HBMD Program | The Smith Sawyer Smith Agency HBMD Program

Hardware & Building Material Dealer (HBMD) Exclusive Program

The Smith Sawyer Smith Agency’s (SSS) Hardware & Building Material Dealer Division has developed a strategic partnership with Central Insurance Companies (CIC) to create and build an exclusive program designed specifically for Hardware Store’s and Building Material Dealers. No other Insurance Agency in the Nation has access to this exclusive program.

Central Insurance Companies (CIC)

The Central Insurance Companies are a successful property and casualty group operating on a strong foundation of core values including Integrity in the way we operate our business; Relationships we develop working as a team and sharing in each other's successes; and Excellence achieved by never compromising on quality, providing superior performance, and pursuing continual improvements. Our commitment to excellence is reflected in our combined assets totaling over $1 billion and our A.M. Best rating of "A" Excellent.


Who Our HBMD Exclusive Program Will Benefit

If you own a Hardware and/or Building Material store, our exclusive HBMD Program could be the perfect fit for you and your company. It is a well designed thought out insurance policy, written through a reputable “A” rated insurance company, that is designed specifically for your type of business. The HBMD Program will even consider insuring operations that include a nursery department, selling propane beyond the exchange tanks, rental of party equipment that includes bounce house’s or if you have construction rental equipment that includes aerial lifts and scaffolding.

Let’s Get Started

If you have any questions, please click the “Connect With A Program Advisor” box below and one of your Program Advisors will contact you and be anxious to help. If you would like to expedite the process to find out if your company qualifies for this exclusive program, please click on the “Qualification Form” box below. Once we receive the form, our team of professionals will immediately evaluate your business operations and exposures to determine if you qualify for this exclusive program.

Connect With a Program Advisor

Contact Us



Thank you for your interest in our HBMD Program and we look forward to hopefully working for you.

The Smith Sawyer Smith Agency

The Smith Sawyer Smith Agency, LLC


729 Main Street
Rochester, IN 46975