Insurance Services

We feel each business is unique. We pride ourselves in our ability to customize policies to meet the individual insurance needs of our clients.



Large insurance claims happen in the construction and excavation industry; that's why so many successful contractors trust Smith & Bradley's Insurance to provide them with the insurance and bonding solutions their business requires.

Information Technology

Protect your company from alleged or actual errors and omissions, negligent acts, intellectual property infringement (including breach of copyright, trademark, service mark, trade name and trade secrets), and legal damages awarded against defence costs. We'll also design a custom property insurance policy covering office contents, leased equipment, computers, electronic portables, business interruption fidelity and equipment breakdown.


We help all types and sizes of manufacturing firms with their commercial insurance needs. Whether you sell locally or internationally, we'll discuss your specific risks and commercial insurance requirements, and then develop a line of insurance coverage that protects your operations.


We offer one of the industry's most comprehensive insurance solutions to meet the unique and varied needs of the trucking industry. Whether you operate one truck or a large fleet, haul across town, or across the country and into the US, we'll tailor an insurance package to meet your specific needs.


We believe each business is unique and your insurance coverage should be too. That is why we have developed an all-risk insurance plan tailored specifically for the hospitality industry, and the unique and often unforeseen challenges businesses in this industry face.


When most of us think of Commercial Property coverage, our thoughts gravitate towards large objects such as buildings, but it’s often the smallest pieces of commercial property that are most important to your business. That is why a great policy will help you survive the loss of any vital property — both large and small. With this type of policy, you will be protected for the replacement costs of all of your vital property. Computers, files, furniture and product inventory are all key components of your business and you have the ability to protect yourself against the devastating effects of their loss with the proper insurance policy.

Alternative Energy

Renewable energy is the future when it comes to energy production in Canada. As alternatives are sought to the mainstays of oil, coal, hydroelectric and nuclear power, this sector offers great promise, but requires new and unique risk management. When looking to insure your alternative energy product, you need an expert with broad experience in dealing with the entire vertical segment.


Our warehousing policies provide legal liability protection to a warehouse operator for loss or damage to goods while being stored. Coverage can be tailored to your requirements, including flexible amounts of insurance at owned and leased warehouse facilities.

Golf Courses

Smith & Bradley's Insurance offers comprehensive insurance designed specifically for golf course facilities. This package was designed to offer the golf industry one simple solution that offers the best coverage at the best price. This all-in-one package can be customized to meet the needs of your golf course operations and includes many unique features.


Owning a home is most likely the largest purchase you will ever make. As such, you need to protect it. How do you protect your home? An alarm system and regular maintenance is a great choice, but nothing protects your home like a solid insurance policy for sudden and accidental losses. Who can you turn to for advice? The personal lines experts at Smith and Bradley’s Insurance will help you make an informed choice regarding the insurance coverage that you require at a cost you can afford.


At Smith & Bradley’s Insurance we know that insurance can be complicated. We will take the time to ensure that you don’t just have the best possible coverage for your needs, but that you also understand your policy and coverage. There are many factors that go into rating for your auto policy. While elements such as age, year, make and model, and driving experience are still used, insurance providers have also incorporated more specific factors. Things like distance to work, annual distance, years with prior insurance company, and whether the vehicle was purchased new or used are just a few of the many considerations made when calculating your rate.


You finally have that place on the lake, in the country, or in the mountains. It’s your little piece of paradise, your home away from home. But what happens when you’re not there? Is your property secure? Is it protected? What if there was a fire, a windstorm or an act of vandalism? Coverage varies greatly depending on the type of seasonal/secondary home you have. Let the experts at Smith & Bradley’s Insurance help you understand the guidelines that apply to your cottage so that you’re always covered — and at the lowest possible price.

Bonding and Surety

In addition to having strong relationships with most of Canada’s leading surety companies, Smith & Bradley’s provides creative solutions to the contractor’s bonding needs as they relate to bonding capacity/limits, the general terms of the bond facility (including rates and security), financial reporting, large/special projects, growth, succession planning, joint ventures, sub-trade bonding, estate/family planning, and claims/disputes.