Who We Are
Smith Insurance & Bonds was founded in 2009 by Matthew Smith in Fort Myers, Florida. From the beginning the firm has focused on 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 of insurance programs.

Smith Insurance & Bonds has two offices in Fort Myers and Jacksonville Florida and is a member of the Florida Surety Association as well as the Florida Association of Independent Insurance Agents.

Matt Smith, Founder
A graduate of Illinois State University, Matt began his career working for a powerful Midwest firm, JL Hubbard Insurance & Bonds. During his tenure, Matt gained valuable experience in the construction insurance and surety bond industry. A graduate of the prestigious National Assoc of Surety Bond Producers William J. Angell Surety School, Matt and his wife moved to Florida where he continued his career with a general lines agency, prior to forming Smith Insurance & Bonds in 2009.

Maria Irion, – Jacksonville Office
After co-founding the premier contractors licensing, examination preparation school and contractors consulting companies in the southeast, Maria understands contractors and the challenges they face with licensing, setting up and running a construction business on a daily, including the need for insurance and bonds.

Jessica Gehm, Client Services
With more than ten years of surety bond experience, Jessica takes great pride in in delivering excellent client service. Whether its preparing payment and performance bonds, reviewing workers compensation experience mods, or issuing certificates of insurance, Jessica takes great pride in her ability to deliver what clients need when they need it.

Penny O’Rourke, CFO
An accountant with 26 years of experience in the insurance industry, Penny manages the day to day financial operations of the company.

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 twenty years. We, like you, understand how to read a construction/commercial/state contracts and know the importance of the agreement and impact it has on your bottom line.
Resources are key to any viable business. Good financial presentation is a must for a contractor 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 CPA’s ready to refer 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.