Callistus Smith Agency

Callistus Smith Agency Serving our area's insurance needs for over 75 years!

Labor Day is a great reminder to step back and recharge—we’re taking that advice seriously this weekend.Our office will ...
09/07/2026

Labor Day is a great reminder to step back and recharge—we’re taking that advice seriously this weekend.

Our office will be closed for the holiday so our team can enjoy some well-earned downtime with family and friends. We’ll be back soon, refreshed and ready to help with your homeowners, auto, and business insurance needs.

In the meantime, we hope your weekend is filled with good food, great company, and a chance to truly unplug.

If you have plans on the road or on the water, stay safe and enjoy every minute.

Back-to-school season is here, and it’s a great time to refresh those everyday safety habits 🚸No matter how your kids ge...
09/01/2026

Back-to-school season is here, and it’s a great time to refresh those everyday safety habits 🚸

No matter how your kids get to school, a few simple reminders can go a long way in keeping them safe:

• Walking: Stick to sidewalks, use crosswalks, and make eye contact with drivers before stepping into the street. Walking with friends is always a safer choice.

• Biking: Helmets are a must. Ride with traffic, stop at intersections, and choose routes with less congestion when possible.

• Bus riders: Stand well back from the curb, wait for a full stop before boarding, and never walk near the bus without the driver seeing you.

• Drop-off: Follow school procedures, slow down in school zones, and never pass a stopped bus.

• Teen drivers: Keep phones away, follow speed limits, and make seatbelts non-negotiable for everyone in the car.

As your family gets back into routine, it’s also a good time to review your auto insurance coverage and make sure everything still fits your needs.

Have questions or need a quick policy review? Our team at Callistus Smith Agency is always here to help.

Fall Prevention Awareness Month is a great reminder to take a closer look at everyday risks—both at home and in the work...
09/01/2026

Fall Prevention Awareness Month is a great reminder to take a closer look at everyday risks—both at home and in the workplace.

Slips, trips, and falls are some of the most common (and costly) claims we see, but many are preventable with a few simple steps:
• Keep walkways clear and well-lit
• Address spills and uneven surfaces quickly
• Review safety procedures with employees

For business owners, this is also a good time to revisit your insurance coverage and make sure you’re protected if an accident does happen.

Have you reviewed your safety plan recently? If not, we’re here to help you think through potential risks and coverage options.

A quick heads up for business owners: your insurance coverage doesn’t always start the moment you say “yes” to a policy....
08/25/2026

A quick heads up for business owners: your insurance coverage doesn’t always start the moment you say “yes” to a policy.

The effective date matters more than you might think—and if it doesn’t line up with your operations, you could have gaps in coverage when you least expect it.

Whether you’re opening a new location, adding equipment, or bringing on employees, timing your business insurance correctly is a key part of protecting what you’ve built.

Not sure when your coverage actually begins? That’s what we’re here for.

Reach out to our team and we’ll help you review your policy and make sure everything is aligned.

Telematics auto insurance can be a great way to save—but it’s not a one-size-fits-all solution.These programs track driv...
08/25/2026

Telematics auto insurance can be a great way to save—but it’s not a one-size-fits-all solution.

These programs track driving habits like speed, braking, and mileage to reward safe drivers with lower premiums. Sounds simple, right? The reality is there are a few important trade-offs to consider before opting in.

Things like how often you drive, when you’re on the road, and your comfort level with data tracking can all impact whether it truly benefits you.

If you’re curious about how telematics could affect your auto insurance—or whether it’s the right fit for your lifestyle—we’re here to help. Reach out to our team anytime to talk through your options.

Commercial insurance policies can feel overwhelming—even if you’ve had coverage for years. The terminology alone can mak...
08/20/2026

Commercial insurance policies can feel overwhelming—even if you’ve had coverage for years. The terminology alone can make it hard to know exactly what you’re protected against.

That’s why our team believes understanding your policy is just as important as having one. When you know what key terms mean, you can make more confident decisions about your business coverage and avoid surprises down the road.

We’re breaking down a few common commercial insurance terms to help make things clearer—check out the slides to learn more.

Have questions about your policy or something that doesn’t quite make sense? We’re always here to walk you through it and make sure your coverage fits your business.

What’s one insurance term you’ve always wondered about?

Cyber threats aren’t just an IT issue anymore—they’re a business risk.From ransomware and phishing attacks to vendor out...
08/18/2026

Cyber threats aren’t just an IT issue anymore—they’re a business risk.

From ransomware and phishing attacks to vendor outages, cyber incidents can disrupt your operations, impact revenue, and even damage your reputation. And with reported losses reaching billions each year, the financial impact can be significant.

That’s where cyber insurance comes in. It can help your business respond, recover, and move forward after an incident.

If you’re unsure how your current business insurance would respond to a cyber event, it may be time for a quick review. Our team at Callistus Smith Agency is here to help you understand your options and make sure your coverage aligns with your risks.

Have you reviewed your cyber coverage recently?

If you have ever wondered what your payout would actually look like after a covered loss, it often comes down to one key...
08/18/2026

If you have ever wondered what your payout would actually look like after a covered loss, it often comes down to one key detail: replacement cost vs. actual cash value.

These two coverage types can lead to very different outcomes when you file a claim.

Replacement cost helps cover what it takes to repair or replace your property at today’s prices, while actual cash value factors in depreciation—meaning you could receive less than expected.

It is a small detail in your policy that can make a big financial difference.

Not sure which one you have or what makes the most sense for your situation? Our team is always here to walk you through your coverage and help you feel confident in your protection.

If your business gives advice, offers services, or works closely with clients, professional liability insurance (also kn...
08/11/2026

If your business gives advice, offers services, or works closely with clients, professional liability insurance (also known as errors & omissions) is something you shouldn’t overlook.

It helps protect your business if a client claims a mistake, missed detail, or oversight caused them financial loss—even if it’s not true.

From consultants and contractors to small business owners, this coverage plays a key role in managing risk and protecting your reputation.

Not sure if your current policy covers you the way it should? We’re here to help you review your coverage and fill in any gaps.

Have questions about your business insurance? Let’s talk.

Running a business means juggling a lot—and protecting what you’ve built should never be an afterthought.That’s where a ...
08/04/2026

Running a business means juggling a lot—and protecting what you’ve built should never be an afterthought.

That’s where a commercial umbrella policy comes in. It adds an extra layer of liability coverage on top of your existing business insurance, helping safeguard you from larger, unexpected claims.

Think your current coverage is enough? It might be—but it’s always worth a second look as your business grows.

We’re here to help you understand your options and make sure you’re covered where it counts. Give our team a call if you’d like to talk it through.

What’s one area of your business you’ve been meaning to review lately? 👇

Address

3415 Paoli Pike
Floyds K***s, IN
47119

Opening Hours

Monday 8:30am - 4:30pm
Tuesday 8:30am - 4:30pm
Wednesday 9:30am - 4:30pm
Thursday 8:30am - 4:30pm
Friday 8:30am - 4:30pm

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