguably the biggest investment you can make in your loved ones’ security. It’s a complicated field, but don’t let that put you off. We’ll be happy to talk you through the options.
Health Insurance
In general, group health insurance is the first priority for employees and is the second largest expense for employers behind payroll. We’ll help you navigate the healthcare process so you can hire and retain top talent.
Disability Insurance
Disability insurance protects your employees from a temporary loss of income and is a fundamental part of a quality employee benefits package. We’ll implement a plan structured just for you.
Long Term Care
Offering long-term care insurance as a employee benefit can be an integral part of your strategy to recruit and retain the best talent, contain costs, and enhance employee productivity. We’ll guide you through the process.
In today’s ever-changing environment, risk is constant. Business insurance isn’t. We’ll thoroughly assess your business and situation to develop creative, comprehensive, cost-effective solutions that fit your needs.
Commercial Property Insurance
Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.
Workers Compensation Insurance
Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.
Commercial Liability Insurance
A business owners policy combines business property and business liability insurance into one convenient policy. We’ll work with you to design coverage that protects your business from a variety of risks, unique to you.
Professional Liability Insurance
All child care centers and schools are at risk for professional liability claims to be brought against them for negligence.
Builders Risk Insurance
Did you know you can protect your properties even before they are finished being built? Builders risk insurance protects from risks like fire, theft and more.
Restaurant Insurance
Restaurants carry a very unique set of risks. We can customize a menu of insurance solutions to meet your specific needs. Reviewing the options and developing a plan for restaurant insurance coverage is the perfect recipe.
General liability insurance is a necessity for any business. It provides broad coverage when you are deemed liable and will pay to defend lawsuits alleging injuries or property damage which occurred as the result of your center’s operations.
Travel Insurance
“ What I love about this company is that they respond quickly to your request and also present the options you have. I got travel insurance within minutes - no stress - done.
Identity Theft Insurance
Pet Insurance
Your pets are a part of your family. With specialty pet insurance, you can avoid paying steep veterinary bills in the case of accidents, illnesses and other medical needs.
Wedding Event Protection
Wedding insurance is a specialized type of event insurance that allows you to keep the stress out of your big day!
Purchase a flood insurance policy to protect your home and covered contents from certain types of flood losses as designated by the National Flood Insurance Program. A flood policy is purchased as a separate policy through the federal program (NFIP) or through a servicing carrier known as a write your own carrier.