About HBS
HBS Insurance was founded by Ron Smith, a U.S. Air Force veteran whose commitment to discipline, service, and doing the right thing shaped the agency’s foundation. After completing his military service, Ron brought that same sense of duty home to Jeffersonville, where he built HBS Insurance on the principles of honesty, accountability, and community care. For more than three decades, HBS Insurance has been part of the Jeffersonville community, offering independent advice and personal service to families and businesses across Southern Indiana and Louisville.
Who we are
Get to Know HBS Insurance
our promise
Clients choose us because we do more than write policies—we build relationships that last.
the people you can count on
Meet Our HBS Staff
SUPPORTING business owners, FAMILIES & MORE
Serving the Greater Kentuckiana Community
Small and mid-sized businesses are the backbone of our region, and we’re proud to help them stay protected and running strong. Our commercial insurance clients include contractors, trucking companies, and restaurant owners across Jeffersonville, New Albany, Clarksville, and Louisville.
Personal insurance for everyday life
Contractors and skilled trades
From auto and home insurance to life insurance, we provide reliable coverage that gives families peace of mind.
We’ve worked with Southern Indiana contractors for decades, providing workers compensation, general liability, and tools and equipment coverage tailored to jobsite realities.
Trucking operations and logistics companies
We help clients manage everything from cargo and physical damage to liability and workers compensation coverage.
Protecting local dining and service businesses
We provide restaurant insurance solutions for business owners who want straightforward protection that fits their space, staff, and budget.
giving back to our neighbors
Community Involvement & local support
At HBS Insurance, we believe our responsibility extends beyond writing policies. We actively support community programs and events across Southern Indiana, from Jeffersonville Main Street initiatives to local fundraisers and charitable drives. You’ll often see our team volunteering, sponsoring events, and working with local nonprofits to make a difference.

We view community involvement as an extension of our work—protecting not just what people own, but the connections that hold our neighborhoods together.
We are proud to sponsor organizations throuoghout Jeffersonville & beyond!
Jeffersonville Lady Red Devils Basketball Team
HBS Insurance is a Champion Sponsor for the 2025-2026 season for the Jeffersonville Girls Basketball Team. Featured in the photo is founder Ron Smith, Kaitlyn Beck and Ken Beck.
Clark County Museum Boos & Bites 2025
HBS Insurance sponsored the Clark County Museum Indiana's Ghost & Food Tour "Boos & Bites" held in Jeffersonville Indiana on October 24th , 2025.
