The cornerstone of our business is the experienced advice and innovative solutions we provide to our clients.  This enables 
them to make informed and sound decisions that can mitigate their risk, lower their costs and maximize their protection.

  • Licensed life and health agency and consulting firm
  • Licensed commercial property casualty agency and consulting firm
  • Principles and asscociates are licensed agents and consultants with 
             over 100 years of combined insurance experience
  • ​Generate millions of dollars in savings for clients each year, and handle 
             millions in premiums
  • ​Average client tenure is 25+ years

  • Hospital Groups and Nursing Homes
  • Manufacturers
  • Contractors
  • Insurance Companies
  • Religious Organizations
  • Financial Institutions
  • Municipalities
  • Non-Profit Organizations

Jan D. DeSmet, President and Founder
Established in 2002, DeSmet & Associates is an independently owned and operated business insurance agency and consulting firm that provides employee benefits, individual and commercial property casualty insurance, risk management and consulting services.
About DeSmet & Associates
The results we've generated include optimizing costs, increasing employee retention through highly competitive benefits packages, providing adequate insurance protection for commercial properties, effectively managing risk, saving hundreds of millions, and more.  

We work with wide range of some of the nation's largest and most competitive insurance carriers to obtain the best coverage, and at the best price and value for our clients.  Price is also impacted by the fact that we are independently owned.  We don't have to divert a portion of our revenue to a home office which enables us to be very competitive.   

Provide innovative solutions 
that enable companies to 
reduce their insurance costs, 
achieve balance between 
risk and coverage, and
provide superior insurance 
protection for their most valued 
assets -- their employees 
and commercial property.
Who We Serve

We help small, medium to large employer groups (2  - 10,000+ employees) and organizations achieve balance between risk and providing cost-effective insurance protection for their work forces and commercial properties.   

We start by accessing each client's risk as well as their insurance protection needs in order to develop the right strategies and tactics.  We place a great deal of emphasis on "thinking outside of the box" combined with our extensive experience to create innovative and customized solutions that will achieve, and often exceed our clients' expectations.    

How We Work
We are deeply committed to delivering the highest levels of service. For this reason, our clients always interface with a licensed agents and consultants - 
not a customer service representative.   
Our Credentials
Specialized Industry Experience
If you'd like more 
information about  
DeSmet & Associates,
please contact us.