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Founded In: 2009
Size: 5-9 Employees
Annual Vol: Undisclosed

Our Story

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Smith Insurance & Bonds was founded in 2009 by Matthew Smith in Fort Myers, Florida. From the beginning, the firm has focused on serving emerging and established contractors with business operations concentrated throughout the State of Florida. Our reputation is providing our clients with reliable and practical solutions to their surety needs and providing an advantageous combination of cost, coverage and service valued insurance programs.

From startup’s to multimillion dollar construction companies, Smith Insurance & Bonds has the experience and relationships to assist in getting to the next level.

Smith Insurance & Bonds has offices in Fort Myers and Jacksonville, Florida and is a member of the Florida Surety Association, National Association of Women in Construction, SWFL Utility Contractors Association, Florida Association of Independent Insurance Agents and others.

Welcome To Smith Insurance & Bonds

Give Yourself the Advantage of Becoming Invincible.

In today’s construction industry, becoming and remaining profitable means winning new jobs and protecting your company’s assets from unexpected events and potential losses. Give yourself, your employees, your subcontractors and vendors greater confidence with the proper bonds and insurance. With offices in Fort Myers and Jacksonville, Smith Insurance & Bonds has been supporting the construction industry for nearly a decade. We are Commercial insurance specialists, with an extensive knowledge of General Liability, Commercial Auto, Equipment, Contractors, Builders Risk and Workers Compensation insurance. We understand the bidding process, contracts and the effect they have on your bottom line. 

Our Mission

Smith Insurance & Bonds strives to provide a mutually rewarding surety and insurance experience to our clients, in a professional, optimistic and ethical manner.

Why We Are Different

We work fast, understand the construction industry, have an array of resources and know what is required for you to benefit. We speak our client’s language. Smith Insurance & Bonds has been working with contractors for almost 20 years. We, like you, understand how to read a construction/commercial/state contracts and know the importance of the agreement, and the impact it has on your bottom line.

Resources are key to any viable business. Good financial presentation is a must for a contractor, and is the first step in obtaining surety credit. In addition to our deep array of surety company relationships, Smith Insurance & Bonds has a group of construction-oriented CPAs ready to start the process of properly organizing your financial information. In addition to surety resources, Smith Insurance & Bonds has a wide variety of insurance carriers to meet your needs.

Coverage for Specific Industries in Fort Myers FL & Jacksonville FL

Specialized Protection for your Industry

Smith Insurance & Bonds provides industry-specific insurance to businesses in Fort Myers, Jacksonville, Naples, Bonita Springs, Port Charlotte / Punta Gorda, Cape Coral, and surrounding areas.

Every industry has specific needs when it comes to insurance. Industry-specific risks make it impossible for insurance companies to lump together one insurance plan for every business. At Smith Insurance & Bonds, we understand that being unique is what makes your business successful across the board. That’s why we provide industry-specific insurance options for businesses of all types.

Check out the multitude of industries we cover at Smith Insurance & Bonds:

Accounting firms

Alarm contractors



Contractors / specialty trade

Craft breweries

Educational facilities

Financial institutions

Healthcare facilities

Healthcare practices

Law firms

Life science

Limousine services


Maintenance contractors



Maritime employers

Media & advertising

Orthotics & prosthetics

Pools & spas

Printers & publishers

Railroad contractors & manufacturers

Real estate


School bus contractors

Scrap metal

Security guards

Self-storage facilities

Septic contractors

Technology services

Tow trucks & auto transporters

Water well driller

Coverage for Your Business in Fort Myers FL & Jacksonville FL

Protect your Investment

Smith Insurance & Bonds provides insurance to businesses in Fort Myers, Jacksonville, Naples, Bonita Springs, Port Charlotte / Punta Gorda, Cape Coral, and surrounding areas.

No matter what business you’re in, each workday is dedicated to doing your job well and providing your customers with the best service possible. Smith Insurance & Bonds would like to return the favor by giving you the coverage you need to ensure the security of your business. 

At Smith Insurance & Bonds, we’re committed to keeping your business protected – so you can focus on your day-to-day operations. And with the right insurance plan, your business will be covered from top to bottom. 

We offer the following options for your business assets: 

Commercial property insurance

Commercial general liability

Business owners policy (BOP)

Inland marine insurance

Commercial auto insurance

Commercial umbrella insurance

Professional liability

Workers compensation

Crime insurance

And much more…

Our Providers

Welcome to Smith Insurance & Bonds!

My name is Matt, and I am excited to assist you. May I please have your name to get started?  Follow the link below and I will be happy to get in touch with you.  Thank you.

Request a Quote

What We Do

Products/Services Relating to Bonds, Fidelity & Surety
Products/Services Relating to Insurance

Project Experience

Hotel / Motel
Office Building
Retail Store
Single Family Residential
Design Build
Data Centers - Mission Critical
Misc Project
Medical Office
Residential Building

Service Areas

Associations & Memberships

Member of IIA (Independent Insurance Agent) IIA (Independent Insurance Agent)
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