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William A. Smith & Son, Inc. Insurance is your trusted independent insurance agency throughout the Hudson Valley and across NY State, including Orange, Dutchess, Sullivan, Putnam, Columbia, Ulster and Westchester Counties.

Your family, your business and your possessions are all important to you, but you may not know how to best protect them. We have the experience to navigate the unique risks you face, serving as your insurance advisor.

What Sets us Apart


As an independent insurance agency we have great relationships with many well-known, reputable insurance companies, giving you the power of choice.


Our insurance advisors have years of experience in the insurance industry and serve as your advocate from selecting coverage through filing a claim.


Our insurance advisors have a strong passion for insurance and protecting what you value most in business and in life. We treat our customers like family.

Se Habla Español

As an independent insurance agency, we believe it is important to connect with our community without a language barrier.

Generations of Service
Years of Commitment to Our Clients
Farm Certified Agents with Nationwide
Office Locations

William A. Smith and Son Insurance has been around since 1928, when William A. Smith started the firm. Since then, the William A. Smith and Son Insurance family has been proudly serving the Tri-State area, creating customized insurance and risk management solutions for businesses and individuals.

Although we work with a wide variety of individuals and businesses in Orange, Dutchess, Sullivan, Putnam, Columbia, and Ulster Counties, over the years, we’ve developed a focus on auto insurance, home insurance and business insurance of all types.

We’re an independent insurance agency offering a comprehensive suite of insurance solutions to protect your business and your life from the unexpected. We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future.

Because we’re independent, our priority is you – not the insurance company. We represent many different insurance companies which offer a wide variety of coverage options and price points. Our simple goal is to be easy to deal with, provide you with multiple choices and give you sound advice whether you are a business or a family.

Our insurance advisors make it their business to know your world inside and out. They are there to help you through all the changes in your life and your business, whether you’re going from renting an apartment to buying a home, adding a partner to your business, getting married, renovating your home, adding a teen driver to your auto policy, or revamping your employee benefits plan. In an effort to provide coverage suited for the needs of you or your business, we currently represent over 25 insurance carriers, with access to many more.

With five offices, we also trade as Ralph V. Ellis Insurance Agency in the Poughkeepsie and Millbrook NY areas and as Orange Benefits Partners, LLC. for Orange County NY Chamber members.

We are a Trusted Choice Independent Insurance Agent.

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At William A. Smith & Son, Inc. Insurance, our mission is very simple. We strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers. We offer comprehensive insurance solutions throughout the Hudson Valley and across NY State, including Orange, Dutchess, Sullivan, Putnam, Columbia, Ulster and Westchester Counties.