About Us

Kevin Smith became an insurance agent in 1986 under the name Kevin Smith Insurance Agency and was incorporated in 1992 under the name Kevin W. Smith & Associates Inc. Kevin grew up in North Richland Hills and studied at Texas Christian University and The University of North Texas. After graduating from college in 1986 with a business degree in finance he entered into the insurance field. The first insurance policy he wrote was a Garage Liability policy for a Ft. Worth dealer and the rest is history. Garage Liability and all the coverages associated with the used car dealer has been his niche. Mr. Smith and his staff have the experience, knowledge and the ability to service all your insurance needs. With over 50 years combined insurance experience you can rely on us.



  • General Liability
  • Workers Comp
  • Employee Benefits, Aflac
  • Accident Policies
  • Business Life, Key Man Insurance

Personal Lines:

  • Auto
  • Home
  • Life
  • Health
  • Boat, RV, Motorcycle, ATV
  • Renters
  • Non-Owners Policies


  • Motor Vehicle Dealer Bond
  • Title Bonds
  • Notary Bonds
  • License & Permit Bonds


Garage Liability:

Includes auto liability & premises liability. Premium is determined by the county, the liability limits, radius of operation, number of employees and the number of furnished drivers. Employees are covered during business hours or in the scope of duty (example of scope of duty would be delivering a car from the auction after business is closed). Furnished drivers are covered 24 hours a day. It is important to note that there is no coverage for an employee, family member or anyone else under any circumstances if outside of business hours unless charged for a furnished vehicle. Overnight test drives are not allowed for customers. The main thing to remember is that if you are furnishing a vehicle to an employee or family member they need to be listed and charged for to have coverage.

Coverage for auto liability is provided to customers who want to test drive the vehicle. Coverage would also extend to employees who are test driving with the customer, going to the bank, picking up parts, etc. and contract drivers delivering cars.

Coverage for premises liability insures you against a customer getting hurt on your premises. An example would be if a customer came to your lot and slipped and fell causing injury to themselves. It is important to note that employees are not covered under this section of liability. If an employee gets hurt on your premises you would need a separate workers comp policy to protect you. Coverage can be extended to owner of the premises, landlord, or additional insureds.

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Dealer's Open Lot:

This is a term used for insuring the physical damaged caused to YOUR vehicle. Rates are determined by wholesale cost of your inventory, number of vehicles, whether kept inside or outside, maximum cost of any one vehicle, deductible requested, number of furnished drivers, location of the premises and radius of operation. The important thing to remember about this coverage is there's a clause that states a dealer must be insured 100% to value. It is referred to as the co-insurance clause. I.e.: Insured has inventory of $200,000 of cars and he elects or takes insurance on just $100,000. In the event of a claim the insured would be underinsured by 50% and the insurance company would only be responsible for paying you 50% of your claim minus your deductible. Therefore, it is very important to insure your inventory at current values.

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