Extra Protection


William A. Smith Insurance believes in offering our clients the extra peace of mind that comes with looking at your overall personal risk needs.

Chances are you have taken steps to protect your investments by insuring both your home and automobile.  You have most likely even discussed protection for your loved ones in the event of an accident.  But have you given any thought to some extra protection for the things that make life fun?

Umbrella Insurance
During a pool party at home, the unthinkable happens…

A night of celebration results in you or someone you love getting into an automobile accident…

Will your assets be protected in the event that you become liable in a lawsuit?

Umbrella insurance is a liability policy that sits over your home and/or auto insurance to protect you from the inevitable consequences of an accident.

RV Insurance
The family vacation…

Memories and adventure await.

You, your family and your recreational vehicle are ready for adventure but do you have the protection you need in place?

A variety of RV insurance policies are available (such as vacation liability, full timers and emergency expense) to ensure that you are protecting your property, the ones you love and your all important memories!

Boat Insurance
An aquatic adventure can mean different things to different people…

You may be excited to set sail, go fishing or just enjoying the day on your personal watercraft!

No matter what form your adventure may take, we can come up with a specialized policy designed to fit your needs.

Motorcycle Insurance
The open road…

It is just you and your bike.

Do you have the protection you need to fit your ride, your lifestyle?

Wedding Insurance
Preparing for the perfect day…

Your heart, your time, and your money.

But what if….

  • The bridal salon loses your dress?
  • Your caterer backs out?
  • Severe weather rolls in?

Wedding insurance can give you some peace of mind and help to protect your special day. Click this link to obtain an online quote.

Flood Insurance

Your home.  Your haven, the safest place in the world for you and your family.

Your business.  You’ve work hard, you’ve poured in your blood, your sweat and your precious time to build a livelihood that supports your family.

But what if….

  • A sudden storm rolls in and you realize your haven isn’t as safe as you thought?
  • Your place of business is flooded which results in ruined inventory, damaged files and destroyed equipment?

Flood insurance can help to protect your home, your possessions and your business from the damages that can occur when severe weather rolls in unexpectedly.

For any of the above solutions, give us a call or request a quote.

Request a Quote

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Type of Insurance Needed:

You will be contacted within 1 business day.

Privacy Policy

At William A. Smith & Son, Inc. our goal is to professionally and respectfully serve the personal and business insurance needs of our insureds and claimants. Information which you provide or we collect about you when you apply for insurance or when you file a claim helps us to achieve that goal. You provide us with most of the information about you that we use in evaluating your application and servicing your insurance policy or your claim. This enables us to provide coverage to you at the best price or to service your claim promptly and fairly.

We know that the trust of our insureds and claimants is our most important asset. This includes the trust that we will keep the information about you secure and treat it only as permitted by law. This disclosure and notice tells you about the privacy policy we have adopted and the practices we use in handling this information.

1. Information We Collect:
We collect nonpublic personal information about you from the following sources:

  • Information we receive from you on applications or other forms;
  • Information about your transactions with us, our affiliates or others;
  • Information we receive from a consumer reporting agency; and
  • Information we receive from a department of motor vehicles and from a Comprehensive Loss Underwriting Exchange


Unless it is specifically stated otherwise in an amended Privacy Policy Notice, no additional information will be collected from you.

2. Information we may disclose to third parties:
We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as permitted by law.

3. Our practices regarding information confidentiality and security:
We restrict access to nonpublic personal information about you to those employees who need to know that information in order to provide products and services to you. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

4. Reservation of the right to disclose information in unforeseen circumstances:

In connection with potential sale or transfer of its interests William A. Smith & Son, Inc. and its affiliates reserve the right to sell or transfer your information (including, but not limited to, your name, address, age, sex, zip code, state and country of residency and other information that you provide through other communications) to a third party entity that 1) concentrates its business in a similar practice or service; 2) agrees to be William A. Smith & Son, Inc.’s successor in interest with regard to the maintenance and protection of the information collected; and 3) agrees to the obligations of this privacy statement.


Compensation Disclosure

Dear Clients and Prospects:

The State of New York and many other states require that Insurance Producers and Agencies disclose how they are compensated by Insurance Companies. William A. Smith & Son, Inc. and its affiliates and subsidiaries receive various forms of compensation or commission from the insurance companies we place insurance policies with. Below is an outline of this compensation. More detailed information is available if you require it, pursuant to the Insurance Department Regulations.

This information is provided pursuant to New York State Insurance Department Regulation 194 (11NYCRR30.3).

  1. Compensation.  Based on the sale of the insurance selected by you (“the purchaser”), the total compensation expected to be received by Smith William A & Son Inc. , Orange Benefits Partners or William A. Smith & Son Insurance Agency, LLC (“the producer”), including by any parent, subsidiary or affiliate of the producer,  is as follows:Known Compensation.  The producer (including any parent, subsidiary or affiliate of the producer) expects to receive a  percent of the one-year premium you pay on this policy.

    Estimated unknown additional compensation.  Based on some sales of insurance, the producer (including any parent, subsidiary or affiliate of the producer) may be eligible to receive additional compensation depending on a number of factors including premium and policy volume, losses and profitability.  If an estimate appears below, the sale of the insurance selected by the purchaser may help the producer (including any parent, subsidiary or affiliate of the producer) qualify to receive additional compensation, the exact amount of which is unknown at this time.      Unknown compensation is estimated to be 0% to 3%.

  2. Producer prohibited from rebating compensation.  There are a number of sections of the Insurance Law that pertain to rebating and inducements and each has specific applicability to different kinds of insurance.  Collectively those provisions prohibit an authorized insurer, licensed insurance producer, or any person acting on behalf of any such insurer or insurance producer from directly or indirectly paying or offering to pay an insured any rebate from the insurance premium specified in the insurance policy or contract, or giving or offering to give any valuable consideration or inducement, not specified in the insurance policy or contract.
  3. Material Ownership.  The insurer issuing the insurance contract to the purchaser (including any parent, subsidiary or affiliate of the insurer) has material ownership interest in the producer (including any parent, subsidiary or affiliate of the producer), as follows:  None

Not all quotes are created equal! Give us a call after you’ve received yours. We would love the opportunity to go over it with you and be sure you are getting the best coverage at the best price.