Smith & Associates Insurance of Thudner Bay

Insuring Your Peace of Mind Since 1946

A Solid FoundationThere is a lot of uncertainty in business. Whether you're building a new business or simply running an existing one, we can be the rock it sits on.Protect You & Your BusinessWe offer specialized packages for restaurants that offer special features like Liquor Liability and Equipment Breakdown.See ClearlyYou can go cross-eyed trying to figure out which insurance plans or companies will meet your needs. Put our years experience to work for you. We have plans built specifically for Opticians and Optometrist. At The OfficeOffices have some unique needs that generally aren't addressed in normal insurance packages. Let us show you a better way.Failing to Plan is a Plan to FailA Contractors jobs site is chaos. Accidents happen, tools die and deadlines get stretched. Work with us and get that safety net.Building TrustOffices, Apartment Buildings & Office Buildings have huge potential for theft, accidents and property damage. Don't go with cookie cutter insurance. Let us build the package that's right for you.Lay Down The LawLaw offices have special needs when it comes to their insurance. We understand that and offer a comprehensive package made specifically to meet these requirementsA Healthy ChangeYou take care of our sick, our tired and our injured. It's time someone took care of you. We have packages tailored for Medical, Dental & Chiropractic offices and professionals.

Commercial Insurance

Protect Your Business & Yourself

When it comes to Business Insurance it helps to have an expert provide you with sound advice. The brokers at Smith & Associates understand business risk and can help you review the coverage options for General Liability, Business Owners Policies, Commercial Vehicles and Specialty coverages.

Sound complicated? It doesn't have to be. Call us for a free risk assessment on your business. We can help you understand all your insurance needs, and put it together in one comprehensive package including:

  • Liability Insurance protects you against property damage or bodily injury caused to another party as a result of your products / services.
  • Property Insurance protects your property, including your storefront (owned, rented, or leased) and equipment.
  • Vehicle Insurance protects your automobiles,  including fleet options, long-haul trucking, cargo, marine, heavy equipment, and more.
  • Risk of Doing Business covers your business interruption, bonding, and other risks.
  • Employer's Liability protects  your employees if they are injured on the job.
  • Professional Services protects your errors and omissions, umbrella insurance, and employment practices insurance.

We'll go over your options with you in a relaxed, informative way to make sure you understand exactly what insurance you need to protect your business. Smith & Associates provides coverage for businesses and organizations (including public entities) of all sizes in Thunder Bay and across Northwestern Ontario. We will help you get the most coverage at the best rates, choosing policies from many different insurance providers. You'll get the insurance you and your business need at the price that's fair and reasonable.

Don't put your business – or your peace of mind – in jeopardy.                      

Call a Smith & Associates Insurance broker today to find out how we can help.

Opticians & Optometrists

  • Broad Form Property Coverage
  • Accounts Receivable
  • Brands & Labels
  • Business Interruption (Actual Loss Sustained)
 
  • Contingent Blanket By-Laws
  • Exterior Signage
  • Blanket Glass
  • Crime Comprehensive 3D Coverage
  • Liability - $1,000,000 Commercial General Liability with higher limits available to $5,000,000

Apartment Buildings, Offices & Office Buildings

  • All Risks, Replacement Cost Coverage
  • Loss of Income
  • Crime Coverage
 
  • Blanket Glass
  • Valuable Papers
  • Employers Liability
  • Business Liability

Contractors

  • Business Contents - $20,000
  • Tools - $5,000
  • Replacement Cost - Tools 5 Years Old or Less
  • Installation Floater
 
  • Machinery & Equipment Coverage Including Rented, Leased or Borrowed Equipment - $25,000 Limit
  • Business Income

Law Offices

  • All Risk, Replacement Cost Coverage
  • Loss of Income
  • Crime Coverage
 
  • Blanket Glass
  • Valuable Papers
  • Employers Liability
  • Business Liability

Medical, Dental & Chiropractic Offices

  • All Risk, Replacement Cost Coverage
  • Loss of Income
  • Crime Coverage
  • Blanket Glass
 
  • Valuable Papers
  • Employers Liability
  • Business Liability

Restaurant Owners

  • Special Form (All Risk) Coverage on Building & Contents
  • Replacement Cost
  • $1,000 Deductible
  • Equipment Breakdown
  • Commercial General Liability
 
  • $2,000,000 Inclusive Limit ($3M, $4M and $5M also available)
  • Premises & Operations
  • Liquor Liability
  • Personal Injury & Advertising Liability

Office Packages

  • All Risk, Replacement Cost Coverage
  • Loss of Income
  • Crime Coverage
  • Blanket Glass
 
  • Valuable Papers and Records
  • Exterior Signage
  • Business Liability with limits $1,000,000 to $5,000,000

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