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Home & property
Protection for homeowners, renters, and the place your life comes together.
Ask about coverage
Independent insurance agency · Florida
Protection,
made personal.
Thoughtful coverage for your home, car, business, health, and bonding needs—with care for the people behind it all.
One agent for
all your policies.
01
Local perspectiveRooted in Palm Beach County
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Personal guidanceCoverage explained in plain language
03
Broad protectionPersonal and business options
01Coverage
Built around real life,
not a checklist.
The right policy begins with the right questions. We help you look at the full picture, understand your options, and choose coverage with confidence.
02
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More ways we can help protect what matters:
02Insurance partners
Options for the road.
Water, work, and beyond.
SmittyShield works with multiple insurance companies to help clients explore available personal, property, commercial vehicle, business, bonding, and specialty coverage. Availability, eligibility, and policy terms vary.
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Road coverage
Car insurance companies
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On the water
Boat insurance company
A specialized option for protecting your time on the water.
03
Projects in progress
Builder’s risk insurance companies
Coverage options for buildings and renovations while work is underway.
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Surety made searchable
Bonding and surety insurance
Explore surety resources including ProSure Group, or search available surety and fidelity bonds by state or keyword and begin an application through SmittyShield’s Propeller portal.
Search for a bond Opens the SmittyShield Propeller bond portal in a new tab.05
Protection for the workplace
Workers’ compensation insurance companies
Carrier options designed to help businesses address workplace injury coverage obligations and protect their teams.
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Everyday business protection
Business General Liability
Explore an online general liability quote for an eligible small business through SmittyShield’s Coterie link.
Direct online quoteStart a Coterie general liability quote.
Use SmittyShield’s dedicated external link to begin. Availability, eligibility, pricing, coverage, and effective dates vary.
Opens Coterie’s external quote site in a new tab.07
Protection for places
Homeowners and landlord insurance companies
Carrier options for owner-occupied homes, rental properties, and vacant dwellings, depending on eligibility and property details.
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Commercial vehicles
Truck insurance company
A specialized carrier option for eligible trucking businesses and commercial vehicle risks.
Commercial autoProtection built for business on the move.
Availability and underwriting depend on operations, vehicles, drivers, and other eligibility details.
Insurance premium financing
If paying an insurance premium in full is difficult, ask our team whether an Imperial PFS (IPFS) premium-finance agreement could be available for your policy. Financing generally involves a down payment and scheduled repayments; interest, fees, eligibility, and terms are set by the finance agreement.
Premium Lock guarantee
Premium Lock is designed to help eligible homeowners plan for certain future insurance-premium increases. A payment may apply if a qualifying premium exceeds the guarantee’s stated threshold, subject to its terms. It does not freeze your carrier’s bill, replace homeowners insurance, or cover every increase.
03Our approach
Insurance should feel
less uncertain.
Good protection is not only about a policy. It is about having someone take the time to make the policy understandable.
Start a conversationTell us what matters
We begin with your priorities, your responsibilities, and the questions already on your mind.
Understand your options
We explain the choices, tradeoffs, and protection available without burying the important details.
Move forward clearly
You choose the direction that fits, with an agent you can call when life or business changes.
People first
Since day one
Since day one
04Our agency
Protection with
purpose behind it.
Founder Smith Laurent built SmittyShield on a simple belief: everyone deserves clear guidance and access to protection that helps them move forward.
His background in hospitality, education, and real estate shaped an agency grounded in service, thoughtful questions, and meaningful client relationships. From a family’s first home to a growing business, the work starts by listening.
Smith Laurent
Founder, SmittyShield Insurance Agency
04AOur service area
Rooted in Palm Beach County.
From Wellington to communities across Palm Beach County, our team helps residents and businesses think through their insurance questions. The county and Solid Waste Authority marks are local-community references—not insurance carriers or a claim of government endorsement or partnership.
05Let’s talk
Let’s review
what matters.
Bring the questions. We’ll help you make sense of the next step—whether you are reviewing an existing policy or protecting something new.
Call SmittyShield(561) 606-0778