The agency was founded in 1987 by Stephen Smithwick (retired) and his business partner, the late Howard Clarke. Originally founded to service the marine industry (marinas, yacht clubs, boat builders, fishing vessels, tug operations and yachts) the agency has evolved and grown to widen its capabilities to handle the insurance needs of business owners of most every industry and the personal insurance needs of communities throughout Maine and beyond. Staffed by a crew of more than 20 insurance and support professionals, the agency serves thousands of individuals and business in Maine and throughout the United States.

Satellite offices are located in Kennebunk, Maine, New Bedford, Massachusetts and South Hampton, New Hampshire. The agency’s Principals also have ownership in the Chapman & Chapman agency of Damariscotta, Maine, and Midcoast Insurance Agency in Bath, Maine.

Local Knowledge ~ Experience Worldwide

We employ experienced property & casualty professionals. Members of our staff have educational and career backgrounds in underwriting, workers’ compensation, risk management and claims adjusting. Our agents’ experience is an additional service for you when placing coverage, at renewal time and when presenting a claim.

Our commercial unit has over 35 years of combined technical experience working with commercial underwriting companies. The marine team have educational and career backgrounds in merchant marine,  marine insurance claims and underwriting, surveying and claims adjusting, shipyard, marinas and boatyard service, ocean racing and cruising.