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.

Meet Our Team

Matthew T. Smith, President

Matt has more than 17 years of commercial construction insurance and surety bond industry experience and has built a reputation and track record of providing contractors strategic risk management and surety solutions. Over this time, Matt has assisted multiple construction companies, served on association and industry boards, and managed multimillion dollar surety and insurance programs.

A past President of the Southwest Florida Air Conditioning Contractors Association and Illinois State University graduate, Matt began his career working for a powerful Midwest firm, JL Hubbard. During his tenure, Matt gained valuable experience in the construction insurance and surety bond industry. A graduate of the prestigious National Association of Surety Bond Producers William J. Angell Surety School and relocating to Florida in 2004, he continued his career with a general lines agency, prior to forming Smith Insurance & Bonds in 2009.  Since, then Smith Insurance & Bonds has grown into a state leader in construction focused surety and insurance products.  

Maria Irion, Jacksonville Office

After cofounding a premier contractors licensing examination preparation school and contractors consulting companies in the Southeast, Maria understands contractors and the challenges that they face with licensing, as well as setting up and running a construction business on a daily basis, including the need for insurance and bonds.  Maria has a strong knowledge of commercial insurance and surety bonds and is skilled  in assisting contractors throughtout NE Florida. 

Jessica Gehm, Client Services

With more than ten years of surety bond experience, Jessica takes great pride in delivering excellent client service. Whether it is preparing payment and performance bonds, reviewing workers’ compensation experience, or issuing certificates of insurance, Jessica takes great pride in her ability to deliver what clients need, when they need it.  An expert in the review and examanition of contracts, Jessica works with our commercial insurance and surety bond carrier base to ensure each and every clients needs are met in a timely, professional manner. 

Lori Sanders, Controller
Responsible for all aspects pertaining to financials, budgeting, compliance/regulatory issues, as well as involvement with operations and HR, Lori’s focus is responsible growth for the firm. Lori’s background includes corporate, public, start up accounting and she brings senior level expertise financial managment to the team. 

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.




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2039 West First Street, Suite 7
Fort Myers, Florida 33901