Our Services
SMI has been proudly serving clients since 1908. Providing reliable insurance solutions through strong partnerships with independent brokers, SMI offers Peace of Mind for your Home, Auto, Commercial and Farm needs.
Location
Private Passenger
Whether it’s for driving kids to their game or pulling the trailer to the lake, your vehicle is entrusted with more than transporting cargo. Protect your investment and ensure you don’t miss the game winning goal or the perfect night by the campfire.
Trailer
Heading to the lake or cleaning up the yard, we have coverages for everything from 5th wheels to utility trailers.
Commercial
You make your living putting on the miles and the road can be a dangerous place. Increase your liability protection, reduce your deductibles or add other additional protection.
Antique
Your baby has wheels, high gloss and rumbles like a thunderstorm. Let’s keep it that way with modern insurance coverage specific to your classic needs.
ATV/Snowmobile/Motorcycle
Your passion takes you on two wheels, four wheels or no wheels. Whether you ride on the road, on the trail, in the mud or in the snow, we have coverages specifically designed for snowmobiles, ATVs and motorcycles.
Optional Coverages
Liability Protection
Increase your liability protection above the basic plate limit. Options are available up to $5,000,000.
Replacement Cost
Preserve the value of your new vehicle against depreciation or rising repair costs, in the event your vehicle is damaged or stolen.
Loss of Use
If your vehicle is damaged or stolen, we will help keep you on the road by paying the cost to rent a vehicle while yours is being repaired or replaced.
Road Hazard Glass
Pays for windshield damage such as stone chips or cracks to keep your windshield looking new.
Private Passenger
Whether it’s for driving kids to their game or pulling the trailer to the lake, your vehicle is entrusted with more than transporting cargo. Protect your investment and ensure you don’t miss the game winning goal or the perfect night by the campfire.
Antique
Your baby has wheels, high gloss and rumbles like a thunderstorm. Let’s keep it that way with modern insurance coverage specific to your classic needs.
Commercial
You make your living putting on the miles and the road can be a dangerous place. Increase your liability protection, reduce your deductibles or add other additional protection.
Trailer
Heading to the lake or cleaning up the yard, we have coverages for everything from 5th wheels to utility trailers.
Optional Coverages
Liability Protection
Increase your liability protection above the basic plate limit. Options are available up to $5,000,000.
Value Plus
Preserve the value of your new vehicle against depreciation or rising repair costs, in the event your vehicle is damaged or stolen.
Loss of Use
If your vehicle is damaged or stolen, we will help keep you on the road by paying the cost to rent a vehicle while yours is being repaired or replaced.
Road Hazard Glass
Pays for windshield damage such as stone chips or cracks to keep your windshield looking new.
Recreational Vehicle
From vacation trailers and camper units to 5th wheels and motorhomes, protect your traveling oasis so that you don’t miss a moment of roasted marshmallows and fire flies.
Optional Coverages
Replacement Cost
Preserve the value of your new vehicle against depreciation or rising repair costs, in the event your vehicle is damaged or stolen.
Emergency Accommodation Expense
Coverage is provided so that your vacation doesn’t have to end just because your camper or motorhome becomes damaged.
Towing and Storage Charges
Towing and storage fees can add up quickly. SMI’s coverage ensures that your vacation budget is spent on your vacation.
We understand running your business takes your full attention, that’s why SMI has a dedicated team of Commercial Underwriters working with your Broker to understand who you are and what you do. Your job is to concentrate on running your business. Our job is to ensure it stays running if something were to happen.
Contractors Package
Basic Contractors Package Includes:
- $5,000 Tool Floater
- $1,000,000 Commercial General Liability – higher limits available
- Optional Coverages – available for additional premium
Deluxe Contractors Package Includes:
- $25,000 Business Contents
- $5,000 Tool Floater
- $10,000 Installation Floater
- $25,000 Contractors’ Equipment
- $5,000 Crime
- Business Interruption – actual loss sustained & extra expenses
- $1,000,000 Commercial General Liability – higher limits available
- Enhanced Extensions of Coverage – several included
- Optional Coverages – available for additional premium
Examples of Contractor Package Classifications:
- Janitorial
- Building Contractors
- Electricians
- Plumbing & Heating
- Contractors
- Drywallers
- Painters
- Alarm Installers (Residential)
- Masonry Contractors
- Landscapers
- Floor Covering Installers
- Appliance Repair
- Siding, Doors & Windows
Business Package
Whether you just purchased your new venture or you’ve spent the time building it from the ground up; using our experience, we’ve come up with coverages designed specifically for your business:
- Buildings and/or Contents – all risk & replacement cost
- Business Interruption – actual loss sustained & extra expense
- $2,500 Crime
- Enhancement Endorsement
- $1,000,000 Commercial General Liability – higher limits available
- Enhanced Extensions of Coverage – several included
- Optional Coverages – available for additional premium
- Choice of deductible from $500 to $5,000
Packages Available for the Following Operations:
- Retail/Wholesale Operations
- Residential Condos over 6 units
- Apartments over 6 units
- Offices
- Professional Services (hairdressers/barbers, funeral homes, drug stores, veterinarians)
Customized Commercial Policies
Working together with your broker, our team of Commercial Underwriters will use their expertise to provide coverage as unique and specialized as your business. Our commercial policies are individually tailored to suit your business operations:
- Choice of specific coverages to build a custom policy
- Choice of deductibles
Examples of Businesses Requiring Customized Policies:
- Garages
- Restaurants
- Churches
- Food Carts
- Greenhouses
- Woodworking Operations
- Welding Shops
Home
You’ve made your house a home. Protect it and everything that makes it your home with an SMI Homeowners policy.
Condo
To some, it’s a condo. To you, it’s YOUR condo! Your contents, kitchen cabinets, light fixtures and any other upgrades make your condo unique. SMI makes sure it’s protected.
Tenant
You may be renting, but you own your stuff! Rest assured knowing all your belongings are protected with SMI’s Tenant insurance.
Cabin
Your home away from home may not have running water or WiFi, but to you it’s paradise. Protect your little piece of paradise, along with the dock, boat house, bunk house and sheds.
Rental Dwellings
You may not live there, but this is your “nest egg”. Protect your investment with rented home insurance.
Optional Coverage
Home Systems Protection
From heating and cooling to appliances and security systems, Home Systems Protection covers equipment not covered under Home Insurance Policies – because you have other things to worry about.
Service Line
Service lines buried underground on your property are your responsibility. Don’t let unexpected service problems ruin your vacation plans. Service Line coverage protects you and your bank account from costly repairs.
Sewer Backup
Sewer Backup coverage takes care of losses stemming from the backup of toilets, drains, sumps and other outflow fixtures. Sewer Backup coverage also protects you from storm related events causing your sewer system to backup.
Comprehensive Water Coverage
Today flooding is a concern so protect your home and property from damage when a torrential rainstorm causes the water to enter your window wells ruining your newly developed basement.
SMI knows a farm is more than just a barn and some land. That’s why we offer Farm coverages as unique as your operation. Examples of items and operations which can be covered by SMI’s customized Farm policies include, but are not limited to:
- Grain Farms
- Livestock Farms
- Custom Farming – in conjunction with primary farming operations
- Farm Equipment
- Farm Liability
* The information described on this page is informational only and does not form part of an insurance contract. Please contact an SMI broker partner for more information, insurance advice or to receive a quote.
