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Your Total Cost of Risk, In-Form

With all of the expenses, unforeseen consequences, missed & mishandled opportunities in a construction operation, businesses today are underserved by traditional insurance providers.

Who is INFORMING you about your Total Cost of Risk?

Risk Services For Contractors & Home Improvement Industries

No matter what trade you specialize in, In-Form Risk can assist you in planning for your business should the worst happen.


Robust coverage for carpenters and other artisan contractors


Insurance coverage and more for residential and commercial electricians

Alarms & Security

You add protection for their property, we add protection for your business.

Carpet & Flooring

Top notch business insurance for carpet and flooring contractors

Paint & Drywall

Business insurance for residential and commercial painters & drywallers

Plumbers & HVAC

We place business coverage for plumbers and HVAC contractors


Big tools, big jobs, simple solutions for excavation contractors


With so many types of jobs, landscapers need an insurance company that gets it.

General Remodeling

Business insurance for home remodeling and house-flippers

How We Help Contractors Protect Their Jobs

General Liability

Work Comp

Commercial Auto

Equipment & Tools

Commercial Property

Commercial Umbrella

You May Need More Than An Agent

Sometimes all you need is to get a policy in place so you can get to work. Often you need more. Beyond the insurance, In-Form Risk helps inform you on the risks you need to address.
Here are some solutions we can help with:

Loss Control Review

Safety Manuals

Nurse Hotline

OSHA Compliance

Claims Handling

Payroll Audit Support

EX-MOD Audit

Recover At Work

In-Form Risk is a division of Smith & Sons Insurance Agency

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