Commercial Insurance Products

At Turner, Wood & Smith, we understand that every business has unique risks.  Whether it's earned freight coverage for transportation companies ... special events insurance for non-profit organizations ... or public officials liability for government institutions, TWS can provide the coverage options your business (large or small) needs for total financial security.

We are committed to providing you with an exceptional level of customer service.  We'll get to know your business, analyze your risks, and partner with you to develop the plan that can help lower your risk and improve your productivity.

We offer:

Loss control programs.  With our insurance company partners, we can evaluate your business's current conditions and recommend ways to lower property, auto, workers' compensation or liability losses.  Lower losses will not only lower your insurance costs, but also increase your productivity by avoiding downtime.

Quick claim response.  When you do have a claim, you need fast, fair service.  As independent agents we work to make that happen.  That's why we only represent companies with excellent records for settling claims fairly and promptly.

Competitive rates.  Many of the insurance companies we represent specialize in insuring specific types of businesses or industries, offering special coverage and pricing.

We welcome the opportunity to review your current insurance portfolio and make specific recommendations as to enhancing coverages at significant cost savings.  There is not cost or obligation to have your insurance reviewed by all the major insurance companies.

Click here for a list of frequently asked questions.