Sometimes you need an expert to help you with an insurance issue. You have come to the right place.
Tell us your insurance issue. Provide details. It can be personal or business insurance, auto, property, workers' compensation, homeowners, directors and officers, professional liability, crime, life, disability or health insurance. It can be related to coverage, shopping, claims, or renewals.
All requests are responded to within a few business hours. The fee for the initial 30-minute conversation is $300 prepaid.
Go HERE to pay and start the process. I will contact you within a few hours to set up the call.
I'm Scott Simmonds, CPCU, ARM. My insurance consulting practice was founded in 2000 on the idea that unbiased insurance advice and information is important to insurance buyers.
I am someone you can call when you have insurance and risk management problems and questions – without the concern that I’m selling something. Think of me as the insurance expert who does not sell insurance.
My insurance clients insist on my independent counsel. I regularly turn down offers of fee-sharing and commissions. When an insurance agent sends me a gift (which happens surprisingly often), I always send it back. (I was once sent a dozen lobsters by an insurance agent. Those went to a local fire department for them to have a feast. Couldn't let the lobsters go to waste.) I don’t even let insurance agents buy me lunch. (I do drink their coffee when I visit their offices – it usually isn’t very good coffee though.)
I guess I was born to be in the insurance business. My dad was an insurance agent in New Hampshire when I was a baby. He then joined an insurance company, and we bounced about the East Coast while I was in school – Massachusetts, Ohio, Georgia, back to Massachusetts. The summer between my freshman and sophomore year in college, I decided it was time to get a job in business. My dad suggested I try an insurance agency. I got a job as an auto claims clerk, and the rest is history. I worked at five different insurance agencies before starting my unbiased insurance consulting practice.
In 2000, I decided that there was a need for an insurance expert who did not sell insurance. I left my job at a small insurance agency, and was allowed by my wife to take over the corner of a basement bedroom. As the business grew so did my office – from a corner, to half the bedroom, to taking over the family room. We then built a new house with a large office and a separate “office” entrance – a door that not once was entered by a client.
I have been called the largest single insurance buyer in the country. Several years ago I totaled it up – I help my clients with about $50,000,000 in premiums each year.
My formal education includes a degree from Babson College in Wellesley, Massachusetts, the Certified Insurance Counselor designation from the Society of CIC, and the Chartered Property and Casualty Underwriter designation conferred by the American Institute for CPCU. I earned the Insurance Institute of America’s Associate in Risk Management designation in 2005. In 2007 I was awarded the Certified Management Consultant designation by the Institute of Management Consultants, USA. My insurance work has involved companies in a wide range of industries. I have handled insurance and risk management issues for public and private corporations, including many with international operations. My work includes nonprofits, manufacturers, banks, hotels, property managers, municipalities, and schools.
In 2002, I was accepted as a member of the Society for Advancement of Consulting, an organization made up of only the top 1% of consultants nationwide. In 2004, I was granted “board approved” status, putting me in the top 10% of the top 1% of consultants.
My writing and comments have appeared in the Wall Street Journal, Forbes, Fortune, Money, Inc. Magazine, Smart Money Magazine, the New York Times, Boston Globe, Investors Business Daily, Kiplinger’s, the Los Angeles Times, and countless trade publications.
I make my home in Mississippi – while keeping strong ties to Maine. I enjoy CrossFit and the shooting sports. I also like reading, playing with our dogs, and bird watching. My wife and I have five kids and five grandchildren. I’m a past president of the trade association, Maine Association Of Professional Consultants, and of the Biddeford/Saco Rotary Club.
I can assist with any insurance issue, business, personal, auto, home, life insurance, health insurance, disability insurance, long term care insurance. You name it. I will give you my best advice and counsel. You get the benefit of my expertise and unique perspective on the insurance business.
The fee is for the phone conversation on the topic of interest to you. The basic consultation is up to 30 minutes long. You have my brain for those 1,800 seconds. We can talk about any insurance issue you like. My expertise is commercial and personal insurance (also known as property and casualty insurance). I have broad knowledge of life, disability, health and long-term care insurance. You pay the fee, we set a time for the call, you call me, we talk.
My fee for the 30-minute call is $300 prepaid. If we find that the issues require deeper conversations we can figure that out after the initial call.
Just reach out and request another call. I often offer longer term engagements too.
Usually the same day. In some cases it might be the next day. We work hard to get to each of our clients within 24-hours of the payment of the fee.
Yes, for an additional fee.
First, nobody has ever requested a refund in the twenty years I have been providing insurance consulting services. I have worked with hundreds of businesses and individuals with no issues. You will get the best of my thinking on the issues you raise. You might not like what we have to say. I will always shoot straight and do my best to help you. Once you pay us the fee it will not be returned to you for any reason, save if we are unable to schedule a call due to issues on our side.
"Our bank has relied on Scott’s insurance assistance since 2012. He has helped to negotiate our renewals which has saved us money and optimized our coverage. He has been an excellent resource for all aspects of our insurance program and is always there when we need him. I highly recommend him."
Diane Berry, Vice President, Union Savings Bank
"Your work for us is as important as any insurance policy we buy."
Bill Swales, Bangor Savings Bank, Bangor, ME
“Scott’s professional expertise has been a valuable addition to our organization. His knowledge and ability to explain the coverage in a “common sense” approach has enhanced our understanding of the insurance we currently have and identified additional areas of coverage available. Scott has always been very responsive, objective, and unbiased in his answer of various questions. We look forward to a long term working relationship.”
Gary Medley, CFO, BPC Corporation, Cookeville, TN
All requests are responded to within a few business hours. The fee for the initial 30-minute conversation is $300 prepaid.
Go to HERE to initiate a call. Pay the fee and I will contact you within a few hours to set up the call.